Ongoing Labor Shortage Dominated News in 1997

Sprig Toys a success Leaving incubator after acquisition Page 3A

NEWS $1 Studies take pulse March 26-April 8, 2010 of local real estate Vol. 15, No. 13 EREC ﬁnd Group www.ncbr.com cautiously bullish on residential market Page 2A

Regulators look into title kickbacks State board Investigators ready Ongoing labor shortage to take enforcement actions against ﬁrms Page 3A dominated news in 1997 backs off

Many companies floodplain

turned down ART OF ILLUSTRATION — A hallmark of the early new projects for days of NCBR was the changes THE EDGE artwork of the paper’s Marketing gets small lack of workers first designer, David on mobile Web front Badders. His illustrations, Proposed rules It’s time to design such as this one for the By Steve Porter e-commerce websites original “Labor Squeeze” created flood for new handhelds [email protected] series, and editorial cartoons won awards Page 9A Oh what a difference a few from both state and of controversy years can make. national organizations. By Steve Porter It was only 13 years ago, in 1997, when the economic land- [email protected] scape looked almost completely oppositeof that weseetoday. Proposed changes to statewide regu- Thenational, stateand local lations on building in floodplains economies were still booming in recently created such a rising tide of 1997, although at a somewhat opposition that several were rolled back slowerpacethan in theprevious by the Colorado Water Conservation SPECIAL few years. New residents were Board on March 19. continuing to flow into Northern Therevisions that drewthemost REPORT Colorado and thehousing con- concern from the local development NoCo economy hit struction industry, although community were a new definition of bottom in November cooling slightly, was still in high “critical facilities” and rules dictating how such facilities could be built or Region looks up, gear. 8% nation could face Even the now-moribund com- modified within 100-year and 500-year double-dip recession mercial construction sector was 7% floodplains. Page 18A thriving, with 1.3 million square 6% Floodplains are the areas around feet of new space proposed for rivers or streams that could become 5% the year. inundated from storms or rapid snow LISTS The number of banks was also 4% melt. A 100-year flood has 1 percent chance of occurring in any year; a 500- Region’s largest: expand- 3% See Then…and Now ing, a year flood, like the Spring Creek Flood Windsor employers By Carol Wood suresign 2% in Fort Collins in 1997, has a 0.2 percent chance of happening. Page 15A Page17A that the 1% region’s According to the CWCB document 0% being updated, “Rules and Regulations Chambers of economy was continuing its Northern Colorado Unemployment Rate 1997 for Regulatory Floodplains in ongoing good health and pros- 1995 1996 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 Commerce perity. But oneof thebiggest sto- Colorado,” critical facilities include “a CHART SOURCE: JOHN W. GREEN, REGIONAL ECONOMIST Page 20A ries of the year was an acute labor Image by David Badders structure, infrastructure, property, equipment or service that, if flooded, shortage, a situation that was UPS AND DOWNS — Regional unemployment has followed the rollercoaster ride Greeley & Evans resulting in companies having to of the national rate, but remained at least a percentage point lower than the may result in severe consequences to employers compete for talented workers. overall U.S. jobless figure. For example, while the nation was enjoying 4.7 per- public health and safety or interrupt essential services and operations for the Page 21A And not just skilled workers. cent unemployment in 1997, Northern Colorado finished the year at 3.45 percent. Latest U.S. figures place joblessness close to 10 percent in February 2010, community at any time before, during See EMPLOYMENT, 16A 8 percent locally. See FLOODPLAIN, 28A

Want to sponsor an NCBR anniversary issue? Special ad rates are still available See page 16A for the issue and story/year list. Contact your account manager 970.221.5400 TODAY. 2A | Northern Colorado Business Report www.ncbr.com | March 26-April 8, 2010 Studies take pulse of local real estate industry

assessments on an annual basis. EREC finds Group The survey of residential brokers gar- The Group Inc. Real Estate released its 2010 nered almost 250 responses from the Realistic confidence forecast for Northern Colorado residential cautiously bullish Denver metro area to Northern sales, with an overall optimistic tone. Colorado. Of the respondents, 46 per- on housing market cent expect 2010 transactions to exceed Fort Loveland/ Greeley/ those in 2009, with 36 percent anticipat- Year Collins/ Windsor Other* Total Berthoud Evans By Kristen Tatti ing them to remain the same. Wellington [email protected] Those results seem to mesh with the Group Inc. Real Estate’s 2010 forecast, 2010 3,000 1,425 1,700 500 550 7,175 This year has ushered in a new pas- which is bullish on Northern Colorado. (forecast) time for business people across nearly For all markets in the region, the firm every industry – the real estate watch. predicted a slight increase in the number 2009 2,923 1,399 1,671 495 532 7,020 Monthly reports on foreclosures, of homes sold compared to 2009. delinquencies, sales, and similar metrics Overall, the region is anticipated to see a are dissected for a glimmer of hope or 2.2 percent increase in home sales. Of 2008 3,121 1,467 1,662 478 652 7,380 continued despair. It’s only natural, since course, 2009 was the fourth consecutive the real estate industry, especially in an year of decline. area like Northern Colorado, is directly “We’re cautiously optimistic,” said 2007 3,613 1,604 1,704 660 662 8,243 tied to the waxing and waning of the Group President Eric Thompson.“So far local economy. in 2010, we’re ahead of last year by 10 *Ault, Eaton, Johnstown, Mead, Kersey, Milliken and LaSalle A couple of local entities recently percent.” released their take on the coming year, Thompson attributes much of that showing general optimism for the resi- activity to the federal homebuyer tax SOURCE: BUSINESS REPORTRESEARCH dential market, and uncertainty and fear credits, which are set to expire at the end for the unrelenting deluge of new rules of April. However, he feels that with the Regulatory risk Washington D.C. to speak out about a and regulations. region’s relatively healthy employment In all, 126 mortgage brokers and number of issues that he sees as detri- The Everitt Real Estate Center pre- market and a growing confidence in the bankers responded to the EREC survey. mental to the industry. sented the findings of two inaugural sur- economy, residential sales won’t see a big The biggest risk they identified, by a Braden’s concern is that most, if not veys gauging the trials and tribulations post-credit drop. rather large margin, was federal regula- all, of the recent regulation and rule- of the residential and mortgage sectors. Confidence stuck out as a major con- tions. making leans toward a big-business “We need to be able to identify when cern in the EREC survey. Residential Fort Collins mortgage broker Doug model, to the detriment of small busi- the mood of the market is changing and brokers ranked buyer confidence as the Braden, who heads the government nesses. For example, the U.S. why,” said Center Director Steve Laposa. biggest barrier to sales, followed by bor- affairs committee for the Colorado Department of Housing and Urban EREC launched a similar survey in the rower qualifications. The latter falls into Association of Mortgage Brokers, knows Development is considering increasing fall focusing on commercial real estate the territory of the mortgage origina- about the risk of federal regulations all the net worth of brokers and lenders and plans to continue with all three tors. too well. He made a late-February trip to from $250,000 to $2.5 million within See REAL ESTATE, 28A

There are financial parasites within every business that

would like nothing better than to feed off of your blood,

sweat and tears. We’re not your average accountants.

We know what’s sucking you dry.

Contact Jan Daugaard at 970-685-3429.

KCOE.COM March26-April 8, 2010 | www.businessreportdaily.com Northern Colorado Business Report | 3A THE Regulators look into title kickbacks

EYE probe likely also will spark “a couple more “It took me about three months to go Investigators ready offshoot investigations,” he said. through them all,” he said. “We were look- Pope gives “We think there will be more enforce- ing for checks that were cut to other title to take enforcement ment actions this year than last year,” Helm agencies or real estate companies that did- said.“Now, there’s less of a tolerance against n’t quite fit. As you go through a bank state- Facebook, actions against firms going against procedures” because of a new ment, you can see these checks are obvious- state law that more closely regulates title ly from one file, but there would be other By Garrison Wells companies. checks here and there that didn’t quite look Twitter his [email protected] Last year, the division took seven like a commission.” enforcement actions against title insurance Northern Colorado title professionals Colorado regulators are conducting an firms, according to its annual report to the said they support the tougher stance. blessing industry-wide investigation into illegal state Legislature. There were 15 in 2008 and “I think the consumer needs to be total- kickbacks in the title insurance industry, four in 2007. The most common actions are ly confident that the close, on the biggest And on the seventh day, and expect to take a “significant” number of fines, license revocations and shutdowns. transaction they do in their entire life, is God tweeted: @God: Just enforcement actions in 2010. In his investigation, Helm said he fired handled by a professional firm that has created everything. Gonna The Division of Insurance plans to wrap out 400 letters to title firms and received good financial backing and is not trying to grab a sandwich and wait up the investigation into payment of refer- about 370 responses. He asked for every do anything underhanded with other par- for some followers. ral fees and inducements by midyear, said bank statement, checks and activities for ties that could put their transaction at risk,” Pope Benedict XVI Andy Helm, title insurance analyst and every bank account for 2008. Helm said he said Jill Mann, regional vice president for recently announced his investigator leading the investigation. The looked at 500,000 checks. See INSURANCE, 24A approval of social media as a way to keep people con- nected. If you missed it, you FOCUS might be able to catch a clip of it on His Socialness’ YouTube channel at www.youtube.com/vatican. Sprig no longer toying with success The approval extends to the clergy as well. Some bishops and priests already have Facebook or MySpace accounts, and even Evangelical-style sermons are possible through video and discussion boards on some social sites. Whether more traditional (read: older) members of the cloth will utilize the technology remains a mystery. Though the Church has not said so, its endorsement of social media could be a way to reconnect with the lapsed and attract new followers amid declining church attendance numbers. Younger attendees typically get restless in church, but they might be more engaged if they’re keeping up via Twitter. Spreading thewordofGodwillbeas simple as a “re-tweet.” The Eye for one thinks social media’s evolution into use by religious organizations is completely natural – really. I Messages will continue to come down from above. I Shorter lag time between confessions if you can tweet your sins. I Harp-strum ringtones Krista Watzel, Northern Colorado Business Report for all non-secular messages. I Flocks — of birds — FUN TOYS — Sprig Toys, co-founded by Chris Clemmer, left, Justin Discoe and David Bowen, will soon graduate from the Rocky Mountain Innovation Incubator program already tweet. after toy giant Wham-O Inc. acquired Sprig in February. The Sprig brand will continue with the three co-founders heading a new division called Wham-O Jr. in Fort Collins. I Digital rosary. Yes, “there is an app for that” ($2.99). Incidentally, the meno- As part of Wham-O, tunity to participate in the reinvigoration International Toy Fair in New York City, rah app is $5, but the of one of America’s most iconic brands. where it anchored the eco-section. Sprig Buddha app is free. startup can help icon Sprig announced in early February that then found out that its Captain Owen’s @God: Dang, OU just it would be acquired by Emeryville, Calif.- Dolphin Explorer Boat had won the fair’s sent my brackets to Hell. based Wham-O Inc. The timed-stock pur- Specialty Toy of the Year award. revitalize its brands chase deal will result in the formation of Part of the transition and integration INSIDE Wham-O Jr., a division headed by Sprig’s with Wham-O will include Sprig’s gradua- By Kristen Tatti founders, Chris Clemmer, Justin Discoe tion from the Rocky Mountain Innovation Briefcase...... 12A [email protected] and David Bowen. The Sprig brand of eco- Initiative incubator program. It is the first Calendar ...... 10A friendly, kid-powered toys will continue company to enter and successfully com- Classiﬁeds ...... 30A FORT COLLINS — For the founders of and the Sprig team will assist in develop- plete the program under the RMI2 flag. Commentary ...... 26A Sprig Toys, the company’s recent acquisi- ment of Wham-O-branded toys. “They’re a little atypical,” said RMI2 Health...... 8A tion by industry giant Wham-O means OnTheJob...... 13A It’s been a flurry of activity for Sprig. Executive Director Mark Forsyth, explain- not only the chance to continue innovat- Technology...... 7A The acquisition announcement was made ing that success of this magnitude doesn’t ing their product line, but also the oppor- just a week before Sprig was off to the See SPRIG, 30A 4A | Northern Colorado Business Report www.ncbr.com | March 26-April 8, 2010 Green Summit takes green to bottom line

By NCBR Staff

FORT COLLINS — The Northern Colorado Green Summit, presented for the fourth year by the Northern Colorado Business Report, is giving business the means to go green this year. Green Summit speakers, panelists, and more than 30 exhibitors will demonstrate how to make business changes that will reduce environmental impact and potentially add to the bottom line. The full-day conference will be held waste recycling for attendees and April 8 at the Drake Centre, 802 W. exhibitors. Put your home’s Drake Road, Fort Collins. Presentation of the Poudre Valley Panel topics include: REA Beyond the Limits Award at lunch. I Green for Green: financing, fund- 2010 Climate Wise EnvirOvation equity to work. ing, tax credits, rebates and grants to awards reception hosted by the city of green light your green project. Fort Collins. The event is free with pre- I Developing Green Streams: Re- registration; register at tooling services, products and people to www.fcgov.com/climatewise/. create new revenue streams. Registration for the Green Summit, I Green Marketing: Establishing an which includes breakfast and lunch, is ethical green brand campaign mixed $49, and is available online at with media and methods for sustainable www.NCBR.com, under Events on the marketing. homepage. Deadline to reserve your seat I Debunking green myths. is April 6. The breakfast keynote speech will be Title sponsor is the City of Fort on “Mindful Use of Energy: Strategies Collins. Additional support comes from for Behavior Change to Reduce Energy the Better Business Bureau, presenting Consumption” presented by Jeni Cross, sponsor; Toolbox Creative, marketing assistant professor in the Department of sponsor; Poudre Valley REA, Beyond the Sociology at Colorado State University. Limits Award Sponsor; Kennedy and At lunch Brian Dunbar and Josie Coe LLC, lunch sponsor; the Governor’s Plaut will present “Beyond Green: The Energy Office – Project C, supporting Future of Sustainability and sponsor; Super Shuttle/Yellow Cab, Regeneration.” Dunbar is the director of transportation sponsor; Professional the Institute for the Built Environment Document Management, shredding and at CSU; Plaut is the IBE coordinator. recycling sponsor; Davinci Sign System, During the afternoon’s High Five for sign sponsor; and Porter Industries and Green Success presentation, representa- Northern Colorado Paper, breakfast tives from 15 companies that are giants sponsors. in sustainability success will deliver For more information about speak- action plans and resources for engaging ers, panelists, exhibitors, booths and employees and building a lean green sponsorships as well as nomination machine. forms for the Beyond the Limits Award Other Green Summit activities and recycling details, go to include: www.NCBR.com or contact You’re Always First With Us Secure document shredding and e- [email protected].

Home Equity Lines of Credit with CORRECTIONS

APRs as low as 4.99%* The Business Report will correct any errors that appear in its pages. To suggest a correction or clarification, please contact editor Kate Hawthorne at 970-221-5400, With automatic deductions from a ext. 224, or e-mail her at [email protected]. qualifying checking account. No closing costs. TO SUBSCRIBE OR ADVERTISE, CALL 800-440-3506

The Northern Colorado Business Report (ISSN 1094-8198) is published biweekly, with an extra issue in 1stnationalbank.com | 970.495.9450 | 800.883.8773 | December, by The Northern Colorado Business Report Inc., a Colorado corporation, 141 S. College Ave., Fort Collins, CO 80524. Periodical postage paid at Fort Collins and additional * Annual Percentage Rate (APR) for this loan is variable, based on the Wall Street Journal Prime Rate plus 1.74%, and subject to change offices. daily with a maximum APR of 21%. As of 3/8/10, the Wall Street Journal Prime rate plus 1.74% results in an APR of 4.99%. The advertised Subscriptions are $49.97. International subscriptions are $175.00. APR is for Home Equity lines of credit secured by a single family primary residence with a maximum loan value (LTV) of 85% less prior liens and encumbrances, in an amount not less than $5,000 and not exceeding $125,000. The actual APR of your loan may be higher depending on the date of application, equity in your home, your debit to income ratio, your credit history, and the repayment terms of your POSTMASTER: Send change-of-address notices to: loan. Advertised rate requires automatic deduction for monthly payments from a qualifying First National Bank checking account (Green The Northern Colorado Business Report, Checking, Premium Checking, 50 Checking Plus, or Total Banking). Existing loan customers may participate in this special by increasing their current line of credit by $10,000. There is a $75 annual fee. Prepayment penalty of $350 will be charged if the line is closed within 2 Post Office Box 1399, Fort Collins, CO 80522. years from opening. Subject to credit approval. No other discounts apply. Certain restrictions apply. Property insurance is required. Consult 970-221-5400 • 800-440-3506 • Fax: 970-221-5432 your tax advisor regarding deductibility of interest. E-mail: [email protected] • www.ncbr.com March 26-April 8, 2010 | www.businessreportdaily.com Northern Colorado Business Report | 5A Johnson Dairy bankruptcy enters second year

claims from unsecured creditors, includ- ment, the dairy sold 8,700 cows, earning Fine for illegal ing feed suppliers, veterinarians and $10.15 million for its participation in the other service providers. program and an additional $4.8 million workers could “The dairy is About $50 million in claims were dis- from the proceeds of the slaughtered missed in a settlement reached Nov. 18 cows. The sale proceeds were used to sat- tangle settlement now solvent…” with the Federal Deposit Insurance isfy claims by FDIC and two parties that Corp., which in April 2009 took over the had leased cows to the dairy. By Steve Porter failed New Frontier Bank in Greeley. In October, the dairy received per- [email protected] John Johnson, owner Johnson Dairy had loans with the bank mission from the bankruptcy court to Johnson Dairy and maintained in a suit filed against the sell 3,000 heifers, reducing its herd to EATON — A bankruptcy involving bank in February 2009 that bank officers 1,300 bred heifers and 400 young heifers. what was once one of the state’s largest had pressured Johnson into taking out With the $1.850 million in net proceeds dairy operations is grinding into its sec- loans that helped lead to its bankruptcy. from the heifer sale, the dairy purchased ond year in Colorado Bankruptcy Court. “The dairy is now solvent as a result 1,300 milk cows to add to its herd and And now there’s a fine for employing with ICE, Johnson Dairy agreed to pay a of the settlement with the FDIC-R,” anticipated increasing its number of illegal workers tucked into a possible fine of $100,800, subject to approval by Johnson said in the January disclosure milk cows to 3,950. multi-million settlement with creditors. bankruptcy court Judge Sidney Brooks. statement. Johnson Dairy, owned by John D. The judge had not approved the pro- But the dairy still faces a $12.6 mil- Getting big again Johnson of Greeley, filed for Chapter 11 posed settlement as of press time. lion claim by AgStar Financial Services As a result, the dairy is expected to bankruptcy protection in January 2009 Johnson’s attorney, Jeffrey Weinman, for a $12 million operating loan, which once again become one of the state’s and has been working through the legal filed a motion on March 5 proposing Johnson Dairy alleges it was forced to largest operations. “The dairy has process while trying to keep the bills that the dairy be allowed to pay off the make to get needed capital from NFB. decreased its expenses and currently paid, cows milked and a crew of workers fine over a period of two years. AgStar and other creditors have filed operates only its small milk barn,” employed. Weinman, who declined to answer objections to the disclosure statement, according to the Jan. 18 disclosure state- But the dairy near Eaton ran into any questions about the case except and Judge Brooks has continued a hear- ment. “As the economics of the dairy trouble with the Department of through e-mail, did not acknowledge ing on it until no later than April 7 to industry improve and the dairy gains Homeland Security last summer when that the ICE fine would diminish the allow parties to try to reach a resolution increased funding for operations, the Immigration and Customs Enforcement amount of money ultimately available to on their objections. dairy intends to rebuild its herd of milk agents determined that Johnson Dairy the dairy’s creditors. Meanwhile, Johnson Dairy has been cows and fully utilize its facility.” was employing illegal workers. The “That is debatable,” Weinman wrote taking steps to solidify its financial posi- And while much progress has been dairy, which at one time employed more on March 16. tion, taking advantage last summer of a made in the bankruptcy case over the last than 100 people to care for about 10,000 herd reduction program offered by the year, several issues still await resolution. dairy cows, was notified on July 17 that $50 million in claims dismissed National Milk Producers Federation to In addition to the objections to the ICE intended to levy a fine of According to a disclosure statement decrease milk production and increase disclosure statement and proposed reor- $169,890.50 as a result of its investiga- filed Jan. 18 to accompany the proposed milk prices, which have been near his- ganization plan, adversary proceedings tion. reorganization plan filed Dec. 21, the toric lows. filed by Johnson Dairy against Greg Bell, In a proposed negotiated settlement dairy is facing more than $6 million in According to the disclosure state- See DAIRY, 24A 6A | Northern Colorado Business Report www.ncbr.com | March 26-April 8, 2010 Have we dodged the H1N1 pandemic bullet?

“It was a very stressful campaign in Still, she’s not yet ready to say the deaths this season compared to seven Flu season closes termsofbeingaskedtodevelopacer- danger has passed. “All you have to do is last year and two the year before, tain response,” Surbeck remembers. “We declare it’s over and then…” she said. according to state health department with fewer cases had to be very prudent to make sure “We’re hopeful there won’t be a recur- spokeswoman Joni Reynolds. She said that what we didn’t cause a stampede.” rence, but flu season can actually go the state has so far distributed 1.615 than anticipated The number of H1N1-diagnosed into May.” million H1N1 vaccine doses. cases zoomed in the fall and peaked in Weld County, which ultimately dis- Statewide through March 6, Jon Surbeck, Weld County’s director mid-October, but by then the vaccine tributed well over 200,000 H1N1 vac- Colorado reported a total of 69 flu of public health preparedness, recalls was starting to arrive in sufficient cine doses, administered about 16,000 deaths, 57 among adults; 84 percent of the anxiety and stress he felt faced with amounts for clinics spread across shots, about 435 of those in February, all who died had underlying health con- an oncoming flu Northern Colorado to handle the said Surbeck, who also acknowledged ditions. pandemic and the demand. that the risk is not yet over. “We’ll be So a major pandemic in 2009-10 did dribbling number And then a funny thing started to continuing our operations at least not materialize and hope continues that of doses of vaccine happen. Well, not funny for those who through March and April.” it won’t. But the mild pandemic did that started arriv- suffered through the flu and certainly offer some lessons to health officials. ing last fall. not for those who died from it. But the New cases dwindling LeBailly said the pharmaceutical The pandemic steamrolling pandemic that many New H1N1 cases in Colorado have industry’s reliance on growing vaccine of H1N1 influen- feared could kill unimaginable numbers been dwindling since January, and the in chicken eggs proved to be unreliable za, otherwise proved to be … not that bad. Colorado Department of Public Health and she predicts the method will be known as swine As of March 19, Weld County had and Environment reported no new used less in the future. “It was really flu, was erupting HEALTH CARE recorded no deaths from the flu. cases for two weeks in February and in almost a miracle that we got (the vac- around the world, Larimer County counted three deaths early March. cine) out when the outbreak was peak- Steve Porter launched out of — all people in their 50s — and one The state health department reporting,” she said. Mexico in April that looked like it was caused by the flu. ed 60 flu-related hospitalizations in Surbeck looks back on the experi- 2009. Pharmaceutical manufacturers “I don’t think we’ll ever know about Larimer County through March 6, ence “as a blessing and a gift.” were struggling to make the millions of that one,” said Adrienne LeBailly, M.D., with 15 definitely attributed to H1N1. “It was the first time in most peo- doses of vaccine needed to cope with Larimer County Department of Health There were 108 such hospitalizations ple’s lifetimes that they saw a pandemic the outbreak, but production delays and Environment. “We were just happy in Weld County, with 37 chalked up to that could have been really devastating,” were hampering getting it to places like we had no pediatric deaths.” H1N1. he said. “I think it was a wake-up call Northern Colorado. LeBailly, who was recently honored Younger people in general seemed to for us, a once-in-a-lifetime opportunity Clinics were set up to vaccinate the by the McKee Medical Center be most affected by H1N1, and the to really look at our preparedness and most vulnerable first — pregnant Foundation for helping guide the H1N1 national Centers for Disease Control in response plans.” women, children and people with response in Larimer County, said the Atlanta reported on March 12 that it underlying health problems — and in county has administered 18,000 vacci- had received reports of 329 laboratory- Steve Porter covers health care for the those chaotic early days there never nations and is still giving shots, but confirmed pediatric deaths with 277 of Northern Colorado Business Report. He seemed to be enough vaccine to go added “the demand has dropped pretty those due to H1N1 since April 2009. can be reached at 970-221-5400, ext. 225, around. significantly from January on.” Colorado has had 12 pediatric flu or at [email protected].

Join us as some of American’s most accomplished Tuesday, April 13 businesswomen share their secrets to success. 8:30 a.m.-4 p.m. University Center Ballroom Business Planning for Your Life Business Plus Speaker Series Luncheon 11:30 a.m.-1 p.m. University of Northern Colorado Rhea Law CEO and Chair of the Board, Diane Fannon Fowler White Boggs PA., Tampa Brand Manager, The Richards $45 for the event Group, Dallas $20 for the Business Plus Speaker’s Series luncheon only Branding Yourself in a Tough Economy Making Sense of Today’s l Participate in breakout sessions A brand is a promise. What’s between presentations. Economy and Investing yours? Strong brands l Network with respected business leaders Kate Warne survive missteps, challenging from throughout the Front Range. Principal, Research: Edward Jones economies, leadership l Enjoy a special panel discussion at the changes and the onslaught of end of the day. competition. But why do some l Share your perspective with students brands thrive while others from the Monfort College of Business How to be a Leader in Any ﬂounder? Find out how the same and universities from around the country. Organization principles that guide a brand like Chick-ﬁl-a or Bridgestone Tires Sponsored by: Debra Benton New York Times Best Selling to success can provide guidance Author, Executive Coach for people as they develop their own personal brand.

Make your reservation at www.uncalumni.org/events or call (970) 351-2551 NORTHEAST-EAST CENTRAL For more information visit www.mcb.unco.edu/WomensForum March 26-April 8, 2010 | www.businessreportdaily.com Northern Colorado Business Report | 7A Software change bigger than Amazon issue

standardized software — on disk or Department of Revenue. “This has been an the tax base to begin with. Nelson said Download sales tax downloaded — will now be subject to unsettled area of taxation for a long time.” that downloadable software was not a sales tax. Custom software will continue part of the tax base, therefore it was an could be headed for to be sales tax-free. The new law is Software tax different exclusion. The recent changes were to expected to generate $23.7 million in Colorado’s software tax regulations the definition of what is tangible prop- lengthy legal battle the 2010-11 fiscal year. were first formulated in 1977 — the erty, pulling downloadable software The Colorado Software and Internet same year personal computers hit the into the tax base. Amazon’s seemingly nonsensical firing Association fought tooth-and-nail to head world market. The regulations called for “That’s a key difference, and it could of its Colorado affiliates grabbed most of off the software tax. President Su Hawk a two-part test to decide whether or not be significant for a TABOR violation,” the attention following a litany of state called it the “most dangerous bill ever in a piece of software was taxable, and any he said. tax law changes CSIA history” in a January blog post. reasonably intelligent businessperson Hawk wouldn’t confirm that the last month. Despite her disappointment in the passage could plan his or her software purchase CSIA is preparing for a legal battle, but In late of HB 1192, Hawk counts a few victories. in a way to circumvent the taxes, she also pointed out the potential for February, the As originally written, the tax would have according to Bruce Nelson, a senior tax TABOR issues. Legislature passed included cloud computing; software as a manager for EKS&H in Fort Collins. “We think that there are elements and Gov. Bill service, or SaaS; and other emerging IT As a result, the Colorado that are a brand-new tax,” Hawk said. Ritter signed a services that are exempt in the final law. Department of Revenue started looking Nelson also pointed out that different series of bills to The CSIA is worried that this tax will into changing the code in the mid- rules of taxation could soon lead to raise tax revenue, have far-reaching and long-term negative 1990s. Under the leadership of Mary companies doing business in multiple including lifting impacts on the state’s software industry. Michael Cooke, named executive direc- states paying more than their fair share. exemptions on TECHNOLOGY Colorado-based IT teams might be tor in 2002, the department began There is a push now to get all states to items ranging Kristen Tatti passed over for professionals in one of requiring sales tax on all standard soft- adopt a multiple-points-of-use method from candy and the 38 states that do not tax download- ware that had a material existence — it to allow the state where software user soft drinks to agricultural compounds able software, or there could be harsh could be physically held. Nelson said licenses are used to collect the taxes, but and pesticides, and asking out-of-state repercussions for state software compa- that provision wasn’t popular with not all states have signed on. Without it, online retailers to report sales taxes nies targeted for acquisition, Hawk said. everyone at the time, especially within a company could be held accountable owed by customers in Colorado. “The biggest concern I have is the the Department of Revenue. for paying the full sales tax on its soft- Amazon reacted by disassociating from unintended consequences,” Hawk added. Nelson feels that there is a legal bat- ware purchases in its base state as well as Colorado-based websites that drove She also worries that once businesses tle brewing. On the Department of taxes for its licenses used in other states. traffic to its site. That tax is expected to fully understand the impacts of the bill, Revenue website, the software sales tax “The software people are correct in generate up to $4.7 million in the 2010- they will feel slighted by the Legislature. changes are listed along with the newly being apprehensive about this,” he said. 11 fiscal year. The discussion is far from over. eliminated exemptions. “This is an area that is going to be Another change, though, will have a While the state issued emergency regu- “The software regulation is differ- revisited because technology is chang- bigger impact on the state’s budget and lations to get the tax changes into effect ent,” Nelson said. ing so fast.” on Colorado businesses. For decades, almost immediately, a final rulemaking There is a difference between a tax state residents and businesses have had hearing will be held on a date that had exemption and a tax exclusion. An Kristen Tatti covers technology for the to pay sales tax on software only if it not been set at press time. exemption takes something that is part Northern Colorado Business Report. was packaged — downloads were not “We’ll certainly get a lot of feedback,” of the tax base out of it, while an exclu- She can be reached at 970-221-5400, ext. taxed. Thanks to House Bill 1192, any said Mike Couch, spokesman for the sion is something that is not a part of 219 or [email protected]. Tired of your siding? CALL TODAY!

At Stucco Rite, we can place a stucco, stone or brick system that goes directly over your current siding.

I No Demo of your siding needed I R-4 Insulation Value I 10 year warranty Keep your home or business cooler in the summer and warmer in the winter. Update the exterior of your home without the cost of buying a new home.

LOOK to the future for government rebates, the Home Star or “CASH FOR CAULKERS” program, which might help to pay for your upgrade of a new stucco system. Is your stucco in need of repair? Setting the Standard in Exterior Finishes

At Stucco Rite, we offer full repairs of stucco and masonry from Providing Northern Colorado with high quality, professionally installed exterior finishes. damage caused by hail, wind, woodpeckers and overall damage. STUCCO • STONE • BRICK • BLOCK CAULKING AVAILABLE Visit our showroom located on Crossroads Blvd., South of the Budweiser Event Center FOR ALL INSURANCE - REFERENCES - METHOD OF APPLICATIONS - 970-381-6956 SPECS - COLORS AND BONDING INFO VISIT OUR WEBSITE AT: www.stuccorite.com [email protected] 8A | Northern Colorado Business Report www.ncbr.com | March 26-April 8, 2010

Professional Positions “Building Diversified Relationships Through Integrity, Ethics & Value” Executive Employers Professional Temp Suddenly laid off or Clerical,Accounting Temp to Hire Medical Permanent Placement Optical Contract Projects Sales SpecialProjects SkilledTrades Background Checks in career transition? Manufacturing E-screen GeneralLabor E-verify E-skills testing 1983, her consulting practice, The Additional Services Lisa Robin Amanda Check emotional People Business Inc., has focused on HR Solutions & Payroll Solutions Payne Aragon Ericson helping people within organizations Business Solutions & Consulting baggage, then take effectively manage change. Bavoso real- Training Seminars Action ized that the same skills apply to people CDOTTraining & Placement (970) 667-4202 off for new job Staffing 1518 North Madison Avenue, Unit E outside of the workplace. Applicants Loveland, Colorado 80538 Last summer, she began facilitating a ProfessionalResumeWriting The national unemployment rate support group to help laid-off friends Solutions Awarded "National Professional of Career Counseling hovers around 10 percent and nearly 10 and colleagues explore and express their the year for the Staffing Industry" million Americans are unemployed. feelings in a safe environment. Less Job Placement www.MYACTIONSTAFFING.com by Presidential Who’s Who According to the Bureau of Labor than a year later the guidebook has Statistics, 6.3 mil- been published and the Larimer lion people are County Workforce offers support long-term unem- groups based on her curriculum. ployed which Participants have described the experi- means they have ence as very valuable in helping them been out of work through the loss and giving them the for 27 weeks or skills to move on with life. longer. The long- According to Bavoso, “Unless people term unemploy- work through the emotional aspects of ment rate is trend- change, they won’t be able to manage ing up as laid off THE CAREER the practical side of finding a job or workers find it ENTHUSIAST making a career transition.” increasingly diffi- Carrie Pinsky cult to land new Laid Off Camp jobs. Laid Off Camp is another innovative These facts are program offered through the LCWC. dismal but they don’t even begin to Kevin Buecher and Nick Armstrong describe the emotional toll that being developed this playful camp concept to unemployed takes on people. Losing a bring people together to explore new job stirs up intense feelings of sadness, career paths. “Laid Off Camp structures anger, betrayal and fear. Being laid off learning around the people in the room can come as a devastating shock, erod- rather than on a series of slides project- ing confidence and one’s sense of self- ed on a wall,” the two local innovators worth. explained. “At a typical seminar or con- Layoffs are so widespread that it has ference, there is one expert on the stage become increasingly clear that the deci- sharing information with many people. sions are cost-driven and have little to This can leave participants feeling sup- NCBR Reports do with an employee’s skill level or pressed and passive.” value. Yet, a stigma remains. Even Laid Off Camp is based on the though the layoff was not the worker’s ‘many to many’ approach to learning, fault, feelings of shame and disgrace are according to Buecher. “People partici- common. pate in the truest sense of the word. Tuesdays We live in a culture that values “get- They are encouraged to tap into and ting back on the horse.”We admire share their inherent talents and 10:00 p.m. people who buck up and face life’s chal- strengths which creates a unique learn- lenges with a positive attitude. There ing experience for everyone.” are times when this serves us well but Armstrong adds that participants certain life events, such as divorce or leave feeling energized and positive being laid off, warrant taking the time about the value they offer. “It really to appropriately grieve. doesn’t get any better than that when Many people receive their walking it comes to empowering people to papers one day and begin polishing make positive change in their lives,” he their resumes and reaching out to con- said. tacts the very next. This knee-jerk reac- You may be one of many people who Kristin Tatti — tion might appear proactive, but it can has faced the grim reality of going backfire. Candidates often imagine they home to tell loved ones that you no NCBR Reporter are presenting themselves well but hir- longer have a job. Don’t give short ing managers and recruiters can sniff shrift to your emotions, and avoid out emotional baggage like scent going into isolation. Working within hounds on a fox hunt. the context of a supportive group to NoCo 5 covers Northern Colorado understand and process your feelings, Accepting change not chosen and to eventually explore what is next, Fort Collins/Loveland >>>>>>>>>>>>Comcast Digital Channel 8 This is precisely why Johnna Bavoso can be extremely beneficial. wrote “From Laid Off to Living,” a Visit the LCWC website at Greeley >>>>>>>>>>>>>>>>>>>>>>>Comcast Digital Channel 14 guidebook designed to help people www.larimerworkforce.org for informa- US Cable 5 process the emotional aspects of job tion about these, and many other, free loss. The book is not about building a programs available to help people Dish and DirecTV >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>Channel 3 better resume or nailing the interview. through the emotional, intellectual, and “From Laid Off to Living” is about creative challenges of making smooth grieving loss and learning how to and successful career transitions. accept change that was not chosen. Bavoso can also be reached at john- Northern Colorado 5…The Only Bavoso helps people maneuver through [email protected], and the cycle of grief to deal with what she Buecher and Armstrong can be contact- TV Station Committed to refers to as “The Was and The Is,” in ed through www.laidoffcamp.com order to visualize and create a better Northern Colorado “Will Be.” Carrie Pinsky also blogs about Bavoso has spent her entire career employment-related topics at The Career helping people through change. Since Enthusiast on www.ncbr.com. TIME OUT

Snapshots of life outside THE EDGE the ofﬁce Page 11A

COLUMNS Marketing gets small on mobile Web

It’s time to design Smart and social, too

e-commerce sites Smartphone users have accessed social networking websites through their mobile browsers 8.3 percent more this year than they did last year, according Innovation for new handhelds to research by comScore. Continuous process The study found that while 22.5 per- improvement still By Joe Dysart cent of smartphone users accessed a worth the effort social networking site in January 2009, Page 14A [email protected] 30.8 percent accessed sites like Facebook Industry experts expect the number of and Twitter during the same month in ETC. mobile phones on the planet with Web access 2010. In fact, using Facebook through a will overtake the number of PCs with the mobile network grew 112 percent in the Calendar same by 2013, and by 2014, the market pene- past year, while tweeting on smartphones Events, seminars tration of mobile phones worldwide will be grew by 347 percent. and dates to look at 90 percent. The installed base of smart- “Social media is a natural sweet spot for mobile since mobile devices are at the forward to phones will reach 1.32 billion units by then, Page 10A center of how people communicate with according to online research firm their circle of friends, whether by phone, Gartner.com The clear message: All e-retailers need to text, e-mail, or, increasingly, accessing social networking sites via a Briefcase mobile browser,” said Mark Donovan, comScore senior vice president of seriously consider adding a mobile-friendly Regional mobile studies. business version of their website to allow content to Another recent report, by developments load easily on the relatively tiny screens of Page 12A Reuters, found that increased use iPhones, Blackberries, Android phones and of smartphones for the mobile Web the like now. Indeed, similar findings in other is fueling a developing market for On The Job studies reinforce the wisdom of designing a wireless phone applications as well special website, or series of special sites, for People as mobile advertising. in the news, mobile device users. on the move A 2009 Retail Holiday Season Shopper Page 13A SOURCE: VISAGEMOBILE.COM See E-COMMERCE, 25A

LISTS Region’s largest

Windsor How to play nice in social media world employers Page 15A To make social media more approachable, think of the Just like in kindergarten, social media sites as friends. Facebook is your retired aunt Chambers of who wants to share her favorite casserole recipe; Twitter is Commerce be sure to share with friends your fast-talking cousin who speaks in fragments and Page 20A sometimes switches topics mid-breath; and LinkedIn is The whole “social media” craze — and the ever- your mom, intent on putting you in touch with others Greeley & Evans expanding number of websites and applications that fall who will ensure your permanent well-being (so she can under that umbrella — can seem more urgent and over- stop worrying about your future). employers whelming than staring down a blank tax form on April Like your colorful spread of friends and family, social Page 21A 15. media sites have distinct personalities, but they have just ON But unlike taxes, social media strategy has a warmer, as many commonalities. They’re best enjoyed in groups MARKETING fuzzier side, and many of the ideas that make it work are (the more the merrier), they should be OK with sharing Jessie Halverson concepts you learned when you were a kid. Include every- (that’s taking and giving), and they are often grounds for one. Share. Be nice. They’re timeless ideas with the power sharing memorable events. to help you make friends now just like they did back then. See MEDIA, 31A

ED CARROLLCARRROLL AUDIAUDI SPRINGS SALESSAALES EV EVENTENTT up mo*m !3+ !"/54! !02TO !! 4 QUATTROQUATTRO 0REMIUM0REMIUM PKG $ mo 499 MOMO LEASE &IRST PAYMENT OFF PLUS TAX AND RREFUNDABLEEFUNDABLE SECURITY DEPOSIDEPOSITT DUE AT SIGNING !CQUISITION!CQUUISITION FEE INCLUDED IN PAYMENT -320 SALE PRICE ++ MILESYEAR LEASE 3TK

7!#77!# IN LEW OF DISCOUNTS EXPIRESEXPIRES WWWAUDIUSACOMED CARROLLWWWAUDIUSACOMED CARROLL s 3OUTH #OLLEGE# !VE!VE s &ORT #OLLIN#OLLINS NS #/ 10A | Northern Colorado Business Report www.ncbr.com | March 26-April 8, 2010 CALENDAR

March 26 - 27 — Northern Colorado Writers at 970-498-6611 or [email protected]. 150 (Key Bank Tower) in Fort Collins. Cost: $40, Fort Collins. Cost: Free. Contact: Angel Conference, from 12:30 p.m. to 4:30 p.m., Hilton March 31 — A journey into the minds of masters... a $50/day of. Contact: SBDC at 970-498-9295 or Kwiatkowski at 970-219-4061 or fccoworking Fort Collins, 425 W. Prospect Ave. in Fort Collins. 50 Interviews Multi Author Launch/Celebration, www.sbdc-larimer.com. @gmail.com. Cost: $260/NCW members, $310/nonmembers, from 7 to 9 a.m., Everyday Joe’s Coffee House, April 2 — Artist Adaptations exhibit, starting at 5 April 2 — Abby’s Signature Concert Series Good $225/one day only, $10/keynote only. Contact: 144 S. Mason St. in Fort Collins. Registration p.m., Art Center of Estes Park, 517 Big Thompson Friday Concert, from 9:30 to 11 a.m., First Kerrie Flanagan at 970-556-0908 or Deadline: March 24. Contact: Brian Schwartz at Ave. in Estes Park. Cost: Free. Contact: Suzy Presbyterian Church, 531 S. College Ave. in Fort [email protected]. 970-215-1078 or [email protected]. Blackhurst at 970-577-9900 or Collins. Cost: Free. Contact: Jodee Hinton at 970- March 26 — OpenStage Theatre Fundraiser “Casino March 31 — Planning for Business Success, from 8 to [email protected]. 663-3500 or [email protected]. Royale,” from 7 to 11 p.m., Sunset Events Center, 11 a.m., Loveland Small Business Development April 2 — Teen Flashlight Easter Egg Hunt, from 7:30 April 3 — Till Death Do Us Part: Late Nite Catechism 242 Linden St. in Fort Collins. Cost: $50. Contact: Center, 441 E. Fourth St., Suite 101a in Loveland. to 9 p.m., Eastman Park, in Windsor. Contact: 3, from 7:30 to 10 p.m., Union Colony Civic Center, OpenStage at 970-484-5237 or www.open- Cost: $40. Contact: Mary Ann Huffines at 970- Dawn Ausmus at 970-674-3516. 70110thAve.inGreeley.Cost:$28,$25,$20 stage.com. 667-4106 or [email protected]. April 2 — Marketing Intervention - Stop the waste. Center Circle $45. Contact: Andy Segal at 970- March 28 — Hairspray the Musical, from 3 to 6 p.m., April 1 — Loveland Chamber of Commerce Business Regain control! , from 8 a.m. to 5 p.m., MacKenzie 350-9455 or [email protected]. Union Colony Civic Center, 701 10th Ave. in Greeley. After Hours, from 5:30 to 7:30 p.m., Medical Place Lodge Room , 4750 Pleasant Oak Drive in April 5 - 26 — Microsoft Excel Online (Part 1), Front Cost: $44, $39, $29. Contact: Andy Segal at 970- Center of the Rockies, in Loveland. Cost: $12 or Fort Collins. Cost: $95. Contact: Phil Schwolert at Range Community College, 4616 S. Shields St. in 350-9455 or [email protected]. $15 at the door. Contact: Nicole Hegg at 970-774- 970-402-3270 or www.SmallBizFuel.com. Fort Collins. Cost: $75. Registration Deadline: March 29 — Laid Off Camp, from 1 to 6 p.m., Larimer 4792 or [email protected]. April 2 — Grand Opening of Cohere Coworking March 29. Contact: Laurie Rue at 970-204-8686 County Courthouse Offices, 200 W. Oak St. - First April 1 — Business Planning for Success, from 8:30 Community, from 6 to 9 p.m., Cohere Coworking or [email protected]. Floor in Fort Collins. Cost: free. Contact: Lucinda a.m. to noon, SBDC office , 125 S. Howes St., Suite Community, 215 Jefferson St., Second Floor in April 5 — First Step - Selecting Your Business Type, from 8 to 10 a.m., Loveland Small Business Development Center, 441 E. Fourth St., Suite 101a in Loveland. Cost: $25. Contact: Mary Ann Huffines at 970-667-4106 or maryann@loveland the Limits sbdc.org. April 6 — Fort Collins Area Chamber Business Knowledge Bites, starting at 11:30 a.m., Fort Collins Chamber, 225 S. Meldrum St. in Fort BeyondAward 2010 Collins. Cost: $15/chamber member, $20/non- member. Registration Deadline: 4/5/2010. Contact: Fort Collins Chamber at 970-482-3746 or www.FortCollinsChamber.com. Celebrating Sustainability in Business April 6 — Front Range PC Users Group presents Social Networking Tools, from 7 to 9 p.m., Fort Collins Senior Center, 1200 Raintree Drive in Fort Beyond the Limits Award Collins. Contact: Mike Morris at 970-461-2002 or Sponsored by Poudre Valley REA [email protected]. April 7 - 8 — Bureau of Industry and Security, from The 2010 Poudre Valley REA Beyond the Limits Award has been established to recognize the commitment made by a Northern Colorado company to sustainable business practices. 8:30 a.m. to 4:30 p.m., World Trade Center, 1625 The award will be presented during the Northern Colorado Business Report 2010 Green Summit on April 8th. Broadway, Suite 680 in Denver. Contact: Justn Szymik at 303-592-5757 or [email protected]. Eligibility: To receive the Beyond the Limits Award a company must be on the Poudre Valley REA system. April 8 — EnvirOvation A Climate Wise Showcase, starting at 3 p.m., Drake Centre, 802 W. Drake Criteria: The company that will be honored with the 2010 Beyond the Limits award must have shown Road in Fort Collins. Contact: Climate Wise at To be innovation and leadership in one or more of these areas. 970-221-6600 or www.fcgov.com/climatewise/. • Renewable energy - installing renewable energy systems on site or supporting renewable April 8 — Next Step, Cash is King, Cash Flow Basics, presented energy through manufacturing, development, design or financing. from 8 to 10 a.m., Loveland Small Business • Energy efficiency - installing or upgrading equipment, lighting, software or other systems to Development Center, 441 E. Fourth St., Suite 101a reduce electricity usage. in Loveland. Cost: $25. Contact: Mary Ann • Energy conservation - improving physical plant or offices through auditing energy use and Huffines at 970-667-4106 or maryann@loveland weatherization and insulation efforts. sbdc.org. • April 8 Employee involvement in supporting green programs of any kind. April 9 — IMC Breakfast: Secrets to Selling and

Entry Information Closing in a Tough Economy, from 7 to 9 a.m., Check the area in which the company nominated has excelled below. Include a description of how the Denver Athletic Club, 1325 Glenarm Place in at company met the criteria. Denver. Cost: $25/members, $30/non-members. Contact: Theresa M. Szczurek, IMC Marketing Entry details Chair at 303-443-8674 or [email protected] . Company name April 9 — Loveland Mountain View Rotary 3rd Annual Contact person Charity Hoedown, from 5:30 to 11 p.m., Ellis Ranch & Address City, State, zip code Events Center, 2333 Ellis Ranch Lane in Loveland. Cost: Phone number for contact person $50/person, $75/couple. Registration Deadline: call for Email for contact person details. Contact: Monica Graham at 970-690-1576 or [email protected]. Entry submitted by: Entries may be submitted by someone employed by the company April 9 — Hoedown Fundraiser at Ellis Ranch for being nominated or by someone outside the company. Partners Mentoring Youth, from 5:30 to 11 p.m., Name Ellis Ranch & Events Center, 2333 Ellis Ranch Company Address Lane in Loveland. Cost: $50/person, $75/couple. City, State, zip code Contact: [email protected] at 970- Phone number 690-1576 or [email protected] . Email April 9 — Microsoft Project Level I, from 8 a.m. to 5 p.m., Front Range Community College - BP152, Renewable energy Energy conservation 4616 S. Shields St. in Fort Collins. Cost: $179 Energy efficiency Employee involvement (includes textbook). Registration Deadline:

Sponsored by: Project description (50 words maxiumum): 4/06/2010. Contact: Laurie Rue at 970-204-8686 or [email protected]. April 10 - 17 — Microsoft Excel 2007-Intermediate, from 9 a.m. to 1 p.m., Front Range Community College - BP152, 4616 S. Shields St. in Fort Collins. Cost: $149 (includes textbook). Registration Deadline: 4/07/2010. Contact: Laurie Rue at 970- When was it implemented? 204-8686 or [email protected]. April 10 — Voyage to Africa 7th Annual Hard Hat Nomination Deadline Gala to benefit Habitat for Humanity, starting at Nominations must be received by March 26, 2010. 6 p.m., Embassy Suites Loveland, in Loveland. Cost: $80 individual ticket, $140 couple tickets. When the nomination form is completed email it to De Dahlgren, NCBR marketing and events director, at Contact: Shannon Hein at 9704882704 or [email protected]. [email protected]. March 26-April 8, 2010 | www.businessreportdaily.com Northern Colorado Business Report | 11A TIME OUT

1 2 3

IT’S A VISIONING THING — 1. Jeremey Klop, senior associate with Fehr & Peers Transportation Consulants; and Judy Dorsey, president of Brendle Group; helped the city of Fort Collins coordinate the Plan Fort Collins Thought Leaders visioning exercise on March 4 at the Fort Collins Senior Center. 2. Kira Friedman, co-owner of Harper Point Photography, networks with Morgan Jackson of United First Financial at the NoCo Entrepreneur Network Meet-up on Feb. 22. 3. Candice Hartley, left, graphic designer at Lamp, Rynearson and Associates Inc.; and Timiry Krieger, business development coordinator for CTL Thompson Inc., stop by the various department displays at the Plan Fort Collins kick-off event on March 3. 4. Alex Estevez, left, member of the Anderson & Whitney PC audit team; Jason Castle, student; Amanda Castle, with Watkins & Schommer Inc.; and Jorge Chavez, staff accountant for Bruce Preston CPA PC, take a break from the busy tax season for a little networking at the March 4 Greeley Young Professionals event at Kenny’s Steak House. E-mail your event photos to Editor Kate Hawthorne, [email protected]. photos by Business Report staff; Greeley Chamber of Commerce Include complete identification of individuals. MORE BANG FOR YOUR BUCK

A-Train Marketing Communications is a full-service agency. That means all your marketing needs – from creative to strategy to research – can be found in one place.

Every buck invested in marketing with A-Train has the potential to produce more ‘doe’. Give us a call and ﬁnd out what we can do for you.

www.atrainmarketing.com

215 W. Oak Street, Suite 800-A ph: 970.419.3218 Fort Collins, CO 80521 fx: 970.482.3442 12A | Northern Colorado Business Report www.ncbr.com | March 26-April 8, 2010 BRIEFCASE

NEW PRODUCTS AND SERVICES out January and February. During January, Rodizio and nutritious resources for families in need. Weld Nonproﬁt notes Grill donated a portion of proceeds to The Food Bank will use this contribution for its gener- Larimer County Human Resources depart- Matthew’s House. In February, The Matthew’s ment has a new system for filling jobs at the coun- Turning Point Center for Youth & Family al operations and to further its mission of leading House sold gift certificates with 100 percent of the ty. The system, NEOGOV Insight Enterprise, is a Web- Development serving Northern Colorado is seek- and engaging our community in the fight against sales going back to itself. based, workforce management solution specifically ing individuals to fill openings on the agency’s hunger. designed for use by government. The system incor- board of directors. Candidates should have excep- Retirement planning firm GrowSecure Inc. of Over $14,000 was collected for the Food Bank porates all aspects of recruitment, selection, appli- tional qualities to contribute including fundraising Loveland collected 118 pounds of donated items for Larimer County during the fifth annual cant tracking, workflow automation, reporting and and development, legal expertise, business net- and food through an appreciation event for its Great Plates of Downtown event in Fort Collins. analysis. The system can be located at working talents and other qualities. Information clients. All canned goods have been donated to The event provided the public with opportunities www.larimer.org. on application and minimum expectations can be the Larimer County Food Bank in Fort Collins to support the Food Bank for Larimer County by found at www.turningpnt.org. Applications may be and will be distributed to both Fort Collins and NEW LOCATION encouraging attendees to “leave the change” faxed to Dana Tringo 970-221-2727 or e-mailed to Loveland residents. after enjoying the great dinner specials during [email protected]. Natural Grocers by Vitamin Cottage,a the two-week event. This donation will provide Natural gas company DCP Midstream donat- Colorado-owned, independent grocery chain with a enough food to local families for more than Rodizio Grill in Fort Collins raised over $1,800 ed $10,000 to Weld Food Bank to support the focus on natural and organic products, has opened 50,000 meals. through sales for The Matthew’s House through- organization’s effort to provide sustainable safe at 2819 35th Ave. in Greeley. DEADLINES

The UnitedHealthcare Children’s Foundation is seeking grant applications from Colorado families in need of financial assistance to pay for their child’s health care treatments, services or equipment not covered by their commercial health insurance plans. Qualifying families could receive up to $5,000 to help pay for medical servic- BBB Circle es and equipment such as physical and occupational therapy, prescriptions, wheelchairs, orthotics, eyeglasses and hearing aids. Grants are also provid- of Trust ed in cases where insurance may cover only a portion of the expenses. To be eligible for grants, chil- You are invited to the 12th Annual dren must be 16 years of age or younger. Families must meet economic guidelines, reside in the Better Business Bureau United States and have a commercial health insurance plan. Parents and legal guardians may apply Torch Awards for for grants online at www.uhccf.org.

Business Ethics The deadline to submit applications for two $2,500 scholarships to outstanding Larimer Thursday, April 15, 2010 Platinum Sponsor County high school seniors who desire to further at the Embassy Suites Hotel their education at a university, college, junior col- I-25 at Crossroads Boulevard, Loveland lege, or technical institution is extended to April 1. Representatives from each of the area high schools Reception at 5:00 p.m. have been provided with the information for these Dinnerand event at 6:30 p.m. scholarships. Details and forms necessary for apply- ing can also be found via a link on the Larimer Also presenting the 8th Annual Media Sponsors County Clerk and Recorder website main page at www.larimer.org/clerk. BBB/Rotary $5,000 Ethics Scholarship. ANNIVERSARIES The Brighton Economic Development Corp. celebrated its 35th anniversary earlier this month Presenting Sponsors with a gala at the Armory in Brighton. An art auc- tion of four paintings by Brian Olsen of Art in Action followed the performance and raised $8,325 to help support the BEDC. MISCELLANEOUS

The Loveland Chamber of Commerce has added investors Neighbor To Neighbor, Longs Peak Credit Union, Action Staffing Solutions, Hip Mountain Mama, In Your Home Physical Therapy, 7-Eleven Boise, Group Inc. Real Estate/Bob Skillman, United States Army Recruiting Command, M & E Painting, Genteel Special Guest: Printing & Graphics, Philip Kembel CPA LLC, Steve Cox, CEO of the Pourhouse Bar & Grill, Advantage Research, Council of Better GrowSecure and SitTxT Broadcast to its list of Business Bureaus business professionals.

Corporate table sponsorships and The Fort Collins Area Chamber of Commerce added members Morgan Stanley Smith Barney, individual tickets available. The Pursuit Church and Welsh Insurance Co. Visit our Web site Be Local Northern Colorado welcomed new www.wynco.bbb.org and renewing members Home State Bank, or call for details: The Torch Awards for Business Employment Solutions, Rising Sun Farm, Access 970.488.2036 | 800.564.0370 x111 Ethics is a Presentation of the Printer Supplies Inc., A-Train Marketing Communications, Markley Motors Inc., Love Bug Better Business Bureau Foundation Inc., Horsetooth Hot Sauce, Metonomy, and Full 970.224.4222 | 800.564.0370 Circle Marketing. Be Local Northern Colorado sup- www.wynco.bbb.org ports locally owned independent businesses. For information visit www.BeLocalNC.org. March 26-April 8, 2010 | www.businessreportdaily.com Northern Colorado Business Report | 13A ON THE JOB

NONPROFIT sulting to seniors and their families, recommending real estate brokerage firm in Fort Collins — Griffith MISCELLANEOUS plans to provide seniors with a safe living environ- Realty Associates — focusing on large office, indus- Susan Burke has been named the director of ment while maintaining their quality of life. trial and investment properties. He brings 17 years’ JJ Hannah, broker at Keller Williams Realty, has communications and strategic partnerships for the development, brokerage and investment experi- been named chairman of the board for the Fort REAL ESTATE Colorado chapter of the National MS Society where ence. Collins Downtown Business Association replacing she will be responsible for elevating awareness of mul- Lee Swanson when his term expired in January. Mike Davis of Re/Max Traditions in Longmont GOVERNMENT tiple sclerosis and local programs and services in addi- and Mike Pesce, broker associate with RE/MAX tion to expanding community involvement and sup- The Dog Writer’s Association of America award- Action Brokers, each earned the Certified Distressed Mike Gavin, emergency manager for the city port. ed Fort Collins-based authors Sasha Foster and Property Expert designation. Robert Kaczanowski of Fort Collins and battalion chief with Poudre Fire Ashley Foster with the 2009 Maxwell Award for completed the new home sales course to earn his Authority, has been elected as the new State All- The Colorado chapter of the National MS Society Best Care and Health Book and the 2009 Dogwise Certified New Home Specialist designation. Abby Hazards Advisory Committee Chair. As chair of honored Brant Gluth of Fort Collins with the 2010 Book of the Year Award for “The Healthy Way to Renner completed the real estate industry’s most SAHAC, Gavin will also sit on the SAC as a voting MS Champion Award, which is presented someone Stretch Your Dog, A Physical Therapy Approach.” comprehensive designation for the use of the U.S. member. The SAHAC provides advice on all matters living with MS who has not let the challenges Government’s FHA 203k Home Purchase and related to all hazards emergency management, become an obstacle to leading a full life. The If you have an item to share about a promotion, Renovation Loan Program. coordinates and facilitates information, makes Colorado chapter also honored Chad and Troy job change or career news of note, e-mail it to recommendations to the Governor’s Homeland [email protected], or mail it to On The Job at McWhinney of McWhinney with the 2010 Hope Steve Griffith has opened a new commercial Security All-Hazard Senior Advisory Committee. Award for outstanding community service, leader- NCBR, 141 S. College Ave., Fort Collins, CO 80524. ship and philanthropy. ACADEMICS

Poudre School District selected eight teachers for the 2010 Excellence in Education Award. The recipients are: P. Diane Williams, Irish Elementary EVENT ARCHITECT TITLET I TLE SPONSORS HOSTING SPONSOR School, Bonnie Cowen, Poudre High School, Judy Oakleaf, Boltz Middle School, Mary Sue Landrum- Ehrlich, Eyestone Elementary School – Excellence in Education Award; Debi Varoz, Fossil Ridge High School, Tom Lopez, Rocky Mountain High School, Sue Bartlett, Rocky Mountain High School – Mary Hull Award; and Ericka Freed, Rice Elementary School – Promising Teacher Award. Rotary Clubs of Fort Collins received the Community Education Advocate Award.

Janice Payan, associate professor of marketing at the University of Northern Colorado’s Monfort College of Business, has been awarded the Fulbright-Vienna University of Economics and Business Administration Distinguished Chair for spring 2010. The Distinguished Chair awards are con- THE MERCURY 100 AWARDS will be the fun street party sidered among the most prestigious appointments you won’t want to miss. Join us at Front Range in the Fulbright Scholars Village as we tip our hat and raise our glass Program. to local, rising stars in the fast lane. Right To Read, Weld County Inc. appointed Rochelle Mitchell-Miller as Join us at Fort Collins’ uniquely diverse lifestyle center, Front Range Village, executive director. Right To for a night of music, awards, and summerfest ambiance. If you feel inspired, Read offers ESL, ABE and dress in your best, fun-time street party garb! Cultural Orientation with lit- eracy-based curriculum to Weld County adults, with an HOWE A memorable night to honor bussinesses who rock our region with success. emphasis on helping the burgeoning population of refugees and asylum-seek- ers. CATERING BY Restaurants For their outstanding contributions through a vast wednesday COCKTAILS TICKETSTICTICK array of publications and 5:30 MAY to extensive research in their and respective fields, Adele POFF 7:30 $ Howe of computer science, 19 P.M. HORS D’OEURVES 39 and LeRoy Poff of biology, have been named Professor Laureates 2010 by the Colorado State University College of Natural Sciences. HEALTH CARE

Legacy Services LLC, pro- Call 970-221-5400 or visit www.ncbr.com viding services and support TANGUAY for seniors in the Fort Collins TICKETS & INFORMATION Reserve your place at the party today and Loveland area, welcomes Jen Tanguay as a care manager. Legacy Services is owned and operated by SWAG BAG SPONSOR MEDIA PARTNER MARKETING PARTNER EVENT PARTNER ASSOCIATE SPONSOR Becky Lindsey, a licensed clinical social worker and certified geriatric care manager. Legacy Services spe- cializes in care management, LINDSEY providing third-person con- 14A | Northern Colorado Business Report www.ncbr.com | March 26-April 8, 2010 Critical path even more critical in down economy

The man who started the world on value and power of defining work Limited resources, unpredictable mar- Will you water the journey to continuous process processes and tracking their perform- kets, constant change and uncertainty down your services improvement was W. Edwards Deming, ance. It was a discipline that everyone are the norm. As we come to grips with and deliver a weaker who also is credited with helping to recognized would produce greater effi- the fact that ever-expanding growth is version of customer rebuild Japan into a manufacturing ciency, and most of us have been not sustainable, perhaps we need to take service? Or will you powerhouse after World War II. through a series of process and quality a hard look at quality and process man- appropriately In his 1993 book, “The New management training over the last agement for direction. downscale your Economics: For Industry, Government decade — Kaizen, True North, Lean Six We could start with one Japanese services to a shiny, and Education,” Deming wrote that Sigma, and Total Quality Management, company that became known for its new nugget of high America was living on fat, a transfor- to name a few of the available systems. quality manufacturing process and cul- performance that mation in management was needed, However, in the 1990s, we were in a ture of continuous improvement — retains your current PRACTICING and only a quality product or service time of abundant resources and the desire Toyota. They are now becoming the customers and cre- INNOVATION would create a sustainable market. His to create discipline was not there. Not poster child for what happens when you ates “sustainable” Shirley Esterly writings form the beginning of our everyone “wasted” the process knowledge, grow too quickly by abandoning prac- growth? Are your journey to systems thinking, innovation of course; franchise businesses live and tices that once produced products syn- processes repeatable and strong customer focus. die based upon repeatable processes. onymous with quality and longevity. and predictable? Can you track the per- As a result of what I call the “quality Why should we care about total During these lean times every organ- formance of processes over time? Are reformation” we became aware of the quality management TQM in 2010? ization must face an exciting challenge. you able to make data-driven decisions? If you answered no to any of these questions, you are not alone. The ability to improve performance and identify our essential services directs us to adopt a system for optimization that enhances performance and inspires people. Focusing on the essential services will help identify waste and allow your Thurs. April 8th organization to reclaim capacity. 7:30am—5pm Define your critical path The overall goal of process manage- Drake Centre, Fort Collins ment is to create work processes that $49 PER PERSON are defined, understood, repeatable and predictable. This can be a simple task of defining the steps in a given process, determining the input and output, and identifying the issues and challenges GIVING BUSINESS that exist. Roles and responsibilities must be clarified and accountability for task completion agreed upon. THE MEANS TO GO GREEN The process will help you define the “critical path” — a project management term that means you know which tasks are required to achieve a milestone in

the shortest amount of time. During uncertain economic times, being environmentally responsible may seem What three steps could you take right now to move your organization toward like a financial impossibility. This year, learn how to make small changes a process management discipline? I First, identify the low-hanging fruit: that will reduce your impact and increase your bottom line. You could make obvious and easy changes that would produce results immediately. Low-hanging fruit is usually found in processes that currently have workarounds and are known to be problematic. Identify and prioritize the issues your organization faces today and there will likely be oppor- HIGHIGHH FIVE F FOROR GGREENREEN SSHREDHRED & tunities for improvement. I Second, seek the advice of individ- GGREENREEN SUCCESUCCESS!SS! EE-RECYCLINGRECYCLING 7 7—9AM 9AM uals from across the spectrum of work. 5 minutes by 15 companies Bring office paper for shredding FREE RECEPTION: 3PM Besuretoincludeeveryonewhotouches the process: managers, financial analysts, who are giants in sustainability and recycling, and electronic Open To The Public customer service, sales, and any other success. Learn actionable steps office equipment for recycling Hosted by: appropriate functions. Each person has and resources you can use to by Waste Not. Sponsored by: a unique perspective on the work and engage employees and build together they will construct a complete picture of the process for producing a your own lean green machine. given service or product. With everyone working together it is easier to identify waste and areas where even small changes can make a big difference. EVENT SPONSORS: I Finally, research and educate your- Event Architect Marketing Sponsor Beyond the Limits Supporting Sponsor Transportation Sponsors Sign Sponsor self on process management. Read a Award Sponsor book, search the Web, but most of all keep it simple. Complexity is your enemy at the start. Don’t fall into the trap of thinking that a more complex approach will Title Sponsor Presenting Sponsor Lunch Sponsor Breakfast Sponsors Shred & Recycle Sponsor Media Sponsor produce better results. If you make it too complicated, you will fail.

Shirley Esterly is a master facilitator and systems thinker who works with clients to build sustainable business prac- SPONSORSHIP AND EXHIBITOR INFORMATION AVAILABLE AT WWW.NCBR.COM tices. She can be reached at sae@quan- Or Call De Dahlgren, NCBR Marketing Director, 970-221-5400 X 202 tumwest.com. March 26-April 8, 2010 | www.businessreportdaily.com Northern Colorado Business Report | 15A Largest Windsor Employers Private sector, ranked by number of employees COMPANY PERSON IN CHARGE PREV ADDRESS EMPLOYEES 2010 REVENUES 2009 E-MAIL TITLE RANK RANK PHONE/FAX EMPLOYEES 2009 REVENUES 2008 TYPE OF BUSINESS WEB SITE YEAR FOUNDED CARESTREAM HEALTH INC. 2000 Howard Smith Ave. West 600 N/A N/A Mike Haas 3 Windsor, CO 80550 650 N/A Medical films. www.carestreamhealth.com Site manager 1 970-304-4600/970-392-3425 2007 VESTAS BLADES AMERICA INC. 11140 Eastman Park Drive 500 N/A Manufactures the blades for wind [email protected] Hans Jespersen 2 Windsor, CO 80550 650 N/A turbines. www.vestas.com 1979 2 970-674-6100/970-686-1103 KODAK COLORADO DIVISION 9952 Eastman Park Drive 400 N/A Consumer and commercial imaging N/A Rob Gray 1 Windsor, CO 80551 700 N/A products. www.kodak.com Site manager 3 970-686-7611 1969 Norm Love OWENS-ILLINOIS INC. (O-I) Dwayne Wendler 11133 Weld County Road 64-3/4 206 N/A Glass container manufacturer. N/A Plant manager 4 5 Windsor, CO 80550 200 N/A www.o-i.com General manager 970-674-3800/419-247-2505 1903 SAFEWAY FOOD & DRUG 1535 Main St. 84 N/A N/A Scott Grimmett NR Windsor, CO 80550 N/A N/A Grocery store. www.safeway.com Division president 5 970-674-1177/970-674-1166 2002 Manufacturer and distributor of wood and UNIVERSAL FOREST PRODUCTS INC. wood-alternative products to retail/ Dick Frazer 15 Walnut St. 80 N/A dealer, site-built construction, concrete, N/A President 6 6 Windsor, CO 80550 113 $75,000,000 manufactured housing and industrial www.ufpi.com 1955 970-686-9651/970-686-9670 markets. TROLLCO INC. (DBA) WATER VALLEY LAND CO. Trollco: Residential, commercial and retail 1625 Pelican Lakes Point, Suite 201 75 B N/A real estate development. Pelican Lakes [email protected] Martin Lind 10 Windsor, CO 80550 65 N/A Golf Course and Fitness Center, and Water www.watervalleyland.com Owner 7 970-686-5828/970-686-2768 Valley. 1990 Frank Ramirez ICE ENERGY LLC Gregory Tropsa 9351 Eastman Park Drive 70 N/A Energy storage solution for peak demand [email protected] CEO 8 12 Windsor, CO 80550 55 N/A reduction for utilities. www.ice-energy.com President 970-545-3630/970-545-3634 2003 AUSTIN'S HOMESTEAD BAR AND GRILL AT Indoor and outdoor meeting and event PELICAN LAKES facilities for small or large groups with Paul Nellis 1600 Pelican Lakes Point 60 $2,000,000 on-site catering. Full-service public [email protected] Events coordinator 9 13 Windsor, CO 80550 50 $2,200,000 restaurant with house-smoked barbecue www.austinshomestead.com 2005 970-674-1100/970-674-1175 and handcarved prime rib. EARTH ENGINEERING CONSULTANTS INC. 4396 Greenfield Drive 20 N/A Geotechnical and construction materials [email protected] Lester L. Litton NR Windsor, CO 80550 30 N/A engineering and testing. www.Earth-Engineering.com President 10 970-545-3908/970-663-0282 1993 RT3 ENTERPRISES LLC 661 Innovation Circle, Unit A 18 $3,687,000 Commercial flooring: carpet, resilient [email protected] Tommy Sporleder NR Windsor, CO 80550 18 $3,534,000 floors, tile, stone / slabs, wood. www.rt3ent.com Managing member, operations 11 970-686-7000/970-674-9215 2004 Independent insurance agency RENAISSANCE INSURANCE GROUP LLC representing numerous A+ rated Jay Helzer 101 E. Main St. 14 N/A insurance carriers. Servicing all lines of [email protected] Ryan Hicks 12 NR Windsor, CO 80550 18 N/A commercial, personal and farm/ranch www.reninsurance.com Managing members 970-674-8825/970-674-8826 insurance. 2001 FIRST NATIONAL BANK 1505 Main St. 9 N/A N/A Jane Sharp NR Windsor, CO 80550 N/A N/A Full-service bank. www.1stnationalbank.com Branch manager 13 970-495-9450 1979 Area surveyed is Windsor. Based upon responses to Business Report survey researched by Noelle Maestas N/A-Not Available. NR-Not Previously Ranked. To be considered for future lists, e-mail [email protected] Packaging Corp. of America ranked #9 in 2009 and would likely have made this years ranking but did not submit before deadline. B Averaged to include seasonal employees.

Square Feet Not all commercial real estate is the same. Guide to Commercial Space in Northern Colorado Directories We help you see the difference...

Commercial real estate can be confusing. At Sperry Van Ness, we bring clarity to the table. s !CHIEVING YOUR OBJECTIVES BY UTILIZING ADVANCED TECHNOLOGY THAT PROVIDES GREATER MARKETING EXPOSURE AND SPEED TO MARKET s %XPECTATION OF INNOVATION SERVICE AND COLLABORATION ALL LEADING THE INDUSTRY STANDARDS s 5NDERSTANDING THE EXTENSIVE RESEARCH ANALYTICS FOR MUTUAL DECISION MAKING s %XPERIENCE RESULTS YOUR DEALS CLOSE FASTER

9OU SEEK KNOWLEDGE SPEED OPPORTUNITIES AND RESULTS /UR UNIQUE ADVISOR ROLE ENCOMPASSES BUYER SELLER INVESTOR Listings of all Commercial Real Estate listings for lease in Northern Colorado, LANDLORD OR TENANT REPRESENTATION GIVING YOU THE OPTIONS AND provided by Exchange Solutions by Xcelligent. Published quarterly. EXPERTISE YOU NEED TO BE SUCCESSFUL We help you see it differently. Available now in print, on-line and on CD-ROM 2020 Caribou Drive 141 S. College Ave. :: Fort Collins, CO 80524-2810 Fort Collins, CO 80525 970.207.0700 970.221.5400 • Fax: 970.221.5432 :: www.NCBR.com www.svn.com 16A | Northern Colorado Business Report www.ncbr.com | March 26-April 8, 2010 March 26-April 8, 2010 | www.businessreportdaily.com Northern Colorado Business Report | 17A

RICHARD/MARTHA BARTLETT TRUST GLENWOOD SPRINGS EUGENE/PATRICIA BARKER This page sponsored by: 29.9 ACRES FORT COLLINS 62 ACRES J&E ENTERPRISES FORT COLLINS GERALD/CHARLENE MORAN 5.12 ACRES FORT COLLINS 8,000 .5 ACRES (APPROX.) AIRPORT SAM G. HAMBLDEN TRUSTEE DONELLA CT. DANIEL/MARGOT LIVINGHOUSE FORT COLLINS FORT COLLINS POUDRE FIRE 2.7 ACRES AUTHORITY .5 ACRES (APPROX.)

RALPH SODERBERG ROBERT KINDSFATER FORT COLLINS FORT COLLINS 1.8 ACRES .56 ACRES (EACH) September — Sunflowers are

STEVE/PETER HYLAND SUM FORT COLLINS DARRELL SKURICH region’s top cash crop accounting M FORT COLLINS 2.38 ACRES IT VIEW May — Eldon James, 25.44 ACRES Dow closes above for 25 percent of total value of Envirotech and New DR. 8,000 for the first VE. STATE OF COLORADO production. Belgium Brewing are EAST LINCOLN A (HWY. PATROL) EAST MULBERRY ST. time, doubling its MULTIM LTD. FORT COLLINS region’s fastest DOYLE/EILEEN DUIN 3.7 ACRES FORT COLLINS value in 30 months. GARY EASTMAN 2.27 ACRES FORT COLLINS ALLEN/JOAN WINTER growing private 4.86 ACRES FORT COLLINS WAREHOUSE CONDOS 1 ACRE (APPROX.) UDRE R PO IV ER MATT WINTER companies. FORT COLLINS JOHN FERRIE .82 ACRES FORT COLLINS 6 ACRES RIVERBEND FARMS February — Home State Bank at FORT COLLINS SUITTES PROPERTY .99 ACRES Illustration by FORT COLLINS December — Symbios Inc. 65 ACRES Mountain Ave. and Mathews St. is RIVERBEND PONDS David Badders, moves its manufacturing ECONOMIC first infill project in downtown Steve Jobs returns to 1997. TIMBERLINE LAKES FORT COLLINS to Colorado Springs, then ROUNDTABLE Fort Collins since Opera Galleria. 109 ACRES 500-year Spring Apple Computer Inc. A Business Report panel discussion on the 1997 its headquarters to economy, with some of the region's Creek Flood does Five days later, most-prominent business leaders HO Denver, after building a FFM AN MILL R OAD $250 million worth Microsoft buys $150 TIMBERLINE LAKE November — Plans for the 115,000-square-foot facility BUSINESS PARK of damage, kills five million share of Apple. weekly Fort Collins Forum in Fort Collins. March— Loveland City N New $50 bill introduced. in Fort Collins. newspaper revealed. January — First NCBR Council votes to retain -7.18%

Economic Forecast pre- HITECH PARTNERSHIP BMC WEST CORP. Downtown Development GREELEY FORT COLLINS dicts slower growth in Fort Collins 1.15 ACRES 6.48 ACRES Authority, with major JACKIE CHISMAR B.M.C. ASSETS INC. October — Dow follows stock GREELEY TIMBERLINE RD. EXTENTION BOISE, ID 1997. adopts its structural changes. .89 ACRES 5.45 ACRES markets around the world and April — John Green’s first Kendall Printing earns PROSPECT RD. comprehensive On the Economy column. first ISO 9200 designa- Larimer County plummets 7.18 percent, to 7,161.15. New City Plan. tion by any printer in June — Timberline Road extended to industrial areas has lost 33,000 York Stock Exchange “circuit Redevelopment July — HSI Health Colorado or Wyoming. near Fort Collins Municipal Airport. acres of farmland breaker” kicks in to stop trading for WorldCom and MCI of the Poudre Plans Inc. merges in the last decade, the first time. The next day, a record 1 Communications River Corridor Cost of commercial with Blue Cross billion shares are traded and the Dow from Mulberry St. Windsor annexes 3,000 while Weld County announce the largest development averages Summit of the Eight and Blue Shield of closes at 7,498.32. and Lemay Ave. More than 20 banks acres east of I-25 and lost 191,000 acres. merger in U.S. history $130/sq. ft., up 62.5 percent held in Denver Colorado. northward to serve Weld County. south of Hwy. 392, within EnviroGen of August — Greeley’s west side, near the — $37 billion — to form for office, 50 percent for College Ave. five miles of Fort Collins’ Berthoud sends new State Farm Insurance building, booms MCI WorldCom. retail, from early 1990s. could include a city limits and up to experiment into Weld County’s as land prices remain low and the city is NCBR supports the hotel/conference Loveland’s borders. space aboard Mir. 10,000 active oil perceived to be easier for developers to Larimer County jail, court- center, amphithe- wells are more than work with than surrounding communities. house and parking-garage atre and high- in Iran and Saudi NCBR opens sales tax increase. Arabia, only smaller. Cheyenne office. rises.” 1997 January February March April May June July August September October November December SOURCE: NCBR ARCHIVES; BUSINESS REPORT RESEARCH With the local unemployment rate dip- you’re overheated.” that the region needed to address what ping below 3 percent at one point during And while long lists of job openings looked to be a long-term problem. the year, simply finding any reasonably are a good thing for applicants, such a “Some economists are predicting that qualified applicants for open positions scenario can be hard on employers and the present labor shortage will last until How NCBR helped create both company and family was hampering business expansion. worrisome for the general economy. the year 2010 or 2020,”Wood wrote. “There’sjustnotalabormarketout “When you get down that low, people The 1997 labor shortage in Northern there,” said Carl Maxey in a story that are jumping back and forth between jobs Colorado even brought about some rare appeared in the August issue of the and employers are paying higher wages cross-community cooperation in trying to On one hand 15 years is a long time, Greeley and Eastman Kodak Co. in that goes into building and sustaining a Business Report. Maxey was lamenting to keep people,” he said. “Wages go up find ways to cope with it. A story in the and on the other, it is the blink of an Windsor were bemoaning a labor short- successful business. the fact that his Fort Collins-based man- and people buy more stuff and we get November issue of the Business Report said eye. age. At Starpak, officials worried about I can only guess at what the next ufacturing company was turning down inflation.” four Front Range communities — Fort Fifteen years ago, I was living in both the quality and quantity of appli- five, 10 or 15 years will bring to the production jobs because of a lack of In a time of so many unfilled jobs Collins, Loveland, Greeley and Longmont Boulder County with a remarkable hus- cants. And human resource officials at Northern Colorado Business Report and workers to hire. throughout the nation, welfare reform — were banding together to address the band, a one-year-old son, and pregnant Kodak were struggling to fill entry-level the amazing region in which we all live. Ann Garrison, an associate professor advocates under the Clinton administra- shortage and had commissioned a Denver with our daughter. Chris and I had positions. How times change. I do know that here, 15 years later, I of economic at the University of tion were looking to take advantage of firm to study the region’s strengths, weak- worked hard with our partners Jeff and Elsewhere, Fleetside Pub and am living in Weld County and still have Northern Colorado, predicted in the the situation and put welfare recipients nesses and educational needs. Kathy Nuttall to launch a comprehen- Brewing had recently opened in down- a remarkable husband. I have two Business Report’s January issue that a to work in 1997. Colorado and other While Northern Colorado’s overall sive business media company that town Greeley. I remember going there amazing children — now in high school What’s up next “labor crunch” seen in 1996 was expect- states responded to the challenge by unemployment rate finished 1997 at would chronicle the explosive growth for my 30th birthday, and being disap- THEN…AND NOW and middle school — who have had the ed to continue in 1997. “Throughout channeling welfare recipients toward a 3.45 percent — the national rate was 4.7 and ups-and-downs of Northern pointed a few years later when it closed. Carol Wood utter privilege of being raised and edu- April 9 1998 Commercial Growth Northern Colorado, there are shortages vast array of open positions, but some percent — more good times still lay in Colorado. As I glance through the bylines, sto- cated in a region that is unparalled. And April 23 1999 Tech Bust of labor,”Garrison said.“The service sec- resistance was still mounted by some store for the next few years as it sank to In that very first issue of the ries and employee roster, I am pulled I am grateful to all of those who helped May 7 2000 Ag Challenges tor has grown so very rapidly that the business groups. 3.27 percent in 1999 and hit an almost Northern Colorado Business Report,I back to those times. We were young, zations. After a few years with us, she and supported us along the way, wel- May 21 2001 Transportation demand is over the supply.” Sandra Hagen Potter, spokeswoman unthinkable low of 2.56 percent in 2000, was writing about a 75-room Hampton perhaps foolish to jump into a market continued her career at the Denver Post. coming us and our business to June 4 2002 Security for the Northern Colorado Legislative more than a full percent lower than the Inn being planned for what is now a where three other business publications Veteran graphic artists Deanna Estes Northern Colorado. Unemployment since tripled June 18 2003 Health Care Competition Alliance then and today as Sandra Hagen rest of the country. jam-packed Harmony corridor in Fort were launching simultaneously. But we and David Badders rounded out the It indeed has been quite the blink of July 2 2004 Brewing Today, the employment picture in Solin, said in 1997’s job-rich economy that But the unbridled optimism of the Collins. The University Mall on South also had utter confidence in our prod- first production department. Deanna an eye. July 16 2005 Icons/10 Years Northern Colorado looks dramatically business should not be expected to create late 1990s and early 2000s was not to last, College Avenue was about to get a uct and believed the Northern Colorado still designs in Northern Colorado, and July 30 2006 Education/Tech Transfer different. In March 2010, the region’s jobs for welfare recipients. The NCLA rep- of course. Another mini-recession struck facelift and new tenants. And Carrabba’s market would recognize a solid, news- David in the Northwest. And occasion- Carol Wood is a co-founder of the Aug. 13 2007 New Energy Economy unemployment has soared to more than resents business interests in the region. following the terrorist attacks of 2001 Italian Grill was poised to open near the driven publication. ally I still see our first office manager, Jo Northern Colorado Business Report. Aug. 27 2008 Meltdown 8 percent — still lower than the 10 per- “Government cannot mandate job and, after recovering in 2006 and 2007, new Courtyard by Marriott on the Ann Drago. Sept. 10 2009 New Frontier cent national level but almost three creation,”Solin said in a January Business the bottom fell out again in late 2008, Harmony corridor. Taking the plunge The staff of the Northern Colorado Sept. 24 2010 Recovery times higher than in 1997. Report story. “We can train all of these this time due to the implosion of under- The outlet mall in Loveland was con- As for that first staff, there were six Business Report always has been remark- Oct. 8 Where we go from here Local economist John Green said low people on welfare, require them to work, regulated financial markets and high- tinuing to attract new tenants. And besides Chris, Jeff and myself. I remem- able. Over the years, I spent time in our unemployment is obviously better than but if the jobs are not available then we risk home loans. Group Publishing was planning a ber admiring the plunge they chose to editorial, research and sales depart- Previously published anniversary stories: high unemployment for a region’s eco- have accomplished nothing.” High unemployment remains the 70,000-square-foot facility in west take with us. And I am proud that many ments. I cherished every individual with NoCo on the Net 1995 nomic health. “If good times continue main obstacle to an economic recovery Loveland. A health and tennis club of us stay in touch, even if these days whom I got to work, from those depart- forever, all the overbuilding to meet that Oh, hindsight in 2010, and many economists are pre- called Miramont Sports Center was that means on Facebook or occasionally ments to our event and administrative Read this story and view the timeline at low unemployment level does no harm,” But too many jobs and not enough dicting a slow but gradual lowering of beginning to take shape in south Fort running into one another at a business staff, the production and IT depart- www.NCBR.com. he said. “But when the unemployment workers continued to be the theme the unemployment rate as the year Collins. event. ments. Some have been there for years FROM THE ARCHIVES rate approaches 10 percent, there’s no throughout 1997. The Business Report did unfolds. Long-ignored towns such as There was Mark Bradley, one of our now. We became a broader family, If you have any suggestions for other topics, or if houses being built and stores close down.” a special report in August that included a Still, Green said employment’s rise Severance, Johnstown, Milliken, first sales staff, who went on to a career watching one another raise families, Find stories written by Carol Wood in the Northern Colorado Business Report archives your company or organization is celebrating an However, Green noted that an story on Fort Collins-based Advanced and fall should be no surprise when it Platteville, Fort Lupton and even our in commercial real estate and Joe horses and dogs, and sharing joys and at ncbr.com. anniversary this year, let us know at extremely low unemployment rate, as Energy considering busing workers in comes to the ever-swinging economic Eaton were seeing skyrocketing building Mivshek who we had worked with at tragedies alike. www.ncbr.com, or e-mail editor Kate Hawthorne that seen in 1997, also has an economic from Wyoming to help fill more than 100 pendulum. permits as developers flocked to plot the Denver Business Journal. Dana Over the years we have developed at [email protected]. We look forward to downside. “Five percent unemployment open manufacturing positions. “It’s a normal economic kind of new subdivisions and accommodate Coffield was our first staff writer. I had deep friendships in the business com- hearing from you! is generally considered full employ- And Editor Christopher Wood thing,” he said. “That’s a normal kind of population growth. known her for years as we often ended munity and have come to appreciate ment,” he said.“Anything under that says opined in an editorial in the same issue up-and-down swing.” Businesses like Starpak Inc. in up reporting for the same news organi- and respect the incredibly hard work 16A | Northern Colorado Business Report www.ncbr.com | March 26-April 8, 2010 March 26-April 8, 2010 | www.businessreportdaily.com Northern Colorado Business Report | 17A

RALPH SODERBERG ROBERT KINDSFATER FORT COLLINS FORT COLLINS 1.8 ACRES .56 ACRES (EACH) September — Sunflowers are

Economic Forecast pre- HITECH PARTNERSHIP BMC WEST CORP. Downtown Development GREELEY FORT COLLINS dicts slower growth in Fort Collins 1.15 ACRES 6.48 ACRES Authority, with major JACKIE CHISMAR B.M.C. ASSETS INC. October — Dow follows stock GREELEY TIMBERLINE RD. EXTENTION BOISE, ID 1997. adopts its structural changes. .89 ACRES 5.45 ACRES markets around the world and April — John Green’s first Kendall Printing earns PROSPECT RD. comprehensive On the Economy column. first ISO 9200 designa- Larimer County plummets 7.18 percent, to 7,161.15. New City Plan. tion by any printer in June — Timberline Road extended to industrial areas has lost 33,000 York Stock Exchange “circuit Redevelopment July — HSI Health Colorado or Wyoming. near Fort Collins Municipal Airport. acres of farmland breaker” kicks in to stop trading for WorldCom and MCI of the Poudre Plans Inc. merges in the last decade, the first time. The next day, a record 1 Communications River Corridor Cost of commercial with Blue Cross billion shares are traded and the Dow from Mulberry St. Windsor annexes 3,000 while Weld County announce the largest development averages Summit of the Eight and Blue Shield of closes at 7,498.32. and Lemay Ave. More than 20 banks acres east of I-25 and lost 191,000 acres. merger in U.S. history $130/sq. ft., up 62.5 percent held in Denver Colorado. northward to serve Weld County. south of Hwy. 392, within EnviroGen of August — Greeley’s west side, near the — $37 billion — to form for office, 50 percent for College Ave. five miles of Fort Collins’ Berthoud sends new State Farm Insurance building, booms MCI WorldCom. retail, from early 1990s. could include a city limits and up to experiment into Weld County’s as land prices remain low and the city is NCBR supports the hotel/conference Loveland’s borders. space aboard Mir. 10,000 active oil perceived to be easier for developers to Larimer County jail, court- center, amphithe- wells are more than work with than surrounding communities. house and parking-garage atre and high- in Iran and Saudi NCBR opens sales tax increase. Arabia, only smaller. Cheyenne office. rises.” 1997 January February March April May June July August September October November December SOURCE: NCBR ARCHIVES; BUSINESS REPORT RESEARCH With the local unemployment rate dip- you’re overheated.” that the region needed to address what ping below 3 percent at one point during And while long lists of job openings looked to be a long-term problem. the year, simply finding any reasonably are a good thing for applicants, such a “Some economists are predicting that qualified applicants for open positions scenario can be hard on employers and the present labor shortage will last until How NCBR helped create both company and family was hampering business expansion. worrisome for the general economy. the year 2010 or 2020,”Wood wrote. “There’sjustnotalabormarketout “When you get down that low, people The 1997 labor shortage in Northern there,” said Carl Maxey in a story that are jumping back and forth between jobs Colorado even brought about some rare appeared in the August issue of the and employers are paying higher wages cross-community cooperation in trying to On one hand 15 years is a long time, Greeley and Eastman Kodak Co. in that goes into building and sustaining a Business Report. Maxey was lamenting to keep people,” he said. “Wages go up find ways to cope with it. A story in the and on the other, it is the blink of an Windsor were bemoaning a labor short- successful business. the fact that his Fort Collins-based man- and people buy more stuff and we get November issue of the Business Report said eye. age. At Starpak, officials worried about I can only guess at what the next ufacturing company was turning down inflation.” four Front Range communities — Fort Fifteen years ago, I was living in both the quality and quantity of appli- five, 10 or 15 years will bring to the production jobs because of a lack of In a time of so many unfilled jobs Collins, Loveland, Greeley and Longmont Boulder County with a remarkable hus- cants. And human resource officials at Northern Colorado Business Report and workers to hire. throughout the nation, welfare reform — were banding together to address the band, a one-year-old son, and pregnant Kodak were struggling to fill entry-level the amazing region in which we all live. Ann Garrison, an associate professor advocates under the Clinton administra- shortage and had commissioned a Denver with our daughter. Chris and I had positions. How times change. I do know that here, 15 years later, I of economic at the University of tion were looking to take advantage of firm to study the region’s strengths, weak- worked hard with our partners Jeff and Elsewhere, Fleetside Pub and am living in Weld County and still have Northern Colorado, predicted in the the situation and put welfare recipients nesses and educational needs. Kathy Nuttall to launch a comprehen- Brewing had recently opened in down- a remarkable husband. I have two Business Report’s January issue that a to work in 1997. Colorado and other While Northern Colorado’s overall sive business media company that town Greeley. I remember going there amazing children — now in high school What’s up next “labor crunch” seen in 1996 was expect- states responded to the challenge by unemployment rate finished 1997 at would chronicle the explosive growth for my 30th birthday, and being disap- THEN…AND NOW and middle school — who have had the ed to continue in 1997. “Throughout channeling welfare recipients toward a 3.45 percent — the national rate was 4.7 and ups-and-downs of Northern pointed a few years later when it closed. Carol Wood utter privilege of being raised and edu- April 9 1998 Commercial Growth Northern Colorado, there are shortages vast array of open positions, but some percent — more good times still lay in Colorado. As I glance through the bylines, sto- cated in a region that is unparalled. And April 23 1999 Tech Bust of labor,”Garrison said.“The service sec- resistance was still mounted by some store for the next few years as it sank to In that very first issue of the ries and employee roster, I am pulled I am grateful to all of those who helped May 7 2000 Ag Challenges tor has grown so very rapidly that the business groups. 3.27 percent in 1999 and hit an almost Northern Colorado Business Report,I back to those times. We were young, zations. After a few years with us, she and supported us along the way, wel- May 21 2001 Transportation demand is over the supply.” Sandra Hagen Potter, spokeswoman unthinkable low of 2.56 percent in 2000, was writing about a 75-room Hampton perhaps foolish to jump into a market continued her career at the Denver Post. coming us and our business to June 4 2002 Security for the Northern Colorado Legislative more than a full percent lower than the Inn being planned for what is now a where three other business publications Veteran graphic artists Deanna Estes Northern Colorado. Unemployment since tripled June 18 2003 Health Care Competition Alliance then and today as Sandra Hagen rest of the country. jam-packed Harmony corridor in Fort were launching simultaneously. But we and David Badders rounded out the It indeed has been quite the blink of July 2 2004 Brewing Today, the employment picture in Solin, said in 1997’s job-rich economy that But the unbridled optimism of the Collins. The University Mall on South also had utter confidence in our prod- first production department. Deanna an eye. July 16 2005 Icons/10 Years Northern Colorado looks dramatically business should not be expected to create late 1990s and early 2000s was not to last, College Avenue was about to get a uct and believed the Northern Colorado still designs in Northern Colorado, and July 30 2006 Education/Tech Transfer different. In March 2010, the region’s jobs for welfare recipients. The NCLA rep- of course. Another mini-recession struck facelift and new tenants. And Carrabba’s market would recognize a solid, news- David in the Northwest. And occasion- Carol Wood is a co-founder of the Aug. 13 2007 New Energy Economy unemployment has soared to more than resents business interests in the region. following the terrorist attacks of 2001 Italian Grill was poised to open near the driven publication. ally I still see our first office manager, Jo Northern Colorado Business Report. Aug. 27 2008 Meltdown 8 percent — still lower than the 10 per- “Government cannot mandate job and, after recovering in 2006 and 2007, new Courtyard by Marriott on the Ann Drago. Sept. 10 2009 New Frontier cent national level but almost three creation,”Solin said in a January Business the bottom fell out again in late 2008, Harmony corridor. Taking the plunge The staff of the Northern Colorado Sept. 24 2010 Recovery times higher than in 1997. Report story. “We can train all of these this time due to the implosion of under- The outlet mall in Loveland was con- As for that first staff, there were six Business Report always has been remark- Oct. 8 Where we go from here Local economist John Green said low people on welfare, require them to work, regulated financial markets and high- tinuing to attract new tenants. And besides Chris, Jeff and myself. I remem- able. Over the years, I spent time in our unemployment is obviously better than but if the jobs are not available then we risk home loans. Group Publishing was planning a ber admiring the plunge they chose to editorial, research and sales depart- Previously published anniversary stories: high unemployment for a region’s eco- have accomplished nothing.” High unemployment remains the 70,000-square-foot facility in west take with us. And I am proud that many ments. I cherished every individual with NoCo on the Net 1995 nomic health. “If good times continue main obstacle to an economic recovery Loveland. A health and tennis club of us stay in touch, even if these days whom I got to work, from those depart- forever, all the overbuilding to meet that Oh, hindsight in 2010, and many economists are pre- called Miramont Sports Center was that means on Facebook or occasionally ments to our event and administrative Read this story and view the timeline at low unemployment level does no harm,” But too many jobs and not enough dicting a slow but gradual lowering of beginning to take shape in south Fort running into one another at a business staff, the production and IT depart- www.NCBR.com. he said. “But when the unemployment workers continued to be the theme the unemployment rate as the year Collins. event. ments. Some have been there for years FROM THE ARCHIVES rate approaches 10 percent, there’s no throughout 1997. The Business Report did unfolds. Long-ignored towns such as There was Mark Bradley, one of our now. We became a broader family, If you have any suggestions for other topics, or if houses being built and stores close down.” a special report in August that included a Still, Green said employment’s rise Severance, Johnstown, Milliken, first sales staff, who went on to a career watching one another raise families, Find stories written by Carol Wood in the Northern Colorado Business Report archives your company or organization is celebrating an However, Green noted that an story on Fort Collins-based Advanced and fall should be no surprise when it Platteville, Fort Lupton and even our in commercial real estate and Joe horses and dogs, and sharing joys and at ncbr.com. anniversary this year, let us know at extremely low unemployment rate, as Energy considering busing workers in comes to the ever-swinging economic Eaton were seeing skyrocketing building Mivshek who we had worked with at tragedies alike. www.ncbr.com, or e-mail editor Kate Hawthorne that seen in 1997, also has an economic from Wyoming to help fill more than 100 pendulum. permits as developers flocked to plot the Denver Business Journal. Dana Over the years we have developed at [email protected]. We look forward to downside. “Five percent unemployment open manufacturing positions. “It’s a normal economic kind of new subdivisions and accommodate Coffield was our first staff writer. I had deep friendships in the business com- hearing from you! is generally considered full employ- And Editor Christopher Wood thing,” he said. “That’s a normal kind of population growth. known her for years as we often ended munity and have come to appreciate ment,” he said.“Anything under that says opined in an editorial in the same issue up-and-down swing.” Businesses like Starpak Inc. in up reporting for the same news organi- and respect the incredibly hard work 18A | Northern Colorado Business Report www.ncbr.com | March 26-April 8, 2010 INDEX OF LEADING ECONOMIC INDICATORS NoCo economy hit bottom in November Region looks while Growth Index November 2009 set the bottom; the Index should nation could face steadily increase over the next two years. 450 double-dip recession 400 350 Cheyenne The Northern Colorado Business 300 Report Index of Leading Indicators was 250 may be the positive in November and December, 200 the first positive numbers since 150 State Capital, December 2007. 100

but that’s But January saw a Index (1991=100) 50 big jump in bank- 0 not all ruptcies, pulling 1991 2011 1997 1993 1995 1999 2001 2007 2003 2005 Cheyenne means Business the annual growth 2009 rate back into Systems and Abound Solar are still • A major transportation hub • EmployeeTraining: negative territory. • Supportive Business Climate Including IST doing well and should expand; the I do think that health-care industry will have more • Favorable tax structure • Robust telecom and data November was the • Among the lowest operating capacity clients as the baby boomers retire; the costs in the Nation low point of the summer tourist season is almost upon current recession ECONOMIC us and several Weld County communi- in Northern Find out what many industry leaders have INDICATORS ties are partially waiving building fees Colorado. to stimulate residential housing con- already discovered in Cheyenne, Wyoming John W. Green, Ph.D. Monthly changes struction. Homes under $280,000 are One Depot Square in the growth rate Regional Economist 121 W. 15th St., Suite 304 www.cheyenneleads.org selling; there is less than a 90-day sup- P.O. Box 1045 in Northern Cheyenne, WY 82003-1045 (800) 255-0742 ply on the market. Colorado should be mostly positive in 2010. Thus, the Index of Economic Construction Growth for Northern Colorado proba- The total value of construction being bly bottomed in November 2009 and put in place is picking up, boosted by will turn up in 2010. last year’s stimulus act and residential I still think the U.S. recession bot- building incentives. The harsher than tomed in August 2009 but I also think usual winter is behind us and weather- the national economy could experience delayed projects are under way. More a double-dip recession. I think the housing permits are being pulled probability is 60 percent that the down- because of community building incen- turn will occur near the end of the year. tives and stronger-than-expected The stock market indices should begin demand at the lower end of the real to forecast this dip within the next few estate market. Credit availability is also months; if they don’t, it probably won’t loosening as banks make improvements occur. to their balance sheets and satisfy bank Consumer sentiment is still mostly examiners. negative and, thus, consumer spending won’t increase significantly, although it Motor vehicle registrations should begin to slowly increase. Motor vehicle registrations have Northern Colorado won’t be seriously been weak since late 2008. The trend affected by any weakening in the U.S. line on this data series has turned down economic growth rate. for the first time since at least 1990. Employment Fewer motor vehicles on the roads of Northern Colorado have significant Employment data is being revised impacts on the businesses that support downward by the state. The loss of their operation — gas stations, repair employment in Northern Colorado shops, parts suppliers and the like. I was more serious than previous data estimate that motor vehicle activities indicated. The unemployment rate are down at least 6 percent from their willjumpupbutwillstillbebelow peak in mid-2008. the national rate. The revisions will go back to 2005, but the process is not Retail complete as I write this; I have includ- The last half of 2009 was very diffi- ed 2008 and 2010 revisions. All revi- cult for businesses selling to consumers sions will be reflected in Northern in Northern Colorado. Retail entrepre- Colorado Economic Indicators for neurs and businesses have had a very July as well as in the next issue of the pessimistic attitude for the last several Northern Colorado Economic Report months. The result is that fewer new when it becomes available in late and renewed sales tax accounts are April. being issued by the state and, thus, A weaker than expected employment storefronts are closing. picture is not good news for Northern December Christmas sales were Colorado but the outlook for employ- about 7 percent lower than in 2007 and ment gains is still bright. The alterna- 2008 but still well above 2006 levels. As tive energy industry should do some See INDICATORS, 19A hiring; Leprino Foods, Vestas Wind March 26-April 8, 2010 | www.businessreportdaily.com Northern Colorado Business Report | 19A KEY These economic indicators are NCBR provided by NCBR economist John Green. Historic Forecast Trend Reports annual growth rate of the Northern sion and that we should soon start see- INDICATORS, from 18A Colorado economy into negative terri- ing employment gains and increases in tory. I expect this was a catch-up other indicators of economic activity. more jobs are filled in Northern process from relaxed foreclosure Even if growth in the U.S. economy Colorado, I expect a steady retail recov- enforcements in November and slows later in the year, I don’t think ery. Retail sales in the region hadn’t pre- December. While I do not expect bank- Northern Colorado will be seriously viously declined since at least the 1980s ruptcies to decrease in 2010, I don’t affected. Every Tuesday but it appears that the local economy is think future increases will be as large as 10:00 p.m. through this demand recession. in January. John W. Green is a regional economist Watch NCBR who compiles the Northern Colorado on NoCo 5 TV Bankruptcies So, in summary, Dr. Doom is fore- Business Report’s Index of Leading www.noco5.com The number of bankruptcies filed in casting that the Northern Colorado Economic Indicators. He can be reached January took a big jump, pulling the economy is through the 2008-09 reces- at [email protected]. Kristin Tatti — NCBR Reporter Single-family permits Unemployment rate Total construction value More permits issued as spring approaches. We have set Unemployment is being revised upward by the state. We are seeing some activity in the residential a bottom for this recession and housing slump. 2008 and 2010 revisions are included. construction sector; 2010 will be better than 2009. 8 800 300 700 7 Wednesdays 250 600 6 5:30 and 7:30 a.m. 500 5 200 Listen to NCBR on 4 400 150 KUNC Radio 300 3 www.kunc.org Percent 2 100 No. issued 200 1 Millions of dollars NCBR Publisher — Jeff Nuttall 100 50 0 0 0 1991 2011 1997 1993 1995 1999 2001 2007 1991 2003 2005 2009 1991 2011 1997 1987 1993 1995 1999 1989 2001 1997 1993 1995 1999 1989 2001 2007 2003 2005 2009 2007 2003 2005 2009 Business New sales-tax accounts Retail sales Report Daily We have bottomed with some slight improvement. December Christmas sales were below 2007 and Entrepreneurs and retail are in a holding pattern. 2008 but well above 2006 levels. Read NCBR at 800 1,800 your desk or 700 1,600 laptop. 1,400 600 1,200 Subscribe at 500 1,000 www.NCBR.com 400 800 300 600 No. issued 200 400 100 200

0 Millions of dollars 0 1991 2011 1991 2011 1997 1987 1993 1995 1999 1989 2001 1997 1993 1995 1999 2001 2007 2003 2005 2009 2007 2003 2005 2009 Bi-weekly Take NCBR with Growth in the region Single-family permit value you in print Annual growth was positive but January was very We’ve set a bottom for this recession; 2010 will be Subscribe at better than 2009. weak because of a huge increase in bankruptcies. www.NCBR.com 80 160 60 140 40 120 20 100 0 80 -20 60 -40 40 -60 Millions of dollars Average/Annual monthly growth 20 -80 0 Quarterly 2011 1997 1993 1995 1999 2001 In the Economic Report 1991 2011 2007 2003 2005 2009 1997 1993 1995 1999 1989 2001 2007 2003 2005 2009 Get it on disk Motor-vehicle registrations Bankruptcies Subscribe at www.NCBR.com The trend line turned down indicating a contraction in the Bankruptcies will continue to increase until the number of registration in Northern Colorado. recession ends and home foreclosures diminish.

70 1400 60 1200 50 1000 40 800 30 600 20 400 10 200 When and where you are Read it online 0 Number of new bankruptcies 0

No. of registrations (thousands) www.NCBR.com 1991 2011 1991 2011 1997 1993 1995 1999 2001 1997 1993 1995 1999 2001 2007 2003 2005 2009 2007 2003 2005 2009 20A |Northern Colorado Business Report www.ncbr.com |March 26-April 8, 2010 Largest Chambers of Commerce Ranked by no. of members

CHAMBER PREV ADDRESS NO. OF MEMBERS 2010 NO. OF EMPLOYEES BASE ANNUAL DUES REVENUES 2009 E-MAIL PERSON IN CHARGE W/ TITLE RANK RANK OFFICE PHONE/OFFICE FAX NO. OF MEMBERS 2009 NO. BOARD MEMBERS $ REVENUES 2008 WEB SITE YEAR FOUNDED FORT COLLINS AREA CHAMBER OF COMMERCE 225 S. Meldrum St. 1,100 9 N/A [email protected] David May, President, CEO 1 Fort Collins, CO 80521 1,200 26 $450 N/A www.fcchamber.com 1904 1 970-482-3746/970-482-3774 GREELEY CHAMBER OF COMMERCE/ VISITORS BUREAU 902 Seventh Ave. 736 6 $400 N/A [email protected] Sarah MacQuiddy, President 2 2 Greeley, CO 80631 750 30 N/A www.greeleychamber.com 1919 970-352-3566/970-352-3572 LOVELAND CHAMBER OF COMMERCE & VISITORS CENTER 5400 Stone Creek Circle 628 5 $385 $521,861 [email protected] Brian Willms, President & CEO 3 3 Loveland, CO 80538 680 15 $606,115 www.loveland.org 1902 970-667-6311/800-258-1278/970-667-5211 WINDSOR CHAMBER OF COMMERCE 421 Main St. 400 N/A $150,000 [email protected] Michal Connors, Executive director 4 Windsor, CO 80550 410 9 $195 $150,000 www.windsorchamber.net 1902 4 970-686-7189/970-686-0352 CARBON VALLEY CHAMBER OF COMMERCE 8308 Colorado Blvd., Suite 203 252 1 N/A [email protected] Les Meyer, President 7 Firestone, CO 80520 280 9 N/A N/A www.carbonvalleychamber.com 1986 5 303-833-5933/303-833-0335 EVANS AREA CHAMBER OF COMMERCE 3700 Golden St. 250 2 $60,000 [email protected] Michele Jones, Executive director 6 Evans, CO 80620 300 11 $125 $60,000 www.evanschamber.org 1984 6 970-330-4204/970-506-2726 ERIE CHAMBER OF COMMERCE 235 Wells St., P.O. Box 97 200 2 $145,000 [email protected] Elle Cabbage, Executive director 8 Erie, CO 80516 225 10 $225 $180,000 www.eriechamber.org 1995 7 303-828-3440/303-828-3330 JOHNSTOWN/MILLIKEN CHAMBER OF COMMERCE 112 E. S. First St., P.O. Box 501 190 2 N/A [email protected] Terry Eady, President 9 Johnstown, CO 80534 190 11 $175 N/A www.johnstownmillikenchamber.com 1975 8 970-587-7042/970-587-8703 BERTHOUD AREA CHAMBER OF COMMERCE 344 Mountain Ave. P.O. Box 1709 176 1 N/A [email protected] Don Dana, Executive director 10 Berthoud, CO 80513 180 9 N/A N/A www.berthoudcolorado.com 1907 9 970-532-4200/970-532-7690 FORT LUPTON CHAMBER OF COMMERCE 321 Denver Ave. 100 N/A N/A [email protected] Sheryl Johnke 11 Fort Lupton, CO 80621 92 10 N/A N/A www.fortluptonchamber.org 1948 10 303-857-4474 WELLINGTON CHAMBER OF COMMERCE P.O. Box 1500 92 N/A N/A [email protected] Mary McCaffrey, Chair 12 Wellington, CO 80549 80 11 $150 N/A www.wellingtoncoloradochamber.net 2006 11 970-568-4133 SOUTH CENTRAL WELD CHAMBER OF COMMERCE P.O. Box 606 60 1 N/A [email protected] Maria Foster, Director/President NR Platteville, CO 80651 65 7 $80 N/A www.southcentralweldchamber.com 2006 12 970-324-3111/970-785-6155 KERSEY AREA CHAMBER OF COMMERCE P.O. Box 397 25 0 N/A [email protected] Sandie Cantrell, President NR Kersey, CO 80644 25 4 $50 N/A www.kerseycolorado.com 1975 13 970-304-6171 Region surveyed is Larimer and Weld counties, and Brighton. Based upon responses to Business Report survey researched by Noelle Maestas N/A-Not Available To be considered for future lists, e-mail [email protected] NR-Not Previously Ranked Eaton and Greater Brighton Chambers did not respond before deadline. Estes Park Chamber is no longer in business.

Rope in FOR SALE

the news& Keith Urban Greeley 5002 Northern Lights Drive, #D Stampede Fort Collins, CO tickets $180,000 to Joe Nichols boot

Gloriana

The Greeley Stampede has partnered with the • Spacious home with lots ofnatural light overlooking pool in Morningside Village. Northern Colorado Business Report to provide • 10-foot high ceilings, rounded corners, gas fireplace, art niche, painted trim, ceiling fans, A/C & 5-piece master bath. you with an opportunity to receive the region’s best • Kitchen features almond appliances including radiant range top, refrigerator (freezer business coverage and see this year’s most entertaining bottom) and microwave, maple cabinets, eating bar plus very spacious dining room. Craig Morgan acts at highly discounted rate. • Mountain views from balcony and master bedroom. • Oversized laundry room/walk-in pantry. • Attached tandem 2-car garage • Easy access to I-25 plus shopping and dining at Front Range Village. 3 Year Subscription to NCBR – 2 Keith Urban tickets (limit 5) To view a virtual tour, please visit 2 Year Subscription to NCBR – 2 Nichols and Morgan tickets (limit 5) www.coloproperty.com MLS# 622169 1 Year Subscription to NCBR – 2 Gloriana Tickets (limit 10) To order your subscription, go to www.NCBR.com and click Subscribe. Information is from sources assumed to be reliable. It is not guaranteed. Distance and measurements are approximate and subject to correction. 03-10-10 March 26-April 8, 2010 | www.businessreportdaily.com Northern Colorado Business Report | 21A Largest Greeley & Evans Employers Private sector, ranked by no. of employees

COMPANY PERSON IN CHARGE ADDRESS TOTAL EMPLOYEES 2010 REVENUES 2009 E-MAIL TITLE OF PERSON IN CHARGE RANK PREV RANK PHONE/FAX TOTAL EMPLOYEES 2009 REVENUES 2008 TYPE OF BUSINESS WEB SITE YEAR FOUNDED

JBS 1770 Promontory Circle 4,500 $2,900,500,000 Fresh, value-added and further- [email protected] Wesley Batista 1 Greeley, CO 80634 4,212 $2,804,293,000 B processed beef, pork and lamb. www.jbssa.com CEO 1 970-506-8000 1953 BANNER HEALTH WESTERN REGION - NORTHERN COLORADO Health-care services including McKee Jim Ferando 1801 16th St. 4,200 N/A Medical Center, North Colorado Medical N/A President 2 2 Greeley, CO 80631 4,100 N/A Center, home-health care and www.bannerhealth.com 1995 970-352-4121 physicians' clinics. Jerry L. Morgensen HENSEL PHELPS CONSTRUCTION CO. Jeffrey K. Wenaas 420 Sixth Ave. 2,247 $3,024,757,000 General contracting and construction. [email protected] Chairman and CEO 3 3 Greeley, CO 80632 2,964 $3,337,000,000 www.henselphelps.com President & COO 970-352-6565/970-352-9311 1937 STATE FARM INSURANCE CO. Auto, home, life, health, business 1555 Promontory Circle 1,350 N/A insurance and banking. Agents N/A Dave Gonzales Sr. 4 Greeley, CO 80638 N/A N/A available throughout Larimer and Weld www.statefarm.com Senior vice president 4 970-395-5000/970-395-5424 counties. 1922

WAL-MART SUPERCENTER STORE, NO. 5051 920 47th Ave. 425 C N/A N/A Rick Krehbeil 6 Greeley, CO 80634 450 N/A Retail grocery and discount store. www.walmart.com Manager 5 970-353-4231/970-353-8372 1962

WAL-MART SUPERCENTER STORE, NO. 980 3103 23rd Ave. 410 N/A N/A Brett Pollard 7 Greeley, CO 80631 410 N/A Retail merchandise, food. www.walmartstores.com Manager 6 970-330-1452 1962 Troy J. Simons GREELEY MEDICAL CLINIC PC Daniel R. Zenk 1900 16th St. 350 N/A Health care. N/A CEO 7 NR Greeley, CO 80631 370 N/A www.GreeleyMedClinic.com Board president 970-353-1551/970-392-4740 1933 CROP PRODUCTION SERVICES Agricultural crop-protection chemicals, 7251 W. Fourth St. 340 N/A adjuvant, plant nutrition products, N/A Richard Gearheard 8 Greeley, CO 80634 300 $10,268,000,000 seed, seed treatments, inoculates, www.cropproductionservices.com 1978 8 970-356-4400/970-347-1560 fertilizer.

GOOD SAMARITAN SOCIETY - BONELL COMMUNITY Rehab, transportation, skilled nursing, 708 22nd St. 315 N/A Alzheimer's care, assisted living, long- [email protected] Shareen K. Anderson 9 Greeley, CO 80631 315 N/A term care, independent living, www.good-sam.com Executive director 9 970-352-6082/970-356-7970 Medicare and Medicaid certified. 1937

NORTH RANGE BEHAVIORAL HEALTH 1300 N. 17th Ave. 247 $18,200,000 Comprehensive community mental N/A Wayne A. Maxwell 11 Greeley, CO 80631 309 $16,300,000 health and substance abuse disorder www.northrange.org Executive director 10 970-347-2120/970-347-9800 treatment center for Weld County. 1972

ASURION 3001 Eighth Ave., Suite 200 174 N/A Administers programs that provide [email protected] Al Gonzales 10 Evans, CO 80620 308 N/A protection for consumer purchases www.asurion.com Site director 11 970-515-1000/970-515-1500 and payments. 1997

MEADOW GOLD DAIRY 450 25th St. 145 N/A Dairy products: milk, cottage cheese, [email protected] John Guerin 18 Greeley, CO 80631 140 N/A sour cream, juices, ice cream mix. www.deanfoods.com General manager 12 970-352-7860/970-352-0174 1937 ENVISION CREATIVE SUPPORT FOR PEOPLE WITH Nonprofit; provides creative support DEVELOPMENTAL DISABILITIES from birth to death; aids individuals Mary Lu Walton 1050 37th St., 131 $9,285,056 with developmental disabilities; helps [email protected] Executive director 13 14 Evans, CO 80620 145 $8,467,300 their families manage financial and www.envisionco.org 1964 970-339-5360/970-330-2261 emotional demands. FLOOD & PETERSON INSURANCE INC. Commercial insurance (small to large 4687 W. 18th St. 120 N/A companies), employee benefits, health [email protected] Chris Richmond NR Greeley, CO 80634 120 N/A insurance, personal insurance, life www.fpinsurance.com President 14 970-356-0123/970-330-1867 insurance, surety bonds. 1939

NORTHERN COLORADO PAPER Distribution for paper products, 295 71st Ave. 120 $43,845,000 janitorial supplies, disposable food [email protected] Tim Warde NR Greeley, CO 80634 111 $44,808,000 service products and packaging www.ncpaper.com President 15 970-353-8787/970-353-4518 materials. 1978 Skilled nursing, physical therapy, REHABILITATION & VISITING NURSE ASSOCIATION/RVNA occupational therapy, speech therapy, Crystal G. Day 2105 Clubhouse Drive 110 N/A medical social services and a certified [email protected] R.N., MSN, President and CEO 16 NR Greeley, CO 80634 110 N/A home-care aide, personal care www.rvnahomecare.com 1979 970-330-5655/970-330-7146 provider. ROCHE CONSTRUCTORS INC. 361 71st Ave. 100 $166,570,000 [email protected] Thomas J. Roche NR Greeley, CO 80634 110 $143,998,345 General contracting and construction. www.rocheconstructors.com President 17 970-356-3611/970-356-3619 1971 Region surveyed is Greeley and Evans. Based upon responses to Business Report survey researched by Noelle Maestas N/A-Not Available. NR-Not Previously Ranked To be considered for future lists, e-mail [email protected]

B Financial figures converted from Brazilian Reais to U.S. Dollars.

C Store HR estimated

Presents

2010

September 16 — Embassy Suites Sponsored by Contact De Dahlgren NCBR Marketing/Events Director [email protected]

March 26-April 8, 2010 | www.businessreportdaily.com Northern Colorado Business Report | 23A Northern Colorado’s loss is Peoria’s culinary gain

moved to Palladin’s restaurant in Las Chef Wehrli named Vegas, where, in 2000, he took the helm of the award-winning Andre’s at the executive chef by ripe age of 25. Eventually, with the help of three JQ Hammons partners, Chef Florian opened the small, casual but elegant Chimney Park Chef Florian Wehrli is now playing Bistro in 2004. A dispute with those in Peoria as executive chef at the high- partners over selling the restaurant left est-rated Embassy Suites in the country. Wherli without a kitchen in the sum- From the moment of his arrival in mer of 2007. New owner Chef Jason Northern Colorado nearly seven years Shaeffer terminated Wehrli’s non-com- ago as chef at the pete agreement, which allowed Chef Chimney Park Florian to move onto other culinary Bistro in Windsor, ventures in the region. Wehrli became a He opened the Chef’s Basket in very public voice Windsor’s Water Valley just months for building before the May 2008 tornado struck. strong relation- But it’s an ill wind that blows no good. ships in the food Wehrli was hired in 2009 as executive community, sous chef by Executive Chef Chris Cole among chefs and at the new Embassy Suites Hotel and Krista Watzel, Northern Colorado Business Report farmers and other Conference Center in Loveland. STEPPING OUT COOKIN’ — Executive Sous Chef Florian Wehrli, foreground, and Executive Chef Chris Cole cook something local producers. The John Q. Hammons folks appar- up at the Embassy Suites Hotel in Loveland. Wehrli accepted a promotion to executive chef at the high- Swiss-born Jane Albritton ently like what they saw and offered est-rated Embassy Suites in the country located in Peoria, Ill. Wehrli did his Wehrli the job as executive chef in culinary apprentice- Peoria, Ill., earlier this year. special connection with Northern population of nearly 400,000 and the cor- ship with renowned Chef Georges “This is a really busy hotel,” said Colorado and expects to maintain his porate headquarters for Caterpillar Inc. Wenger, winning the Best Apprentice of Wehrli. “It’s smaller than the one in relationships with local producers. Switzerland in 1997. He completed an Loveland, but a lot busier. In Loveland “But the only way for me to keep Jane Albritton isa contributing writer 18-month internship under Chef David there were two of us in the kitchen; now growing was to go someplace else,” he for the Northern Colorado Business Paulstich at the Mark Hotel in New I am the only one. The setup here is said. “When they made me this offer, I Report. Her monthly column features York City, then became chef saucier for about the same: a restaurant, banquet couldn’t refuse.” restaurant and hospitality industry news. Chef Jean-Louis Palladin’s Times Square space and the atrium breakfast space.” By the way, in addition to really good She can be contacted at restaurant, Palladin. From there he Wehrli said that he will always have a hotel dining, now, Peoria has a metro [email protected]. Northern Colorado Dining Guide Eat, Drink & Be Merry

Join us for EASTER eration of fam t gen ily r Join us at two nex esta he ur T an ts Fort Collins locations: . BRUNCH 123 N. College Ave. (970) 482-6500 WEDNESDAY NIGHT Brunch begins at 10 a.m. 2350 E. Harmony Rd. BURGER NIGHT 7 Different Styles of Burgers Starting at $6.95! and includes our (970)226-2300 famous rotisserie chicken, rotisserie 'FIK? FCC<>< M

Do youoffer anylunch or happyhour specials? Our happy hour is offered 7 days a week from 3 – 6pm. We offer $2.50 draft beer, $3 well drinks, $4 house redandwhite wine, $5 martinis, $5 mojitos and1/2 price pizzas.

How would you describe the ambiance or “feel” of your restaurant? We offer a comfortable, relaxedenvironment where everyone feels at home. You see everything from professional business attire to jeans and a tee-shirt. Our patrons dine Two great locations, for business meetings to a casual night out with the family. locally owned and operated.

Do you provide catering or host events/private parties? PleasePlPleeaases c callala l toto m makeakke reservationsrereseserrvvattiioonss Absolutely! We provide off-site catering and host events in our private rooms. We 10010000 W.W Mountainuua unnnAnt tain Ave.vee. 228151515 E.EER . H HarmonyaryrmmRy RRd Rd.d. have experience providing for events from 15 to 200 individuals. 970.224.96910 22224 9 991 970.267.65327760 2266 .66563532 24A | Northern Colorado Business Report www.ncbr.com | March 26-April 8, 2010

after investigating illegal title insurance “one-stop shopping” for homebuyers. INSURANCE, from 3A referrals. “I think they are all bad for con- Shrinking industry “We have a law that says it’s illegal to sumers,” Miller said. “Any time you take Heritage Title in Fort Collins. Heritage is do a lot of the things that they were competition out of the equation, they Even without state investigations, the last owned by Fidelity National Financial. doing, things like free tickets, free din- have no reason to provide great service.” few years haven’t been kind to the title ners,” said Stephanie Marquis, spokes- Not everyone agrees with Miller’s insurance industry. Mergers and acquisi- Investigations nationwide woman for the Washington office of the stance, however. tions wreaked havoc on title underwriters It’s not just a Colorado issue. The title insurance commissioner. “It was so per- RESPRO, Real Estate Services in 2008, which created a signiﬁcant mar- industry has garnered considerable vasive that for us to take action against Providers Council Inc., a national non- ket share shift. In December 2004, there attention from regulators and in court- them, it was too time-consuming and profit which represents ABAs, takes the were 715 title agencies in Colorado. Today, rooms across the country. On the feder- expensive. So we said we are going to position that such arrangements provide there are 356. Premiums have also tum- al level, illegal kickbacks are investigated give you some time, but then we will go lower rates and better service to home- bled. From 2005 to 2009, title insurance by Housing and Urban Development after you.” buyers. premiums dropped 57 percent, from $334 under the Real Estate Settlement Doug Miller, a Minnesota lawyer and “RESPRO members would tell you million a year to about $141 million at the Procedures Act or RESPA. Violators face executive director for Consumer that there is greater accountability,” said end of the third quarter of 2009. a fine of up to $10,000 and a year in jail. Advocates in American Real Estate, pro- Susan Johnson, RESPRO executive Several states are at different stages vided testimony to the U.S. Congress on director. ABAs that follow the law, she looking into illegal referrals in the title illegal kickbacks in the title industry in added, are competitive on rates and serv- SOURCE: COLORADO DIVISION OF INSURANCE industry. Pennsylvania’s investigation is 2006. In his opinion, the problem is ice with independent title companies. ongoing, and Washington State officials rooted in Affiliated Business “When you look at all illegal referrals are now clarifying state law regarding Arrangements, in which real estate serv- there is no more likelihood of them in kickbacks to real estate service providers ice providers form entities to provide affiliated businesses,” Johnson said. “Because legally compliant businesses bend their resources to make sure that Bravo! Entrepreneurs they are compliant with RESPA and other appropriate state laws, when illegal Lifetime Achievement businesses enter their market, they are as 1998-2008 frustrated as anyone.” She noted that RESPRO supports 2008-2009 ...... Gene Markley ...... Markley Motors enforcement of laws banning illegal kickbacks. 2007...... Larry Kendall Chris Hardy, managing broker for ...... The Group, Inc. Coldwell Banker Residential Brokerage 2006...... D. B. “Pete” Peterson in Fort Collins, also supports tougher J. Barney Flood regulation and enforcement. Coldwell ...... Flood & Peterson Insurance has an affiliated business arrangement 2005...... George Hall with Title Resource Group...... Hall-Irwin Corporation “I think the division of insurance has 2004...... Bill Neal the consumer in mind as they put .....Wheeler Commercial Property Services together their regulatory environment,” 2004...... Leo Schuster ...... Progressive Living Structures he said. “I think that’s a good thing. You can see what happens in an unregulated environment.” 2003 ...... Kathryn Hach-Darrow ...... Hach Company

2002 ...... Bob Tointon DAIRY, from 5A ...... Phelps-Tointon, Inc.

2001...... Tom Gleason First National Bank former New Frontier Bank loan officer, and Timothy Thissen, former NFB direc- 2000 ...... Ken Monfort tor, are still under way...... Monfort Meat Packing Bell and Thissen are accused in bank- 1999 ...... Bob Everitt ruptcy documents of using their roles at ...... Everitt Enterprises "The importance of entrepreneurship cannot be overstated. Every the bank to “improperly enrich themselves and defraud bank regulators.” But business, institution or organization came about because of entre- 1998...... W. D. Farr Water, cattle and banking the Weld County District Attorney’s preneurship. Having the initiative and the courage to be creative pioneer office said it has filed no criminal charges and to take a risk for a new business venture is what has made against Bell or Thissen, and spokesper- America great! sons for both the U.S. Attorney’s office in The Everitt Companies and our family were honored to receive the Denver and the FDIC said they could not Bravo! Award in 1999. We were honored that the Northern Col- comment on whether an investigation orado community recognized us for our willingness to undertake was under way or if litigation had been new ventures, and for the fact that our company and its employees filed or was about to be filed. were creative, willing to take a risk, and had the courage to bring a In addition, a complaint filed March 10 by Johnson Dairy against Lucerne- business venture to fruition." based Northern Feed and Bean Co. — Bob Everitt alleges that Robert Brunner, Northern’s Founder, Everitt Enterprises founder and former majority owner, used his position as an insider with New Frontier Bank to pressure Johnson into paying off $550,000 in feed debt just before the dairy filed for bankruptcy. The complaint alleges that Brunner, as chairman of the bank’s board of directors, knew of the impending bankruptcy and helped cause it by pressuring the dairy to take out the $12 million AgStar loan to refinance bank debt incurred in 2008. “By knowing that the bank would not be providing additional capital to Johnson, Mr. Brunner knew of the imminence of Johnson’s bankruptcy before other unsecured creditors,” the complaint states. The complaint asks the court to require Northern Feed and Bean to return the $550,000 so it can be used for 2010 Bravo Award Sponsors payment to unsecured creditors and to put Northern at the bottom of the payment list because of its actions. March 26-April 8, 2010 | www.businessreportdaily.com Northern Colorado Business Report | 25A

have been fully optimized for the designed for mobile users,, without the Cameron Moll. The tome offers more iPhone, Android, Opera Mini, need to redesign the pages or setup sep- than 100 pages of practical advice, tips “Beyond direct Blackberry, Pal or Windows Mobile. arate templates internally. and examples, and well as more than 40 I Desktop-to-mobile-Web migration I Mobile Web development commu- sample screens developed for various revenues, mobile can software: Apps maker Covario has just nity: With more than 26,000 members, mobile devices. released a package that helps automate the mobiForge.com is a great place to visit if Another reference-in-development is play a key role in process of transforming an everyday web you’re looking to quickly get up to speed Brian Fling’s “Mobile Design and site into one optimized for mobile devices. on the state of mobile Web development. Development.”Fling promises the forth- satisfying your most “With Covario’s Mobile Content The Starting section offers a cornucopia coming mobile development bible will Optimizer, pages can be quickly devel- of educational material, books and offer the principles and techniques of loyal customers.” oped using existing desktop content, training guides for the beginner. mobile websites and mobile apps for all configured for display on various mobile Other sections of the mobiForge site devices. devices, and done in a highly scalable are devoted to designing, developing and “We’ll discuss what makes mobile, way leveraging the Software as a Service testing mobile websites. A Running sec- specifically the mobile Web, one of the Thomas Husson, senior analyst delivery methodology,” explained Brian tion, for example, offers ideas on how to most unique and powerful mediums Klais, Covario’s vice president of prod- monetize a site once it has been mobi- we’ve ever seen,”Fling said.“I’ll cover the Forrester Research, Inc. uct management. “Our goal is to reduce lized. There are also some forums, and a essential principles for designing great the time it takes an advertiser to have a handy directory featuring mobile Web experiences for the mobile medium, complete mobile Web presence to less development agencies, recommended including how to take advantage of the E-COMMERCE, from 9A than 30 days.” development tools and the like. mobile context, physical location, touch, Covario’s MCO software uses a pro- I Mobile Web books: For an in-depth acceleromerters and other means of Study, released by Motorola in January, prietary template to migrate content look at developing for the mobile Web, input to create intuitive interfaces that found that 51 percent of 4,534 holiday from an existing website to a site check out “Mobile Web Design” by work.” shoppers said they used their mobile phones in various ways to close a sale. Those uses included comparison shopping as well as accessing online reviews, online product info and coupons. A full 64 percent of Generation Y shoppers used their mobile phones to help con- clude a sale, and 21 percent of those used a mobile phone to compare Web prices with in-store prices. Chiming in on the mobile Web’s pro- jected rise this year is Forrester’s Thomas Husson, who predicts in his January 2010 Mobile Trends report that “companies of all shapes and sizes, as well as governments and local authorities will start integrating mobile into their overall approach, rather than simply launching a few mobile initiatives. “Organizations will thus dedicate more staff and resources to mobile,” Husson added. “Many brands will also realize that they need budgets to promote their apps, and more importantly, that they need to plan their next steps — be it upgrading their service, (or) port- ing the app to a different environment, such as Android.” Husson also projects that increasing numbers of e-retailers experimenting with geo-targeting — auto-sending pro- motional texts, coupons and other advertisements to the mobile phones of potential customers near their storefronts — will become “a key component of mobile social experiences and mobile marketing campaigns.” Granted, retooling a company’s Web presence to accommodate users of a number of mobile computing devices will be a chore. But Husson believes the effort could pay off handsomely for e-retailers in the long term. “Beyond direct revenues, mobile can play a key role in satisfying your most loyal customers,” he said. Mobile Web strategies Given the cacophony of voices all heralding the inevitable rise of the mobile Web, here are some resources for pulling together a mobile strategy: I Software that detects mobile browsers: Employing this type of software is probably one of the most effi- cient ways to ensure a mobile user is served a Web site fully optimized for his or her device. Essentially, these programs can detect the type of device a visitor is using to access a website, and then direct the visitor to the mobile version that is specifically designed for each technology. One inexpensive software package is Detect Mobile Browsers, which sells for $50. The package senses and redirects visitors to versions of your website that 26A | Northern Colorado Business Report www.ncbr.com | March 26-April 8, 2010

Northern Colorado BUSINESS COMMENTARY REPORT EDITORIAL OFFICE 141 S. College Ave., Fort Collins, CO 80524-2810 800-440-3506 • 970-221-5400 Health reform Fax: 970-221-5432 www.ncbr.com suit both futile PUBLISHER Jeff Nuttall ext. 201 [email protected] CONTROLLER and expensive Cindy Nosko ext. 221 [email protected] Attorney General John Suthers has NEWS Editor signed Colorado up for a waste of both Kate Hawthorne ext. 224 time and money by joining 12 other [email protected] states in suing the federal government. Reporters Kristen Tatti ext. 219 The suit, filed mere moments after [email protected]

President Obama signed the health-care Steve Porter ext. 225 overhaul bill into law, claims the law is [email protected] unconstitutional. Copy Editor/Web Editor Why? Because “the Constitution Noah Guillaume ext. 222 [email protected] nowhere authorizes the United States to Chief Researcher mandate, either directly or under threat Noelle Maestas ext. 227 of penalty, that all citizens and legal res- [email protected] idents have qualifying health-care cov- MARKETING erage.” Marketing Director Successful relationships built De Dahlgren ext. 202 OK. It doesn’t say that everyone in [email protected] America should have electricity and ADVERTISING telephone service available in their Advertising Director Sandy Powell ext. 214 homes, either, but somehow the federal upon solid foundation of trust [email protected] government managed to make those SeniorAccount Executive things happen without undermining the Lindsay Gilliland ext. 203 Republic. You read everywhere that doing with trustworthy behaviors, people notice [email protected] And the Constitution does say, in the business in today’s economic environ- and emotionally connect with you. Account Executives Preamble, that the purpose of the feder- ment is challenging. So why make it I Stand up and be counted. No, not Patrick Bruce ext. 215 al government is to “provide for the gen- more difficult by worries about person- the Census, but rather you and what [email protected] Julie Constance ext. 218 eral welfare” of the people of the United al or professional you stand for. Watching from the side- [email protected] States. If the closest the country can ethics? lines complaining accomplishes noth- Angie Hauser ext. 236 come to universal health care for its cit- Now try this: ing. Participate in life with fun and [email protected] izens is insurance exchanges, then citi- Remove the words vigor because you will only get out of Eric Kidd ext. 226 zens will be required to purchase cover- “doing business” life what you put in! [email protected] age. from the previous The bulk of our relationships with PRODUCTION Production Manager More to the point, the Constitution statement and people, whether personal or profession- Bernie Simon ext. 220 also says that federal laws trump state replace them with al, are based on behavior. To be a suc- [email protected] laws, so the handful of states saying they “building a fami- cessful relationship, the emotion I feel Art Director Chad Collins ext. 211 opt out of the insurance provision are ly,” “building a from my interaction with your behavior [email protected] making a symbolic gesture at best. We marriage” or GUEST must be satisfactory and ultimately ADMINISTRATION thought the Civil War had settled the “building a rela- trustworthy. I.T. Director COLUMN Chris Sullivan ext. 229 matter of state nullification of federal tionship.” The I challenge you to rediscover the [email protected] law a while back. same challenges are Dave Schuh Better Business Bureau and take the Office Manager / Front Desk The AGs’ lawsuit also insists that the true. In trying times guesswork out of doing business. Tiffanie Moore ext. 200 new federal health insurance require- and good times Accredited Businesses agree to stan- [email protected] ments are unfunded mandates that will alike, trust becomes the foundation that dards of trust that include honesty, CIRCULATION Circulation Manager cause substantial financial burden to the good relationships are built upon. truth, transparency, privacy, integrity, Rhonda Doyle ext. 230 states. As if the suit itself will be litigat- Doing business as Taco John’s responsiveness, honoring promises and [email protected] ed pro bono. International Inc. for more than 40 safeguarding privacy. CONTRIBUTING WRITERS & PHOTOGRAPHERS Jane Albritton, Joe Dysart, Shirley Esterly, John W. The precedents for states and busi- years has had its “economic environ- I congratulate my fellow past win- Green, Jessie Halverson, Carrie Pinsky, Dave ness paying the cost of federal require- ments” in the past and I’m sure we’ll ners of the Torch Awards for Business Schuh, Krista Watzel, Garrison Wells, Carol Wood ments are legion, from education to have many more in the next 40 years. Ethics as well as this year’s nominees. environmental regulation — and the Surviving the test of time with more And I would like to thank business col- mandate that hospital emergency rooms than 400 franchised restaurants located leges at the University of Wyoming, treat everyone regardless of their ability in 25 states, a company has to have core Colorado State University and the to pay. values, and at Taco John’s those values University of Northern Colorado for While there is no exact precedent for start with trust. being partners with the BBB in foster- the government requiring citizens to Dare a company lose sight of its eth- ing the circle of trust. purchase a product from a private com- ical compass when dealing with others, Now, if ever our tacos or Potato Olés pany, a few come close. Well-off seniors all can be lost. If ever my customers — don’t live up to your expectation for are already required to carry Medicare franchisees or restaurant guests — lose flavor or my service is less than hos- Part A coverage, for example. faith in our brand, then suspicion and pitable, call me. Because my relation- Right here in Colorado, Suthers him- skepticism enters into their thinking. ship with customers is built on trust. self has ruled that Pinnacol Assurance is Skepticism can quickly become a cancer indeed a private business, and there is to trust; the healthy relationship that Dave Schuh, chairman ofthe BBB nothing untoward about the state took years to build can be lost. Board ofDirectors, is executive vice presi- requiring employers to carry the work- So every day I’m committed to trust- dent & chief operations officer for Taco ers’ comp coverage it provides. worthy relationships with our fran- John’s based in Cheyenne. He can be It’s probably no coincidence that all chisees, shareholders, employees, ven- reached at [email protected] or but one of the AGs in the suit are dor partners and ultimately most 307-772-3907. The 12th annual Torch Republicans, and at least two are run- important, our guests. Awards for Business Ethics will be held ning for governor. Even if Suthers is I personally believe in two guiding April 15 at the Embassy Suites in willing to declare his candidacy, we say principles for success at any level: Loveland. The event begins with a recep- Colorado should drop out of this I Connect to yourcommunity. tion at 5 p.m. and dinner at 6:30 p.m. expensive exercise in futility. When we’re engaged in community life Reservations available at wynco.bbb.org. March 26-April 8, 2010 | www.businessreportdaily.com Northern Colorado Business Report | 27A LETTERS TO THE EDITOR That would eliminate a lot of time in a The ‘in’ box is open testing facility. I see those units out on the side of the highways sniffing all of NCBR poll watch What was the biggest business news story of 1995-96? Write the Northern Colorado Business the time. Report to comment on our content or to raise Marvin McKinley Greeley's downtown revival 20% issues of interest to the business community. Fort Collins These results reflect responses to the online Letters must be limited to 300 words. poll at www.ncbr.com March 9 through March Longer guest opinions may be considered upon Toll on leave from real estate division 23. request. Please include address and telephone (Business Report Daily, March 17, 2009) Loveland a hotbed for publishers numbers so that we can verify your submission. Sowerealestatebrokershaveto 6.7% Next question: The Business Report reserves the right to endure public scrutiny, but Ms. Toll’s sit- What’s the biggest frustration with auto edit for length, and to reject letters that are uation is a private personnel matter? I emission testing? potentially libelous. am outraged. E-mail letters to Kate Hawthorne, Brett Pavel Fort Collins wind power incentives [email protected] or submit comments Fort Collins Answer now at www.ncbr.com. Responses through our website, www.ncbr.com. Snail mail 13.3% will be accepted through April 5. to 141 S. College Ave., Fort Collins, CO 80524. Foothills needs additional anchor, Editor’s note: Tell us what you consultants say really think by voting in our online Emissions testing coming to Larimer, (Business Report Daily, March 11, 2009) Launch of NCBR poll then leaving detailed comments Weld counties Look outside the box! It is a 60% at www.ncbr.com Nordstrom’s that you need as another (Business Report Daily, March 19, 2009) anchor! Does this mean that my diesel pick- Ken Deines up will now only cost $25 every two Fort Collins years? Or do I still get penalized and have to have an emission test every year at a cost of $75? Incidentally my diesel has Amazon fires Colorado affiliates over Absolutely “right on,” Marcie! As Thompson Education Foundation. The less emissions than my gas-powered car. sales tax collection artists, our move to Loveland in 1992 school district gets it and the City seems Both pass. (Business Report Daily, March 8, 2009) was the best thing we could have done to as well. Working together can produce Joe Ridiculous. Another reason to pur- for our careers and our quality of life. great results. Loveland chase from other than Amazon. Online Since living and working here, we have Ashley Kasprzak retailing is another reason we have sales come a long way from barely break-even Loveland In 2003, San Antonio did a study to tax collection problems at the state and marginal artists to successful careers that find out how much emissions testing local level, difficulty in keeping retail now enable us to support local arts busi- All of the arts need to be represented! would reduce ozone levels. We found out merchants in business. I’ve purchased nesses, as well as patronize other local It is our hope that we can all come that they reduced ozone by 1/2 of 1 part online before and will again, but not businesses, pay taxes, support local char- together to build the dream into a con- per billion. A figure so low, ozone moni- from Amazon. The free ride’s over, ities and otherwise be fully engaged citi- tinuing reality. We are indebted to tors cannot detect the difference. With Amazon. Colorado can send a message zens of this wonderful city. We know lots Marcie, Nikki, Betsy and all of the stake- cars getting cleaner since 2003, the by purchasing from local merchants and of other artists (mostly sculptors) who holders — artists, The Loveland reduction is most likely even lower stores instead of Amazon. This has gone would love to live here and take advan- Museum, Susan Ison, Suzanne Janssen, today. Emissions testing is simply a waste too far. tage of the incredible business support businesses, councilors, etc., for their of time and money. To see the report and Jim Clark systemwehavehereaswellasourvery great efforts. Thank you all! more ozone information, please go to Fort Collins special environment and pleasant and Sincerely, my website, ozoneinformation.com supportive city. Loveland is unique in Mel Schockner, Photographer Mark Langford So, I’ve heard some talk of emergency what it has to offer sculptors and other Loveland San Antonio legislation to overturn this. I’ve also arts professionals and I believe that pro- heard the opposite — that this is just moting and strengthening this sector BLOG COMMENTS It has been common knowledge for going to get worse and that all affiliate wouldbegoodforLovelandaswellas Editor’s note: Yes, we have blogs, and nearly two years that over 90 percent of marketing companies are going to pull the artists and enhance the quality of life you can join the conversation at the emissions in Larimer County are out of Colorado due to this legislation. I for all of our citizens. www.ncbr.com. from the thousands of oil-well burner don’t know what to believe but if it is the Jan Rosetta units in Weld County and some in latter, I will just have to shut down my Loveland What makes a great salesperson? Larimer County. While the problems is website because the Colorado legislature being corrected, and it will take a couple Superb article! I agree with Marcie’s (Everybody Sells, by Lee Porter) has just shut down most, if not all, Really great blog Lee. This should be more years, why should autos have a potential sources of revenue for my site. points and am thrilled that leaders are need to be checked? They contribute less seeing the arts as economic develop- helpful for recruiters and business own- Christa ers looking to identify and hire sales pro- than 5 percent of the emissions. Fort Collins ment. Although not an artist myself, I Ed Robert wascompelledtoreturntoLovelandto fessionals. I especially like No. 2 — was Fort Collins Economic development for Loveland arts raise my family partially because of just talking about “persistence” at an Loveland’s dynamic creative class. My Internet Marketing group meeting. Why can’t we adopt the drive-by test- makes sense husband, David, is engaged in an Arts Keep these coming! ing like they have down Denver way? (NCBR, March 12, 2009) and Technology Committee through the Jay Jacoby Fort Collins Portfolio It’s data can you bank on.

Directories Available now in print, on-line and on CD-ROM

141 S. College Ave. :: Fort Collins, CO 80524-2810 :: 970.221.5400 • Fax: 970.221.5432 :: www.NCBR.com 28A | Northern Colorado Business Report www.ncbr.com | March 26-April 8, 2010

FLOODPLAIN, from 1A plains and reduced property taxes and CWCB takes rules on development fees for local jurisdictions. Stan Everitt, executive vice president For more information or after a flood.” the road of Everitt Cos. in Fort Collins, said he’s glad the CWCB backed away from its Examples of generally accepted critical To view the draft rules for floodplain regu- The Colorado Water Conservation Board original proposed language. facilities include police and fire stations, lation, visit cwcb.state.co.us and click the link will be in Aurora and Glenwood Springs in April “I think taking the employment cen- hospitals, public utility facilities, emer- to “Watershed Protection and Flood to present more information and discussion of ters and other community activity out is gency shelters, hazardous materials facili- Mitigation.” Comments on the rules should be the proposed statewide floodplain rules: a step in the right direction,” he said. ties and communications equipment. sent to Tom Browning, CWCB, 1313 Sherman St., I April 7 Glenwood Springs Community But Everitt added that some propos- But the CWCB’s original draft update Room 721, Denver, 80203 or at Center, 100 Wulfsohn Road, 9 a.m. also included hotels, motels, bed-and- als still in the document go too far in try- [email protected]. breakfasts, sports arenas, theaters, meet- to noon ing to regulate floodplain development. ing halls, churches, community centers I April 9 Aurora City Council Chambers, “It seems the intent is to regulate out and major employment centers as “criti- 15151 Alameda Parkway, 9 a.m. to of existence critical facilities inside the cal facilities.” Rule 5 of the original draft noon 500-year floodplain, which has a 0.2 per- also said, “All new critical facilities Visit www.casfm.org for more details. cent chance of occurring,” he said. “It The revised document now focuses on should be outside of the 500-year flood- just seems so out of balance to me that airports, air traffic control towers, mass plain, if feasible.” it’s beyond the pale.” transit stations and terminals under the Tom Browning, chief of CWCB’s cial meeting on March 18 to clarify the Meanwhile, city floodplain adminis- category of “transportation lifelines.” Watershed Protection and Flood intent of the new proposed regulations. trators said they were happy to see the Brian Varrella, floodplain administra- Mitigation Section, said the board, part of The next day, the board released new draft rule changes. “I’m glad they made tor for the city of Fort Collins, said he the state Department of Natural Resources, draft language that removed employ- the changes and I think what’s there now also views the CWCB changes as positive. received a flood of responses after the draft ment centers, lodging and places of pub- is palatable and represents good flood- “I think in general this moves us in was released for public comment. lic assembly from Rule 6, and the Rule 5 plain development,” said Chris Carlson, the right direction,” he said. “What “We’d gotten lots of phone calls, e- recommendation that new critical facili- Loveland’s assistant floodplain adminis- they’re doing addresses many of the con- mails and what have you,” he said. “I ties be outside the 500-year floodplain. It trator. cerns we’ve heard in the business com- think the original draft didn’t accurately also modified what is considered a Carlson said Loveland had been con- munity.” reflect the right message.” “transportation lifeline.” cerned that the original document desig- Browning said “90 percent” of the nated primary access routes, bridge and Impact on downtown development feedback centered on the proposed Rule 5 Floodplain expansion challenged culvert structures and railroad lines as In Fort Collins, where the Cache la and the critical facilities added under Rule The proposed expansion of the defi- critical facilities. “That was probably our Poudre River runs just north and east of 6. As a result, the CWCB committee nition of “critical facilities” would have biggest concern because it probably downtown, the original floodplain charged with creating the rules held a spe- essentially devalued land in the flood- couldn’t be met,” he said. changes could have affected the location of a convention hotel now being studied by a consulting group hired by the Downtown Development Authority as GO WITH THE FLOW — The blue areas on this map of downtown Fort well as an outdoor 5,000-seat amphithe- Collins represent the approximate reach of the 100-year floodplain, atre proposed by the DDA for the north where there is a 1 percent chance of flooding in any year. The light green areas show the 500-year floodplain, where there is a 0.2 percent end of downtown. of flooding in any year. Matt Robenalt, DDA executive director, said he could not comment on the rules or their possible impact until the city takes a position on the proposed changes. The Fort Collins Water Board was sched- uled to discuss the issue on March 25, after the Business Report went to press. Varrella said Fort Collins is one of the few communities in the state that currently regulates critical facilities in floodplains. But he noted that the proposed regulations add a section that would require local jurisdictions to identify on a case-by- case basis those structures deemed critical facilities according to state criteria. “All structures that clearly met these criteria shall be deemed critical facilities by that jurisdiction,” the proposed CWCB language states. “For structures for which it is ambiguous if the criteria are met, the local jurisdiction shall have the discretion to determine if the structure is a critical facility.” The draft rules are set for adoption in July, but are still within a public com- Map Courtesy City of Fort Collins ment period that ends April 30.

the opposite affect. other way,” he said. Toll became executive director in REAL ESTATE, from 2A Braden points out that the HVCC is Braden said that one of the biggest 2006 and heralded sweeping regulatory not a law but rather a rule that sprung frustrations is the mixed signals coming changes for the state’s mortgage brokers, three years. from New York Attorney General out of Washington. There is a push to get appraisers and real estate brokers. The Braden explained that in the first year Andrew Cuomo’s investigation into more loans out but an increasing num- division has aggressively pursued inves- alone about 12,100 of the 13,800 HUD Fannie Mae and Freddie Mac. Fannie ber of barriers making it harder to do so tigations into alleged fraud and general mortgagees will have to drop out of the and Freddie agreed to the terms of for a majority of the industry. misconduct. program. He believes the total number HVCC in order to have the investigation Most recently, the division addressed of participating firms will drop to 700 dropped. State not so worrisome media accounts of an investigation into when all is said and done. While the Braden said that the consequences Laposa was surprised by the juxtapo- American Home Funding. Reports stat- decline in the number of mortgagees have been plentiful. The management sition of federal versus state regulatory ed that state Sen. Ted Harvey — who will streamline HUD, it will also take companies are collecting about half the concerns in the mortgage broker survey. works for the company — was the sub- choice and competition out of the mar- fee that used to go directly to an apprais- The state regulatory climate, which has ject of the investigation, an allegation ket. er, and they are often requiring a 24- been a hotbed of activity in the past four that the Division of Real Estate denied in According to the EREC surveys, both hour turnaround for appraisals. years, was ranked next to last as a risk to a March 5 media release. real estate and mortgage brokers see the Braden said that there have been the industry, followed only by interest Braden said that the regulatory new Home Valuation Code of Conduct reports that the management companies rates. changes at the state level right now are rules as a hindrance. It aims to set up a are pushing for lower appraisals so that Erin Toll, director of the Colorado relatively mild. A provision is being con- firewall between the appraiser and the no red flags are raised. He has recent per- Division of Real Estate, was slated to sidered that would require appraisal borrower and originator by requiring sonal experience with a couple of major speak at the EREC event in which the management companies to register with the use of an appraisal management mistakes in appraisals that the manage- survey results were presented on March the state. Braden pointed out that it con- company. The rule was set up to prevent ment companies refused to have fixed. 25, but was placed on leave a week tains no provisions to “protect apprais- appraisal bullying, but might be having “Now, the pendulum is swinging the before. ers from abuses.”

30A |Northern Colorado Business Report www.ncbr.com |March 26-April 8, 2010

vice president of creative development Wham-O just shipped a new Frisbee SPRIG, from 3A for Wham-O. made of Sprigwood — the EcoDisk — Claussen explained that Sprig has its and Claussen said the plan is to incorpo- usually come so quickly. “We’ll try to “It enables us and own unique message that makes it stand rate Sprigwood into more Wham-O toys. continue to help them as they transi- out in the crowded and competitive toy For the Sprig founders, working with the tion.” empowers us to industry. iconic brand is an exciting prospect. “It’s something that spoke to all of us “They’re essentially reinventing Looking for space expand.” here at Wham-O,” he said. themselves,” Bowen said. Sprig is already on the lookout for The acquisition will be phased in over what Discoe calls an “Ally McBeal” space Icon in transition, too about three years, depending on how — referring to the late-90s television David Bowen, co-founder Wham-O has been going through its long it takes for the Sprig brand to hit series set in aquirky lawoffice over abar. own transition. In many ways, the 62- certain milestones. The founders will be The designers are looking for a creative Sprig Toys year-old company is like a startup. able to once again put most of their office space in downtown Fort Collins, The company was founded in 1948 focus into toy design as they transition from which they plan to grow the design and by the 1960s had introduced the some of the general business functions team. world to the Frisbee, Slip ‘N Slide, Hula to Wham-O, but will continue to meet Forsyth feels the acquisition will be Hoop and Superball. In 1982, the com- with buyers, where they garner market good for the community, in general, and innovation of the design team,” Forsyth pany went through the first in a series of information that drives their next prod- local startup community in particular. said. “It’s one of the most enthusiastic ownership changes. ucts. Sprigwasabletogrowwithsupportcreative teams I’ve ever worked with.” Claussen said that the near-constant “We enjoy it now, too,” Discoe said. from local angel investors. That enthusiasm helped Sprig quickly transition phases may have resulted in a “It’s fun.” “They’re going to get agood return make a name for itself in the industry. In divergence from Wham-O’s legacy as an Sprig will also benefit from manufac- on investment,” Forsyth said. addition to the attentions of Wham-O, innovative producer of outdoor toys. turing costs about 30 percent lower than For such success to come at a time the company received several inquiries The most recent change — an October before and an instant connection in when few investments are panning out from other toy firms, ranging from casu- acquisition by an investor group — global markets. Bowen said that without could lead angel investors to put funds al talks to more formal acquisition dis- brought the company back to that focus. the acquisition, it would have been very into other startups and inspire others cussions. Still, the Wham-O deal was a The investor group includes Kyle difficult for the small company to broad- who have been watching from the side- bit of asurprise. Aguilar, who now serves as CEO and for cast the Sprig story around the world. lines to step up. That was a concern for “We were really still just running years has headed Manufacturing Marvel “It enables us and empowers us to Sprig’s founders. Sprig with our heads down,” Clemmer Inc. Marvel has been the manufacturer expand,” he said. “For us, it was really important to said. for both Wham-O and Sprig. Sprig is the What Sprig is taking away from the have that kind of success,”Clemmer said. The acquisition will likely lead to first acquisition since the new owners experience of being a startup is invalu- Discoe explained that the team feels Sprig toys appearing on shelves of larger took the helm. able life and business lessons. The team like it now has the opportunity to give retailers. Sprig grew its sales network and The focus now is to build on the com- plans to be involved with the incubator back to the community that helped it to reputation with smaller, independent toy pany’s decades-old reputation and put community still, and they don’t discount succeed, specifically the city of Fort stores, which will still be afocus for the the Wham-O brand back into all homes. that they could someday be involved in Collins and RMI2. The last thing they brand. After all, if it’s not broken there is The company will put a lot of concentra- starting a business, again. wantedtodowascreateanegativeexpe-no reason to fix it. tion into the branding message as well as “It’s all been fun, and it’s also been the rience for the area’s still-developing “Sprig has done a tremendous job into pioneering new products. most stressful time in our lives,” Discoe angel investment community. getting their name out there in a short “Sprig is definitely the springboard said. “Largely, their success is a credit to the amount of time,” said Dennis Claussen, catalyst for that,” Claussen said.

Having Trouble Finding Shovel Ready Industrial Building Sites Business Financing? Boxelder Business Park Located between Fort Collins & Cheyenne in business friendly Wellington. We have the experience and expertise Easy access off two I-25 exits. Build to suit if necessary. Quick 3 month town approval process. to help you find reputable sources .87 Acres to 2.85 Acres for business loans. $95,300 to $311,000 Call today for more info! $2.20 to $2.60 per sq. ft. N EED mix & match for more space MONEY Lou Kinzli Re/Max Action Brokers W Wolcott Corporation 4006 Cleveland Ave,Wellington Loan Placement Business Consulting 970-568-3600 ?970.461.1468 Financial Analysis www.kinzlirealestate.com Cell: 303.956.2755 JIM EDWARDS [email protected]

NEED TO OUTSOURCE Want to purchase TO SAVE COSTS? Services: Used Office Furniture minerals and other Wood Desk (30 x 60 & corner) $75 Conference Tables (5-10 ft.) $50 • Bookkeeping Metal Bookcases (many sizes) $25 2 Drawer File Letter $30 • Bank Reconciliation 4 Drawer File Letter $60 oil/gas interests. Storage Cabinet (many sizes) $45 • AP/AR, Payroll Solid Wood Upholstered Chair $25 2 Drawer File Lateral $45 • Financial Reporting/Budgeting (3 styles) Meeting Room, reception 4 Drawer File Lateral $175 Send details to: • HR Metal Desk (30 x 60 black or almond) $45 Rolling Office Chairs $35 • I9’s, Workers Comp, 970-221-2313 P.O. Box 13557, Denver, Unemployment Claims 1760 Laporte Ave. Ft. Collins, CO 80521 M-Sat 10am-6pm CO 80201 LJC Enterprises now open Sundays 12-5pm E-Mail: [email protected] • www.natfurnrental.com 970-420-1125 • [email protected] March 26-April 8, 2010 | www.businessreportdaily.com Northern Colorado Business Report | 31A

from 9A that will sustain their business through MEDIA, tough times.

To connect with your customers, you It’s what yousay, and how yousay it can set up groups and fan pages on Keep in mind, the word “social” is Facebook, share your 140-character-or- the more meaningful component of the less thoughts on Twitter, post thought- term “social media,” so watch what you provoking question and answer threads say. Remember mom’s words of wis- on LinkedIn. Whether those you com- dom: “If you can’t say anything nice, municate with are called friends, follow- don’t say anything at all.” That advice is ers, or contacts, the goal is the same. especially relevant today, when what And there’s strength in relationships. you say online gets recorded and cata- logued for anyone’s future search for Let them mingle content related to your business. Introduce Facebook to Twitter, In a perfect world, your scores of Twitter to LinkedIn, and so on, and new online friends chime in with outra- then let them talk. If you were an auto geously great praise for your business. repair shop, for example, you could In the real world, there’s bound to be a Google “Toyota recall” to find a credible few who feel that they didn’t have the source (ideally via the official Toyota best experience, so when you see nega- site) for which makes and models are tive feedback, use it as the opportunity affected, and then post a link to the to make things right. This is your friend article and open up a relevant discus- whose feelings you accidentally hurt, sion on your Facebook page. Next, you but by voicing her concerns she’s giving craft a 140-character Tweet that links to you the chance to respond, to shake the Facebook post, and finally, you hands and “make up.” Ultimately, this compile a list of questions your Toyota friend is more likely to remain your drivers might have, and answer how friend than the one who was wronged your shop will be able to handle their and elected to just stop talking to you. concerns and repairs. (For the greatest effect, resist the urge to cut and paste Keeping friends takes strategy the same update to each site; it could The next time someone asks you make you look lazy and diminish the about your social media strategy, message.) instead of worrying about whether This is how it might work: Your you’vereadallyouneedtoreadon ChoiceBusiness Checking friend Jane sees that Megan is a fan of blogs, tweets, fan and group pages, your business, makes a “curiosity stop” social networking, updating your profile The Perfect FREE Choice for Business Banking on your page to look around, and upon pages and cross-referencing your posts, noticing that you’re sharing valuable distill the process down to its most Bank of Choice wants to be your hometown choice for information, decides to become a fan basic element. It’s about making friends herself. With a well-thought-out busi- by extending your hand and saying, the best in financial services. Our ChoiceBusiness ness plan and a little luck, your business “Nice to meet you” to those who walked Checking account offers a wide variety of options to help makes several hundred new in your front door, and then building you, and your business, reach your financial goals. friends/contacts/followers virtually those relationships. overnight — for free! Because once your new friends pay • No monthly service charge for less than 500 items you a visit, it’s up to you to extend the (debits, credits and/or deposited items) posting to your Foster two-way communication hospitality that will make them want to account* Of course, like a good conversation, stick around. If you’re not prepared, this the success of this strategy hinges on the is where relationships can get a little • Minimum to open $100 – no minimum balance concept of give-and-take. Use the social trickier. A solid social media strategy necessary to avoid service charge media sites to share information, pass requires forethought, guidance and put- on tips, and promote special frequent- ting it on paper so that everyone • FREE ChoiceOnline Banking buyer discounts. But insist that each involved knows the plan and can main- post have a valid reason for sharing. To tain it over the long term. • FREE Bank of Choice Online Bill Pay determine whether the information And this is when even your best you’re posting is relevant, put yourself friends will tell you to get professional in your customers’ shoes and ask, help. Because according to digital mar- Stop by one of our many Northern Colorado “What’s in it for me?” When you’ve keting site Econsultancy.com, more than locations today to visit with a ChoiceBanker or touched on a worthwhile topic, you’ll 350 million users Facebook, 75 million know: Your page will soon be inundated Tweet, and 50 million are LinkedIn. check us out online at BankofChoiceOnline.com with feedback. Your new friends are online. Won’t This is today’s version of return on you join them? investment, and it’s known as “return on engagement.” Businesses that engage their customers and respond promptly Jessie Halverson works for Burns to their queries and concerns build Marketing Communications in trust, and often, a loyal fan following Johnstown. Evans / 3635 23rd Avenue Mark Your Calendar Fort Collins – Drake / 1044 West Drake Road Fort Collins – Boardwalk / 4532 Boardwalk Drive Nominations open:May 1 Greeley – 10th / 3780 West 10th Street Award Breakfast: August 10 Greeley – 20th / 7251 West 20th Street, Building A Embassy Suites Platteville / 370 Justin Avenue Windsor / 1270 Automation Drive Also located in: Arvada / Aurora / Conifer / Denver / Elizabeth Englewood / Kiowa / Parker Sponsored by Poudre Valley EKS&H BankofChoiceOnline.com Health System Member FDIC (970) 373-3512 Contact De Dahlgren NCBR Marketing/Events Director *Items more than 500 per month will be charged at 30¢ per item. [email protected] Ca h . Whe e d d g ?

From seizing opportunities to paying taxes, a UBS Credit Line gives you ready access to cash.

" *(:7.9.*8 &(0*) 7*).9 .3* 574;.)*8 >4: <.9- 1.6:.).9> <.9-4:9 ).87:59.3, >4:7 .3;*892*39 897&9*,>.1 !-*7* &7* 34 &551.(&9.43 47 (148.3, (4898.2 3) >4: 431> 5&> .39*7*89 43 9-* +:3)8 >4: :8*. #.9- 7&9*8 3*&7 -.8947.( 14<8, 34< 2&> '* & ,44) 9.2* 94 14(0 .3 >4:7 7&9*. !&10 94 :8 94)&> &'4:9 897&9*,.( +.3&3(.3, 459.438.

Saul Guice 7&3(- &3&,*7 884(.&9* .7*(947

3 11 4-3 . *33*)> &70<&>, :.9* 410 479 411.38, 0525

0-20 -3 02 00- -2 44 8&:1.,:.(*:'8.(42

1 7*).9 1.3*8 &7* 574;.)*) '> " &30 " , &3 &++.1.&9* 4+ " .3&3(.&1 *7;.(*8 3(., &3) &7* 8:'/*(9 94 (7*).9 &5574;&1.

2 7*5&>2*398 4+ 7*2.*7 .=*) 7*).9 .3*8 <.11 '* 8:'/*(9 94 &3 &)2.3.897&9.;* +** &3) 2&> 7*8:19 .3 & 57*5&>2*39 +**.

4774<.3, :8.3, 8*(:7.9.*8 &8 (411&9*7&1 *39&.18 7.80 &3) 2&> 349 '* &557457.&9* +47 >4:7 3**)8. 11 14&38 &7* 8:'/*(9 94 (7*).9 &5574;&1. 47 & +:11 ).8(:88.43 4+ 9-* 7.808 &884(.&9*) <.9- '4774<.3, :8.3, 8*(:7.9.*8 &8 (411&9*7&1, >4: 8-4:1) 7*;.*< 9-* 4&3 .8(148:7* 9&9*2*39 9-&9 <.11 '* .3(1:)*) .3 >4:7 &551.(&9.43 5&(0&,*. *.9-*7 " .3&3(.&1 *7;.(*8 3(. 347 " &30 " 574;.)*8 1*,&1 47 9&= &);.(*. $4: 8-4:1) (438:19 >4:7 1*,&1 &3) 9&= &);.8478 7*,&7).3, 9-* 1*,&1 &3) 9&= .251.(&9.438 4+ '4774<.3, :8.3, 8*(:7.9.*8 &8 (411&9*7&1 +47 & 14&3.

www.ubs.com/financialservicesinc

" .3&3(.&1 *7;.(*8 3(. .8 & 8:'8.).&7> 4+ " . A2010 " .3&3(.&1 *7;.(*8 3(. 11 7.,-98 7*8*7;*). *2'*7 . 22.02%)%14= .5% 031 %:. Special Section B March 26-April 8, 2010 www.ncbr.com 2B | Northern Colorado Business Report www.ncbr.com | March 26-April 8, 2010

Welcome to the 2010 edition of Portfolio, Northern Colorado’s resource for the finance and insurance industries. This special section of The Northern Colorado Business Report includes listings of approximately 600 companies. We recommend you save this section, and look to this valuable directory when you're seeking financial services. To be considered for the next edition of Portfolio, e-mail [email protected] or call 221-5400 x227. To submit your company data online, visit www.ncbr.com. Thanks for your interest in Portfolio and the Business Report.

Bank Branch Adams Bank & Trust Advantage Bank 1201 Lake Ave. 1801 59th Ave. Offices Berthoud, CO 80513 Greeley, CO 80634 Phone: 970-532-1800 Phone: 970-353-0047 INDEX Academy Bank - Brighton Fax: 970-532-1802 Fax: 970-353-0433 Bank of Choice Bank of Choice 60 W. Bromley Lane E-mail: [email protected] E-mail: customerservice@advan- 4532 Boardwalk Drive 7251W.20thSt.Bldg.A Brighton, CO 80601 Web site: www.abtbank.com tagebanks.com Fort Collins, CO 80525 Greeley, CO 80634 Phone: 303-654-8288 Products/Services: Agricultural, Web site: Phone: 970-266-0200 Phone: 970-339-5600 BANK BRANCH OFFICES ...... 2B Web site: commercial, consumer and real www.advantagebanks.com Fax: 970-266-1215 Fax: 970-339-5848 www.academybankco.com. estate loans. Products/Services: Banking and Web site: Web site: CPAS...... 6B Products/Services: Banking serv- PersonInCharge: Nathan Ewert, financial services. www.BankofChoiceOnline.com www.bankofchoiceonline.com ices. Regional president PersonInCharge : Chris Jeavons, Products/Services: Loans and Products/Services: Loans and CREDIT UNIONS ...... 7B Branch president banking services. banking services. Academy Bank - Fort Collins Adams Bank & Trust PersonInCharge : Darrell D. PersonInCharge : Darrell D. INSURANCE ...... 8B 1250 E. Magnolia St. 8308 Colorado Blvd. Advantage Bank McAllister, CEO McAllister, CEO Fort Collins, CO 80524 Firestone, CO 80520 1475 N. Denver Ave. Phone: 970-221-9966 Phone: 303-833-3575 Loveland, CO 80537 INVESTMENT ADVISERS ...... 10B Web site: Fax: 303-722-3488 Phone: 970-613-1982 www.academybankco.com E-mail: [email protected] Fax: 970-613-1853 MORTGAGE LENDERS ...... 11B Products/Services: Banking serv- Web site: www.abtbank.com E-mail: customerservice@ Bank of Choice Bank of Choice ices. Products/Services: Agricultural, advantagebanks.com MUTUAL FUNDS...... 14B commercial, consumer and real Web site: 1044 W. Drake Road 370 Justin Ave. Fort Collins, CO 80526 Platteville, CO 80651 Academy Bank - Greeley estate loans. www.advantagebanks.com Phone: 970-224-5100 Phone: 970-785-2000 PAYROLL COMPANIES ...... 14B 3103 23rd Ave. PersonInCharge: Nathan Ewert, Products/Services: Banking and Fax: 970-494-3494 Fax: 970-785-2590 Greeley, CO 80631 Regional president financial services. Web site: Web site: SBA LENDERS ...... 14B Phone: 970-330-8421 PersonInCharge : Thomas www.BankofChoiceOnline.com www.BankofChoiceOnline.com Web site: Adams Bank & Trust Chinnock, President Products/Services: Loans and Products/Services: Loans and VENTURE CAPITAL FIRMS ...... 15B www.academybankco.com 7800 S. US HWY 287 banking services. banking services. Products/Services: Banking serv- Fort Collins, CO 80525 PersonInCharge : Darrell D. PersonInCharge : Darrell D. ices. Phone: 970-667-4301 Fax: 970-667-4398 McAllister, CEO McAllister, CEO Academy Bank - Greeley North E-mail: [email protected] 920 47th Ave. Web site: www.abtbank.com Bank of Choice Greeley, CO 80634 Products/Services: Commercial 3635 23rd Ave. Phone: 970-356-4592 bank. Evans, CO 80620 PersonInCharge: Nathan Ewert, Phone: 970-506-1000 Bank of Colorado Bank of Colorado Bank of Colorado Web site: Bank of Choice Bank of Choice 312 Collins St. 533 Big Thompson Ave. 1609 E. Harmony Road www.academybankco.com Regional president Fax: 970-506-1937 Web site: 3780 W. 10th St. 1270 Automation Drive Eaton, CO 80615 Estes Park, CO 80517 Fort Collins, CO 80525 Advantage Bank www.BankofChoiceOnline.com Greeley, CO 80634 Windsor, CO 80550 Phone: 970-454-1414 Phone: 970-586-8185 Phone: 970-206-1160 Academy Bank - Loveland Phone: 970-352-5600 Phone: 970-674-3434 Fax: 970-454-1420 Fax: 970-586-8006 Fax: 970-206-1156 1325 N. Denver Ave. 4532 McMurry Ave., Suite 100 Products/Services: Loans and Fort Collins, CO 80625 banking services. Fax: 970-352-5282 Fax: 970-674-3737 Web site: Web site: Web site: Loveland, CO 80538 Web site: Web site: www.bankofcolorado.com www.bankofcolorado.com www.bankofcolorado.com Phone: 970-622-9528 Phone: 970-353-0047 PersonInCharge : Darrell D. Fax: 970-353-0433 McAllister, CEO www.bankofchoiceonline.com www.bankofchoiceonline.com Products/Services: Agricultural, Products/Services: Agricultural, Products/Services: Agricultural, Web site: Products/Services: Loans and Products/Services: Loans and commercial and personal banking. commercial and personal banking. commercial and personal banking. www.academybankco.com E-mail: customerservice@advantagebanks.com banking services. banking services. PersonInCharge: Matthew S. PersonInCharge: Brad Sishc, PersonInCharge: Tom Goding, Web site: PersonInCharge: Darrell D. PersonInCharge: Darrell D. Pletcher, Branch president Branch president Branch president Academy Bank - Loveland McAllister, CEO McAllister, CEO 250 W. 65th St. www.advantagebanks.com Loveland, CO 80538 Products/Services: Banking and Phone: 970-663-5403 financial services. Web site: PersonInCharge: Bryan Guest, www.academybankco.com Branch president March 26-April 8, 2010 | www.businessreportdaily.com Northern Colorado Business Report | 3B

Bank of the West Cache Bank and Trust Colorado Community Bank Colorado Community Bank 1075 W. Horsetooth Road 4645 Ziegler Road 5855 Firestone Blvd. 317S.MainSt. Fort Collins, CO 80526 Fort Collins, CO 80528 Firestone, CO 80504 Yuma, CO 80759 Phone: 970-267-2700 Phone: 970-472-7900 Phone: 720-652-7255 Phone: 970-848-3500 Bank of Colorado Bank of Colorado Fax: 970-223-7438 Fax: 970-472-7902 Fax: 720-652-7265 Fax: 970-848-0909 Farmers Bank First National Bank 605 Fourth St. 1041 Main St. Web site: www.bankofthewest.com E-mail: Web site: Web site: 713 S. Lemay Ave. 4603 S. Timberline Road Fort Lupton, CO 80621 Windsor, CO 80550 Products/Services: Banking serv- [email protected] www.coloradocommunitybank.com www.coloradocommunitybank.com Fort Collins, CO 80524 Fort Collins, CO 80528 Phone: 303-857-3400 Phone: 970-686-7631 ices, including loans and banking Web site: Products/Services: Personal and Products/Services: Personal and Phone: 970-221-2020 Phone: 970-495-9450 Fax: 303-857-3401 Fax: 970-686-9246 services for the agriculture com- www.cachebankandtrust.com commercial banking, commercial commercial banking, commercial Fax: 970-834-1862 Web site: Web site: Web site: munity. Products/Services: Loans and and consumer loans. and consumer loans. E-mail: www.1stnationalbank.com www.bankofcolorado.com www.bankofcolorado.com banking services for commercial [email protected] Products/Services: Full-service Products/Services: Agricultural, Products/Services: Agricultural, Bank of the West and personal entities. Colorado Community Bank Colorado East Bank & Trust Web site: bank. commercial and personal banking. commercial and personal banking. 4290 W. 10th St. PersonInCharge: Byron W. 6222W.NinthSt. 801 Flying Circle Blvd. www.farmersbank-weld.com PersonInCharge : Jane Sharp, PersonInCharge: Tom Goding, PersonInCharge: Tom Prenger, Greeley, CO 80634 Bateman, President Greeley, CO 80634 Dacono, CO 80514 Products/Services: Full-service Branch manager Branch president Branch president Phone: 970-352-0077 Lorna Reeves, SVP, Branch manag- Phone: 970-330-6090 Phone: 303-833-9972 bank. Fax: 970-353-1495 er Fax: 970-330-7819 Web site: www.coloeast.com PersonInCharge : Fred J. Bauer, Bank of the West Web site: www.bankofthewest.com Web site: Branch manager 415 Mountain Ave. Products/Services: Banking servic- Cache Bank and Trust www.coloradocommunitybank.com Colorado East Bank & Trust Jim Miller, President Berthoud, CO 80513 es, including loans and banking serv- 4601 W. 20th St. Products/Services: Personal and 550 E. Woodward Ave. Phone: 970-532-1000 ices for the agriculture community. Greeley, CO 80634 commercial banking, commercial Keenesburg, CO 80643 First National Bank Bank of Colorado Fax: 970-532-1100 PersonInCharge : Jeri Custer, Phone: 970-351-8600 and consumer loans. Phone: 303-723-0100 2100 W. Drake Road 111 S. Rollie Ave. Web site: www.bankofthewest.com Branch manager Fax: 970-351-7878 PersonInCharge : Max Ellis, Fax: 303-732-9284 Fort Collins, CO 80526 Fort Lupton, CO 80621 Products/Services: Banking serv- E-mail: President E-mail: [email protected] Phone: 970-495-9450 Phone: 303-857-3400 ices, including loans and banking Bank of the West [email protected] Web site: www.coloeast.com First National Bank Web site: Fax: 303-857-3401 services for the agriculture com- 1111 11th St. Web site: Colorado Community Bank Products/Services: Loans and 1600 E. Bridge St. www.1stnationalbank.com Web site: munity. Greeley, CO 80631 www.cachebankandtrust.com 10 Angove Ave. banking services, including servic- Brighton, CO 80601 Products/Services: Full-service www.bankofcolorado.com PersonInCharge : Kim Buxbaum, Phone: 970-353-2640 Products/Services: Loans and Johnstown, CO 80534 es for the agricultural community. Phone: 800-883-8773 bank. Products/Services: Agricultural, Branch manager Fax: 970-352-2773 banking services for commercial Phone: 970-587-2160 PersonInCharge : Rob A. Pippin, Web site: PersonInCharge : Kay Garcia, commercial and personal banking. Web site: www.bankofthewest.com and personal entities. Fax: 970-587-5186 Regional president www.1stnationalbank.com Branch manager PersonInCharge: Don Tomoi, Bank of the West Products/Services: Banking serv- PersonInCharge: Byron W. Web site: Products/Services: Full-service Branch president 1795 E. Bridge St. ices, including loans and banking Bateman, President, Dave www.coloradocommunitybank.com Equitable Savings & Loan bank. Brighton, CO 80601 services for the agriculture com- Thompson, Branch manager Products/Services: Personal and Association PersonInCharge : Candi Lock, Phone: 303-202-5330 munity. commercial banking, commercial 300 E. Horsetooth Road, Suite 102 Branch manager Fax: 303-659-7639 PersonInCharge : Nadine Trujillo- Cache Bank and Trust and consumer loans. Fort Collins, CO 80525 Web site: www.bankofthewest.com Rogers, Branch manager 924 11th St. PersonInCharge : Bill Bowlds, Phone: 970-223-1963 First National Bank Products/Services: Banking serv- Greeley, CO 80631 Branch president Fax: 970-223-1965 Lory Student Center - CSU Bank of Colorado ices, including loans and banking Bank of the West Phone: 970-351-8600 Web site: Fort Collins, CO 80523 3640 W. 10th St. services for the agriculture com- 303 E. Sixth St. Fax: 970-351-7878 Colorado Community Bank www.Equitable-Savings.com Phone: 970-495-9450 Greeley, CO 80634 munity. Loveland, CO 80537 Web site: 1050 Eagle Drive Products/Services: Mortgage, First National Bank Web site: Phone: 970-506-0100 PersonInCharge : David Phone: 970-667-5150 www.cachebankandtrust.com Loveland, CO 80537 loans, checking, savings. 3645 35th. Ave. www.1stnationalbank.com Fax: 970-506-0093 Benevides, Branch manager Fax: 970-669-7164 Products/Services: Loans and Phone: 970-278-0040 PersonInCharge : Donald M. Evans, CO 80620 Products/Services: Full-service Web site: Web site: www.bankofthewest.com banking services for commercial Fax: 970-278-0038 Koenig Jr., President Phone: 970-495-9450 bank. www.bankofcolorado.com Bank of the West Products/Services: Banking serv- and personal entities. Web site: Web site: PersonInCharge : Stephanie Products/Services: Agricultural, 181 W. Boardwalk Drive, No. 101 ices, including loans and banking PersonInCharge: Byron W. www.coloradocommunitybank.com Equitable Savings & Loan www.1stnationalbank.com Grosskopf commercial and personal banking. Fort Collins, CO 80525 services for the agriculture com- Bateman, President, Amy Products/Services: Personal and Association PersonInCharge: Tom Prenger, Phone: 970-797-3734 munity. Patterson, Branch manager commercial banking, commercial 3400 16th St. No. 6L Branch president Fax: 970-225-3916 and consumer loans. Greeley, CO 80631-4854 E-mail: wanda.zimmerman@ BBVA Compass Bank Colorado Community Bank PersonInCharge : Harry Morgan Phone: 970-395-0400 bankofthewest.com 5275 McWhinney Blvd. 3650 35th Ave. Web site: www.BankoftheWest.com Loveland, CO 80538 Evans, CO 80620 Colorado Community Bank First National Bank First National Bank Products/Services: Banking serv- Phone: 970-622-8080 Phone: 970-339-8430 122W.MainSt. 1600 N. College Ave. 155 E. Boardwalk Drive ices: including personal and busi- Fax: 970-663-4384 Fax: 970-339-8431 Sterling, CO 80751 Fort Collins, CO 80524 Fort Collins, CO 80525 Bank of Colorado ness accounts, personal and busi- E-mail: E-mail: ddougherty@colorado Phone: 970-522-5151 Phone: 970-495-9450 Phone: 970-495-9450 4848 Thompson Parkway, Suite 100 ness loans, mortgages, invest- [email protected] communitybank.com Fax: 970-522-5450 Farmers Bank Web site: Web site: Johnston, CO 80534 ments and banking services for Web site: www.bbvacompass.com Web site: Web site: 119 First St. www.1stnationalbank.com www.1stnationalbank.com Phone: 970-663-7600 the agriculture community. www.coloradocommunitybank.com www.coloradocommunitybank.com Ault, CO 80610 Products/Services: Full-service Products/Services: Full-service Fax: 970-663-7601 PersonInCharge : Wanda BBVA Compass Bank Products/Services: Personal and Products/Services: Personal and Phone: 970-834-2121 bank. bank. Web site: Zimmerman, Branch manager 3501 W. 12th St. commercial banking, commercial commercial banking, commercial Fax: 970-834-1351 PersonInCharge : Kay Garcia, PersonInCharge : Kay Garcia, www.bankofcolorado.com Greeley, CO 80634 and consumer loans. and consumer loans. E-mail: Branch manager Branch manager Products/Services: Agricultural, Bank of the West Phone: 970-356-3760 PersonInCharge : Dennis [email protected] commercial and personal banking. 1437 E. Mulberry St. Web site: www.bbvacompass.com Dougherty, Branch president Web site: PersonInCharge: Christian Fort Collins, CO 80524 PersonInCharge : Michael www.farmersbank-weld.com Bordewick, Branch president Phone: 970-267-3700 McClure, President Products/Services: Full-service Fax: 970-493-2857 bank. Web site: www.bankofthewest.com BBVACompass Bank PersonInCharge : Fred J. Bauer, Products/Services: Banking serv- 3131 S. College Ave. President ices, including loans and banking Fort Collins, CO 80525 services for the agriculture com- Phone: 970-266-9090 munity. Web site: www.bbvacompass.com

ESET protects your financial well being

ESET NOD32 Antivirus 4.2 Spring into: Fast, E,ective, Proactive,Antivirus and Antispyware …an ACTIVE life during retirement. …HEALTHY financial opportunities. Protection of your critical business …the LIFE you’ve always dreamt of living! systems costs a fraction of what it will cost to clean up a security breach orothermalwareinfection. Ever vigilant, ever evolving – Protection like no other! Contact us TODAY Your Local Colorado Reseller BetterAntiVirus.com for a free Business Evaluation. Loveland, CO 970-744-7300 Call our office at ESET NOD32 Antivirus 4.2 Call our office or visit our website to speak with a (970) 669-1225 Licensed Insurance provider on how insurance and annuities could positively affect your future. or visit our website at www.growsecure.com © 2010 ESET, LLC. All rights reserved. 15958 0764110 4B | Northern Colorado Business Report www.ncbr.com | March 26-April 8, 2010

First National Bank of Wyoming FirsTier Bank dba Capital West National Bank 2695 Rocky Mountain Ave. 2108 Milestone Drive Loveland, CO 80538 Fort Collins, CO 80525 Phone: 970-278-4278 First National Bank First National Bank First National Bank First National Bank First National Bank First National Bank Phone: 970-282-2400 Web site: www.firstierbank.com 112 Denver Ave. 1701 23rd Ave. 301 First St. 1450 N. Boyd Lake Road 4100 Harrison Ave. 205 W. Oak St. Fax: 970-282-8945 Products/Services: Full-service Fort Lupton, CO 80621 Greeley, CO 80634 Kersey, CO 80644 Loveland, CO 80538 Wellington, CO 80549 Fort Collins, CO 80521 E-mail: [email protected] consumer and commercial bank- Phone: 800-883-8773 Phone: 970-495-9450 Phone: 970-495-9450 Phone: 970-495-9450 Phone: 970-495-9450 Phone: 970-495-9450 Web site: www.cwnbank.com ing. Web site: Web site: Web site: Web site: Web site: Web site: Products/Services: Full-service Person In Charge: Timothy Wiens, www.1stnationalbank.com www.1stnationalbank.com www.1stnationalbank.com www.1stnationalbank.com www.1stnationalbank.com www.1stnationalbank.com community commercial bank. CEO Products/Services: Full-service Products/Services: Full-service Products/Services: Full-service Products/Services: Full-service Products/Services: Full-service Products/Services: Full-service Person In Charge: Steve Hogan, bank. bank. bank. bank. bank. bank. Colorado market president Person In Charge: Alex Craig, Person In Charge: Alex Craig, Person In Charge: Alex Craig, Person In Charge: Jane Sharp, Person In Charge: Kay Garcia Person In Charge: Kay Garcia, Branch manager Branch manager Branch manager Branch managers Branch manager First Western Trust Bank, Northern Colorado First National Bank of Estes 3003 E. Harmony Road. Suite 200 Fort Collins Commerce Bank Park Fort Collins, CO 80528 3700 S. College Ave., Unit 102 241 Park Lane Phone: 970-484-9222 Fort Collins, CO 80525 First National Bank Estes Park, CO 80517 Fax: 970-416-9321 Phone: 970-204-1010 First National Bank First National Bank First National Bank First National Bank 1505 Main St. Phone: 970-586-4485 E-mail: [email protected] Fax: 970-204-1590 920 54th Ave. 100 Johnstown Center Drive 750 N. Lincoln Ave. 390 Justin Ave. Windsor, CO 80550 Fax: 970-586-0517 Web site: www.fwtb.com E-mail: ebank@fortcollins Greeley, CO 80634 Johnstown, CO 80534 Loveland, CO 80537 Platteville, CO 80651 Phone: 970-495-9450 E-mail: [email protected] Products/Services: Investment commercebank.com Phone: 970-495-9450 Phone: 970-495-9450 Phone: 970-495-9450 Phone: 970-495-9450 Web site: Web site: www.fnbestes.com management, deposits and lend- Web site: Web site: Web site: Web site: Web site: www.1stnationalbank.com Person In Charge: David Taylor, ing, personal trust, family office www.fortcollinscommercebank.com www.1stnationalbank.com www.1stnationalbank.com www.1stnationalbank.com www.1stnationalbank.com Products/Services: Full-service President services. Products/Services: Banking and Products/Services: Full-service Products/Services: Full-service Products/Services: Full-service Products/Services: Full-service bank. Person In Charge: Kristi L. financial services. bank. bank. bank. bank. Person In Charge: Jane Sharp, First National Bank of Estes Benningsdorf, President Person In Charge: Gerard Nalezny, Person In Charge: Alex Craig, Person In Charge: Alex Craig, Person In Charge: Jane Sharp, Person In Charge: Alex Craig, Branch manager Park President Branch manager Branch Manager Branch manager Branch manager 501 St. Vrain Lane, Suite 100 FirstBank of Adams County Estes Park, CO 80517 410 E. Bromley Lane Phone: 970-577-1234 Brighton, CO 80601 Fax: 970-577-9175 Phone: 720-685-3300 E-mail: [email protected] Web site: www.1stbank.com Web site: www.fnbestes.com Products/Services: Banking. Great Western Bank Person In Charge: David Taylor, Person In Charge: Bob Beuschle, 151 S. College Ave. President Branch manager Fort Collins, CO 80524 Phone: 970-226-1080 FirstBank of Northern Colorado Fax: 970-225-4905 2644 S. Timberline Road Web site: Fort Collins, CO 80525 www.greatwesternbank.com Phone: 970-267-9500 E-mail: Web site: www.efirstbank.com [email protected] Products/Services: Full-service consumer and commercial banking. Person In Charge: Patrick M. Brady, President

FirstBank of Northern Colorado Great Western Bank 1015 S. Taft Hill Road 785 Cheeseman Street Fort Collins, CO 80521 Erie, CO 80516 Phone: 970-493-0200 Phone: 303-828-0888 Web site: www.efirstbank.com Fax: 303-729-3770 Products/Services: Full-service Web site: consumer and commercial bank- www.greatwesternbank.com ing. E-mail: Person In Charge: Patrick M. [email protected] Brady, President

FirstBank of Northern Colorado 1013 E. Harmony Road Fort Collins, CO 80525 Phone: 970-223-4000 Great Western Bank Fax: 970-282-3925 3711 JFK Parkway, Suite 100 Web site: www.efirstbank.com Fort Collins, CO 80525 Products/Services: Full-service Phone: 970-225-4907 consumer and commercial bank- Fax: 970-225-4905 ing. E-mail: [email protected] Person In Charge: Patrick M. Web site: Brady, President www.greatwesternbank.com E-mail: FirstBank of Northern Colorado [email protected] 2315 S. College Ave. Fort Collins, CO 80525 Guaranty Bank Phone: 970-493-1700 2707 E. Bromley Lane Fax: 970-282-3925 Brighton, CO 80601 Web site: www.efirstbank.com Web site: Products/Services: Full-service www.guarantybankco.com consumer and commercial banking. Products/Services: Full-service Person In Charge: Patrick M. banking and loans. Construction Brady, President financing, SBA lending, commercial and consumer. FirstBank of Northern Colorado 4322 Ninth St. Road Guaranty Bank & Trust Co. Greeley, CO 80634 807 Mountain Ave. Phone: 970-506-4477 Berthoud, CO 80513 Fax: 970-506-4488 Phone: 970-532-2676 Web site: www.efirstbank.com Fax: 970-532-8131 Products/Services: Full-service E-mail: consumer and commercial bank- [email protected] ing. Web site: Person In Charge: Patrick M. www.guarantybankco.com Brady, President Products/Services: Full-service banking and loans. Construction FirstBank of Northern Colorado financing, SBA lending, commercial 2901 23rd Ave. and consumer. Greeley, CO 80631 Person In Charge: Linda Phone: 970-339-9000 Timmerman, Branch Manager Fax: 970-339-2795 Products/Services: Full-service Guaranty Bank & Trust Co. consumer and commercial bank- 100 Oak Ave. ing. Eaton, CO 80615 Person In Charge: Patrick M. Phone: 970-454-3456 Brady Fax: 970-454-2457 Web site: FirstBank of Northern Colorado www.guarantybankco.com 225E.29thSt. Products/Services: Full-service Loveland, CO 80538 banking and loans. Phone: 970-669-4000 Person In Charge: Robert Burke, Web site: www.efirstbank.com Branch manager Products/Services: Full-service consumer and commercial bank- Guaranty Bank & Trust Co. ing. 1210 E. Mulberry St. Person In Charge: Patrick M. Fort Collins, CO 80524 Brady, President Phone: 970-454-4220 Fax: 970-224-3889 FirstBank of Northern Colorado Web site: 1352 W. Eisenhower Blvd. www.guarantybankco.com Loveland, CO 80537 Products/Services: Deposits, Phone: 970-669-4000 loans and trust services. Web site: www.efirstbank.com Person In Charge: Laurie Hart, Products/Services: Full-service Branch manager consumer and commercial banking. Guaranty Bank & Trust Co. Person In Charge: Patrick M. 2900 S. College Ave. Brady, President Fort Collins, CO 80525 Phone: 970-223-3535 FirstBank of Northern Colorado Fax: 970-223-1557 1510 Main St. Web site: Windsor, CO 80550 www.guarantybankco.com Phone: 970-674-2900 Products/Services: Full-service Web site: www.efirstbank.com commercial bank, loans and Products/Services: Full-service deposit products, trust and invest- consumer and commercial bank- ment products. ing. Person In Charge: Patrick M. Brady, President March 26-April 8, 2010 | www.businessreportdaily.com Northern Colorado Business Report | 5B

Guaranty Bank & Trust Co. Home State Bank JP Morgan Chase - Loveland New West Bank 2900 S. College Ave. 935 N. Cleveland Ave. 200 E. Seventh St. 55S.ElmAve. Fort Collins, CO 80525 Loveland, CO 80537 Loveland, CO 80537 Eaton, CO 80615 Phone: 970-223-3535 Phone: 970-203-6100 Phone: 970-622-7444 Phone: 970-454-1800 Fax: 970-266-2040 Fax: 970-669-6228 Fax: 970-622-7466 Fax: 970-454-1802 Web site: E-mail: [email protected] Web site: www.chase.com E-mail: customer_service@ www.guarantybankco.com Web site: Products/Services: Full-service newwestbank.biz Products/Services: Full-service www.homestatebank.com banking. Web site: www.newwestbank.biz banking and loans. Products/Services: Banking and Person In Charge: Shirley Choury, Products/Services: Financial Person In Charge: Laurie Hart, loans. Branch manager services, full-service, locally Branch manager Person In Charge: Harry owned community bank. Includes Devereaux, President JP Morgan Chase - Loveland agricultural loan services. Guaranty Bank & Trust Co. 975 N. Lincoln Ave. Person In Charge: Tim Croissant, 1550 E. Harmony Road Home State Bank Loveland, CO 80537 Branch president Fort Collins, CO 80525 7499 Westgate Drive Phone: 970-622-7444 Phone: 970-204-0505 Windsor, CO 80528 Fax: 970-635-5700 New West Bank Fax: 970-204-6857 Phone: 970-203-6100 Web site: www.chase.com 3459 W. 20th St., Suite 114 Web site: E-mail: [email protected] Products/Services: Full-service Greeley, CO 80634 www.guarantybankco.com Web site: banking. Phone: 970-378-1800 Products/Services: Full-service www.homestatebank.com Fax: 970-378-1801 banking and loans. Products/Services: Banking and JP Morgan Chase - Windsor E-mail: customer_service@ Person In Charge: Laurie Hart, loans. 1595 Main St. newwestbank.biz Branch manager Person In Charge: Harry Windsor, CO 80550 Web site: www.newwestbank.biz Daniel M. Quinn, CEO, President Devereaux, President Phone: 970-686-2867 Products/Services: Financial Web site: www.chase.com services, full-service, locally- Guaranty Bank & Trust Co. Home State Bank - Mortgage owned community bank. Includes 4650 Royal Vista Circle Division JP Morgan Chase Bank agricultural loan services. Fort Collins, CO 80528 2695 W. Eisenhower Blvd. 13781 Colorado Blvd. Person In Charge: Leroy Leavitt, Phone: 970-266-0505 Loveland, CO 80537 Brighton, CO 80602 CEO, chairman Fax: 970-225-9045 Phone: 970-461-2292 Web site: Fax: 970-669-6228 KeyBank ofColorado Points West Community Bank www.guarantybankco.com E-mail: 541 Big Thompson Ave. 8100 Sixth St. Products/Services: Full-service [email protected] Estes Park, CO 80517 Wellington, CO 80549 banking including savings, checking, Web site: Phone: 970-586-2364 Phone: 970-568-3250 IRAs, CDs, agriculture loans, etc. www.homestatebank.com Web site: www.keybank.com Web site: Person In Charge: Robert Burke Products/Services: All types of Products/Services: Banking serv- www.pointswestbank.com mortgage products for owner-occu- ices. Products/Services: Commercial, Guaranty Bank & Trust Co. pied and investment real estate. agricultural, real estate and con- 930 11th Ave. Person In Charge: Harry KeyBank ofColorado sumer loans. On-line banking, bill- Greeley, CO 80631 Devereaux, President 1130 Haxton Drive pay, ACH origination, deposit prod- Phone: 970-356-3456 Fort Collins, CO 80525 ucts, insurance. Fax: 970-454-4245 JP Morgan Chase Phone: 970-226-3902 Person In Charge: Mark Brase, Web site: 1414 E. Harmony Road Web site: www.keybank.com Front Range manager www.guarantybankco.com Fort Collins, CO 80525 Products/Services: Banking serv- Products/Services: Full-service Phone: 970-226-6105 ices. Points West Community Bank banking and loans. Fax: 970-226-6504 1291 Main St. Person In Charge: Robert Burke, Web site: www.chase.com KeyBank ofColorado Windsor, CO 80550 Branch manager Products/Services: Full bank 300 W. Oak St. Phone: 970-686-0878 services. Fort Collins, CO 80521 Fax: 970-686-0893 Guaranty Bank & Trust Co. Person In Charge: Laurie Hart, Phone: 970-482-3216 Web site: 3151 N. Garfield Ave. Branch manager Fax: 970-221-2811 www.pointswestbank.com Loveland, CO 80538 Web site: www.keybank.com Products/Services: Financial Phone: 970-267-6906 JP Morgan Chase services. Fax: 970-267-6908 1275 E. Magnolia St. KeyBank ofColorado Person In Charge: Mark Brase, Web site: Fort Collins, CO 80521 100 E. Drake Road Front Range manager www.guarantybankco.com Phone: 970-472-6149 Fort Collins, CO 80525 Products/Services: Financial Fax: 970-472-6167 Phone: 970-494-2480 Signature Bank services, commercial loans, cash Web site: www.chase.com Web site: www.keybank.com 6801 W. 20th St. management, agricultural loans, Products/Services: Full bank Products/Services: Banking serv- Greeley, CO 80634 construction loans. services. ices. Phone: 970-330-1200 Person In Charge: Linda Person In Charge: Brady Tomlin E-mail: customerservice@ Timmerman, Branch manager KeyBank ofColorado signaturebanks.com JP Morgan Chase - Firestone 822 14th St. Web site: Guaranty Bank & Trust Co. 11040 Colorado Blvd. Greeley, CO 80631 www.signaturebanks.com 1401 S. Taft Ave. Firestone, CO 80504 Phone: 970-378-3220 Products/Services: Full-service Loveland, CO 80537 Web site: www.chase.com Web site: www.keybank.com banking. Phone: 970-278-1547 Products/Services: Full-service Products/Services: Banking serv- Person In Charge: Robert N. Fax: 970-267-6925 banking. ices. Hinderaker, President Web site: Person In Charge: Eric Biberstine, www.guarantybankco.com Branch manager KeyBank ofColorado Signature Bank Products/Services: Full-service 125 E. Seventh St. 355 Eastman Park Drive banking and loans. JP Morgan Chase - Fort Collins Loveland, CO 80537 Windsor, CO 80550 Person In Charge: Linda 2000 S. College Ave. Phone: 970-667-3083 Phone: 970-674-3600 Timmerman, Branch manager Fort Collins, CO 80525 Web site: www.keybank.com Fax: 970-674-3610 Phone: 970-622-7603 Products/Services: Banking serv- E-mail: customerservice@ Hillcrest Bank Fax: 970-484-7063 ices. signaturebanks.com 1901 Ptarmigan Trail Web site: www.chase.com Web site: Estes Park, CO 80517 Products/Services: Consumer KeyBank ofColorado www.signaturebanks.com Phone: 720-266-2300 and business checking and sav- 125 E. Seventh St. Products/Services: Full-service Web site: www.hillcrestbank.com ings, investments, mortgages, SBA Loveland, CO 80537 banking. loans. Phone: 970-667-3083 Person In Charge: Robert N. Hillcrest Bank Person In Charge: Sheida Azimi, Web site: www.keybank.com Hinderaker, President 2101 S. Garfield Ave. Branch manager Products/Services: Banking serv- Loveland, CO 80537 ices. Summit Bank & Trust Phone: 970-593-3056 JP Morgan Chase - Fort Collins 199 S. Briggs St. 731S.LemayAve. Erie, CO 80516 Home State Bank Fort Collins, CO 80524 Phone: 303-439-4888 2337 S. Shields St. Phone: 970-622-7702 Fax: 303-439-4899 Fort Collins, CO 80526 Fax: 970-224-9601 E-mail: [email protected] Phone: 970-203-6100 Web site: www.chase.com Larimer Bank ofCommerce Web site: www.summitbt.com E-mail: [email protected] Person In Charge: Justin 1432 E. Mulberry St., Unit B Web site: Simpson, Branch manager Fort Collins, CO 80524 U.S. Bank National Association Bob Murphy www.homestatebank.com Phone: 970-224-7200 500 Bromley Lane Executive Vice President Products/Services: Banking and JP Morgan Chase - Fort Collins Fax: 970-224-7219 Brighton, CO 80601 loans. 4603 Boardwalk Drive E-mail: [email protected] Person In Charge: Harry Fort Collins, CO 80528 Web site: www.larimerbank.com United Western Bank Devereaux, President Phone: 970-282-8626 Person In Charge: Mark Allen 2420 E. Harmony Road. Web site: www.chase.com Kross, President Fort Collins, CO 80528 Home State Bank Person In Charge: Laura Brigham, Phone: 970-226-8460 Engaged Top to Bottom 303 E. Mountain Ave. Branch manager Web site: www.uwbank.com Fort Collins, CO 80524 Phone: 970-622-7188 JP Morgan Chase - Greeley United Western Bank Fax: 970-224-4180 2600 W. 10th St. 3800 E. 15th St. E-mail: [email protected] Greeley, CO 80631 Loveland Bank ofCommerce Loveland, CO 80538 in Your Business Web site: Phone: 970-392-3330 102E.29thSt. Phone: 970-203-9220 www.homestatebank.com Fax: 970-353-0109 Loveland, CO 80538 Web site: www.uwbank.com Products/Services: Banking and Web site: www.chase.com Phone: 970-679-7150 loans. Products/Services: Full-service Fax: 970-679-7169 US Bank We’re your long-term Person In Charge: Harry banking. E-mail: ebank@lovelandbank 3338 Arapahoe Road Devereaux, President Person In Charge: Cyndi Ingram, ofcommerce.com Erie, CO 80516 Branch manager Web site: Phone: 303-269-8300 business partner, Home State Bank www.lovelandbankofcommerce.com Fax: 303-926-0318 1355 E. Eisenhower Blvd. JP Morgan Chase - Greeley Person In Charge: Mark Allen Web site: www.usbank.com Loveland, CO 80538 4719 W. 29th Kross Products/Services: Banking. helping you: Phone: 970-622-7198 Greeley, CO 80634 Fax: 970-669-6228 Phone: 970-339-3238 Mile High Bank US Bank E-mail: [email protected] Web site: www.chase.com 2950 N. Garfield Ave. 363 E. Elkhorn Ave. • lower overall risk Web site: Loveland, CO 80538 Estes Park, CO 80517 www.homestatebank.com JP Morgan Chase - Greeley Phone: 970-669-6424 Phone: 970-586-4412 • boost operational Products/Services: Banking and 822 Seventh St. Fax: 970-669-8144 Web site: www.usbank.com loans. Greeley, CO 80631 Web site: www.milehighbanks.com Products/Services: Banking. efficiency & safety Person In Charge: Harry Phone: 970-392-3203 Devereaux, President Fax: 970-395-7359 Mountain Plains Farm Credit US Bank • maximize profits Web site: www.chase.com Services 6110 Firestone Blvd. Home State Bank Products/Services: Full-service 4505 W. 29th St. Firestone, CO 80504 2695 W. Eisenhower Blvd. banking. Greeley, CO 80633 Phone: 720-652-6691 Commercial Insurance • Employee Benefits Loveland, CO 80537 Person In Charge: Eric Biberstine, Phone: 970-330-4071 Web site: www.usbank.com Phone: 970-203-6100 Branch manager Fax: 970-330-4420 Products/Services: Banking. Personal Insurance • Surety Bonds Fax: 970-669-6228 E-mail: [email protected] E-mail: [email protected] JP Morgan Chase - Loveland Web site: www.ifeedtheworld.com US Bank Web site: 1905 W. Eisenhower Blvd. Products/Services: Provides 301 E. Horsetooth Road www.fpinsurance.com www.homestatebank.com Loveland, CO 80537 financial services for farmers, Fort Collins, CO 80525 Products/Services: Banking and Phone: 970-622-7679 ranchers, agribusinesses, and Phone: 970-207-0799 970-356-0123 loans. Web site: www.chase.com country home owners. Includes Fax: 970-223-8628 Person In Charge: Harry Person In Charge: Suzie Allen, operating loans, equipment loans, Web site: www.usbank.com 800-356-2295 Devereaux, President Branch manager livestock loans and crop insurance. Products/Services: Banking. 6B | Northern Colorado Business Report www.ncbr.com | March 26-April 8, 2010

US Bank Valley Bank & Trust Wells Fargo Bank Wells Fargo Bank Bartels&Co.LLC Carroll & Associates CPAs PC Dye& Whitcomb LLC 2602 S. Timberline Road 450 Oak St. 3500 JFK Parkway, Suite 110 3710 Grant Ave. 7251 20th St., Bldg. D-1 419 Canyon Ave., Suite 220 4115 Boardwalk Drive, Suite 108 Fort Collins, CO 80525 Frederick, CO 80530-9999 Fort Collins, CO 80525 Loveland, CO 80538 Greeley, CO 80634 Fort Collins, CO 80527 Fort Collins, CO 80525 Phone: 970-206-0947 Phone: 303-833-2290 Phone: 970-233-3600 Phone: 970-203-2540 Phone: 970-352-7500 Phone: 970-224-3357 Phone: 970-207-9724 Web site: www.usbank.com Fax: 303-825-8081 Fax: 970-224-0433 Web site: www.wellsfargo.com Western States Bank a branch Fax: 970-352-2281 Fax: 970-484-1277 Fax: 970-207-9750 Products/Services: Banking. Web site: www.valleybankand E-mail: Products/Services: Full-service of Valley Bank and Trust Co., NE E-mail: [email protected] E-mail: E-mail: [email protected] trust.com [email protected] bank. 808 West Eisenhower Road Web site: www.bartelscpa.com [email protected] Web site: http://dyewhitcomb.com US Bank Products/Services: Full-service Web site: www.wellsfargo.com Loveland, CO 80537 Products/Services: Full-service Person In Charge: Steve Carroll, Products/Services: Accounting 4503 JFK Parkway banking, including agricultural Products/Services: Banking, Wells Fargo Bank Phone: 970-593-1600 CPA firm including tax preparation President and bookkeeping services, includ- Fort Collins, CO 80525 loans. insurance, wealth management 1412 Hahns Peak Drive Fax: 970-593-3290 and planning, auditing, bookkeeping payroll and tax preparation. Phone: 970-255-8591 Person In Charge: Marlys and estate planning, investments, Loveland, CO 80538 E-mail: ing and accounting. Cole and Crosier PC Person In Charge: James K. Dye, Web site: www.usbank.com McMullen, Branch operations man- mortgage and consumer finance. Phone: 970-461-6360 [email protected] Person In Charge: Richard J. 210 Sunset Drive Principal Products/Services: Banking. ager Person In Charge: Mark L. Web site: www.wellsfargo.com Web site: Bartels, Managing partner LaSalle, CO 80645-3134 Frank Ross, Branch president Hensler, Branch manager Products/Services: Full-service www.westernstatesbank.com Phone: 970-284-5545 Eads & Associates Inc. US Bank Sharon Nemitz, Manager bank. Products/Services: Personal and Bates & Bishop CPA Inc. Fax: 970-284-5546 1730 S. College Ave., Suite 203 400 Howes St. Valley Bank and Trust business banking and loans. 234 Elder Drive E-mail: [email protected] Fort Collins, CO 80525 Fort Collins, CO 80521 2380 E. Bridge St. Wells Fargo Bank Wells Fargo Bank Loveland, CO 80538 Person In Charge: Brian Crosier Phone: 970-221-1477 Phone: 970-493-5506 Brighton, CO 80601 2045 10th St. 1069 Main St. CPAs Phone: 970-669-7400 David Cole Fax: 970-221-8506 Web site: www.usbank.com Phone: 303-659-1472 Greeley, CO 80631 Windsor, CO 80550 Fax: 970-669-7404 E-mail: Products/Services: Banking. Fax: 303-659-1549 Phone: 970-351-4724 Phone: 970-686-7900 E-mail: [email protected] Cowles Tax Service [email protected] Web site: www.wellsfargo.com Web site: www.wellsfargo.com Alexander Broughton & Co. CPAs Web site: 1625 Eighth Ave. Web site: US Bank Valley Bank and Trust Products/Services: Full-service Products/Services: Full-service PC www.batesbishopcpa.com Greeley, CO N/A www.eadsandassociates.com 3690 W. 10th St. 4900 E. Bromley Lane bank. bank. 903 N. Cleveland Ave., Suite B Products/Services: Payroll serv- Phone: 970-353-1515 Person In Charge: Brad Eads, Greeley, CO 80634 Brighton, CO 80601 Person In Charge: Bill Kurtz Loveland, CO 80537 ice and tax preparation. President Phone: 970-392-9717 Phone: 303-659-3490 Phone: 970-669-7200 Person In Charge: Rex Bates, Crona & Associates Fax: 970-352-7087 Fax: 303-659-4043 Wells Fargo Bank Fax: 970-669-7211 President 1350 Graves Ave. EKS&H / Ehrhardt Keefe Steiner Web site: www.usbank.com 1025 Ninth Ave. E-mail: [email protected] Estes Park, CO 80517 & Hottman PC Products/Services: Banking. Wells Fargo Greeley, CO 80631 Web site: Bob German CPA PC Phone: 970-586-2328 1321 Oakridge Drive Person In Charge: Scott Wingfield 3600 S. College Ave. Phone: 970-378-3112 Western States Bank alexanderbroughton.com 300 E. Boardwalk Drive, Bldg. 5B Fax: 970-586-6771 Fort Collins, CO 80525 Fort Collins, CO 80525 Fax: 970-378-3137 1298 N. College Ave. Products/Services: Auditing, tax Fort Collins, CO 80525 Phone: 970-282-5400 x5405 US Bank Phone: 970-266-7776 Web site: www.wellsfargo.com Fort Collins, CO 80524 preparation, consulting. Phone: 970-223-7373 CW Decker & Co. CPAs PC Fax: 970-282-5499 4548 Centerplace Drive Fax: 970-266-7771 Products/Services: Full-service Phone: 970-224-1300 Person In Charge: Mike Alexander, Fax: 970-223-0157 215 W. Magnolia St., No. 201 Web site: www.eksh.com Greeley, CO 80634 Web site: www.wellsfargo.com bank. Fax: 970-224-1355 President Fort Collins, CO 80521 Products/Services: Offers audit, Phone: 970-330-5146 Products/Services: Banking, Person In Charge: Bill Kurtz E-mail: Brock & Associates Phone: 970-482-2179 tax planning and a variety of busi- Web site: www.usbank.com insurance, wealth management [email protected] Anderson & Whitney PC 1770 25th Ave. Fax: 970-221-9405 ness-advisory services, including Products/Services: Banking. and estate planning, investments, Wells Fargo Bank Web site: 5801 W. 11th St., Suite 300 Greeley, CO 81237 E-mail: [email protected] specialized expertise. mortgage and consumer finance. 5801 W. 11th St. www.westernstatesbank.com Greeley, CO 80634 Phone: 970-356-7994 Person In Charge: Chuck Decker, Person In Charge: Chris Michael US Bank Person In Charge: Dan Gasper, Greeley, CO 80634 Products/Services: Business and Phone: 970-352-7990 Fax: 970-356-6128 President Otto 2845 Linden Court Community Banking President Phone: 970-356-1000 personal banking and loans. Fax: 970-352-1855 Loveland, CO 80538 Web site: www.wellsfargo.com Person In Charge: Larry Meier, E-mail: [email protected] Brock and Co. CPAs PC Dean Dunn & Associates Frank Sheehy PC Phone: 970-669-8044 Wells Fargo Products/Services: Full-service Regional president Web site: www.awhitney.com 3711 JFK Parkway, Suite 315 19 Old Town Square 717 16th St. Fax: 970-203-0408 320 E. Harmony Road bank. Mark Sheeley, Vice president Products/Services: Public Fort Collins, CO 80525 Fort Collins, CO 80524 Greeley, CO 80631 Web site: www.usbank.com Fort Collins, CO 80525 Person In Charge: Bill Kurtz, accounting firm. Phone: 970-223-7855 Phone: 970-482-4934 Phone: 970-353-3133 Products/Services: Banking. Phone: 970-493-3300 President Person In Charge: Larry Atchison, Fax: 970-223-3926 Fax: 970-482-4584 Fax: 970-353-1655 Fax: 970-416-8610 President E-mail: [email protected] US Bank Web site: www.wachovia.com Wells Fargo Bank Web site: www.brockcpas.com Debra K. Kohler CPA Frink & Associates PC 1275 Eagle Drive Person In Charge: Linda Cripps, 2164 35th Ave. Angeli, Delinger, Dye & Kercher Products/Services: Public 2854 W. Lake St. 150 E. 29th St Loveland, CO 80537 Branch manager Greeley, CO 80634 Western States Bank a branch LLC accounting services, small busi- Fort Collins, CO 80521-4045 Loveland, CO 80538 Phone: 970-461-0115 Phone: 970-336-6244 of Valley Bank and Trust Co., NE 760 Whalers Way ness consulting; business and Phone: 970-482-3008 Phone: 970-667-2123 Web site: www.usbank.com Wells Fargo Fax: 970-330-1004 1520 E. Mulberry St. Fort Collins, CO 80525 estate planning; construction. Fax: 970-669-3841 Products/Services: Banking. 4635 Centerplace Drive E-mail: Fort Collins, CO 80524 Phone: 970-229-0500 Industry, professionals, audit, Dennis L. Oberhelman CPA Greeley, CO 80634 [email protected] Phone: 970-530-1500 Fax: 970-229-0592 reviews and compilations; tax 3819St.VrainAve.,SuiteB Gates, Kirby & Co. PC US Bank Phone: 970-330-2946 Web site: www.wellsfargo.com Fax: 970-530-1555 Person In Charge: John W. Angeli, planning and preparation. Evans, CO 80620 300 E. Boardwalk Drive, Bldg. 5B 1520 Main St. Fax: 970-515-0112 Products/Services: Financial E-mail: Partner Person In Charge:SusanR. Phone: 970-506-9431 Fort Collins, CO 80525 Windsor, CO 80550 Web site: www.wachovia.com services. [email protected] Johnson, Director Fax: 970-506-9432 Phone: 970-226-1704 Phone: 970-686-0754 Person In Charge: Herbert Person In Charge: Bill Kurtz, Web site: B. Sue Wood and Associates PC E-mail: [email protected] Fax: 970-223-0157 Web site: www.usbank.com Sandler, CEO President www.westernstatesbank.com 527 Remington St. Carl Henderson CPA Products/Services: Certified pub- E-mail: [email protected] Products/Services: Banking. Products/Services: Personal and Fort Collins, CO 80524 5455 U.S. Hwy 36 lic accountant. Web site: www.gateskirby.com Wells Fargo Bank Wells Fargo Bank business banking and loans. Phone: 970-482-5626 Estes Park, CO 80517-8842 Person In Charge: Dennis L. Products/Services: Individual tax Valley Bank & Trust 2827 E. Harmony Road 2300 W. 16th St. Fax: 970-482-5629 Phone: 970-586-5008 Oberhelman return preparation and planning, 30N.FourthAve. Fort Collins, CO 80528 Greeley, CO 80634 Web site: bswpc.com Fax: 970-586-5009 corporation and partnership tax Brighton, CO 80601 Phone: 970-266-4420 Phone: 970-378-2362 Person In Charge: B. Sue Wood return preparation and planning. Phone: 303-659-5450 Web site: www.wellsfargo.com Fax: 970-353-9143 Carothers & Vlasman PC Audits, reviews and compilations. Fax: 659-4183 Products/Services: Banking, Web site: www.wellsfargo.com 3555 Stanford Road QuickBooks and general business Web site: www.valleybankand insurance, wealth management Products/Services: Full-service Fort Collins, CO 80525 consulting. trust.com and estate planning, investments bank. Phone: 970-223-7471 Person In Charge: Tom L. Gates, Person In Charge: Dave Jansen, and consumer finance. Person In Charge: Jill A. Sauter, Fax: 970-225-2464 President Branch president Person In Charge: Dan Gasper, Vice president President Bill Kurtz

September 16 — Embassy Suites Presents Sponsored by Contact De Dahlgren NCBR Marketing/Events Director 2010 [email protected] March 26-April 8, 2010 | www.businessreportdaily.com Northern Colorado Business Report | 7B

Geoffrey W. Goudy, CPA LLC Hoover Harris & Co. PC Kenneth Erickson Nancy Marzonie Rickards Long & Rulon LLP Sample & Bailey CPA PC Soukup, Bush & Associates CPAs Yudien, Fry & Associates PC 401 W. Mountain Ave., Suite 101 4075 W. 11th St. 4730 S. College Ave., Suite 201 3938 JFK Parkway 301 E. Olive St. 375 E. Horsetooth Road, Bldg. 4, PC 117 E. Mountain Ave., Suite 200 Fort Collins, CO 80521 Greeley, CO 80634 Fort Collins, CO 80525-3763 Fort Collins, CO 80525 Fort Collins, CO 80524 Suite 200 2032 Caribou Drive, Suite 200 Fort Collins, CO 80524 Phone: 970-472-9000 Phone: 970-352-1642 Phone: 970-226-2541 Phone: 970-223-5123 Phone: 970-493-6869 Fort Collins, CO 80525 Fort Collins, CO 80525 Phone: 970-484-9655 Fax : 970-472-9025 Fax : 970-352-0284 Fax : 970-225-1750 Fax : 970-223-5735 Fax : 970-484-1992 Phone: 970-223-8825 Phone: 970-223-2727 Fax : 970-232-1475 E-mail: [email protected] E-mail: Person In Charge: Nancy E-mail: [email protected] Fax : 970-223-0817 Fax : 970-226-0813 E-mail: [email protected] Web site: www.cspotcount.com [email protected] Knezovich and Williams CPAs Marzonie, Owner Web site: www.rlrcpas.com E-mail: E-mail: [email protected] Web site: www.yfacpa.com Products/Services: Accounting Web site: LLC Products/Services: CPA firm, [email protected] Web site: www.soukupbush.com Products/Services: Full-service and tax services for small and www.hooverharriscpa.com 109 Coronado Court Northern Colorado AgriBusiness business consultants, payroll serv- Web site: Products/Services: CPA firm. accounting, business consulting. micro-sized businesses. Products/Services: Complete Fort Collins, CO 80525 Inc. ices. www.sampleandbailey.com Person In Charge: Scott Bush, Person In Charge: Stephanie Person In Charge: Geoffrey payrolls processed, direct deposit Phone: 970-224-9900 124 Oak Ave. Person In Charge: Jill Rickards,A. Products/Services: Accounting, President Kimak, Partner Goudy, CPA available, payroll reports complet- Fax : 970-377-6767 Eaton, CO 80615-3410 Scott Rulon, Carla Pollock, Robert payroll, tax, financial services. ed. E-mail: [email protected] Phone: 970-454-3384 Dickerson Person In Charge: Roger L. Steven Delinger & James Dye Credit Unions Geyer & Associates CPAs Person In Charge: Wayne Hoover, Web site: www.kwcpallc.com Fax : 970-454-2325 Chris Nickels, Partners Sample, President 760 Whalers Way, Bldg. C, Suite 120 125 S. Howes St., Suite 1040 Principal Products/Services: Accounting E-mail: [email protected] Fort Collins, CO 80525 Fort Collins, CO 80521 services, income tax preparation, Products/Services: Accounting Rickards Long & Rulon LLP Schulz and Leonard PC Phone: 970-229-0500 Addison Avenue Credit Union Phone: 970-484-7040 Hunt, Spillman & Associates PC bookkeeping, business valuations for farms, ranches and businesses, 4631 W. 20th St., Suite 101 200 First St. Fax : 970-229-0592 3404 E. Harmony Road, Bldg. 1L Fax : 970-484-3826 125 S. Howes St., Seventh Floor and audits. tax preparation, business consult- Greeley, CO 80634 Eaton, CO 80615 Fort Collins, CO 80528 E-mail: [email protected] Fort Collins, CO 80521 Person In Charge: John Knezovich ing, QuickBooks setup and consult- Phone: 970-304-9420 Phone: 970-454-3371 Tax Van Inc. Phone: 970-223-6057 Web site: www.geyercpas.com Phone: 970-482-2272 Paul Williams, Managing members ing, financial statement prepara- Fax : 970-304-9421 Fax : 970-454-3465 1308 Robertson St. Web site: Person In Charge: Dana Geyer, Fax : 970-482-3231 tion. E-mail: [email protected] E-mail: Fort Collins, CO 80526 https://addisonavenue.com President E-mail: Kruchten & Co. PC Person In Charge: Dana Web site: www.rlrcpas.com [email protected] Phone: 970-482-7665 [email protected] 125 S. Howes St., Suite 910 Scheidecker Products/Services: CPA firm, Web site: Addison Avenue Credit Union Goetzel, Nickels & Co. LLC Web site: www.huntspillman.com Fort Collins, CO 80521 Cherri Scheidecker business consultants, payroll serv- www.SchulzandLeonard.com Thill & Associates CPA PC 1371 Sculptor Drive 4631W.20thSt.Road,No.101 Products/Services: Accounting, Phone: 970-482-6996 ices. Products/Services: Accounting 712 Whalers Way, Suite 300 Loveland, CO 80537 Greeley, CO 80634 auditing, tax, estate planning, Fax : 970-482-4704 Odstrcil & Meis CPAs PC Person In Charge: Jill Rickards,A. and income tax services. Fort Collins, CO 80525 Phone: 877-233-4766 Phone: 970-304-9420 financial planning, litigation sup- Person In Charge: John Kruchten, 1770 25th Ave., Suite 206 Scott Rulon, Carla Pollock, Robert Person In Charge: Roger L. Phone: 970-484-2755 Web site: Fax : 970-304-9421 port, consulting and forensic President Greeley, CO 80631 Dickerson Schulz, President Fax : 970-206-4556 https://addisonavenue.com E-mail: [email protected] accounting. Phone: 970-352-0661 Chris Nickels, Partners E-mail: [email protected] Products/Services: Certified pub- Person In Charge: Robert J. Hunt, Kruger & Clary CPAs PC Fax : 970-304-6850 Shelley Wagar CPA Web site: www.thillcpa.com Anheuser-Busch Employees lic accountants. Director 515 S. Howes St. E-mail: [email protected] Robert Green CPA PC 1703 Axial Drive Products/Services: Full-service Credit Union Person In Charge: Chris Nickels, Fort Collins, CO 80521 Web site: www.elocallink.tv/ 822 Seventh St., Suite 500 Loveland, CO 80538 bookkeeping and tax-accounting 1520 E. Mulberry St., Suite 100 Member Jenny’s Accounting Phone: 970-482-6947 profiles/co/greeley/9 Greeley, CO 80631-3933 Phone: 970-663-5345 firm. Fort Collins, CO 80524 480 Washington Ave. Fax : 970-472-4061 Person In Charge: Anita Meis, Phone: 970-353-2727 Person In Charge: Shelley Wagar, Person In Charge: Cindy Thill Phone: 970-221-4541 Gorsline Accounting Services Nunn, CO 80648 E-mail: [email protected] President Fax : 970-353-2946 Owner Denice Hill Fax : 970-221-4543 1630 25th Ave. Phone: 970-402-4050 Web site: www.krugercpas.com Person In Charge: Robert Green Greeley, CO 80634-4908 E-mail: [email protected] Products/Services: Tax prepara- Richard Bonilla MBA Shinn Consulting CPAs PC Tim Chavies & Associates Big Thompson Federal Credit Phone: 970-352-2850 Products/Services: Bookkeeping tion and planning, accounting 201 Cheyenne Drive Rodahl&Co.LLC 702 W. Drake Road, Bldg. D 1707 61st Ave., Suite 101 Union Fax : 970-352-2851 and tax preparation for personal services, QuickBooks consulting. Berthoud, CO 80513 2038 Vermont Drive, No. 101 Fort Collins, CO 80526 Greeley, CO 80634-7997 746 N. Cleveland Ave. and small businesses. Small business consulting. Phone: 970-391-6365 Fort Collins, CO 80525 Phone: 970-206-1435 Phone: 970-356-2284 Loveland, CO 80537 Halliburton, Hogsett, Scott & Person In Charge: Jenny Person In Charge: Melissa Clary, Fax : 970-532-0615 Phone: 970-207-0747 Fax : 970-494-7979 Fax : 970-353-9701 Phone: 970-669-4747 Associates PC Johnson, Owner President E-mail: [email protected] Fax : 970-207-0753 E-mail: E-mail: [email protected] Web site: 873 N. Cleveland Ave. Dale Kruger, Vice president Web site: www.richard.bonilla.com E-mail: [email protected] [email protected] Person In Charge: Tim Chavies, www.bigthompsonfcu.org Loveland, CO 80537 Products/Services: Accounting, Person In Charge: Dean Rodahl Web site: President and Owner Person In Charge: Anne T. Phone: 970-667-5316 Marquis, Emerson & Associates tax, cost accounting system and www.shinnconsultingcpas.com Hrdlicka, CEO Fax : 970-667-2269 2114 N. Lincoln St. design, DCAA, and ERP system Ruesch, Biddle & Larson CPAs Products/Services: Individual, Watkins & Schommer Inc. E-mail: [email protected] Loveland, CO 81237 evaluation and implementation. LLC business, estate, retirement and 3545 W. 12th St., Suite 201 Boulder Valley Credit Union Web site: www.hhsacpa.com Kennedy and Coe LLC Phone: 970-667-3132 Flat fee financial planning. 3535 W. 12th St., Suite D taxes and financial planning. Greeley, CO 80634 453 E. Wonderviews Ave. Products/Services: Tax planning 6125 Sky Pond Drive Suite 200 Fax : 970-667-5008 Person In Charge: Richard Bonilla Greeley, CO 80634 Person In Charge: Ralph T. Shinn, Phone: 970-352-1700 Estes Park, CO 80517 and preparation, estate tax plan- Loveland, CO 80538 Web site: www.lovelandcpa.com Phone: 970-353-1798 President Fax : 970-352-1708 Phone: 970-577-0750 ning, auditing and financial state- Phone: 970-685-3500 Richards & Richards Fax : 970-353-1799 E-mail: [email protected] E-mail: www.bvcu.org ment preparation. Fax : 970-663-0223 Myron Lindgren 220 E. Mulberry St. E-mail: Siebert & Associates PC Web site: http://wnscpas.com Person In Charge: Dennis J. E-mail: [email protected] 2903 Aspen Drive, Suite C Fort Collins, CO 80524 [email protected] 8219 W. 20th St., Suite B Products/Services: Audit, tax, Brighton Cooperative Hogsett, CPA Web site: www.kcoe.com Loveland, CO 80538-2545 Phone: 970-493-5494 Web site: www.rblcpasllc.com Greeley, CO 80634 consulting. 195 S. Kuner Road Products/Services: Business con- Phone: 970-669-3610 Fax : 970-416-5798 Products/Services: CPA firm. Phone: 970-353-3750 Person In Charge: Dan Schommer Brighton, CO 80601 Hanna, Holdredge & Associates sulting, accounting and audit serv- Fax : 970-669-3715 E-mail: [email protected] Person In Charge: William R. Fax : 970-353-3752 Randy Watkins Phone: 303-659-7014 CPA PC ices, tax planning, tax preparation, Web site: Ruesch, Partner E-mail: [email protected] Fax : 303-659-6715 365E.27thSt. estate and retirement planning. Mueller & Associates CPA www.richardscpafirm.com Products/Services: Certified pub- William Cheedle PC E-mail: [email protected] Loveland, CO 80538 Industry expertise in manufactur- 1717 Madison Ave., Suite. 2 lic accountants and consultants. 117 E. Mountain Ave. Web site: www.brightonfcu.com Phone: 970-667-2555 ing, construction, agriculture, Loveland, CO 80538 Person In Charge: William J. Fort Collins, CO 80524 Products/Services: Financial Fax : 970-669-9494 financial institutions and profes- Phone: 970-667-1070 Siebert, President Phone: 970-484-4411 services. E-mail: [email protected] sional services. Fax: 970-667-1316 Fax : 970-493-8438 Person In Charge: Noni Koabza, Web site: www.lovelandcpas.com Person In Charge: Jeff Wald, Web site: www.mueller-cpa.com Person In Charge: William Manager Products/Services: Accounting, Member Person in charge: Paul & Teresa Cheedle, Owner tax preparation, payroll services Mueller and QuickBooks consulting. Person In Charge: Sandra L. Hanna, Owner, President

Brown & Brown Insurance – Is SBA Financing Get to Right for You? Know Us! We can help you apply and qualify for an SBA* LoanA*

t 'JOBODJOH JT BWBJMBCMF GPS TUBSUJOH PS FYQBOEJOH B CVTJOFTT BT XFMM BT QVSDIBTJOH UIF CVJMEJOH JO XIJDI ZPV PQFSBUF Local knowledge backed by the resources of the nation’s t 'MFYJCMF SFQBZNFOU UFSNT BOE DPOEJUJPOT BWBJMBCMF 7th largest insurance agency — t 'MFYJCMF SFQBZNFOU UFSNT BOE DPOEJUJPOT BWBJMBCMF we have the tools to get you t #PSSPXFST 4#" HVBSBOUZ GFF XBJWFE UISPVHI %FDFNCFS and your business the right Our banks have earned the prestigious Preferred Lender Program designation. coverage at the right price.

Commercial Property & Casualty Worker’s Comp Employee Beneﬁts Contract Bonds Personal Lines

Loveland Bank of Commerce Fort Collins Commerce Bank Larimer Bank of Commerce 102 East 29th Street 3700 South College Avenue, Unit 102 &BTU .VMCFSSZ 4USFFU 6OJU # -PWFMBOE $0 Fort Collins, CO 80525 Fort Collins, CO 80524 970.679.7150 970.204.1010 970.224.7200 XXXMPWFMBOECBOLPGDPNNFSDFDPN www.fortcollinscommercebank.com www.larimerbank.com

Fort Collins & Steamboat (970) 482-7747 -PBOT TVCKFDU UP DSFEJU BQQSPWBM 8B | Northern Colorado Business Report www.ncbr.com | March 26-April 8, 2010

Brighton Federal Credit Union Public Service Credit Union Allstate Financial Services Brooke Insurance Ewing Leavitt Insurance Agency Floyd Insurance Agency Insurance Management Services 562 N. Seventh Ave. 2529 N. Lincoln Ave. 363 W. Drake Road 2801 Milestone Drive, Suite 200 Inc. 143 E. Harvard St. Inc. Brighton, CO 80601 Loveland, CO 80538 Fort Collins, CO 80524 Fort Collins, CO 80525 4025 St. Cloud Drive, Suite 100 Fort Collins, CO 80525 1730 S. College Ave. Phone: 303-659-6600 Phone: 970-416-5000 Phone: 970-223-1332 Phone: 970-212-3323 Loveland, CO 80538 Phone: 970-420-8625 Fort Collins, CO 80525 Fax: 303-659-5605 Fax: 970-416-5006 Fax: 970-226-6991 Fax: 970-212-3301 Complete Spectrum Financial Phone: 970-679-7333 Fax: 970-482-1925 Phone: 970-407-9800 Web site: www.brightonfedcu.org Web site: www.pscu.org E-mail: [email protected] E-mail: Services Fax: 866-456-4265 E-mail: [email protected] Fax: 970-472-0904 Person In Charge: Roxene R. Auen Person In Charge: Dave Maus, Web site: [email protected] 1635 Foxtrail Drive Web site: www.ewing-leavitt.com E-mail: [email protected] CEO www.allstateagencies.com/James Web site: Loveland, CO 80538 Products/Services: Commercial Freedom Care Inc. Web site: www.divesecure.com College Credit Union of Greeley Michalka/Welcome/ www.brookeagent.com/MIG Phone: 970-391-0462 and personal insurance sales and 1720 W. Mulberry St., Suite B Products/Services: Insurance for 1503 Ninth Ave. Public Service Credit Union Person In Charge: James I. Products/Services: Commercial Fax: 970-587-4009 service; Group Health Insurance; Fort Collins, CO 80524 individuals and business in the Greeley, CO 80631 422 Main St. Michalka, Agency Principal insurance - property, liability, busi- E-mail: [email protected] bonding. Phone: 970-498-0946 scuba diving industry. Phone: 970-330-3900 Windsor, CO 80550 ness auto, workers’ compensation, Web site: Person In Charge: Steve Ewing, Person In Charge: Carol Christini, Fax: 970-330-3609 Phone: 970-416-5000 AmeriQuote Insurance & E&O, D&O. www.complete-spectrum.com and Executive vice president Front Range Insurance Group President Web site: www.collegecu.org Fax: 970-416-5006 Financial Services Person In Charge: John Hintzman www.completespectrumlending.com LLC Web site: www.pscu.org 419 Canyon Ave., Suite 222 Jeff Krebs, Members Products/Services: We help fami- Farm Bureau Financial Services 1100 Haxton Drive, Suite 100 Insurance Specialities of Fort College Credit Union of Greeley Person In Charge: Dave Maus, Fort Collins, CO 80521 lies grow what they’ve earned, pay 2525 W. 16th St., Suite D Fort Collins, CO 80525 Collins 2901 S. 27th Ave. CEO Phone: 970-221-1141 less taxes, and keep what they’ve Greeley, CO 80634 Phone: 970-223-1804 148 W. Oak St. Greeley, CO 80631 Fax: 970-482-3282 grown. We specialize in Safe Phone: 970-353-8000 E-mail: [email protected] Fort Collins, CO 80524 Phone: 970-330-3900 State Farm Insurance Co. Credit E-mail: [email protected] Money Strategies. Our services are Fax: 970-353-8010 Web site: www.frig.net Phone: 970-490-1530 Fax: 970-330-3609 Union Web site: www.ameriquote.biz free and we offer free financial Person In Charge: Scott Kent Products/Services: Home, auto, Fax: 970-495-6769 Web site: www.collegecu.org 3001 Eighth Ave. Products/Services: Independent Brown & Brown of Colorado education classes weekly. Pearcey RV, commercial, business and E-mail: [email protected] Products/Services: Banking Greeley, CO 80638 brokerage, licensed with all major 125 S. Howes St., Fifth Floor Person In Charge: Bobbie Zink, employee benefits, life and health Web site: Person In Charge: Walt Marx, Phone: 970-351-5361 “A” rated companies, specially Fort Collins, CO 80521 Vice president Farm Bureau Insurance insurance. www.insurance-specialties.us President/CEO Person In Charge: John Boyd designed to meet the needs of all Phone: 970-482-7747 335 E. Mountain Ave. Person In Charge: John W. Bell Products/Services: Health, types of people. Fax: 970-484-4165 Country Cos. Insurance Fort Collins, CO 80524 Dave Wooldridge renters, auto and home insurance. Colorado State Employees Weld Schools Credit Union Person In Charge: Jack P. Krier, E-mail: [email protected] 2120 S. College Ave., Suite 10 Phone: 970-482-3952 Steve Smith Credit Union 2555 47th Ave. President Web site: www.bbinsurance.com Fort Collins, CO 80525 Fax: 970-482-3963 Sue Roberts, Owners Integra Insurance 2505 11th Ave. Greeley, CO 80634 Products/Services: Full lines Phone: 970-416-5889 Web site: www.cfbmic.com 3008 Avena Court Greeley, CO 80631-6927 Phone: 970-330-9728 American General Life property, casualty and employee Fax: 970-416-5890 Products/Services: All lines of Glen Wall Insurance Services Fort Collins, CO 80528 Phone: 970-350-0880 Fax: 970-330-1668 213 Bothen Road benefits. farm and ranch insurance. Inc. Phone: 970-217-3273 Fax: 970-304-4916 E-mail: [email protected] Berthoud, CO 80513 Person In Charge: Scott Mayor, Country Insurance & Financial Person In Charge: Jim Miller, 911 28th Ave. Products/Services: Health and Web site: www.weldschoolscu.com Phone: 970-532-0277 Executive vice president Services Local agent Greeley, CO 80634 life insurance. Longs Peak Credit Union Person In Charge: Steve Sanborn Fax: 970-532-0277 2625 Redwing Road, Suite 250 Phone: 970-353-2020 1661 Estrella Ave. Person In Charge: J. Arlyn Dumler Burrill Financial Service Fort Collins, CO 80526-6325 Farm Bureau Insurance Fax: 970-353-9224 J-9 Crop Insurance Agency LLC Loveland, CO 80538 Insurance P.O. Box 143 Phone: 970-416-5889 1067 Eagle Drive 217 First St. Phone: 970-667-8585 Anthem Blue Cross / Blue Shield Fort Collins, CO 80522-0143 Fax: 970-416-5890 Loveland, CO 80537 Golden Age Benefits Ault, CO 80610 Web site: www.lpcu.org 3665 JFKParkway Building 2, Suite Phone: 970-221-2492 E-mail: Phone: 970-461-0278 2009 Ninth St., Suite 6 Phone: 970-834-1160 Person In Charge: Lisa Cortese, 1st National Bank 100 Fax: 970-221-3201 [email protected] Fax: 970-461-0230 Greeley, CO 80631 Fax: 970-834-0348 CEO 1218 Eighth Ave. Fort Collins, CO 80525 Person In Charge: Donna J. Burrill [email protected] E-mail: [email protected] Phone: 970-356-6595 E-mail: [email protected] Greeley, CO 80631 Web site: www.anthem.com Products/Services: Medicare sup- Web site: www.fbfs.com Web site: Products/Services: Crop insur- Longs Peak Credit Union-East Phone: 970-352-9500 Carol Cowan Insurance Agency plement, disability income, long- Person In Charge: Holly Diedrich www.coinsuranceonline.com ance. Branch Fax: 970-352-9206 Assurity Financial 421 S. Howes St., No. 507 term care, annuities, renters, auto, Person In Charge: Janine 2495 E. 13th St. E-mail: [email protected] 155 W. Harvard St. Fort Collins, CO 80521-2868 business, home, life, retirement. Farmers Financial Services Gollhofer Financial Freeman Loveland, CO 80538 Products/Services: Full-service Fort Collins, CO 80525 Phone: 970-407-1445 Person In Charge: David L. 1500 Bayberry Court 1401 S. Taft Ave., No. 210 Mike Freeman, Owners Phone: 970-622-9956 insurance agency specializing in Phone: 970-223-1921 Fax: 970-482-1890 Wiegand Fort Collins, CO 80524 Loveland, CO 80537 Fax: 970-461-4548 farms, commercial and personal Fax: 970-223-2875 Person In Charge: Carol A. Cowan John Silverstein Phone: 970-218-1080 Phone: 970-613-9098 James E. Comer Insurance Web site: www.lpcu.org insurance. Person In Charge: Daniel B. Fax: 970-593-1413 Fax: 970-663-3216 Agency Inc. Person In Charge: Sondra S. Person In Charge: Chuck Zieman, Johnson Centennial Benefits Group LLC Country Insurance & Financial Person In Charge: Nathan A. Products/Services: Annuity, life 1008 Driftwood, Suite B Koberstein Owner 4812 S. College Ave. Services Pierce insurance, long-term care, group Fort Collins, CO 80525 AXA Advisors LLC Fort Collins, CO 80525 1075 W. Horsetooth Road, Suite 200 health, individual health, disability Phone: 970-204-1100 Longs Peak Credit Union-South AAA Colorado 702 W. Drake Road, Bldg. D Phone: 970-377-6384 Fort Collins, CO 80526 Farmers Insurance Group insurance, mortgage qualification, Fax: 970-204-1404 Branch 3636 S. College Ave., Unit 2 Fort Collins, CO 80526 Fax: 970-377-6386 Phone: 970-221-9655 2627 Redwing Road, No. 260 substandard life, medicare supple- Web site: 150 14th St. S.W. Fort Collins, CO 80525 Phone: 970-224-2800 E-mail: [email protected]; Fax: 970-221-1372 Fort Collins, CO 80526 ment. http://agent.allstate.com/James Loveland, CO 80538 Phone: 970-223-1111 Fax: 970-224-2787 [email protected] Web site: Phone: 970-472-1002 Person In Charge: Jason P. Comer Phone: 970-667-0344 Fax: 970-223-2788 Web site: www.axaonline.com Web site: www.mycbg.com www.countryfinancial.com Fax: 970-377-9517 Gollhofer Products/Services: Allstate insur- Fax: 970-667-0373 Web site: www.aaa.com Person In Charge: John Heddens Products/Services: Group and Products/Services: Financial Person In Charge: Benjamin S. ance and financial products. Web site: www.lpcu.org Products/Services: Insurance, air, individual health and life insur- services. Morgan Person In Charge: James E. Person In Charge: Sondra S. tours, cruises, vacation packages, AXA Advisors LLC ance benefits. HR and benefits Person In Charge: Brian Lacey, Comer Koberstein rental car and hotel reservations. 3003 E. Harmony Road, Suite 310 advisors. Agency manager Farmers Union Insurance Full-service insurance and travel Fort Collins, CO 80528 Person In Charge: Jason Jarvis, 60S.27thAve. JBA Wealth Management Group Norbel Credit Union agency. Phone: 970-204-9276 Managing partner/advisor Crossroads Insurance Inc. Brighton, CO 80601 GrowSecure Inc. QA3 LLC 1025 E. Swallow Road Person In Charge: Tami Morgan, Fax: 970-221-8506 119 Second Ave. Phone: 303-659-9065 1405 W. 29th St. 155 W. Harvard St., Suite 401 Fort Collins, CO 80525 Manager E-mail: Choice Plus Insurance Ault, CO 80610 Fax: 303-659-6046 Loveland, CO 80538 Fort Collins, CO 80525 Phone: 970-206-9666 [email protected] 2629 Redwing Road, Suite 310 Phone: 970-834-1337 E-mail: Phone: 970-669-1225 Phone: 970-223-1922 Fax: 970-204-9969 ABC Insurance Web site: http://www.matthew- Fort Collins, CO 80526 Fax: 970-834-1393 [email protected] E-mail: [email protected] Fax: 970-223-2875 E-mail: [email protected] 121 E. Swallow Road, No. 115 phillips.myaxa-advisors.com Phone: 970-226-3416 E-mail: cwiederspan@crossroads Products/Services: Home, auto, Web site: www.growsecure.com E-mail: [email protected] Web site: www.norbel.org Fort Collins, CO 80525 Products/Services: Financial Fax: 970-267-8767 insurance.com farm, commercial. Serving the Products/Services: Insurance and Web site: www.johnsonbruen.com Person In Charge: Edwin Bigby Jr., Phone: 970-484-3200 planning, investment advising, E-mail: [email protected] Products/Services: Independent farm community for over 60 years. annuities. Financial services to Products/Services: Life, health, President Fax: 970-484-3210 insurance solutions including life, Web site: www.choiceplusins.com insurance agency specializing in Person In Charge: Michael Schliep retirees in Northern Colorado. We disability and long-term care disability, long-term care. Products/Services: Group and agribusiness. serve Fort Collins, Loveland, insurance. IRAs, Mutual funds, Norbel Credit Union - Greeley ABC Insurance/National Farmers Person In Charge: Matt Phillips, individual health, life, disability, Person In Charge: Curt Farmers Union Service Greeley, Estes Park, Windsor, etc. bonds, common stock, annuities, 1220 Ninth Ave. Union Insurance Financial Professional Medicare supplements, accident, Wiederspan, President 827 11th St., Suite B college plans, estate plans, 401(k)s, Greeley, CO 80631-4018 619 S. College Ave., Suite 4-B dental and critical illness insur- Greeley, CO 80631-4019 Heaberlin Insurance Agency retirement plans, tax plans, money Phone: 970-353-1082 Fort Collins, CO 80524 AXA Advisors LLC ance. Crowfoot Insurance Agency Phone: 970-352-6448 5641 Taylor Lane management. Fax: 970-336-6543 Phone: 970-484-3200 1136 E. Stuart St., Suite 4205 Person In Charge: Chris Davies, 1750 25th Ave. Fax: 970-356-6939 Fort Collins, CO 80528 Person In Charge: Daniel B. E-mail: [email protected] Fax: 970-484-3210 Fort Collins, CO 80525-1193 CSA Greeley, CO 80631 E-mail: Phone: 970-226-0111 Johnson Web site: www.norbel.org Person In Charge: Chuck Noland, Phone: 970-484-8626 Phone: 970-353-2291 [email protected] Fax: 970-226-0112 Barb Bruen Person In Charge: Edwin Bigby Jr., Agent Fax: 970-484-8627 Clay Insurance & Financial Fax: 970-353-1269 Web site: Person In Charge: James C. President Web site: www.axaonline.com Services LLC www.farmersunioninsurance.com Heaberlin Jeff Combs Group Inc. AIG VALIC Person In Charge: Michael J. 421 Main St. Daniel Insurance Agency Products/Services: Broker for 4020 S. College Ave., No. 4 Norbel Credit Union - Loveland 2625 Redwing Road, Suite 110 Bertolette Windsor, CO 80550 2627 Redwing Road, Suite 330 National Farmers Union Insurance, Helfrich & Associates Inc. Fort Collins, CO 80525 1531 N. Lincoln Ave., Suite D Fort Collins, CO 80526 Phone: 970-686-6839 Fort Collins, CO 80526 serving Colorado and Wyoming. 1120 38th Ave., Suite 2 Phone: 970-223-8171 Loveland, CO 80538-3825 Phone: 970-266-4200 Barry Gustafson Agency Inc. Fax: 970-686-6859 Phone: 970-223-5902 Person In Charge: Doug Frye, Greeley, CO 80634 Fax: 970-223-2521 Phone: 970-206-9666 Fax: 970-266-4210 1442 N. Taft Ave. E-mail: [email protected] E-mail: [email protected] Agent Phone: 970-353-8572 Web site: Fax: 970-663-6709 Loveland, CO 80538 Web site: Products/Services: Business, Fax: 970-353-9733 http://agent.allstate.com/JEFFCOMBS E-mail: [email protected] AIG-American General Phone: 970-669-9390 www.farmersagent.com/cclay workers compensation, home, Financial Strategies of Colorado E-mail: [email protected] Products/Services: Allstate insur- Web site: www.norbel.org 264 Camino Del Mundo Fax: 970-669-9704 Products/Services: Insurance and auto, motorcycle and flood insur- 1401 S. Taft Ave., No. 210 Web site: ance and financial products. Person In Charge: Edwin Bigby Jr., Fort Collins, CO 80524 Products/Services: All lines of financial services. ance. Loveland, CO 80537 http://agent.allstate.com/SueHelfrich Person In Charge: Jeff Combs President Phone: 970-482-2385 insurance, commercial & personal Person In Charge: Christopher M. Person In Charge: Carl Daniel, Phone: 970-663-3211 Products/Services: Allstate insur- Fax: 970-416-1333 lines, auto loans, commercial loans Clay, Agent Owner Fax: 970-663-3216 ance and financial products. John C. Beckett & Associates Public Service Credit Union E-mail: [email protected] and second mortgages. Person In Charge: Gary W. Hansen Person In Charge: Sue Helfrich, Inc. 2545 Research Blvd. Products/Services: Life insur- Person In Charge: Barry Colorado BWInsurance Agency Dennis L. Breitbarth Insurance Principal agent 220 Smith St. Fort Collins, CO 80526 ance, annuities, investments. Gustafson Inc. Agency Fort Collins, CO 80524-2942 Phone: 970-416-5000 Person In Charge: Larry Siegfried, 1075 W. Horsetooth Road, Suite 106 208E.29thSt. Howell Insurance Agency LLC Phone: 970-484-2805 Fax: 970-416-5006 District Leader Berman Financial Group Fort Collins, CO 80526 Loveland, CO 80538-2742 816 S. College Ave. Fax: 970-484-2885 Web site: www.pscu.org 2030 35th Ave. Phone: 970-223-0924 Phone: 970-663-3790 Fort Collins, CO 80524-3302 E-mail: [email protected] Person In Charge: Dave Maus, Aigean Financial Greeley, CO 80634 Fax: 970-267-2231 Person In Charge: Dennis L. Flood & Peterson Insurance Inc. Phone: 970-482-2200 Web site: CEO 2629 Redwing Road Phone: 970-475-1550 E-mail: Breitbarth 4821 Wheaton Drive Fax: 970-482-2427 www.beckettinsurance.com Fort Collins, CO 80526-6330 Fax: 970-475-1551 [email protected] Fort Collins, CO 80525 Web site: Products/Services: Insurance and Public Service Credit Union Phone: 970-229-0930 E-mail: [email protected] Products/Services: Commercial Denton Insurance Agency Inc. Phone: 970-266-7132 http://agent.allstate.com/LarryHowell bonds for every need. 700 Whalers Way Fax: 970-229-0212 Products/Services: Group health property and casualty, life and dis- 205 Park Lane, Suite 207 Fax: 970-266-7143 Products/Services: Allstate insur- Person In Charge: Tim Beckett, Fort Collins, CO 80525 Person In Charge: Robert D. and life insurance. ability insurance and personal Estes Park, CO 80517 E-mail: ance and financial products. President Phone: 970-416-5000 Deakin Person In Charge: Bruce Berman lines. Phone: 970-586-2989 [email protected] Person In Charge: Larry L. Howell, Fax: 970-416-5006 Person In Charge: Gary Carlson, Fax: 970-586-8646 Web site: www.fpinsurance.com LUTCF Kiskis Insurance Agency Inc. Web site: www.pscu.org Albrecht Farmers Insurance Beth Glassmeyer Insurance Manager Products/Services: Employee 125 S. Howes St. Person In Charge: Dave Maus, 525 N. Denver Ave. 2629 Redwing Road, Suite 114 Eastwood Insurance Agency benefits, group health, commer- HSA for America Fort Collins, CO 80521 CEO Loveland, CO 80537 Fort Collins, CO 80526 Colorado Farm Bureau - Greeley 1221 28th Ave., No. 1 cial, personal 2261 Shawnee Court Person In Charge: Joyce Kiskis, Phone: 970-669-4469 Phone: 970-223-5166 Office Greeley, CO 80634 insurance.Commercial insurance Fort Collins, CO 80525 Owner Public Service Credit Union Fax: 970-663-6801 Fax: 970-223-8947 2525W.16thSt. Phone: 970-346-1446 (small to large companies), Phone: 800-707-9849 319 S. Meldrum St. Person In Charge:BethM. Greeley, CO 80634 Products/Services: Specializing employee benefits, health insur- Fax: 866-284-0082 Kissock & Cram Inc. Fort Collins, CO 80521 All Risk Insurance Glassmeyer Phone: 970-353-8000 in senior health insurance. ance, personal insurance, life E-mail: 2427 S. College Ave., Suite A1 Phone: 970-416-5000 2918 W. 11th Ave. Fax: 970-353-8010 Person In Charge: Marypat insurance, surety bonds. [email protected] Fort Collins, CO 80524 Fax: 970-416-5006 Greeley, CO 80631 Bischoff Insurance Agency Inc. Eastwood Person In Charge: Chris Web site: www.hsaforamerica.com Phone: 970-226-3898 Web site: www.pscu.org Phone: 970-353-4200 151S.MainSt. Colorado Farm Bureau Insurance Willie Eastwood Richmond, President Products/Services: Individual and Fax: 970-226-3929 Person In Charge: Dave Maus, Fax: 970-353-4265 Brighton, CO 80601 5312 W. Ninth St., No. 140 family health insurance plans, CEO Phone: 303-659-3603 Greeley, CO 80634 Edward Vojensky Financial including plans qualified to work Klipp Insurance Allstate Financial Services Phone: 970-353-8000 Service with health savings accounts (HSAs). 2930W.StuartSt.,No.7 Public Service Credit Union 7791 Highland Meadows Parkway, Bob Snyder Insurance Agency Fax: 970-353-8010 126 W. Harvard St., No. 3 Fort Collins, CO 80526 2503 Research Blvd. No. C Inc. Web site: www.cfbmic.co Fort Collins, CO 80525-2142 Insurance Associates of Estes Phone: 970-381-8973 Fort Collins, CO 80526 Fort Collins, CO 80528 1135 N. Lincoln Ave., No. 2 Products/Services: All types of Phone: 970-226-4314 Flood & Peterson Insurance Inc. Inc. Fax: 970-472-9556 Phone: 970-416-5000 Phone: 970-377-8091 Loveland, CO 80537 insurance. Fax: 970-226-1559 4687 W. 18th St. 363 E. Elkhorn Ave., Suite 200 Person In Charge: Jason D. Klipp, Fax: 970-416-5006 Phone: 970-461-5060 E-mail: [email protected] Greeley, CO 80634 Estes Park, CO 80517 Owner Web site: www.pscu.org Allstate Financial Services Fax: 970-461-5061 Colorado Farm Bureau Mutual Person In Charge: Edward George Phone: 970-356-0123 Phone: 970-586-4407 Person In Charge: Dave Maus, 816 S. College Ave. E-mail: Insurance Co. Vojensky Jr. Fax: 970-330-1867 Fax: 970-586-3370 Koenig Financial Services CEO Fort Collins, CO 80528 [email protected] 335 E. Mountain Ave. E-mail: [email protected] E-mail: 3534 JFKParkway, Suite B Phone: 970-482-2200 Web site: Fort Collins, CO 80524 Employee Benefit Plus Web site: www.fpinsurance.com [email protected] Fort Collins, CO 80525-3040 Public Service Credit Union Web site: www.lovelandinsurance.com Phone: 970-482-3952 1905 W. Eisenhower Blvd. Products/Services: : Employee Web site: Phone: 970-223-2828 900 S. Lemay Ave. http://agent.allstate.com/Rodney Products/Services: Auto, home, Web site: www.cfbmic.com Loveland, CO 80537 benefits, group health, commer- www.insurance-associates.com Fax: 970-223-7040 Fort Collins, CO 80524 Olsen/Welcome life, business insurance. Phone: 970-679-0119 cial, personal Products/Services: Insurance for Person In Charge: Jim Koenig Phone: 970-416-5000 Person In Charge: Rodney J. Person In Charge: Bob Snyder insurance.Commercial insurance natural disasters, loss of Fax: 970-416-5006 Olsen (small to large companies), income/business interruption, trans- Web site: www.pscu.org Bowers Insurance Agency employee benefits, health insur- portation and truckers, property, Person In Charge: Dave Maus, 1244 N. Lincoln Ave. ance, personal insurance, life business automobile, machinery. CEO Loveland, CO 80537 insurance, surety bonds. Person In Charge: Shelly Doggett, Phone: 970-667-7454 Person In Charge: Chris Agent Fax: 970-663-5471 Richmond, President March 26-April 8, 2010 | www.businessreportdaily.com Northern Colorado Business Report | 9B

Lacock Insurance Agency Northwestern Mutual Financial Sanders & Associates Thrivent Financial for Lutherans 181 W. Boardwalk Drive, Unit 14 Services 3944 John F. Kennedy Parkway 3926 JFKParkway No. 9E Fort Collins, CO 80525 3665 JFKParkway, Bldg 1, Suite 100 Fort Collins, CO 80525 Fort Collins, CO 80525 NEED COMMERCIAL LENDING Phone: 970-223-7432 Fort Collins, CO 80525-3152 Phone: 970-223-8809 Phone: 970-225-6169 Fax: 970-282-8848 Phone: 970-225-3474 Fax: 970-223-6763 Fax: 970-225-0844 FOR YOUR PROJECT? Products/Services: Financial Fax: 970-226-5036 E-mail: [email protected] E-mail: [email protected] services and personal insurance. E-mail: [email protected] Web site: Web site: www.thrivent.com Person In Charge: Bill Lacock, Web site: www.healthandlifequote.com Products/Services: Annuities, President www.nmfn.com/thefortcollinsgroup Products/Services: Health, life, insurance, investment, banking, We have funds Products/Services: Financial disability, dental, long-term care, retirement, financial planning. Lanteri Insurance Agency Inc. Services and Financial Planning, medicare, prescriptions for Person In Charge: Paul Caylor 1002 W. Drake Road, No. 101 Insurance, Investment medicare. available for Fort Collins, CO 80526 Management Person In Charge: Craig V. Thrivent Investment Phone: 970-482-0078 Person In Charge: Ryan E. Yoder, Sanders Management Fax: 970-482-0472 Managing director 1812 56th Ave., Suite A commercial projects or Web site: Paul Z. Watkins, Owner Sanders Insurance Inc. Greeley, CO 80634 http://agent.allstate.com/MLanteri 5N.MainSt. Phone: 970-330-7411 purchases of any size. Products/Services: Allstate insur- One Stop Insurance Shops LLP Brighton, CO 80601-1624 Fax: 970-330-7424 ance and financial products. 1630 S. College Ave. Phone: 303-659-5200 E-mail: [email protected] Person In Charge: Michael Lanteri Fort Collins, CO 80526 Fax: 303-659-5200 Web site: www.thrivent.com Phone: 970-482-8200 E-mail: [email protected] Products/Services: Life insur- Larimer County Farm Bureau Fax: 970-225-9828 Products/Services: Health, life, ance, health insurance, long-term 335 E. Mountain Ave. auto, homeowners, business, farm care insurance, mutual funds, Fort Collins, CO 80524 Payne Agency and flood insurance. annuities, investments, financial Phone: 970-482-3952 1714 Topaz Drive, No.135 Person In Charge: Jerry Sanders planning, estate planning, retire- Fax: 970-482-3963 Loveland, CO 80537 Bob Sanders ment distribution planning. Phone: 970-691-5145 Person In Charge: Daniel L. LBN Insurance Agency Fax: 970-593-1413 Shirazi & Associates Inc. Austin, Senior financial consultant 4848 Thompson Parkway Web site: 1770 25th Ave., No. 302 Johnstown, CO 80534 www.farmersagent.com/kpayne1 Greeley, CO 80634 Trozan Insurance Agency Inc. Phone: 970-635-9400 Person In Charge: Kendall Hanlon Phone: 970-356-5151 421 Stover St. Call Dave Biesemeier:720-480-5825 www.complete-spectrum.com Fax: 970-635-9401 Payne Fax: 970-356-5154 Fort Collins, CO 80521 E-mail: [email protected] E-mail: [email protected] Phone: 970-224-5500 Web site: www.lbninsurance.com Portamedic Products/Services: Specializing Person In Charge: Peter Trozan, Products/Services: Bonds, 3527 E. Locust St . in employee benefits, financial Owner builders risk, business insurance, Fort Collins, CO 80525-7063 planning, life, health and disability farm/ranch general liability, home- Phone: 970-491-9661 insurance. Union Central Life Insurance Co. owners, personal auto, profession- Person In Charge: Masoud S. 1936 Kedron Court al, umbrella liability, workers com- Poudre Financial Solutions Shirazi Fort Collins, CO 80524-2255 Developing Strategies to Help Preserve Your Wealth pensation. 1027 W. Horsetooth Road, Suite 202 Phone: 970-482-6909 Person In Charge: Mike Pierce, Fort Collins, CO 80526 Skies West Insurance Agency Person In Charge: Myron M. Principal Phone: 970-206-4740 Inc. Braden Tested Professionals with Fax: 970-206-0473 2601 S. Lemay Ave., No. 38 Leary Insurance Agency - Web site: Fort Collins, CO 80525 Vande Walle Insurance Agency Diverse Resources Focused on Farmers Insurance http://agent.allstate.com/JANELand Phone: 970-223-7611 2230 Clydesdale Drive 729 Main St. wehr Fort Collins, CO 80526 Your Financial Goals Windsor, CO 80550 Products/Services: Allstate insur- State Farm Insurance – Central Phone: 970-482-4814 Phone: 970-686-6555 ance and financial products. building Fax: 970-493-2880 Over 60 Yearsof Fax: 970-686-6556 Person In Charge: Jane F. 1555 Promontory Circle E-mail: [email protected] E-mail: [email protected] Landwehr Greeley, CO 80638 Products/Services: Group and Combined Experience Web site: Phone: 970-395-5000 individual health, health savings www.farmersagent.com/bleary Precision Financial Fax: (970) 395-5424 accounts, Medicare supplemental Products/Services: Insurance - 600 Dartmouth Court E-mail: plans. Contact us today to schedule a specializing in commercial, work- Fort Collins, CO 80526 [email protected] Person In Charge: Sandy Vande ers’ comp, auto, home and life. Phone: 970-267-3402 Web site: www.statefarm.com Walle, Owner confidential, no-obligation Person In Charge: Bill Leary Fax: 970-267-3403 Products/Services: Life, fire, appointment or portfolio review. E-mail: [email protected] auto, health, financial services. Vision Financial Group Liberty Mutual Insurance Co. Person In Charge: Michael T. Locations throughout Larimer and 4802 Prairie Ridge Drive Charles Bouchard Kari Boxleitner 712 Whalers Way, Suite A200 O’Brien Weld counties. Fort Collins, CO 80526 Managing Director/Investment Officer Financial Advisor Fort Collins, CO 80525 Phone: 970-482-2000 [email protected] CERTIFIED FINANCIAL PLANNER™ Phone: 970-493-8212 Renaissance Insurance Group Steve Dugger Agency Web site: [email protected] LLC 404 W. 67th St. www.visionfinancialgroup.net MetLife Financial Services 101 E. Main St. Loveland, CO 80538 Person In Charge: Rodney K. Tony Ripsam Roger Bates 1901 56th Ave., No. 100 Windsor, CO 80550 Phone: 970-667-8080 Wilson First VP/Investment Officer Financial Advisor www.bbrb.wfadv.com Greeley, CO 80634 Phone: 970-674-8825 Fax: 970-667-8081 CERTIFIED FINANCIAL PLANNER™ [email protected] 970.669.8200 Phone: 970-330-2200 Fax: 970-674-8826 Person In Charge: Stephen W. Vision Financial Group [email protected] Fax: 970-667-6828 E-mail: [email protected] Dugger 1336 Oakridge Drive Wells Fargo Advisors, LLC, Member SIPC Person In Charge: Richard Beckey Web site: www.reninsurance.com Fort Collins, CO 80525-5564 Products/Services: Independent Stevens Insurance Agency Phone: 970-482-2000 MONY Life Insurance Co. insurance agency representing 4012 W. Cleveland Ave. Fax: 970-484-9271 P.O. Box 94 numerous A+ rated insurance car- Wellington, CO 80549 E-mail: Fort Collins, CO 80522-0094 riers. Servicing all lines of com- Phone: 970-568-0980 [email protected] Phone: 970-484-0908 mercial, personal and farm/ranch Web site: Person In Charge: John M. Shields insurance. Stevens Insurance Agency www.visionfinancialgroup.net Person In Charge: Jay Helzer 4012 W. Cleveland Ave., No. 4 Products/Services: Financial Mowers Financial Services Inc. Ryan Hicks, Managing members Wellington, CO 80549 services, retirement planning, tax- 736 Whalers Way, Bldg. G, Suite 110 Phone: 970-568-0980 savings strategies, full-brokerage Fort Collins, CO 80525 Renaissance Insurance Group of Fax: 970-568-0979 service, mutual funds, stocks, Phone: 970-225-6534 Greeley LLC Person In Charge: Travis Stevens bonds and life insurance. 7251W.20thSt. Person In Charge: Rodney K. Mutual ofOmaha Insurance Co. Greeley, CO 80634 The Craig C. Campbell Agency Wilson 1935 65th. Ave. Phone: 970-330-9991 Inc. Gregory D. Anderson, Partners Greeley, CO 80634 Fax: 970-674-8826 141 S. College Ave. Phone: 970-674-9515 E-mail: [email protected] Fort Collins, CO 80524 Vision Financial Group Web site: Web site: www.reninsurance.com Phone: 970-484-1400 200E.SeventhSt.,No.420 http://mutualofomaha.com Products/Services: Independent Fax: 970-484-9018 Loveland, CO 80537-4871 Products/Services: Medicare sup- insurance agency representing E-mail: Phone: 970-667-9950 plement, long-term care, life, numerous A+ rated insurance car- [email protected] Fax: 970-667-9972 annuities, disability, hospital riers. Servicing all lines of com- Web site: Web site: income and critical illness insur- mercial and personal insurance. www.farmersagent.com/ccampbell1 www.visionfinancialgroup.net ance. Agents located throughout Person In Charge: Jay Helzer Products/Services: Property and Person In Charge: Lawrence B. Larimer and Weld counties. Ryan Hicks, Managing members casualty, life, commercial, variable Combs products. Farmers Insurance prod- National Farmers Union Rocky Mountain Insurance ucts. Volk & Bell Benefits LLC Insurance 4010 Platte Drive Person In Charge: Craig Campbell, 1336 Oakridge Drive, No. 100 121 E. Swallow Road, No. 115 Fort Collins, CO 80526 President Fort Collins, CO 80525-5564 Fort Collins, CO 80525 Phone: 970-266-1700 Phone: 970-484-5073 Phone: 970-484-3200 Fax: 970-266-1273 The Heien Agency Inc. Fax: 970-484-9271 Fax: 970-484-3210 Person In Charge:RyanM.Behm 806 McGraw Drive E-mail: [email protected] Fort Collins, CO 80526 Web site: www.VBbenefits.com Navigation Financial Services Roy Christman Insurance Phone: 970-227-4022 Products/Services: Employee Inc. Agency Fax: 970-226-5148 benefits, individual health plans. 3662 Cassiopeia Lane 1402 W. 28th St., Suite One E-mail: Person In Charge: Lowell A. Volk Fort Collins, CO 80528 Loveland, CO 80538 [email protected] John W. Bell Phone: 970-204-4664 Phone: 970-669-0007 Web site: Fax: 970-204-4483 Fax: 970-669-0008 www.securestrategies.info Weedin Agency Inc. E-mail: adam@navigationfinancial E-mail: [email protected] Products/Services: Life and 235 Welch Ave. services.com Web site: www.roychristmana- annuities Berthoud, CO 80513 Web site: www.navigationfinancial gency.com Person In Charge: Steve A. Heien, Phone: 970-532-3131 services.com Products/Services: Property & CEO, President Fax: 970-532-3100 Products/Services: Insurance and casualty. Specializing in business E-mail: investment management. insurance. Life & health products. The Investment Center [email protected] Person In Charge: Adam E. No obligation personal & business 1703 W. 61st. Ave, Web site: www.sr-22colorado.com Brunin, Owner insurance reviews. Greeley, CO 80634 Products/Services: Auto, home, Phone: 970-475-1500 life, workers’ compensation, com- Northwestern Mutual Financial Safety & Health Alliance Inc. Fax: 970-475-1551 mercial, motorcycle, boat, umbrel- Network 405 Eighth St. S.E., Suite 9 E-mail: [email protected] la, professional, E&O, D&O. 2114 N. Lincoln Ave., Suite 108B Loveland, CO 80537 Products/Services: Financial Person In Charge: Lawrence Loveland, CO 80538-3858 Phone: 970-635-2322 services and income for life. Weedin, Owner Phone: 970-669-5688 Fax: 970-635-2696 Person In Charge: Douglas Lyons, Fax: 970-613-8647 Products/Services: Safety train- Registered principal Weedin Agency Inc. Person In Charge: Karl G. Hagman ing, regulatory compliance assis- 1601 E. Eisenhower Blvd. tance and consulting for medical, The Principal Financial Group Loveland, CO 80537-3929 health and general industry. 320 W. Olive St. Phone: 970-667-2145 Person In Charge: Cynthia A. Fort Collins, CO 80521 Fax: 970-669-9295 Fronk Phone: 970-224-2500 E-mail: [email protected] Fax: 970-224-2500 Web site: www.sr-22colorado.com Person In Charge: Roger P. Shea Welch Insurance Agency 2627 Redwing Road, No. 260 Fort Collins, CO 80526 Phone: 970-377-9420 Fax: 970-377-9517 Person In Charge: Jason E. Welch 10B | Northern Colorado Business Report www.ncbr.com | March 26-April 8, 2010

Weld County Farm Bureau Ameriprise Financial Central Discount Stockbrokers Edward Jones Investments First National Bank Investment Goodwin Financial Service Inc. Investment Centers of America Insurance Inc. 2627 Redwing Road, Suite 105 Inc. 172 N. College Ave., Suite B Management & Trust 2038 Vermont Drive - Home State Bank 2205 First Ave. Fort Collins, CO 80526 4025 Automation Way, Bldg. D-1 Fort Collins, CO 80524 215 W. Oak St., Fourth Floor Fort Collins, CO 80525 300E.29thSt. Greeley, CO 80631 Phone: 970-223-4400 Fort Collins, CO 80525 Phone: 970-484-2280 Fort Collins, CO 80521 Phone: 970-223-2377 Loveland, CO 80538 Phone: 970-353-8000 Fax: 970-223-0283 Phone: 970-223-4164 Complete Spectrum Financial Fax: 866-444-6170 Phone: 970-495-1293 Fax: 970 -223-7040 Phone: 970-622-2366 Fax: 970-352-7272 E-mail: [email protected] Fax: 970-223-0314 Services E-mail: laura.arbury@edward Fax: 970-493-7419 E-mail: Fax: 970-622-2395 Products/Services: Offers agri- Web site: www.ameriprise E-mail: [email protected] 1635 Foxtrail Drive jones.com E-mail: [email protected] E-mail: kevin.dunnigan@ cultural and other policies. advisors.com/william.c.reynolds Person In Charge: Charles Gogela, Loveland, CO 80538 Web site: www.edwardjones.com [email protected] Web site: harrypgoodwin.com investmentcenters.com Products/Services: Certified President Phone: 970-391-0462 Products/Services: Financial Web site: Person In Charge: Harry P Web site: WelshInsurance Agency Inc. financial planner practitioner. Fax: 970-587-4009 planning, stocks, bonds, mutual www.1stnationalbank.com Goodwin, President www.helpwithmyinvestments.com 1310 E. Eisenhower Blvd. Chapel & Collins LLC E-mail: [email protected] funds, privately managed Products/Services: Financial Products/Services: Financial Loveland, CO 80537 Beall Investment Services LLC 375 E. Horsetooth Road, Bldg. 4, Web site: accounts, CDs. planning, investment manage- GreenGrove Financial LLC planning, investments, insurance, Phone: 970-663-5404 14605 Weld County Road 21 Suite 100 www.complete-spectrum.com and Person In Charge: Laura Arbury ment, trust & estate services, 2214 Franklin Road tax-free investments. Web site: www.wiainsurance.com Platteville, CO 80651 Fort Collins, CO 80525 www.completespectrumlending.com retirement plans. Fort Collins, CO 80524 Person In Charge: Kevin Products/Services: Health, life, Phone: 970-785-1101 Phone: 970-204-1376 Products/Services: We help fami- Edward Jones Investments Person In Charge: Jack B. Wolfe, Phone: 970-482-5007 Dunnigan, MBA, CFP, CSA, Certified auto, homeowners and business Fax: 970-785-2890 Fax: 970-207-9701 lies grow what they’ve earned, pay 910 54th Ave., Suite 220 Executive vice president Fax: 970-224-1757 financial planner insurance. E-mail: E-mail: donna.chapel@raymond less taxes, and keep what they’ve Greeley, CO 80634 E-mail: [email protected] Person In Charge: Jeffery Welsh, [email protected] james.com grown. We specialize in Safe Phone: 970-352-4549 First National Bank Investment Person In Charge: Kathy Cosgrove Investment Centers of America CIC, President Web site: Web site: www.chapelcollins.com Money Strategies. Our services are Fax: 888-339-6571 Management & Trust Green, Certified financial planner - Home State Bank www.beallinvestments.com Products/Services: Wealth man- free and we offer free financial Web site: www.edwardjones.com 205 W. Oak St. 2695 W. Eisenhower Blvd. William E. Penoyer Insurance Products/Services: Full-service agement including financial plan- education classes weekly. Products/Services: Insurance, Fort Collins, CO 80521 Loveland, CO 80537 Agency brokerage firm that offers a wide ning services for retirement, edu- Person In Charge: Bobbie Zink, bonds, stocks. Phone: 970-482-4861 Phone: 970-622-7408 509 Dennison Court range of customized services, cation, investments, estates and Vice president Person In Charge: Kim Larson, Web site: www.firstnational.com Person In Charge: Tyler Rusch, Fort Collins, CO 80526 including market information, fun- risk management issues. Investment representative Products/Services: Investment CDFA Phone: 970-266-9736 damental research and technical Person In Charge: Donna Rendon Core Financial Brian Larson, Financial advisor services. GrowSecure Inc. Fax: 970-266-9792 analysis. Chapel, Owner 1732 W. Taft Hill Road 1405 W. 29th St. Investment Centers of America Person In Charge: William E. Person In Charge: Rex Beall, Dennis Collins, Partner Fort Collins, CO 80526 Edward Jones Investments First National Bank Investment Loveland, CO 80538 - Home State Bank Penoyer Owner Phone: 970-214-1121 525 N. Cleveland Ave. Management & Trust Phone: 970-669-1225 935 Cleveland Ave. Charles Schwab & Co. Inc. Fax: 970-204-9676 Loveland, CO 80537 1701 23rd Ave. E-mail: [email protected] Loveland, CO 80537 William Lacock Insurance Berman Financial Group 123 N. College Ave., No. 200 E-mail: Phone: 970-669-3820 Greeley, CO 80634 Web site: www.growsecure.com Phone: 970-613-2185 Agency Inc. 2030 35th Ave. Fort Collins, CO 80524 [email protected] Fax: 970-669-1551 Phone: 970-346-1505 Products/Services: Insurance and Person In Charge: Andrew Moore, 181 W. Boardwalk Drive, No. 14 Greeley, CO 80634 Phone: 970-212-4717 Products/Services: Help people and Web site: www.edwardjones.com Fax: 970-353-6299 annuities. Financial services to Investment representative Fort Collins, CO 80525 Phone: 970-475-1550 Fax: 970-482-5496 businesses protect, grow and pre- Products/Services: Insurance, E-mail: retirees in Northern Colorado. We Phone: 970-223-7432 Fax: 970-475-1551 E-mail: [email protected] serve their assets through invest- retirement plans and college plan- [email protected] serve Fort Collins, Loveland, Investment Centers of America Fax: 970-282-8848 E-mail: [email protected] Web site: www.schwab.com ments and insurance. Specializing in ning. Web site: Greeley, Estes Park, Windsor, etc. Inc. Person In Charge: William Hodge Products/Services: Group health Products/Services: Financial Socially Responsible Investments. www.1stnationalbank.com 935 N. Cleveland Ave. Lacock, Owner and life insurance. services, online trading, advice Finance by Design Inc. Products/Services: Professional HorsetoothFinancial LLC Loveland, CO 80537 Person In Charge: Bruce Berman and banking. DunnHogerty Investment 123 N. College Ave., Suite 200 investment management, fiduciary 2500 Bedford Court Phone: 970-669-9720 Wilson Financial Service Person In Charge: Chris Barr, Vice Consulting Inc. Fort Collins, CO 80524 trust administration, IRA and Fort Collins, CO 80526 Fax: 970-613-2181 740 Cleveland Ave., Suite B Butcher Hansen LLC president-Financial consultant CFP 412 W. Mountain Ave. Phone: 970-212-4720 retirement plan services. Phone: 970-377-3570 E-mail: paul.hummel@investment Loveland, CO 80537 1600 W. First St. Fort Collins, CO 80521 E-mail: [email protected] Person In Charge: Willoughby Fax: 970-377-3575 centers.com Phone: 970-669-3397 Loveland, CO 80537 Colorado Financial Management Phone: 970-484-8806 Web site: Hume, Vice President E-mail: [email protected] Web site: Fax: 970-669-3401 Phone: 970-663-3211 Inc. Fax: 970-484-0997 www.financebydesign.com Web site: www.investmentcenters.com Person In Charge: Glenn O. Wilson Fax: 970-663-3216 2725 Rocky Mountain Ave., Suite E-mail: [email protected] Person In Charge: Colleen Miller, First Western Trust Bank www.horsetoothfinancialllc.com Person In Charge: Paul Hummel E-mail: [email protected] 320 Web site: President 3003 E. Harmony, Suite 200 Person In Charge: Michael Hall, Web site: Loveland, CO 80538 www.dunnhogerty.wfadv.com Fort Collins, CO 80528 Branch manager James L. Watt Financial www.butcherhansen.com Phone: 970-613-1392 Person In Charge: Thad R. Dunn, Financial Integrity Design Phone: 970-484-9222 Advisors Ltd. Investment Person In Charge: Jaris B. Fax: 970-667-6406 Managing partner 1136 E. Stuart St. Fax: 970-416-9321 Investment Centers of America 6248 Buchanan St. Advisers Hansen, Office Administrator E-mail: [email protected] Dennis M. Hogerty, Partner Fort Collins, CO 80521 Web site: www.fwtb.com 1801 59th Ave. Fort Collins, CO 80525 Web site: www.colofin.com Jerry L. Dunn, Partner Phone: 970-407-1807 Person In Charge: James P. Greeley, CO 80634 Phone: 970-225-1440 CapWest Securities Inc. Products/Services: Investment Sprout, Chairman, Northern Phone: 970-353-0047 Fax: 970-225-1470 AIG-American General 1821 56th Ave. strategy and retirement planning. Edward Jones Investments Financial West Group Colorado Fax: 970-353-0433 E-mail: [email protected] 264 Camino Del Mundo Greeley, CO 80634 Person In Charge: Josh Miller, 300 E. Horsetooth Road, Suite 100 1630 25th Ave. Person In Charge: Paul Andre Products/Services: Registered Fort Collins, CO 80524 Phone: 970-353-7122 President Fort Collins, CO 80525 Greeley, CO 80634 Gillis Financial Solutions LLC investment advisor, fee-only (no Phone: 970-482-2385 E-mail: [email protected] Phone: 970-223-9929 Phone: 970-352-0009 4812 S. College Ave. Investment Centers of America advice conflicts), financial plan- Fax: 970-416-1333 Web site: www.capwestsec.com Fax: 970-222-0490 Fax: 970-352-2851 Fort Collins, CO 80525 - Home State Bank ning, asset management, CPA/PFS, E-mail: [email protected] Products/Services: Full-service Web site: www.edwardjones.com Person In Charge: Hugh Warren, Phone: 970-225-2001 3227 Timberline Road Coloradoan financial planning Products/Services: Life insur- financial planning and invest- Products/Services: Insurance, retire- Registered rep. Fax: 970-225-2095 Fort Collins, CO 80528 columnist. ance, annuities, investments. ments. ment plans and college planning. E-mail: Phone: 292-0115 Person In Charge: James L. Watt, Person In Charge: Larry Siegfried, Person In Charge: Suzie Hall, [email protected] Person In Charge: Debbie Martz, Owner District Leader Registered Representative Edward Jones Investments Web site: www.gillisfinancial.com Investment representative 1700 W. Mulberry Person In Charge: Francis Gillis, Fort Collins, CO 80521 Manager Investment Centers of America Phone: 970-491-9970 - Home State Bank Fax: 888-723-8438 4532 McMurry Ave Person In Charge: Ned Balmer, Fort Collins, CO 80524 Investment representitive Phone: 970-204-0450 Fax: 970-224-4180 Custom Publications Tell Your Story with a Custom Designed Publication

Whether celebrating a monumental anniversary, opening a new location, expanding your offerings or branding your company’s image, a custom publication will showcase your business to make you stand out from the crowd. Our custom publications offer a broad range of business marketing solutions, including:

Newsprint Sections Custom Magazines Brochures/Newsletters Marketing or Sales Collaterals And more! A Powerful Reach Deliver your custom publication using the power of our exclusive Business Report Publications Design, Deliver & Reach. Call Today to and/or the use of our DataBank industry information to effectively reach your desired audience. Begin Creating Your Custom Publication! Call 221.5400, ext. 236. Design, Deliver & Reach. Call Today to Begin Creating Your Custom Publication!

Target Your Advertising Dollars ~ Increase Market Share ~ Retain & Grow Customer Base

141 S. College Ave. :: Fort Collins, CO 80524-2810 :: 970.221.5400 • Fax: 970.221.5432 :: www.NCBR.com March 26-April 8, 2010 | www.businessreportdaily.com Northern Colorado Business Report | 11B

JBA Wealth Management Group Oppenheimer & Co. Inc. Tributary Capital Management Wells Fargo Advisors QA3 LLC 501 St. Vrain Lane, Suite 202 LLC 4675W.20th.St.Road 155 W. Harvard St., Suite 401 Estes Park, CO 80517 215 W.Oak St., Suite 201 Greeley, CO 80634-3246 Fort Collins, CO 80525 Phone: 970-586-1895 Fort Collins, CO 80521 Phone: 970-330-8786/800-223- Phone: 970-223-1922 Fax: 970-586-1892 Phone: 970-495-1221 6239 Fax: 970-223-2875 E-mail: [email protected] Fax: 970-419-5755 Fax: 970-330-8797 E-mail: [email protected] Website : www.opco.com E-mail: Website : Website : www.johnsonbruen.com Products/Services: Investment [email protected] www.wellsfargoadvisors.com Portfolio Products/Services: Life, health, brokerage. Website : Person In Charge: Rick Runyan, disability and long-term care Person In Charge: Mike Eitzen, www.tributarycapital.com Branch manager insurance. IRAs, Mutual funds, Senior vice president Products/Services: Investment bonds, common stock, annuities, management services to institu- Wells Fargo Advisors It's data you can bank on. college plans, estate plans, Q4 Wealth Management Inc. tional and high-net-worth clients. 1073 N. Lincoln Ave. 401(k)s, retirement plans, tax 5 Old Town Square, Suite 205-B Person In Charge: Kurt Spieler, Loveland, CO 80537-4844 plans, money management. Fort Collins, CO 80524 Managing director Phone: 970-669-8200/800-758- Person In Charge: Daniel B. Phone: 888-532-2364 1652 Johnson Fax: 970-482-4262 Fax: 970-669-8282 Barb Bruen E-mail: [email protected] Website : Website : www.cascade-inc.com www.wellsfargoadvisors.com Jim Saulnier CFP Person In Charge: John Clagett, Products/Services: Full service. 322 E. Oak St. Senior financial consultant UBS Financial Services Inc. Person In Charge: Tony Ripsam, Fort Collins, CO 80524 3711 JFK Parkway, Suite 410 Branch manager Would you like Phone: 970-530-0556 RBC Wealth Management Fort Collins, CO 80525-2658 E-mail: [email protected] 155 E. Boardwalk Drive, Suite 310 Phone: 970-498-4000 Wells Fargo Bank Website : www.jimsaulnier.com Fort Collins, CO 80525 Fax: 970-498-4002 401 S. College Ave. Person In Charge: Jim Saulnier, Phone: 970-206-1174 Website : www.ubs.com/financial Fort Collins, CO 80524 Owner Fax: 970-206-1464 servicesinc Phone: 970-490-6278/800-892- to be included? E-mail: [email protected] Products/Services: Complete finan- 9502 Kevin Conroy CFP Website : www.rbc.com cial services, including managed Fax: 970-493-3927 1200 S. College Ave., Suite 210 Person In Charge: Mike Trinen, accounts, retirement plans, mutual Website : www.wellsfargo.com Fort Collins, CO 80524 Branch director funds, CDs, tax-exempt bonds, Person In Charge: Rick Nelson, Phone: 970-226-2983 stocks, government securities. Senior Vice president and If your company was left out of the 2010 Fax: 970-223-7391 REA Capital Management LLC Person In Charge: Saul Guice, II, Regional private banking manager E-mail: [email protected] 4703-B Boardwalk Drive, Suite 1 Branch manager, associate direc- Website : www.iraspecialist.com Fort Collins, CO 80525 tor World Financial Group Portfolio Directory, please fill out this form and Products/Services: Retirement Phone: 970-223-0907 2850 McClelland Drive, Suite 2600 funding specialists. Fax: 970-223-2615 Fort Collins, CO 80525 mail it to the address below: Person In Charge: Kevin Conroy, E-mail: [email protected] Phone: 970-223-2507 President Website : www.reagroup.us Website : Person In Charge: Jeffery www.worldfinancialgroup.com Linsco Private Ledger Fanning, President and Managing UBS Financial Services Inc. 1 Old Town Square, No. 301 member 1901 56th Ave. Suite 300 Mortgage Lenders Fort Collins, CO 80524 Greeley, CO 80634 Phone: 970-224-9492 Securities Finance Phone: 970-506-5800 Fax: 970-224-9445 3307 S. College Ave. Fax: 970-506-5858 1st City Mortgage Group Person filling out form Phone & ext.: ( ) E-mail: [email protected] Fort Collins, CO 80525 E-mail: [email protected] 3615 Mitchell Drive Website : www.lpl.com Phone: 970-223-6687 Website : http://financialservices Fort Collins, CO 80525 Complete company name: Person In Charge: Tom Michaels inc.ubs.com/branch/greeleygl/ Phone: 970-266-9111 Tom Hisey, Branch managers Shinn Consulting CPAs PC Products/Services: Complete Fax: 970-266-0498 702 W. Drake Road, Bldg. D financial services, including man- E-mail: [email protected] Long Green Planning Group Fort Collins, CO 80526 aged accounts, retirement plans, Website : www.ftcollinsloan.com P.O. Box City State Zip 375 E. Horsetooth Road, Shores 3, Phone: 970-206-1435 mutual funds, CDs, tax-exempt Person In Charge: Mick Occhiato, Suite 203 Fax: 970-494-7979 bonds, stocks, government securi- Senior mortgage planner Address: City State Zip Fort Collins, CO 80525 E-mail: ties. Phone: 970-282-7526 [email protected] Person In Charge: Gerald Karre, A Better Mortgage Phone: ( ) Fax: ( ) Fax: 970-223-6990 Website : Branch manager 155 E. Boardwalk Drive, Suite 300 E-mail: www.shinnconsultingcpas.com Fort Collins, CO 80525 E-mail address: World Wide Website: [email protected] Products/Services: Individual, Vision Financial Group Phone: 970-377-3200 Website : business, estate, retirement and 1336 Oakridge Drive Fax: 970-206-9497 NAICS code: www.longgreenplanning.com taxes and financial planning. Fort Collins, CO 80525-5564 E-mail: [email protected] Products/Services: Financial Person In Charge: Ralph T. Shinn, Phone: 970-482-2000 Website : www.ABetterMortgage Product description: planning and investment advice. President Fax: 970-484-9271 FortCollins.com Person In Charge: Joe Lloyd, E-mail: Products/Services: Socially Partner Stifel, Nicolaus & Co., Inc. [email protected] responsible, green mortgage bro- 2809 E. Harmony Road, Suite 330 Website : ker. LPL Financial Services Fort Collins, CO 80528 www.visionfinancialgroup.net Person In Charge: Karen Miller 3663 Vista Drive Phone: 970-267-9666 Products/Services: Financial # of employees in Northern Colorado? Loveland, CO 80538 Fax: 970-267-9055 services, retirement planning, tax- A Team Mortgage LLC Phone: 970-663-3444 E-mail: [email protected] savings strategies, full-brokerage 6200 W. Ninth St., Unit 3 # of employees worldwide? Fax: 970-663-5195 Website : www.stifel.com service, mutual funds, stocks, Greeley, CO 80634 E-mail: [email protected] Products/Services: Financial bonds and life insurance. Phone: 970-353-1122 Subsidiary of another company? Y or N Website : www.lpl.com services, parent company Stifel Person In Charge: Rodney K. Fax: 970-797-1794 Person In Charge: Bruce Gregg Financial Corp., NYSE ticker sym- Wilson E-mail: [email protected] Parent company name: bol SF. Gregory D. Anderson, Partners Website : Macdonald Financial Services Person In Charge: Donald Yohon, www.a-team-mortgage.com Headquarters location: City State Zip 4025 Saint Cloud Drive, Suite 250 Vice president-investments; Waddell & Reed Inc. Products/Services: Mortgage Loveland, CO 80538 Branch manager 2850 McClelland Drive, Suite 3000 broker. Founded when? Public or Private Phone: 970-667-2950 Fort Collins, CO 80525-2186 Person In Charge: Linda Fax: 970-667-3397 The Investment Center Phone: 970-226-5800 Asmussen, Owner ExportsYorN ImportsYorN E-mail: 1703 W. 61st. Ave, Fax: 970-226-5802 [email protected] Greeley, CO 80634 Website : www.waddell.com Above All Mortgage Services Stock exchange: NYSE/AMER/NASDAQ other? Stock symbol: Website : www.macdonald Phone: 970-475-1500 Person In Charge: Jared Best, 2893 N. Monroe Ave. financialservices.com Fax: 970-475-1551 Division manager Loveland, CO 80538 Key contact person, title: Products/Services: Wealth man- E-mail: [email protected] Phone: 970-278-9092 agement and creation. Products/Services: Financial Waddell & Reed Inc. Fax: 970-669-9004 Other contacts & titles: Person In Charge: A.J. Macdonald, services and income for life. 800 Eighth Ave., Suite 341 Owner Person In Charge: Douglas Lyons, Greeley, CO 80631-8441 All American Lending Group Registered principal Phone: 970-353-8800 383 W. Drake Road Merrill Lynch Website : www.waddell.com Fort Collins, CO 80525 3555 Stanford Road, Suite 101 The Planning & Investment Person In Charge: Stephen Phone: 970-377-0024 Fort Collins, CO 80525 Center Waechter E-mail: [email protected] (Operations, Finance, Sales, Marketing, PR, Purchasing, Production, Phone: 970-266-4832 760 Whalers Way, Bldg. A, Suite 201 Fax: 970-372-5643 Fort Collins, CO 80525 All Seasons Mortgage of Fort Controller, Engineering, Personnel, etc.) E-mail: [email protected] Phone: 970-663-3132 Collins Website : totalmerrill.com Fax: 970-663-1506 1701 Lake Sherwood Drive Products/Services: Wealth man- E-mail: [email protected] Fort Collins, CO 80525 agement, estate planning, insur- Website : www.theplanningand Wealth Management Group Phone: 970-282-0219 Portfolio classifications: ance, retirement planning, lending, investmentcenter.net 1073 N. Lincoln Ave. Fax: 970-282-8115 banking services. Products/Services: Specializing Loveland, CO 80537 BANK LOCATIONS INSURANCE SBA LENDERS Person In Charge: Scott T. Baker, in retirement planning, invest- Phone: 970-669-8200 American General Finance Resident director ments and real estate alternatives. Fax: 970-669-8282 4032 S. College Ave. Person In Charge: Stephen E-mail: Fort Collins, CO 80524 CPA INVESTMENT ADVISERS VENTURE CAPITAL FIRMS Morgan Stanley Smith Barney Everett, OSJmanager [email protected] Phone: 970-225-0112 1711 61st Ave., Suite 200 Website : www.bbrb.wfadv.com CREDIT UNIONS MORTGAGE LENDERS MISCELLANEOUS Greeley, CO 80634 Thomas Financial Services Inc. Person In Charge: Charles Phone: 970-506-9650 400 S. Howes St., Suite 2 Bouchard, Managing director, PAYROLL COMPANIES Fax: 970-506-9655 Fort Collins, CO 80521 Senior financial advisor, Person In Charge: Gary H. Perl, Phone: 970-482-0453 Investment officer. Annual revenue: First vice president, financial Fax: 970-482-1886 adviser Person In Charge: Dan Spencer, Wells Fargo Advisors $25,000–$100,000 $7.5 million–$10 million G. Bruce Hemmings, Senior vice Owner 363 Elkhorn Ave., Suite 301 president Estes Park, CO 80517 $100,000–$250,000 $10 million–$15 million Thrivent Investment Phone: 970-586-2469 $250,000–$500,000 $25 million–$35 million Northwestern Mutual Financial Management Fax: 970-586-5124 $500,000–$1 million $35 million–$50 million Services 1812 56th Ave., Suite A Website : $1 million–$2 million $50 million–$75 million 3665 JFK Parkway, Bldg 1, Suite 100 Greeley, CO 80634 www.wellsfargoadvisors.com Fort Collins, CO 80525-3152 Phone: 970-330-7411 Products/Services: Financial con- $2 million–$5 million $75 million–$100 million Phone: 970-225-3474 Fax: 970-330-7424 sultants and stock brokers. $5 million–$7.5 million $100 million+ Fax: 970-226-5036 E-mail: [email protected] E-mail: [email protected] Website : www.thrivent.com Wells Fargo Advisors Website : Products/Services: Life insur- 2900 S. College Ave., Suite 2B www.nmfn.com/thefortcollinsgroup ance, health insurance, long-term Fort Collins, CO 80525-2585 Phone: 970-223-4800/800-967- Products/Services: Financial care insurance, mutual funds, E-mail: services and financial planning, annuities, investments, financial 2596 insurance, investment manage- planning, estate planning, retire- Fax: 970-223-2851 ment. ment distribution planning. Website : [email protected] Person In Charge: Ryan E. Yoder, Person In Charge: Daniel L. www.wellsfargoadvisors.com Managing director Austin, Senior financial consultant Person In Charge: Tom Mapp, Paul Z. Watkins, Owner Branch manager

141 S. College Ave. :: Fort Collins, CO 80524-2810 :: 970.221.5400 • Fax: 970.221.5432 :: www.NCBR.com 12B | Northern Colorado Business Report www.ncbr.com | March 26-April 8, 2010

Bancwise Real Estate Solutions Bank of the West Bank of the West services for the agriculture com- Brokers Alliance Mortgage 144 N. Mason St., Suite 7 1795 E. Bridge St. 181 W. Boardwalk Drive, No. 101 munity. 2121 Midpoint Drive, Suite 101 Fort Collins, CO80524 Brighton, CO80601 Fort Collins, CO80525 Person In Charge: Nadine Trujillo- Fort Collins, CO80525 Phone: 970-282-9473 Phone: 303-202-5330 Phone: 970-797-3734 Rogers, Branch manager Phone: 970-207-1280 Fax: 970-282-9475 Bank of Colorado Bank of Colorado Mortgage Fax: 303-659-7639 Fax: 970-225-3916 Fax: 970-207-1281 First National Bank Web site: 533 Big Thompson Ave. Division Web site: www.bankofthewest.com E-mail: wanda.zimmerman@ Bank of the West E-mail: [email protected] Lory Student Center - CSU www.bancwisecolorado.com Estes Park, CO80517 4848 Thompson Parkway Products/Services: Banking serv- bankofthewest.com 303 E. Sixth St. Web site: www.balliancem.com Fort Collins, CO80523 Products/Services: Mortgage Phone: 970-586-8185 Johnstown, CO80534-6433 ices, including loans and banking Web site: www.BankoftheWest.com Loveland, CO80537 Person In Charge: Larry Friedlan, Phone: 970-495-9450 bank that is also a full-service real Fax: 970-586-8006 Phone: 970-674-9111 services for the agriculture com- Products/Services: Banking serv- Phone: 970-667-5150 Owner Web site: estate brokerage that sells homes Web site: Web site: munity. ices: including personal and busi- Fax: 970-669-7164 www.1stnationalbank.com for a flat fee and provides tradi- www.bankofcolorado.com www.bankofcolorado.com Person In Charge: David ness accounts, personal and busi- Web site: www.bankofthewest.com Cache Bank and Trust Products/Services: Full-service tional real estate services. Products/Services: Agricultural, Products/Services: Mortgage Benevides, Branch manager ness loans, mortgages, invest- Products/Services: Banking serv- 4601 W. 20th St. bank. Person In Charge:JeffTyson commercial and personal banking. loans. ments and banking services for ices, including loans and banking Greeley, CO80634 Person In Charge: Stephanie Person In Charge: Brad Sishc, Bank of the West the agriculture community. services for the agriculture com- Phone: 970-351-8600 Grosskopf Bank of America Home Loans Branch president 1437 E. Mulberry St. Person In Charge: Wanda munity. Fax: 970-351-7878 3720 S. College Ave. Fort Collins, CO80524 Zimmerman, Branch manager E-mail: Fort Collins, CO80525 Phone: 970-267-3700 Blue Diamond Mortgage LLC [email protected] Phone: 970-416-7746 Fax: 970-493-2857 Bank of the West 832 W. Eisenhower Blvd., No. D Web site: Fax: 970-416-7642 Bank of Colorado Mortgage Web site: www.bankofthewest.com 1075 W. Horsetooth Road Loveland, CO80537 www.cachebankandtrust.com Web site: Division Products/Services: Banking serv- Fort Collins, CO80526 Phone: 970-461-0866 Products/Services: Loans and First National Bank www.bankofamerica.com/homeloans Bank of Colorado 7791 Highland Meadows Parkway ices, including loans and banking Phone: 970-267-2700 Fax: 970-461-0863 banking services for commercial 155 E. Boardwalk Drive Products/Services: Residential 111 S. Rollie Ave. Windsor, CO80528 services for the agriculture com- Fax: 970-223-7438 E-mail: [email protected] and personal entities. Fort Collins, CO80525 home loans. Fort Lupton, CO80621 Phone: 970-674-9111 munity. Web site: www.bankofthewest.com Products/Services: Conventional, Person In Charge: Byron W. Phone: 970-495-9450 Person In Charge: Nancy R. Smith, Phone: 303-857-3400 Fax: 970-674-9911 Products/Services: Banking serv- FHA,V.A., rural housing loans, con- Bateman, Branch manager Web site: Area sales manager Fax: 303-857-3401 Web site: ices, including loans and banking struction loans, and commercial www.1stnationalbank.com Web site: www.bankofcolorado.com services for the agriculture com- loans Charter 1 Mortgage Products/Services: Full-service www.bankofcolorado.com Products/Services: Mortgage munity. Person In Charge: Jose Santana, 155 W. Harvard St. bank. Products/Services: Agricultural, loans. Manager Fort Collins, CO80525 Person In Charge: Kay Garcia, commercial and personal banking. Bank of the West Phone: 970-282-7262 Branch manager Person In Charge: Tom Goding, 1111 11th St. Fax: 970-204-4412 President Greeley, CO80631 Phone: 970-353-2640 Choice Mortgage Fax: 970-352-2773 305 W. Magnolia, No. 213 Web site: www.bankofthewest.com Fort Collins, CO80521 Products/Services: Banking serv- Phone: 970-484-5152 First National Bank ices, including loans and banking Fax: 970-484-5159 4100 Harrison Ave. E-mail: Wellington, CO80549 [email protected] Phone: 970-495-9450 Web site: Web site: www.maxchoicemortgage.com www.1stnationalbank.com Products/Services: Full-service bank. Person In Charge: Kay Garcia

Complete Spectrum Financial Services 1635 Foxtrail Drive Thurs. April 8th Loveland, CO80538 First National Bank Phone: 970-391-0462 1505 Main St. Fax: 970-587-4009 Windsor, CO80550 7:30am—5pm E-mail: [email protected] Phone: 970-495-9450 Web site: www.complete-spec- Web site: trum.com and www.completespec- www.1stnationalbank.com Drake Centre, Fort Collins trumlending.com Products/Services: Full-service Products/Services: We help fami- bank. lies grow what they’ve earned, pay Person In Charge: Jane Sharp, $49 PER PERSON less taxes, and keep what they’ve Branch manager grown. We specialize in Safe Money Strategies. Our services are free and we offer free financial education classes weekly. Person In Charge: Bobbie Zink, Vice president First National Bank Mortgage GIVING BUSINESS Division Cornerstone Mortgage Co. 375 E. Horsetooth Road, Suite 2-101 2809 E. Harmony Road, Suite 200 Fort Collins, CO80525 Fort Collins, CO80528 Phone: 970-494-5520 THE MEANS TO GO GREEN Fax: 970-494-5521 Phone: 970-206-4633 E-mail: E-mail: gvolker@1stnational [email protected] bankmortgage.com Web site: www.houseloan.com Web site: Person In Charge: Gene www.1stnationalbank.com Humphries, Divisional President Person In Charge: Gary Volker, President Destiny Lending During uncertain economic times, being environmentally responsible may seem 425 E. Eisenhower Ave. First Union Small Business Loveland, CO80537 Capital Phone: 970-667-3499 419 Canyon Ave., Suite 300 like a ﬁnancial impossibility. This year, learn how to make small changes Fax: 970-667-3459 Fort Collins, CO80521 E-mail: [email protected] Phone: 970-484-5478 Web site: www.destinylending.com Fax: 970-484-5892 that will reduce your impact and increase your bottom line. Products/Services: Mortgage Web site: www.firstunion.com lending services. Person In Charge: Darcy Purvis, Person In Charge: Shawn Beard, Business development manager President Dave Harding, Sales manager Firstbank of Longmont 512 Briggs Equitable Savings & Loan Erie, CO80516 Association Phone:303-828-3393 300 E. Horsetooth Road., Suite 102 Fax: 303-828-4101 PROGRAMS FROM 7:30AM - 5PM Fort Collins, CO80525 Web site: www.efirstbank.com Phone: 970-223-1963 Products/Services: Full-service Fax: 970-223-1965 consumer and commercial bank- Keynote Breakfast/Keynote Lunch: Exhibitors with innovative, relevant solutions for a more sustainable economy. Web site: ing. www.Equitable-Savings.com Person In Charge: Bruce Robbins, Products/Services: Mortgage, President Green for Green: Financing, funding, tax credits, rebates & grants to green light your green project. loans, checking, savings. Person In Charge: Donald M. FirstBank of Northern Colorado Koenig Jr., President 1015 S. Taft Hill Road Green Marketing: Establishing an ethical green brand campaign; media and methods for sustainable marketing. Fort Collins, CO80521 Equitable Savings & Loan Phone: 970-493-0200 Developing Green Streams: Re-tooling services, products and people for new revenue sources. Association Web site: www.efirstbank.com 3400 16th St. No. 6L Products/Services: Full-service Greeley, CO80631-4854 consumer and commercial bank- The 2010 Poudre Valley REA Beyond the Limits Award has been established to recognize Phone: 970-395-0400 ing. !"#$% Person In Charge: Patrick M. the commitment made by a Northern Colorado company to sustainable business practices. Family Mortgage Co. Inc. Brady, President THE LIMITS 505 E. Fourth St. Nomination forms are available on www.NCBR.com. Click on Events under the Departments Loveland, CO80537 FirstBank of Northern Colorado Phone: 970-203-0284 2315 S. College Ave. AWARD heading. For questions about the award, email [email protected]. Fax: 970-461-8753 Fort Collins, CO80525 E-mail: [email protected] Phone: 970-493-1700 Web site: www.familymtgco.com Fax: 970-282-3925 EVENT SPONSORS: Products/Services: Residential Web site: www.efirstbank.com mortgage. Products/Services: Full-service Event Architect Marketing Sponsor Beyond the Limits Supporting Sponsor Transportation Sponsors Sign Sponsor Person In Charge: John Giroux consumer and commercial bank- Award Sponsor ing. FCM Home Loans Person In Charge: Patrick M. 4900 S. College Ave., Suite 110 Brady, President Fort Collins, CO80525 Phone: 970-484-5626 FirstBank of Northern Colorado Fax: 970-484-1180 1013 E. Harmony Road E-mail: [email protected] Fort Collins, CO80525 Title Sponsor Presenting Sponsor Lunch Sponsor Breakfast Sponsors Shred & Recycle Sponsor Media Sponsor Web site: www.fcmmoney.com Phone: 970-223-4000 Products/Services: Residential & Fax: 970-282-3925 commercial financing Web site: www.efirstbank.com Person In Charge: Mandy Products/Services: Full-service Mulligan, Owner consumer and commercial bank- Scott Charpentier ing. Person In Charge: Patrick M. Brady, President SPONSORSHIP AND EXHIBITOR INFORMATION AVAILABLE AT WWW.NCBR.COM Or Call De Dahlgren, NCBR Marketing Director, 970-221-5400 X 202 @dgifm\@@dgidgifm\ PfliPPffflflii G_pjG_G_pj`ZXcZXc =`ke\jj==`k=`ke\`k`ke\\jjj PflPPfflfl ZXe ZXeZXZ e [ [f[[ff `k `k`kk G\ijfeXcGG\\ijfeXc :_Xcc\e^\\ K\Xd=`kKK\\Xd=`k :_Xcc\e^\

>ff[ _\Xck_ `j ^ff[^ Yljè\jj#Yljèe\jj## Xe[n_Xk Y\kk\i :_Xcc\e^\:_Xcc\\e^\^p pflipfli ZfdgXepZfdgXeg p kf Y\Zfd\Y\\Zfd\ dfidfi\\ nXpnXp kf dXb\dXb\ Xe \]]fik\]]fik kf ki`d _\Xck_ZXi\_\Xck_ZXi\ Zfjkj Ôk% C\X[C\XX[ X ,$d\dY\i k\Xd ]ifd]ifd pflipflii ZfdgXep%ZfdgXep% k_Xe kf Z_Xcc\e^\ pflij\c]pflij\c] fif X ZfdgXep k\Xd kf `dgifm\`dgifm\ Ôke\jjÔke\jj c\m\cj%c\m\cj%KX KXb b\\ k_\ Z_Xcc\e^\% N_Xk Xi\XXi\ k_\ k\Xd i\hlì\d\ekj6i\hlì\d\ekjjj66 R @kËj@kkËjmm\ip\ip \Xj\Xjpp kf glglkk kf^\k_\i X k\Xdk\Xd#d# Xe[ `k fecp K_\iK_\i\\ XiXi\\ c`d`k\[ fg\e`fg\eè^je^j XmX`cXYc\%XmX`cXYc\% JfJf## kkXb\jXXb\j , g\fgc\ ]i]ifdfd ppflifli ZfdgXep%ZfdgXepp% [fe[feËkËk nnX`k%X`k% R Fe\F d\dY\i dljk Y\ X :

K_\ II\nXi[j\nXi[j

=ì=ìjk#jk# \\m\ipfe\m\ipfe\ n`cc Y\ dfidfi\\ÔkX Ôk Xk k_\ \e[ f] k_\ Z_Xcc\e^\ Xe[ _Xm\_XXm\ ]le ^\kkè^ =`kk\jk

@e k_\ =`kk\jk

=`kk\jk \kkè^>\k\kkè^kkè^ J JkXik\[kXiXikk\k\[\\[[ `j`j <

FirstBank of Northern Colorado Home State Bank Mountain Plains Farm Credit US Bank The Investment Center Frayer & Associates CPA PC Universal Merchant Service Comerica Bank 225E.29thSt. 1355 E. Eisenhower Blvd. Services 4503 JFK Parkway 1703 W. 61st. Ave, 501 Stover St. 2900 S. College Ave., Suite LC 500 Woodward Ave. Loveland, CO 80538 Loveland, CO 80538 4505 W. 29th St. Fort Collins, CO 80525 Greeley, CO 80634 Fort Collins, CO 80524 Fort Collins, CO 80525 Detroit, MI 48226 Phone: 970-669-4000 Phone: 970-622-7198 Greeley, CO 80633 Phone: 970-255-8591 Phone: 970-475-1500 Phone: 970-419-3200 Phone: 970-472-4111 Phone: 800-292-1300 Web site: www.efirstbank.com Fax: 970-669-6228 Phone: 970-330-4071 Web site: www.usbank.com Fax: 970-475-1551 Fax: 970-419-3201 Fax: 970-416-6846 Web site: www.comerica.com Products/Services: Full-service E-mail: [email protected] Fax: 970-330-4420 Products/Services: Banking. E-mail: [email protected] E-mail: [email protected] E-mail: [email protected] consumer and commercial bank- Web site: E-mail: [email protected] Products/Services: Financial Products/Services: Payroll, for- Web site: www.ledgerplus.net Comerica Bank ing. www.homestatebank.com Web site: www.ifeedtheworld.com US Bank services and income for life. mal financial statements, and Products/Services: Payroll, cred- 55 River Street, Dept. 215 Person In Charge: Patrick M. Products/Services: Banking and Products/Services: Provides 400 Howes St. Person In Charge: Douglas Lyons, employee benefits and certified it-card services, accounting, tax Santa Cruz, CA 95060 Brady, President loans. financial services for farmers, Fort Collins, CO 80521 Registered principal QuickBooks adviser, health insur- return preparation. Phone: 408- 439-1700 Person In Charge: Harry ranchers, agribusinesses, and Phone: 970-493-5506 ance and retirement plans. Person In Charge: Morgan Bolls, Web site: www.comerica.com FirstBank of Northern Colorado Devereaux, President country home owners. Includes Web site: www.usbank.com Payroll Companies Person In Charge: Tiffini Harris, Manager 1352 W. Eisenhower Blvd. operating loans, equipment loans, Products/Services: Banking. Office manager Commerce Bank Loveland, CO 80537 Home State Bank livestock loans and crop insur- SBA Lenders 15305 E. Colfax Ave. Phone: 970-669-4000 7499 Westgate Drive ance. US Bank Anderson & Whitney PC Hanna, Holdredge & Associates Aurora, CO 80011 Web site: www.efirstbank.com Windsor, CO 80528 2845 Linden Court 5801 W. 11th St., Suite 300 CPA PC Phone: 303-344-5202 Products/Services: Full-service Phone: 970-206-6100 Opportunity Mortgage Loveland, CO 80538 Greeley, CO 80634 365E.27thSt. Advantage Bank E-mail: consumer and commercial bank- E-mail: [email protected] 400 W. Magnolia St. Phone: 970-669-8044 Phone: 970-352-7990 Loveland, CO 80538 1475 N. Denver Ave. [email protected] ing. Web site: Fort Collins, CO 80521 Fax: 970-203-0408 Fax: 970-352-1855 Phone: 970-667-2555 Loveland, CO 80537 Web site: Person In Charge: Patrick M. www.homestatebank.com Phone: 970-484-2898 Web site: www.usbank.com E-mail: [email protected] Fax: 970-669-9494 Phone: 970-613-1982 www.realpeoplebank.com Brady, President Products/Services: Banking and Fax: 970-484-6686 Products/Services: Banking. Web site: www.awhitney.com E-mail: [email protected] Fax: 970-613-1853 loans. E-mail: Products/Services: Public Web site: www.lovelandcpas.com E-mail: customerservice@ Commerce Bank National FirstBank of Northern Colorado Person In Charge: Harry [email protected] US Bank accounting firm. Products/Services: Accounting, advantagebanks.com Association 1510 Main St. Devereaux, President Web site: 1275 Eagle Drive Person In Charge: Larry Atchison, tax preparation, payroll services Web site: 1000 Walnut Street Windsor, CO 80550 http://opportunitymortgage.com Loveland, CO 80537 President and QuickBooks consulting. www.advantagebanks.com Kansas City, MO 66101 Phone: 970-674-2900 Home State Bank - Mortgage Person In Charge: James Bailey, Phone: 970-461-0115 Person In Charge: Sandra L. Phone: 800-453-2265 Web site: www.efirstbank.com Division Owner Web site: www.usbank.com Andrea J. Smith and Associates Hanna, Owner, President Products/Services: Full-service 2695 W. Eisenhower Blvd. Products/Services: Banking. Inc. Commercial Savings Banks consumer and commercial bank- Loveland, CO 80537 Peak Financial Solutions 760 Whalers Way Bldg. A, Suite 110 Hoover Harris & Co. PC 118 S. Sandusky Avenue ing. Phone: 970-461-2292 1431 Last Oak Court Wells Fargo Home Mortgage Fort Collins, CO 80525 4075 W. 11th St. Upper Sandusky, OH 43351 Person In Charge: Patrick M. Fax: 970-669-6228 Fort Collins, CO 80525 3500 JFK Parkway, Suite 110 Phone: 970-232-3122 Greeley, CO 80634 Bank of Colorado Phone: 419-294-5781 Brady, President E-mail: Phone: 970-224-9574 Fort Collins, CO 80525 Fax: 970-232-3123 Phone: 970-352-1642 1609 E. Harmony Road Fax: 419-294-2350 [email protected] Fax: 970-224-2340 Phone: 970-223-1856 E-mail: Fax: 970-352-0284 Fort Collins, CO 80525 Web site: www.csbanking.com Web site: Fax: 970-229-1930 [email protected] E-mail: Phone: 970-206-1160 www.homestatebank.com Public Service Credit Union E-mail: Web site: [email protected] Fax: 970-206-1156 Community Banks of Colorado Products/Services: All types of 319 S. Meldrum St. [email protected] www.fortcollinsaccounting.com Web site: Web site: 5690 S. Dtc Blvd., Suite 450 mortgage products for owner- Fort Collins, CO 80521 Web site: www.wellsfargo.com Products/Services: Income tax www.hooverharriscpa.com www.bankofcolorado.com Greenwood Village, CO 80111 Great Western Bank occupied and investment real Phone: 970-416-5000 Products/Services: Banking, services, payroll and bookkeeping Products/Services: Complete Phone: 720-529-3300 151 S. College Ave. estate. Fax: 970-416-5006 insurance, wealth management services. Specializing in payrolls processed, direct deposit Bank of the West E-mail: [email protected] Fort Collins, CO 80524 Person In Charge: Harry Web site: www.pscu.org and estate planning, investments, QuickBooks software. Advanced available, payroll reports complet- 10181 Truckee Tahoe Airport Road Web site: www.cobnks.com Phone: 970-226-1080 Devereaux, President Person In Charge: Dave Maus, CEO mortgage and consumer finance. QuickBooks Certified Pro Advisor. ed. Truckee, CA 94104 Fax: 970-225-4905 Person In Charge: Mark Hensler, Person In Charge: Andrea J. Person In Charge: Wayne Hoover, Web site: www.bankofthewest.com Community First National Bank Web site: Integrity Lending Solutions Inc. Public Service Credit Union Branch Manager Smith, CB Principal 520 Main Avenue www.greatwesternbank.com 149 W. Harvard St., No. 302 2503 Research Blvd. Sharon DeWild Bank One National Association Fargo, ND 58214 E-mail: Fort Collins, CO 80525 Fort Collins, CO 80526 Balanced Books Accounting K R Bookkeeping & Payroll 1125 17th St. Phone: 800-575-6677 [email protected] Phone: 970-232-3990 Phone: 970-416-5000 Mutual Funds Services Service Denver, CO 80202 Web site: Fax: 970-232.3996 Fax: 970-416-5006 1120 N. Lincoln Ave. 3008 Duffield Ave. Phone: 303-241-3271 www.communityfirst.com E-mail: [email protected] Web site: www.pscu.org Loveland, CO 80537 Loveland, CO 80538 Fax: 303-296-8176 Web site: www.integrityls.com Person In Charge: Dave Maus, CEO Charles Schwab & Co. Inc. Phone: 970-669-0857 Person In Charge: Karen M. Web site: www.bankone.com Community First National Bank 123 N. College Ave., No. 200 Fax: 970-667-7968 Rudell, Owner 142 E. 200 South KeyBank of Colorado Public Service Credit Union Fort Collins, CO 80524 Products/Services: Bookkeeping BBVA Compass Bank Salt Lake City, UT 84000 Great Western Bank 541 Big Thompson Ave. 900 S. Lemay Phone: 970-212-4717 services, partnered with paychex Lynard Services Inc. 15S.20thSt. Phone: 801-531-3406 785 Cheeseman Street Estes Park, CO 80517 Fort Collins, CO 80525 Fax: 970-482-5496 for full-payroll services. 129 W. Elkhorn Ave. Birmingham, AL 35233 Fax: 801-355-4211 Erie, CO 80516 Phone: 970-586-2364 Phone: 970-416-5000 E-mail: [email protected] Person In Charge: Sandy Estes Park, CO N/A Phone: 800-239-1996 Web site: Phone: 303-828-0888 Web site: www.keybank.com Fax: 970-416-5006 Web site: www.schwab.com Abromski, Owner Phone: 970-586-2957 Web site: www.compassweb.com www.communityfirst.com Fax: 303-729-3770 Products/Services: Banking serv- Web site: www.pscu.org Products/Services: Financial Fax: 970-586-1782 Web site: ices. Person In Charge: Dave Maus, CEO services, online trading, advice Bates & Bishop CPA Inc. Products/Services: Accounting, Cache Bank and Trust Community South Bank www.greatwesternbank.com and banking. 234 Elder Drive auditiong, bookkeeping, payroll. 924 11th St. 1331 17th St., Suite 810 E-mail: KeyBank of Colorado Public Service Credit Union Person In Charge: Chris Barr, Vice Loveland, CO 80538 Person In Charge: Kurt Streib, Greeley, CO 80631 Denver, CO 80202 [email protected] 1130 Haxton Drive 2529 N. Lincoln Ave. president-Financial Consultant CFP Phone: 970-669-7400 President Phone: 970-351-8600 Phone: 303-292-9280, Ext. 232 Fort Collins, CO 80525 Loveland, CO 80538 Fax: 970-669-7404 Fax: 970-351-7878 Fax: 303-292-9285 Phone: 970-226-3902 Phone: 970-416-5000 Core Financial E-mail: Paychex Inc. Web site: E-mail: smahoney@communi- Web site: www.keybank.com Fax: 970-416-5006 1732 W. Taft Hill Road [email protected] 116 E. Oak St. www.cachebankandtrust.com tysouthlending.com Products/Services: Banking serv- Web site: www.pscu.org Fort Collins, CO 80526 Web site: Fort Collins, CO 80524 Web site: www.communitysouth- ices. Person In Charge: Dave Maus, CEO Phone: 970-214-1121 www.batesbishopcpa.com Phone: 970-482-4559 CEDCO Small Business Finance lending.com Great Western Bank Fax: 970-204-9676 Products/Services: Payroll serv- Fax: 970-224-4175 Corp. 3711 JFK Parkway, Suite 100 KeyBank of Colorado Public Service Credit Union E-mail: ice and tax preparation. E-mail: [email protected] 1175 Osage St., Suite 110 Denver Urban Economic Fort Collins, CO 80525 100 E. Drake Road 422 Main St. [email protected] Person In Charge: Rex Bates, Web site: www.paychex.com Denver, CO 80204 Development Corp. Phone: 970-225-4907 Fort Collins, CO 80525 Windsor, CO 80550 Products/Services: Help people President Products/Services: Payroll serv- Phone: 303-893-8989 1905 Sherman St., Suite 200 Fax: 970-225-4905 Phone: 970-494-2480 Phone: 970-416-5000 and businesses protect, grow and ices. Fax: 303-892-8398 Denver, CO 80203 E-mail: [email protected] Web site: www.keybank.com Fax: 970-416-5006 preserve their assets through Capital Accounting & Finance Person In Charge: Susan Shirley E-mail: [email protected] Phone: 303-861-4100 Web site: Products/Services: Banking serv- Web site: www.pscu.org investments and insurance. Inc. Web site: www.cedco.org Fax: 303-861-9456 www.greatwesternbank.com ices. Person In Charge: Dave Maus, CEO Specializing in Socially 1015 37th Ave. Court., Suite 101 PayChoice E-mail: [email protected] E-mail: Responsible Investments. Greeley, CO 80634 185 N. College Ave. Celtic Bank Corp. [email protected] KeyBank of Colorado REA Mortgage LLC Phone: 970-352-8118 Fort Collins, CO 80524 340 E. 400 South Excel National Bank 300 W. Oak St. 4703-B Boardwalk Drive, Suite 1 Northwestern Mutual Financial Fax: 970-353-6690 Phone: 970-416-0711 Salt Lake City, UT 84111 9701 Wilshire Blvd. Green Financial Center Fort Collins, CO 80524 Fort Collins, CO 80525 Services E-mail: [email protected] Fax: 970-484-0095 Phone: 801-363-6500 Beverly Hills, CA 90212 1919 65th Ave., Suite 6 Phone: 970-482-3216 Phone: 970-223-0907 3665 JFK Parkway, Bldg. 1, Suite Web site: www.CapitalAFI.com E-mail: [email protected] Fax: 801-363-6562 Phone: 888-392-5265 Greeley, CO 80634 Fax: 970-221-2811 Fax: 970-223-2615 100 Products/Services: Individual & Web site: www.paychoice.com E-mail: [email protected] Web site: www.bankexcel.com Phone: 970-330-7792 Web site: www.keybank.com E-mail: [email protected] Fort Collins, CO 80525-3152 business income-tax preparation, Products/Services: Payroll and Web site: www.celticbank.com E-mail: [email protected] Products/Services: Mortgages Web site: www.reagroup.us Phone: 970-225-3474 full-payroll and bookkeeping serv- tax services; automated timekeep- First Chatham Bank and banking services. Products/Services: Purchases, Fax: 970-226-5036 ice, QuickBooks consulting, instal- ing systems; human resource soft- Center Bank 111 Barnard St. Hastings Mortgage refinancing, second mortgages, E-mail: [email protected] lation and training. ware and support; employee bene- 253 N. Western Ave. Savannah, GA 31401 2627 Redwing Road, Suite 360-F KeyBank of Colorado home equity loans, reverse mort- Web site: www.nmfn.com/thefort Person In Charge: Heidi Klepper, fit plans; integrated retirement Los Angeles, CA 90004 Web site: www.firstchatham.com Fort Collins, CO 80526 822 14th St. gages. collinsgroup President plans; workers compensation Phone: 213-381-2222 Phone: 970-223-8600 Greeley, CO 80631 Person In Charge: Jeffery Products/Services: Financial insurance; employee background Web site: www.centerbank.com First Interstate Bank - Laramie Fax: 970-226-3048 Phone: 970-378-3220 Fanning, Founder Services and Financial planning, Dye & Whitcomb LLC screening services; and more. 221 Ivinson Street E-mail: [email protected] Web site: www.keybank.com insurance, investment manage- 4115 Boardwalk Drive, Suite 108 Person In Charge: Andy CIT Small Business Lending Laramie, WY 82070 Web site: www.loanhm.com Products/Services: Banking serv- Silver Creek Mortgage ment. Fort Collins, CO 80525 Hairgrove, Regional vice president Corp. Phone: 307-721-4600 Products/Services: Mortgages, ices. 137 E. 37th St, Creekside Plaza Person In Charge: Ryan E. Yoder, Phone: 970-207-9724 1 CIT Center E-mail: [email protected] real estate lending. Loveland, CO 80538 Managing director Fax: 970-207-9750 Livingston, NJ 07039 Web site: www.firstinterstate.com Person In Charge: Jamie Merrill KeyBank of Colorado Phone: 970-663-5800 Paul Z. Watkins, Owner E-mail: [email protected] R.L. Hildebrand & Associates Phone: 800-713-4984 125 E. Seventh St. Fax: 970-663-5959 Web site: http://dyewhitcomb.com Inc. E-mail: [email protected] Home A Loan Financial Inc. Loveland, CO 80537 Web site: www.silvercr.com Raymond James Financial Products/Services: Accounting 2629 Redwing Road, No. 290 Web site: 2601 S. Lemay Ave. Phone: 970-667-3083 Services and bookkeeping services, includ- Fort Collins, CO 80526 www.smallbizlending.com Fort Collins, CO 80525 Web site: www.keybank.com The Group Guaranteed Mortgage 309 E. Mountain Ave., Suite 200 ing payroll and tax preparation. Phone: 970-229-0389 Phone: 970-225-2993 Products/Services: Banking serv- 2803 E. Harmony Road Fort Collins, CO 80524 Person In Charge: James K. Dye, Fax: 970-229-0395 CIT Small Business Lending First National Bank E-mail: [email protected] ices. Fort Collins, CO 80528 Phone: 970-224-2193 Principal E-mail: Corp. 205 W. Oak St. Phone: 970-229-2512 Fax: 970-224-2194 [email protected] 1526 Cole Blvd., Bldg. 3 Fort Collins, CO 80521 Home State Bank Fax: 970-229-2511 E-mail: Employer Solutions Group Web site: www.rlhildebrand.com Golden, CO 80401 Phone: 970-495-9450 2337 S. Shields St. E-mail: [email protected] 3760 E. 15th St., Suite 201 Products/Services: Full range of Phone: 303-202-3756 Web site: Fort Collins, CO 80526 [email protected] Products/Services: Financial Loveland, CO 80538 services including general Fax: 303-202-3789 www.1stnationalbank.com Phone: 970-203-6100 Web site: services, stock brokers, IRAs, Phone: 970-612-2022 accounting, bookkeeping, budget Web site: E-mail: [email protected] Larimer Bank of Commerce www.thegroupmortgage.com money market accounts, etc. Fax: 970-612-2021 analysis, payroll, estate planning www.smallbizlending.com First National Bank of Arizona Web site: 1432 E. Mulberry St., Unit B Products/services: New construc- E-mail: [email protected] and and tax preparation. 17600 N. Perimeter Drive www.homestatebank.com Fort Collins, CO 80524 tion financing, home equity loans, RWN3 LLC [email protected] Person In Charge: Rick Citywide Banks Scottsdale, AZ 85255 Products/Services: Banking and Phone: 970-224-7200 first-time home buyers programs 561 Garden Drive, Unit B Web site: www.esghr.com Hildebrand, Owner 10660 E. Colfax Ave. Phone: 480-458-2000 loans. Fax: 970-224-7219 and fast upfront approval. Windsor, CO 80550 Products/Services: Provides com- Aurora, CO 80010 Fax: 480-458-2090 Person In Charge: Harry E-mail: [email protected] Person In Charge: Stu Hoime, Phone: 970-674-8861 plete HR outsourcing, coordinating Sample & Bailey CPA PC Phone: 303-365-3600 E-mail: [email protected] Devereaux, President Web site: www.larimerbank.com Venture managers Fax: 970-797-1211 payroll, benefits, risk manage- 375 E. Horsetooth Road, Bldg. 4, Fax: 303-365-3601 Web site: www.fnbaonlinehb.com Person In Charge: Mark Allen Web site: www.rwn3.com ment, tax compliance and HR con- Suite 200 E-mail: Home State Bank Kross, President TierOne Bank Commercial Real E-mail: [email protected] sulting. Fort Collins, CO 80525 [email protected] 303 E. Mountain Ave.. Estate Loan Office Product/Service: The RWN3 Person In Charge: Clark Merkley, Phone: 970-223-8825 Web site: www.citywidebanks.com Fort Collins, CO 80524 Lighthouse Lending LLC 2318 72nd Ave. Court Conservative Allocation Mutual President Fax: 970-223-0817 Phone: 970-203-6100 6500 W. 29th St., Suite 230 Greeley, CO 80634 Fund. Jessica Hergenreter, Director - E-mail: Colorado Lending Source E-mail: [email protected] Greeley, CO 80634-8396 Phone: 970-351-8944 Person in charge: Bud Noffsinger, Colorado [email protected] 518 17th St., Unit 1800 Web site: Phone: 970-339-0030 E-mail: kathleen.snodgrass@ President / CEO Web site: Denver, CO 80202 www.homestatebank.com Fax: 970-339-0044 tieronebank.com First Priority Payroll www.sampleandbailey.com Phone: 303-657-0010 Products/Services: Banking and E-mail: [email protected] Web site: www.tieronebank.com 2842 Claremont Drive Products/Services: Accounting, Fax: 303-657-0140 loans. Web site: www.houseloan.com Products/Services: Residential Fort Collins, CO 80526 payroll, tax, financial services. E-mail: Person In Charge: Harry Products/Services: Conventional, mortgages. Phone: 970-204-9449 Person In Charge: Roger L. [email protected] Devereaux, President subprime, VA, niche. Person In Charge: Kathleen Fax: 970-204-9669 Sample, President Web site: Person In Charge: Tom Beck Snodgrass, Vice president E-mail: [email protected] www.coloradolendingsource.org Home State Bank Beau Couch, Managing members Products/Services: Accounting, Small Business Services and 935 N. Cleveland Ave. U.S. Bank National Association auditing, bookkeeping and payroll Solutions Colorado State Bank and Trust Loveland, CO 80537 Loan Perfect 3338 Arapahoe Road services. 2601 S. Lemay Ave., Suite 3 1600 Broadway Phone: 970-203-6100 123 N. College Ave. Suite 200 Erie, CO 80516 Person In Charge: Fred Martin, Fort Collins, CO 80522 Denver, CO 80202 Fax: 970-669-6228 Fort Collins, CO 80524 Phone: 303-269-8300 Manager, President Phone: 970-214-1082 Phone: 303-863-4478 E-mail: [email protected] Phone: 970-686-6677 Fax: 303-926-0318 Fax: 970-461-2038 Fax: 303-863-4459 Web site: Fax: 970-686-6699 E-mail: [email protected] E-mail: [email protected] www.homestatebank.com E-mail: [email protected] US Bank Web site: www.yoursbss.com Web site: www.csbt.com Products/Services: Banking and Web site: www.loanperfect.com 6110 Firestone Blvd. Products/Services: Bookkeeping, loans. Firestone, CO 80504 payroll, taxes, QuickBooks training, Person In Charge: Harry Phone: 720-652-6691 office support and management. Devereaux, President Web site: www.usbank.com Products/Services: Banking. March 26-April 8, 2010 | www.businessreportdaily.com Northern Colorado Business Report | 15B

First National Bank of Arvada Main Street Lender LLC Premier Bank Uniti Bank Wells Fargo Bank West N.A. Conscious Capital Fund LP REA Mortgage LLC 7530 Grandview Ave. 2 Wisconsin Circle 1630 Stout St. 6301 Beach Blvd., No. 100 1740 Broadway St. 1107 T12th St., Suite 519 4703-B Boardwalk Drive, Suite 1 Arvada, CO 80002 Chevy Chase, MD 20815 Denver, CO 80202 Buena Park, CA 90621 Denver, CO 80274 Boulder, CO 80302 Fort Collins, CO 80525 Phone: 303- 422-1441 Phone: 866-675-0101 Phone: 303-623-8888 Phone: 714-736-5700 Phone: 303-861-8811 Phone: 303-443-8883 Phone: 970-223-0907 Web site: www.fnboa.com Great Western Bank Web site: www.msl.com Fax: 303-623-8505 Fax: 714-736-5708 Fax: 303-863-5806 E-mail: michaeljude@conscious Fax: 970-223-2615 35 First Ave. NE E-mail: PremierService@ Web site: www.unitibank.com Web site: www.wellsfargo.com capitalfund.com E-mail: [email protected] First National Bank of Colorado Waterton, SD 57201 Mile High banks PremierBankUSA.com Web site: Web site: www.reagroup.us 3033 Iris Ave. Web site: 1700 Kylie Drive, Suite 200 Web site: UPS Capital Business Credit Wilshire State Bank www.consciouscapitalfund.com Person In Charge: Jeffery Boulder, CO 80301 www.greatwesternbank.com Longmont, CO 80501-2364 www.premierbankusa.com 280 Trumbull St. 3200 Wilshire Blvd., 14th Floor Person In Charge: Michael Jude Fanning, Founder Phone: 303-544-7999 Phone: 303-684-7350 Hartford, CT 06103 Los Angeles, CA 90010 Lopitz, Web site: www.fnbconline.com Guaranty Bank & Trust Co. Fax: 303-684-7357 Premier Members Federal Credit Phone: 860-727-0700 Phone: 213-387-3200 Roser Ventures LLC 3151 N. Garfield Ave. E-mail: Union Web site: http://capital.ups.com Fax: 213-427-6562 CTEK Venture Center 1105 Spruce St. First National Bank of Wyoming Loveland, CO 80538 [email protected] 5495 Arapahoe Ave. Web site: www.wilshirebank.com 1625 Broadway St. Suite 950 Boulder, CO 80302 DBA Capital West Phone: 970-267-6906 Web site: Boulder, CO 80303 US Bank Denver, CO 80202 Phone: 303-443-6436 2020 E. Grand Ave. Fax: 970-267-6908 www.bankhorizononline.com Phone: 303-657-7000 1520 Main St. World Trade Finance Inc. Phone: 303-546-9595 Fax: 303-443-1885 Laramie, WY 82070 Web site: Fax: 303-657-7355 Windsor, CO 80550 515 N Central Ave., Suite B E-mail: [email protected] E-mail: Phone: 307-745-7351 www.guarantybankco.com Mile High Banks Web site: Phone: 970-686-0754 Glendale, CA 91203 Web site: www.ctek.biz [email protected] Fax: 307-745-4932 1726 Hover St. www.premiermembers.org Web site: www.usbank.com Phone: 818-550-0788 Person In Charge: Gary Held Web site: www.roserventures.com E-mail: [email protected] Hana Small Business Lending Longmont, CO 80501 Fax: 818-550-6282 Person In Charge: Christopher W. Web site: www.fnbwyo.com Inc. Phone: 303-772-2227 Public Service Credit Union US Bank Enhanced Capital Partners LLC Roser, Partner 1000 Wilshire Blvd., 20th Floor Fax: 970-669-8144 2545 Research Blvd. 3690 W. 10th St. Zions Bank 5251 DTC Parkway, Suite 1100 FirstBank of Northern Colorado Los Angeles, CA 90017-2407 Web site: Fort Collins, CO 80526 Greeley, CO 80634 1S.MainSt. Greenwood Village, CO 80111 Sequel Venture Partners 1013 E. Harmony Road Phone: 888-476-9788 www.bankhorizononline.com Phone: 970-416-5000 Phone: 970-392-9717 Salt Lake City, UT 84111 Phone: 303-810-3434 4430 Arapahoe Ave., Suite 220 Fort Collins, CO 80525 Web site: www.hanasba.com Fax: 970-416-5006 Fax: 970-352-7087 Phone: 801-524-2330 E-mail: Boulder, CO 80303 Phone: 970-223-4000 Mirae Bank Web site: www.pscu.org Web site: www.usbank.com Fax: 801-524-4772 [email protected] Phone: 303-546-0400 Fax: 970-282-3925 Hanmi Bank - SBA Loan Center 3255 Wilshire Blvd., No. 1100 Web site: www.zionsbank.com Web site: www.enhancedcap.com Fax: 303-546-9728 Web site: www.efirstbank.com 3327 Wilshire Blvd. Los Angeles, CA 90010 Public Service Credit Union US Bank E-mail: [email protected] Los Angeles, CO 90010 Phone: 213-427-7900 7055 E. Evans 4548 Centerplace Drive Venture Capital Foundry Group Web site: www.sequelvc.com FirsTier Bank Phone: 213-427-5722 Web site: www.miraebank.com Denver, CO 80620 Greeley, CO 80634 1050 Walnut St., Suite 210 Person In Charge: John Greff, 980 Dillon Road Fax: 213-427-5774 Web site: www.pscu.org Phone: 970-330-5146 Firms Boulder, CO 80302 Partner Louisville, CO 80027 Web site: www.hanmi.com Money Store Investment Corp. Web site: www.usbank.com Phone: 303-642-4050 Phone: 303-926-9000 3464 El Camino Ave., Suite 130 Scedd Development Co. Access Venture Partners Fax: 303-642-4001 Solorado LLC E-mail: [email protected] Heller First Capital Corp. Sacramento, CA 95816 1104 N. Main St. US Bank National Association 8787 Turnpike Drive, Suite 260 E-mail: [email protected] 4945 Eldorado Springs Drive Web site: www.firstierbank.com 500 W. Monroe, Suite 1100 Phone: 704-374-4139 Pueblo, CO 81003 425 Walnut St. Westminster, CO 80030 Web site: www.foundrygroup.com Boulder, CO 80303 Chicago, IL60661 Phone: 719-545-8680 Cincinnati, OH 45202 Phone: 303-426-8899 Person In Charge: Bradley Feld, Phone: 303-875-9045 Flagship Bank Minnesota Mutual of Omaha Bank Phone: 513-632-4141 Fax: 303-426-8828 Managing director Fax: 303-499-3664 445 E. Lake St. Heritage Bank 3333 Farnam St. Silver State Bank Web site: www.usbank.com E-mail: E-mail: [email protected] Wayzata, MN 55391 1020 Century Drive Omaha, NE 68131 400 N. Green Valley Parkway [email protected] Greenmont Capital Partners Web site: www.solorado.com Phone: 952-473-1959 Louisville, CO 80027 Phone: 866-351-5646 Henderson, NV 89074 US Bank National Association Web site: 1628 Walnut St. Person In Charge: R. Darrell Fax: 952-473-1969 Phone: 303-666-0666 Web site: Phone: 702-433-8300 730 Colorado Blvd. www.accessventurepartners.com Boulder, CO 80302 Laham, General manager Fax: 303-665-0999 www.mutualofomahabank.com Fax: 702-968-8517 Denver, CO 80206 Person In Charge: Frank Phone: 303-444-0599 FlatIrons Bank E-mail: Web site: Phone: 303-394-7073 Mendicino II Fax: 303-444-0603 Tango 5400 Mount Meeker Road [email protected] Nara Bank N.A. www.silverstatebank.com Fax: 303-399-2809 E-mail: 831 Pearl St. Boulder, CO 80301 Web site: www.heritagebanks.com 3731 Wilshire Blvd. Web site: www.usbank.com Appian Ventures [email protected] Boulder, CO 80302 Phone: 303-530-4999 Los Angeles, CA 90010 Stearns Bank National 1512 Larimer St., Suite 200 Web site: Phone: 303-381-2606 Fax: 303-530-4735 Home State Bank Phone: 213-639-1700 Association Vectra Bank Colorado National Denver, CO 80203 www.greenmontcapital.com Fax: 303-381-2630 E-mail: [email protected] 2695 W. Eisenhower Blvd. Web site: www.narabank.com 4191 Second St. S. 2000 S. Colorado Blvd., No. 2-1200 Phone: 303-830-2450 Person In Charge: David J. K. Link, E-mail: [email protected] Web site: www.flatironsbank.com Loveland, CO 80537 St. Cloud, MN 56301 Denver, CO 80222 Fax: 303-830-2449 Vice president Web site: www.tangogroup.com Phone: 970-461-2292 Phone: 320-253-6607 Phone: 720-947-7700 E-mail: [email protected] Person In Charge: Scott Beck Fax: 970-669-6228 Newtek Small Business Finance Fax: 320-253-3051 Fax: 720-947-7760 Web site: www.appianvc.com Hercules Technology Growth E-mail: Inc. E-mail: Web site: Person In Charge: Chris Onan, Capital Inc. Venture Associates Ltd. [email protected] 1440 Broadway, 17th Floor [email protected] www.vectrabankcolorado.com Principal 1941 Pearl St., Suite 300 4950 E. Evans Ave., Suite 105 Web site: New York City, NY 10018 Web site: www.stearns-bank.com Boulder, CO 80302 Denver, CO 80222 Fort Collins Commerce Bank www.homestatebank.com Phone: 212-356-9500 Vista Bank Aweida Venture Partners Phone: 303-245-0511 Phone: 303-758-8710 3700 S. College Ave., Unit 102 Fax: 212643-1006 Superior Financial Group 1310 Garden of the Gods Road 500 Discovery Parkway, Suite 300 Fax: 720-565-4687 Fax: 303-758-8747 Fort Collins, CO 80525 Innovative Bank Web site: 165 Lennon Lane Colorado Springs, CO 80907 Superior, CO 80027 E-mail: E-mail: [email protected] Phone: 970-204-1010 360 14th St. www.newtekbusinessservices.com Walnut Creek, CA 94598 Phone: 719-448-0707 Phone: 303-664-9520 [email protected] Web site: www.venturea.com Fax: 970-204-1590 Oakland, CA 94612 Phone: 925-296-0500 Web site: www.vistabank.com Fax: 303-664-9530 Web site: www.herculestech.com Person In Charge: James E-mail: ebank@fortcollins Pacific City Bank Fax: 925-296-0510 E-mail: [email protected] Person In Charge: Edward M. Arkebauer, Partner commercebank.com Ironstone Bank 3701 Wilshire Blvd., Suite 402 Web site: www.superiorfg.com WebBank Web site: www.aweida.com Messman, Managing director Web site: www.fortcollins 13700 E. Colfax Ave., Suite P Los Angeles, CA 90010 6440 S. Wasatch Blvd., Suite 300 Person In Charge: Dan Aweida, Vista Ventures commercebank.com Aurora, CO 80011 Phone: 213-210-2000 TCF Bank Salt Lake City, UT 84121 Harry Ross, Jesse Aweida, Mobius Venture Capital 1011 Walnut St., Fourth Floor Phone: 303-367-3360 Fax: 213-210-2032 200 Lake St. East Phone: 888-881-3789 Managing partners 1050 Walnut St., Suite 200 Boulder, CO 80302 Gardner National Bank Web site: www.ironstonebank.com Web site: www.paccitybank.net Wayzata, MN 55391 Fax: 801-993-5015 Boulder, CO 80302 Phone: 303-543-5716 840 E. Main St. Phone: 612-661-6500 E-mail: Boulder Ventures Ltd. Phone: 303-642-4044 Fax: 303-543-5717 Gardner, KS 66030 Irwin Franchise Capital Corp. Peak National Bank Web site: www.tcfbank.com [email protected] 1900 Ninth St., Suite 200 Fax: 303-642-4001 E-mail: [email protected] Phone: 913-856-7199 2700 Westchester Ave., Suite 100 770 Heritage Road Web site: www.webbank.com Boulder, CO 80302 E-mail: [email protected] Web site: www.vistavc.com Web site: Purchase, NY 10577 Golden, CO 80401 Phone: 303-444-6950 Web site: www.mobiusvc.com Person In Charge: Molly Nasky, http://www.gardnernational.com Phone: 914-251-1776 Phone: 303-216-9999 Temecula Valley Bancorp Inc. Wells Fargo Bank Fax: 303-444-0267 Person In Charge: Bradley Feld, Vice president, Finance Fax: 914-251-1984 E-mail: [email protected] 27710 Jefferson Ave., A-100 633 17th St., Third Floor E-mail: [email protected] Managing director GE Capital Small Business Web site: www.irwinfc.com Web site: www.peakbank.com Temecula, CA 92590 Denver, CO 80202 Web site: Vista Ventures 127 Public Square Phone: 800-939-3736 Phone: 303-293-5963 www.boulderventures.com Morgenthaler Ventures 1725 Linden Lake Road Cleveland, OH 44114 JP Morgan Chase Bank National Pikes Peak Regional Web site: www.temvalbank.com Web site: www.wellsfargo.com Person In Charge: Kyle Lefkoff, 4430 Arapahoe Ave., Suite 220 Fort Collins, CO 80524 Phone: 888-335-4372 Association Development Corp. General partner Boulder, CO 80303 Phone: 970-495-1800 Web site: 270 Park Ave. 228 N. Cascade Ave., Suite 208 Transamerica Small Business Wells Fargo Bank N.A. Phone: 303-417-1601 E-mail: [email protected] http://www.gecapital.com New York City, NY 10017 Colorado Springs, CO 80903 Capital 420 Montgomery St. BV-Cornerstone Ventures LP Fax: 303-417-1602 Web site: www.vistavc.com Phone: 212-483-2323 Phone: 719-471-2044 6075 S. Quebec St. San Francisco, CA 94163 11001 W. 120th Ave., Suite 310 E-mail: [email protected] Person In Charge: David E. Dwyer, GE Capital Small Business Fax: 312-732-3366 Fax: 719-471-2042 Englewood, CO 80111 Phone: 866-878-5865 Broomfield, CO 80021 Web site: www.morgenthaler.com General partner Finance Corp. Web site: www.chase.com E-mail: [email protected] Phone: 303-220-9454 Fax: 415-677-9075 Phone: (303) 410-2500 Person In Charge: Ralph E. 8480 E. Orchard Road, Suite 5000 Web site: www.pprdc.com Web site: www.transamerica.com Web site: www.wellsfargo.com Fax: (303) 466-9316 Christoffersen, General partner Wallach Venture Partners, a Englewood, CO 80111 JPMorgan Chase Bank National E-mail: [email protected] division of Keycorp’s McDonald Phone: 303-488-9000 Association Pinnacle Bank - Wyoming United Central Bank Wells Fargo Bank NA - Cheyenne Web site: www.bvcv.com NewWest Capital Partners Investments Inc. (FN) Fax: 303-694-1848 1111 Polaris Parkway 2000 Main St. 4555 W. Walnut St. 1701 Capitol Ave. Person In Charge: Tom McCloskey, 1025 Fifth St. 1401 17th St., Suite 750 Web site: Columbus, OH 43240 Torrington, WY 82240 Garland, TX 75042 Cheyenne, WY 82001 Managing director Boulder, CO 80302 Denver, CO 80202-1245 www.gesmallbusiness.com Phone: 312-732-4000 Phone: 307-532-2181 Phone: 800-787-0755 Phone: (07-634-3314 Phone: 303-247-1221 Phone: 303-293-2800 Web site: www.chase.com Fax: 307-532-2511 E-mail: [email protected] Web site: www.wellsfargo.com Colorado Venture Management Fax: 303-832-6154 Fax: 303-293-3914 Goleta National Bank E-mail: Web site: www.ucbtx.com Inc. E-mail: [email protected] Person In Charge: Mike Franson 5827 Hollister Ave. JPMorgan Chase Bank, National [email protected] 4845 Pearl East Circle, Suite 300 Web site: www.mezzcap.com Goleta, CA 93117 Association Web site: www.wypinnbank.com United Western Bancorp Inc. Wells Fargo Bank National Boulder, CO 80301 Person In Charge: David Henry, Wolf Ventures Phone: 805-681-9943 10 S DEARBORN 700 17th St., Suite 100 Association Phone: 303-440-4055 Dan Arenberg, Chet Winter 820 S. Monaco #312 Web site: Chicago, IL60608 Preferred Lending Partners, a Denver, CO 80202 101 N. Phillips Ave. Fax: 303-440-4636 Managing general partners Denver, CO 80224 http://www.goleta.com:80/ Web site: www.chase.com DUEDC Co. Phone: 720-956-6500 Sioux Falls, SD 57104 E-mail: [email protected] Phone: 303-321-4800 140 E. 19th Ave., Suite 202 E-mail: [email protected] Phone: 800-956-4442 Person In Charge: Ed Wetherbee, Fax: 303-321-4848 Keybank National Association Denver, CO 80203 Web site: www.uwbank.com Web site: www.wellsfargo.com Partner E-mail: [email protected] 127 Public Square Phone: 303-861-4100 Web site: N/A Cleveland, OH 44114 Fax: 303-861-9456 Person In Charge: David O. Wolf, Phone: 216-689-3000 E-mail: N/A Managing partner Web site: www.key.com Web site: www.preferredlendingpartners.org

Subscribe to the Business Report

Thousands of business Subscribe today for only

leaders Get it. Now $ 49.97. Business Newspapers you can too. Call Today! 141 S. College Ave. :: Fort Collins, CO 80524-2810 :: 970.221.5400 • Fax: 970.221.5432 :: www.NCBR.com Business Gold Partners Partners Make a Difference Climate Wise Program Salutes Platinum & Gold Partners A hearty round of applause goes out to the following Fort Collins businesses for outstanding environmental stewardship and reducing greenhouse gas emissions. Join the city's Climate Wise Program in thanking these innovators for making our community a greener and healthier place to live: Platinum Partners

Anheuser-Busch photo by Ryan Maier Café Ardour photo by Ryan Maier Avago Technologies photo by Ryan Maier Recycled or re-used 99% of solid waste stream. A new Decreased vehicle use by approximately 6,500 miles For the third consecutive year, they reduced electrical environmental tours program will be offered to all full-time through continued use of bicycle deliveries for bagels, consumption by approximately 2%, despite increases in employees to increase awareness about environmental burritos, recycling, errands and employee transportation. production. They also converted 8 acres of asphalt on their impacts and how to reduce them at work and at home. They also became a climate neutral business in 2007. property to native grasses, bushes and trees that will eventually need zero irrigation.

New Belgium Brewing Compliance Partners /Seven Generations Land Images, Inc. photo by Ryan Maier Company, Inc. photo by Ryan Maier photo by Ryan Maier DevelopedSCALESTM,aninternalofficedesignprocessto Demonstrateda50%reductioninHVACandlighting Compliance Partners' Sunstone office building was the first to pursue helpensurethatdesignscontributepositivelytothe energy usecomparedtoASHRAEstandardsintheir LEED-EB certification in Fort Collins. In addition, Seven Generations' community,environmentandeconomy.Theyalso newpackaginghall.Theyalsopoweredthe"Tourde office building was the first certified LEED-CS Platinum building in createdTipsandTricksforSustainabilityDevelopment, Fat"trailerwithasolarphotovoltaicsystem. Northern Colorado. acommunityoutreachprogramtoprovidepractical informationandreferencesonhowtostartadding sustainabilitytoprojects.

The Neenan Company Clean Air Lawn Care photo by Ryan Maier Poudre School District photo by Ryan Maier photo by Brad Randall Reduced125,000lbs.ofpollutionbyswitchingcustomersfromgas Arecognizedleaderinpublicschoolenergyandenvironmental Installed a Green Roof on a portion of the mowerstoelectricequipmentandthroughcarbonoffset stewardshipsince1994,PSDcontinuestobeamongthetop company's roof. Through their employee purchases.Theyalsodevelopedthe"CleanLawnCalculator"to energyefficientschooldistrictsinColorado.Todate,they've challenge program, "Dude Where's My Trash calculatepollutionassociatedwithindividuallawncaremethod. completed140energyefficientprojectswithaone-timesavings Can", the company has decreased CO2e ofover$1.88millionandongoingannualsavingsof$437,000. associated with waste reduction by 86%.

Please support our Fort Collins Climate Wise Partners fcgov.com/climatewise Email: [email protected] I Climate Wise is a TOP 50 Innovative Government Program as recognized by Harvard University. I During 2009, the Climate Wise Program was awarded the Outstanding Achievement in Local Government Did you know? Innovation awards from the Alliance for Innovation.