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Banking & Finance

$ 1 Plans for CSU speeding up Oct. 12-25, 2007 new banks research to market Vol. 13, No. 1 slowing to Research clusters www.ncbr.com a halt work toward rapid commercialization Page 19 Page 2 Powertech’s costs, potential profits soar

Costly process, pound of uranium from deep with- land where it owns mineral rights Local engineering in the geologic formations under west of Nunn, a tract the company Mining firm wins Expy big rewards on northwest Weld County. calls the Centennial Project. TST Inc. Consulting But if the price for the mineral It’s the first major step toward hotline Engineers joins uranium horizon that the world’s nuclear power what would be the first commercial elite company industry relies upon stays at current uranium operation ever in North- The Centennial Project information line, Page 3 303-898-4240 or toll free at 1-877-798- By Steve Porter levels, the subsidiary of Vancouver, ern Colorado, provided the compa- Canada-based Powertech Uranium ny successfully secures all of its per- 4240, is open for calls. Powertech USA All Copy Products sp [email protected] Corp. will reap rewards that far mits, licenses and approvals from says messages left there will receive a enters NoCo market exceed its costly permitting process. federal, state and county entities. response within 24 hours, Monday Denver-based image NUNN — Uranium producer In recent weeks, Powertech has Centennial Project manager through Friday, between 8 a.m. and 5 technology firm wants Powertech USA faces a long and been drilling monitoring and aquifer p.m., Mountain Time. to grow into region expensive battle to mine its first test wells on about 5,700 acres of See POWERTECH, 38 Page 3

Heli-Support hiring taking off New certificate means Water district more mechanic jobs Profits fall at region’s banks for Fort Collins firm Page 3 50000 sues Bu-Rec THE EDGE FALLING DOL- LARS — Half-year SOURCE: FEDERAL DEPOSIT INSURANCE CORP. for unpaid results for North- ern Colorado- based banks show 40000 that net income ‘carriage’ fee declined 20 per- cent compared to 2006. It is the first time that Northern NCWCD claims Take your firm Colorado banks 30000 on the Web have experienced such a net income more than $100K Right designer can decline since the make or break your Federal Deposit owed for water online presence Insurance Corp. Page 9 began providing 20000 By Steve Porter half-year data in spor [email protected] 2002. June 30 LISTS results for all U.S. BERTHOUD — The Northern Region’s largest banks showed a Colorado Water Conservancy Dis- year-over-year decrease of 3 per- 10000 trict is suing the U.S. Bureau of Internet service Reclamation for allegedly not shar- providers cent in net income.

Net income of Northern Colorado-based banks as of June 30 ($ in 000’s) June 30 as of banks Northern Colorado-based of income Net ing payments for water carried Page 8 through pipelines and reservoirs that are part of the Colorado-Big Non-local banks Thompson Project. Page 27 0 The lawsuit, filed in Denver fed- 2002 2003 2004 2005 2006 2007200 eral court, claims the Bureau is Local banks obligated to pay the District “car- Page 28 Illustration by Bernie Simon, Northern Colorado Business Report riage revenues” it collected from Loveland and Berthoud for non- Credit unions Numbers 20 percent lower than year. The 20 percent decline in net project water carried through Dis- Page 33 income is the first such drop since trict-owned C-BT facilities. last year for first drop in decade the FDIC began providing half-year Under the original 1938 C-BT data in 2002. Additionally, the Project contract, the District alleges, By Kristen Tatti income. Northern Colorado banking mar- a portion of the payments by Love- ktatti@nc br.com For the first half of 2007, North- ket has not seen a year-over-year land and Berthoud paid to the ern Colorado-based banks reported decline in net income since 1998. Bureau were to be forwarded to the F or the first time in almost 10 combined net incomes of $34.7 “Right now, what’s dampening District after the original contract years, the region’s locally based million, down from $43.1 million net income is that there is not a lot was fulfilled. The contract was ful- banks did not see an increase in net for the same period the previous See BANKS, 20 See WATER, 25 2 | The Northern Colorado Business Report www.ncbr.com | Oct. 12-25, 2007 CSU poised to speed research into marketplace

But until recently, moving research that Supercluster firms could benefit humankind into the market- place has not been a quick or easy process. work toward rapid Orme started his own company, Mycos Research LLC, in 1997 to help take CSU commercialization breakthroughs in TB research into com- mercial production and distribution. By Steve Porter “The reason I started Mycos was [email protected] because, at that time, a commercialization pipeline didn’t exist at CSU,” Orme said. FORT COLLINS — Ian Orme has been But that was then. Ten years later there is on a personal mission to develop a cure for a much more focused process at CSU for one of the planet’s most deadly diseases getting vaccines and treatments for a vari- throughout his entire career. ety of diseases into the marketplace. Orme, a professor in the Microbiology, Immunology and Pathology department at Enter the ‘superclusters’ Colorado State University, believes he is on Alliances of academic researchers across the verge of producing a tuberculosis vac- multiple disciplines and business experts cine that could help save millions of lives who know how to quickly market cutting- each year and prevent millions more from edge technology have formed into “super- becoming infected. clustsers.” CSU’s first supercluster is aimed Earlier this year, CSU announced that at developing treatments for infectious dis- Orme and his research team had developed ease, and its second is focused on fighting a novel vaccine to prevent tuberculosis by cancer. activating specific immune system func- Both were launched this year, a move tions that enhance the response to the bac- that Orme said was long overdue. terium that causes TB. “That’s what we should have done 10 “I took a natural protein from TB and years ago,” he said. “What CSU’s doing and fused it to another protein as a nice juicy what industry’s doing is driving that into a target. It’s pretty bloody clever, actually,” pipeline to (funding entities) to actually get said Orme, who was born in Great Britain things going.” and has spent the last 21 years doing Terry Opgenorth, who spent 20 years research and teaching at CSU. with Abbott Laboratories’ Global Pharma- The university, which has more than 100 ceutical Research and Development divi- Courtesy Colorado State University faculty, staff and students researching TB, is sion, was recently hired by CSU to serve as TB RESEARCHER — Ian Orme, a professor at Colorado State University, has been conducting research into an considered a world leader in basic science the chief operating officer for NeoTREX inexpensive vaccine for tuberculosis since 1986. Orme said he’s happy to see the university developing research leading to new preventive vaccines and and MicroRx, the respective enterprise superclusters and business mechanisms like CSU Ventures to help commercialize cures develop in its labs. medical treatments for the disease. See CSU, 32

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Oct. 12-25, 2007 | www.businessreportdaily.com The Northern Colorado Business Report | 3

THE ‘The Expy goes to (envelope please) TST!’

and Every Business A Stage.” Engineering firm The Engineerium, as TST calls its office center in the TST EYE joins fast company Boardwalk Business Park in southeast Fort Collins, with recent award bridges two buildings in a way Founded: 1977 Wait for that creates thematic spaces Management: Don Taranto and Ed Goodman, By Tom Hacker and funky features that invite co-owners [email protected] “experience,” making it the Headquarters: Fort Collins Odell’s PINE FORT COLLINS — When partners in TST stage that Pine and Gilmore Product/Service: Civil engineering, surveying and Inc. Consulting Engineers opened their “engi- describe in their book. construction firm, providing professional services next brew: neerium” last year, they might not have imag- “It was way shocking,” TST marketing direc- for municipal organizations, districts and private ined it would become a shrine for the followers tor and engineerium architect Ed Goodman clients. of Joe Pine and Jim Gilmore, the wildly popular said of the award, coveted in circles where Pine Employees: 49 ‘Fogg Bat’ authors of “The Experience Economy.” and Gilmore are regarded as the reigning gurus Web: www.tstinc.com But it is now. TST is the recipient of the of modern business theory.“We had no idea. It’s “Expy” award that Pine and Gilmore bestow kind of humbling, when you consider who the Back in the days when annually upon a business that best exemplifies other winners have been.” SOURCE: BUSINESS REPORT RESEARCH the Eye was a lot sharper the subtitle of their best-seller, “Work Is Theater See TST, 40 with reflexes faster, a trip to the ballpark meant FOCUS bringing All Copy all along a glove, just in case a souvenir about new pop foul — or, better yet, home- run ball — NoCo market came within reach. Doug Odell, New owner of Image founder of the Fort Technologies anxious Collins craft brewery that to grow into region bears his name, didn’t By Kristen Tatti have a glove in [email protected] hand on his trip to Coors Field WINDSOR — In the past nine years, Den- Oct. 1 to see ver-based All Copy Products has grown from 7 what most peo- Kristen Tatti, Northern Colorado Business Report employees and $1.2 million in revenue to 145 ple agree was the employees and more than $20 million in rev- biggest Colorado FIXING TO FLY — Heli-Support Inc. technicians work on a helicopter slated for service with the U.S. Navy at the company’s enue, and its most recent expansion was into Rockies game in helipad in Fort Collins. Heli-Support employs 80 now and will add another dozen in the near future as the result of a new Northern Colorado. 12 years, the sin- certificate. All Copy purchased Windsor-based Image gle-game tiebreak- Technologies Inc. in July, primarily for the er against the San client base, according to All Copy President Diego Padres to Brad Knepper. However, the company also decide the National inherited the office in east Windsor and some League wild card playoff Heli-Support hiring goes of the staff. entry. “Most of the employees came on board,” A glove wouldn’t have Knepper said, adding that there are about done Odell much good, seven currently staffing the Northern Col- though, when in the bot- vertical for skilled workers orado office. tom half of the second If All Copy’s past is any indication of its inning, Rockies starting future, there is a high likelihood it will contin- pitcher Josh Fogg took a Northern Colorado. ue to grow in the region. wicked cut at a fastball Helicopter firm to Heli-Support is a subsidiary of Wyoming- Knepper, who had worked for IKON Office delivery from his San based Roberts Aircraft Co., founded in 1953. Solutions, was looking for an opportunity to add more mechanic Heli-Support was formed in 1981 with the goal own his own business in 1999. He purchased See THE EYE, 42 of providing maintenance support for Roberts, the 24-year-old All Copy and began recruiting jobs in Fort Collins which focuses on selling and leasing heli- additional staff from inside and outside the copters. printer and copier industry. By Kristen Tatti In the early 1980s, Heli-Support consisted In 2003, All Copy expanded into Phoenix [email protected] of three employees. The bulk of its work came and Colorado Springs through acquisitions. from the oil and gas industry, which was using “Most of our growth was through working INSIDE FORT COLLINS — A newly earned certifi- helicopters for exploratory purposes. By 1985, hard and employing the right people,” Knep- Briefcase ...... 10 cate will translate into about a dozen highly the company had received several important per said, adding that the company has been Calendar ...... 12 specialized new jobs and has already created six certifications from the Federal Aviation looking at other expansion opportunities. Classifieds ...... 43 new positions at Heli-Support Inc. in Fort Administration and from French helicopter “We were really anxious to get in the Comment ary ...... 44 Collins. manufacturer Aérospatiale, now known as Northern Colorado market,” he said. Daily Review ...... 17 Those jobs might have been filled in Eurocopter. All Copy plans to continue offering all of Leads ...... 48 Wyoming. “As the years went by, we gained a reputa- the products and services that Image Tech- Economic Indicators . . . .59 In late 2003, Heli-Support began moving its tion for our expertise in repair and overhaul,” nologies provided to its clients and then some. On The Job ...... 11 operations from north Fort Collins to a hang- explained Kevin Shields, vice president and Real Estate ...... 5 er facility near the Cheyenne Airport. But the general manager. “The business just grew a lit- Digital ‘docu-management’ Stockwatch ...... 14 company retreated from those plans and is tle bit each year.” While Image Technologies focused on now set for continued long-term growth in See HELI-SUPPORT, 36 See ALL COPY, 22 4 | The Northern Colorado Business Report www.ncbr.com | Oct. 12-25, 2007 Startup Journey a part of Are your investments aligned with your life goals? 10th Bravo! 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Oct. 12-25, 2007 | www.businessreportdaily.com The Northern Colorado Business Report | 5 Lakeview project gets back on Loveland’s table

Developer hopes Lakeview’s revisions will neighborhoods, satisfy planners amenities

Almost exactly two and a half years ago, I Summer Pond Homes: 155 single-family-home this column took up the topic of Denver lots, averaging 10,000 square feet and arranged developer David Summers and his extraor- in three “pods.” dinary residential I Emerald Park Homes: 27 lots ranging in size development project from 8,000 to 10,000 square feet, ringing an oval on the eastern shore park adjacent to the Lakeview community center. of Boyd Lake in I Lake Estate Homes: 54 estate lots, some with Loveland. waterfront, from 18,000 to 28,000 square feet. Extraordinary? I Lakeview Community Center: A 25,000-square- How so? foot building with meeting rooms and other facil- Everyone’s heard ities for community use, with adjacent pool, ten- the adage about how nis courts and sports areas. smart it is to invest in real estate because they’re not making REAL ESTATE any more of it. Well, Tom Hacker plan approved by Loveland officials. Just as Summers sort of a municipal court judge was about to set a Tom Hacker, Northern Colorado Business Report trial date in the matter officials dropped all knocked that notion RANGE VIEWS — David Summers stands on new Boyd Lake shoreline at the western point of his Lakeview devel- over with a multi-million-dollar engineer- charges, waving them off because of what opment, where estate lots will offer sweeping views of the Front Range including Longs Peak and Mt. Meeker. ing project to dredge silt out of Boyd Lake, they called “a series of misunderstandings.” move it shoreward and build a peninsula Summers said he is hoping the soap that now accommodates some of the most opera is drawing to a close. Points of view “We first moved the homes away from desirable lakefront estate lots in all of “We’d like to have some smooth sailing Longtime homeowners on Boyd Lake’s their property, toward the water,” Summers Northern Colorado. after all this,” he said. “I think we’re at that eastern shore, especially those whose prop- said. “That helped preserve their views.” But Summers’ Lakeview project has not point.” erties back up to the southern edge of the But it wasn’t the answer. A previous been without substantial cost, frustrating If the acronym NIMBY — for “not in 156-acre Lakeview development, weighed Lakeview plan was designed to accommo- delays and sometimes-bizarre controversy my back yard” — had not been coined in early with their opposition to the plan. date multi-family housing, a feature that — including an episode in early 2006 long before the Lakeview saga, it likely Their main concern was for their sweeping the neighbors in the adjacent Boyd Lake wherein Summers faced 126 criminal would have emerged during the planning views of the Front Range, a feature that North neighborhood flatly rejected. charges for allegedly violating a grading stages of Summers’ project. brought them to Boyd in the first place. As community opposition mounted, See REAL ESTATE, 6 6 | The Northern Colorado Business Report www.ncbr.com | Oct. 12-25, 2007

REAL ESTATE, from 5

Summers and his Lakeview Development Corp. partners opened up a dialog with neighbors on all sides of the development. “We had a series of neighborhood NEIGBORHOOD TRIO — The meetings, and said, ‘OK, what can we do?’” site plan for Lakeview, a pro- Summers said. “What would work? What posed subdivision on the would you accept?” eastern shore of Boyd Lake in Throughout the process, landscape Loveland, features three dis- architect Linda Ripley, who heads the VF tinct neighborhoods, parks, Ripley Associates arm of Vaught-Frye natural areas and a 25,000- Architects in Fort Collins, made repeated square-foot community cen- trips back to the drawing board, coming ter with adjacent swimming up with successive iterations of the Lake- pool, tennis and basketball view plan. courts. Eventually, Summers felt he had a recipe the neighbors could live with. As he prepared his resubmission to the Loveland Courtesy VF Ripley Associates Inc. Planning Department, he also lined up N support from neighbors, some of whom were stalwart opponents. Mark Malone, whose home is in the nearby Village at Boyd Lake development, needed to do to make this thing something ‘Marina Doce’ model “I think this project will really enhance issued a prepared public statement for we can live with.” As part of the Water Valley South por- Northern Colorado’s economic viability,” Summers’ use. A recent walk along portions of the dry- tion of the hugely successful Water Valley he said. ing lakebed, with the water level near its community in Windsor, developer Martin Other neighborhoods that round out ‘Positive effect’ lowest point for the year, offers a clue as to Lind opened a 12-lot waterfront neighbor- the 226 single-family lots at Lakeview “Lakeview’s efforts throughout the what Summers had to do to bring Lake- hood, Marina Doce, where lots sell for include the 155-lot Summer Pond Homes, process really impressed me,” he said. view into existence. prices near $1 million. where three “pods” with interior play- “Based on their openness to neighbors’ A new shoreline, more than 1,000 feet Summers said he is familiar with the grounds link seamlessly to a central park, ideas and the care they have taken in site long and reinforced with rock facing, property, has visited it and sees it as a and Emerald Park Homes, fronting Boyd improvement projects, I believe Lakeview marks the western edge of the Lake Estate model. Lake Avenue with 27 lots. will be a welcomed addition to the Love- Homes neighborhood, one of three dis- “He (Lind) has been an inspiration to Where Loveland codes prescribe that 20 land community and will also have a posi- tinct communities within Lakeview offer- me,” Summers said. “I see what he’s done percent of new subdivisions be devoted to tive effect on surrounding property val- ing 54 estate lots, 18 of them with water- to help the economic development of the open space, Lakeview boasts 30 percent, ues.” front and private boat docks. region, and it’s what we would like to do including a feature called the South Penin- A couple of nearby residents contacted Summers won’t talk about pricing of with this.” sula Natural Area, a 15-acre preserve that is by the Business Report were also supportive the Lakeview lots yet — “Let’s get through Right. Economic development. Sum- emblematic of Summers’ efforts to please of the new plan, but anonymously so. the process, first,” he said — but given the mers said that the availability of waterfront the neighbors, and the planners. “I really don’t need to have my neigh- prices commanded by waterfront proper- estate lots with mountain views will con- “I really believe that we’ve got the sup- bors asking me about this,” one woman ties in other locations in the region, we’re tribute to luring corporate relocations to port we need for this,” Summers said. “I’m said. “But I think we’ve done what we betting on the highest end. Northern Colorado. very optimistic.”

Oct. 12-25, 2007 | www.businessreportdaily.com The Northern Colorado Business Report | 7 New law will increase workers’ comp options Injured workers to “It took three years and it was a complete added. “We hope there isn’t any fragmenta- rewrite every year,” said Carroll, who’s also “Now there’s a little tion of health care or abuse of the system.” an attorney. “The majority of states allow for Carroll said she’s represented many have choice of two injured workers to choose or change their people with workers’ comp care com- doctor. Colorado was one of a few states not bit of accountability in plaints and predicts the new law will help treatment providers to have a free-market approach.” reduce those kinds of cases. the system…” “It should mean a decrease in litigation A new law going into effect next Janu- Busting a ‘monopoly’ and an increase in ownership of health ary will give injured workers in Colorado Car roll said passage of the bill marked Colorado Rep. Morgan Carroll care because (injured workers) have a — for the first time — an opportunity to the breaking of a “40-year monopoly” in choice now,” she said, adding that getting choose the doctor and/or occupational which Colorado employers could choose to to choose a treatment provider “gets a medicine clinic they will use to help them send injured workers to just one provider. Denzel said she supports free choice. patient more invested in their own care.” get back to work. Carroll said the existing workers’ comp “Any type of choice is good,” she said. “If Carroll said the bill is still only a small The law, House system lets the insurance provider choose you tell someone they have to go here or step toward patient choice. She noted that Bill 1176, says an the treatment provider, and if that there, it’s just not good health care.” employers still have the right to approve employer must pro- provider wants to stay on the preferred Steve Pottenger, CEO of Workwell the list of providers their employees may vide a list of “at least provider list, its primary focus will be on Occupational Medicine, said his company see to get workers’ comp care. two” doctors or cor- saving the insurance company money. was neutral on the bill as it made its way “They still have a ton of control but porate medical “The conflict of interest comes up when through the Legislature. “It’s got some pos- now a teensy bit of free-market forces can providers from which the person who decides who gets the itives and some negatives,” he said. “We come into play with some choice,” she said. injured workers can business or not isn’t the patient,” she said. really didn’t feel the workers’ comp system “Now there’s a little bit of accountability in choose to treat their That sometimes led to situations where was a broken system. We didn’t hear any of the system, when before, pleasing the work-related injury. HEALTH CARE the treatment provider did little to please our clients being dissatisfied with it.” patient wasn’t part of the equation.” Under current law, an Steve Porter the patient. But Pottenger said the bill could help Pottenger said while the new law has employer can and “They had no reason to have a bedside make all occupational medicine providers “certainly thrown a new consideration into often does direct the manner,” she said. “The one master they try harder. “It rewards those who can get the mix,” he’s hopeful that it will help injured employee to a particular doctor or had was the insurance company under the people back to work quicker,” he said. make the injured employee more of a play- clinic for care covered by workers’ com- old system.” er when it comes to getting back to work pensation insurance. Some employers have Reaction to the new law in the local Less employer control as soon as possible. been criticized for partnering with occupational medicine community has Pottenger said he thinks the new law “Providers and employers really work providers who cut corners or try to mini- been mixed but mostly acquiescent. Amber will have the biggest impact on employers. together to get people back to work, and mize care. Denzel, who co-owns Loveland Urgent “They’ve been able to maintain control the employee is part of that team as well,” Rep. Morgan Carroll, D-Aurora, tried Care and Greeley Quick Care, said her and oversight with one provider and get a he said. for three years to get a version of the Sec- company has never had contracts with the good rapport going with them,” he said. ond Provider Bill through the Legislature employers it serves. “They kind of lose that control of referring Steve Porter covers health-care issues for and finally mustered the votes — and the “One of the things we don’t ever require is (workers) to people they know will do a The Northern Colorado Business Report. backing from most concerned — to get it contracts,”she said. “For those with contracts, great job for them. He can be reached at [email protected] or at passed in the 2007 session. 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Snapshots of life outside THE EDGE the office Page 13

COLUMNS Develop your business on the web

Right designer can What to look for in a Web designer make Web presence I Ask business colleagues, relatives or friends for referrals. search-engine optimization, so clients will find your site Geek news work for companies I When interviewing potential companies, take a look at when doing general searches. What you should their portfolio. Find out if their style is compatible with your I Ask what browsers the site will work on. If the company know about Pay Per taste. builds exclusively for Internet Explorer, that's a red flag, Click Web marketing By Jessica Centers I Beyond appearance, make sure the company's sites work. because your site needs to work for potential customers Page 15 [email protected] Check the links, look at how simple the sites are to navigate, using Firefox and Safari, too. and check for errors. I Most companies offer free consultations before pro- To today’s tech-savvy consumers, your I Ask designers what they can do to help your viding a quote. Make sure the quote is thor- business is your Web site. It’s where you make chances of ranking well on search engines ough, listing all pages that need to be your first — and sometimes only — impression such as Yahoo and Google. They should developed, the tasks involved and if you sell your products online. And if you have at least have a basic knowledge of itemized costs. one with misspellings and slow, broken links, you may not be in business for long. Adventures in Thus, choosing the right company to develop management or redevelop your site may be one of the most Decide your company important decisions you’ll ever make for your culture before hiring business. Local Web design companies realize that new employee that, and they have lots of advice to offer prospec- Page 16 tive clients on finding the right, reputable fit. Ben Wright, principal of ccintellect LLC in Denver, which recently created Web sites for eco- nomic development groups in both Larimer and ETC. Weld counties, divides his advice into two equal- ly important categories: how a business should Briefcase prepare before seeking a Web developer and how Regional to evaluate companies under consideration. business SOURCE: RED KITE CREATIVE, FORT COLLINS developments See WEB, 29 Page 10 On The Job People in the news, on the move The 15 percent solution for entrepreneurs Page 11

Calendar Early on, I made a pledge to readers that I would never give a Events, seminars Any list of characteristics list of bromides about the nature of the entrepreneur. I just and dates to look don’t believe it is possible to describe and define an entrepre- forward to Page 12 doomed to miss the point neur by a catalog of characteristics. Apparently, not everyone agrees with me, as evidenced by a recent newspaper story about Stockwatch I had breakfast at the Silver Grill a few days ago with a fellow young entrepreneurs. Sales, earnings entrepreneur and devoted reader of this column. He was inter- Now, before I tee off on this article, I want to stipulate that I for region’s ested in my thoughts about selling his company and, of course, love it when the youth of America get involved in entrepreneur- public firms I was more than willing to give him my advice. ship. I feel fortunate to be able to talk about this subject with Page 14 At the end of the conversation, he told me that he really students. I emphasize “talk about” the subject because I do not GETTING enjoyed the columns primarily because I was writing from the believe that this topic can be taught — only about 15 percent of Daily in Review STARTED perspective of the soul of an entrepreneur. As a genetic entre- the American population have the ability to “pull it off” as an A look back at preneur myself and as a professor of the topic, I have tried to entrepreneur. top news stories Brooks Mitchell Yet this article reports that 65 percent of high school stu- Page 17 share insight that is uncommon to most readers but is glaringly self-evident to real entrepreneurs. See MITCHELL, 18

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10 | The Northern Colorado Business Report www.ncbr.com | Oct. 12-25, 2007 BRIEFCASE

NEW PRODUCTS AND SERVICES DEALS packaging and fulfillment company, the company moved into the customer care industry as StarTek. The Big Leaf LLC in Fort Collins has launched a new Web An all-store Home Depot promotion has started for company now has more than 8,000 employees and 19 NONPROFIT NOTES site, Nanotechnology Product News. The site provides the EZ Grabbit Premium Tarp Holder from Grabbit Tool operational facilities providing business process out- news about nanotechnology products and related devel- Co. Four EZ Grabbits have been packed with a tarp under sourcing and optimization by handling over 50 million The Northern Colorado Active 20-30 Vines opments, along with free listings in the business directory Home Depot’s Workforce brand in a free-standing floor calls annually. for any business or organization involved with nanotech- display. Grabbit Tool Co. is headquartered in Longmont and Wines Suitcase Party held in September at the MISCELLANEOUS Fort Collins-Loveland Airport raised over nology. A government page on the site lists research with a sales office in Fort Collins. efforts being undertaken by government agencies around $80,000 to benefit the Boys & Girls Clubs of Odell Brewing Co. of Fort Collins has rolled out its the world, and will be tracking regulatory activity. Bank of Choice has formed a partnership with Den- Larimer County and Partners Mentoring Youth. winter seasonal Isolation Ale. The ale has marked the ver-based ID Watchdog to provide protection and reso- The evening included a red carpet arrival, drinks, transition into winter since 1999. heavy appetizers, live entertainment and a raffle Minnesota-based UnitedHealth Group Inc. has lution services for identity theft to its customers. The formed UnitedHealthcare Specialty Benefits to unite service, called ChoiceSecure, will provide full-service and auction for a two-day trip for two to Napa Val- All advisors for Flood & Peterson Insurance Inc. affiliated benefit companies under one brand. In addi- identity theft resolution assistance free of charge to ley, Calif. The more than 400 attendees were in Greeley have earned the Consumer Driven Healthcare tion to dental products, UnitedHealthcare now offers any personal checking account depositor. Bank of packed in advance should they win the trip to Napa Certification from the National Association of Health vision, life, disability and stop loss among other prod- Choice will also offer a fee-based monthly service to Valley with the flight departing that evening. Underwriters. Certification means advisors have tech- ucts and services. Visit www.uhcspecialtybenefits.com provide real-time identity theft monitoring. nical knowledge of consumer-driven health insurance for more information. Boulder-based Camp Bow Wow has launched programs, health savings accounts and health reim- Developer of alternative energy technologies UQM the nonprofit arm of its dog day care franchise, The bursement accounts. To receive certification the Flood & The Academy of Natural Therapy in Greeley is Technologies Inc. in Frederick has received a Bow Wow Buddies Foundation Inc., to help Peterson team completed a review of consumer-direct- now offering free yoga every Friday at noon. Light med- $100,000 contract from the U.S. Navy under the Small improve the lives of dogs around the world. The ed health-care plans, consumer eligibility, technical ele- itative yoga sessions are open to the public. Call 970- Business Innovation Research program to develop an Buddies, in partnership with Morris Animal Foun- ments and enrollment issues. dation, has committed to contributing $50,000 352-1181 for more information. advanced electric motor. The project is focused on developing high torque, variable speed motors for annually to the Animal Cancer Center at Col- The Board of Directors for Woodward Governor Co. NEW LOCATION propulsion and power generation for the Navy’s vehi- orado State University to promote research into in Fort Collins authorized a new stock repurchase pro- cles and fleets. curing canine cancer. Northern Colorado Long Term Acute Hospital in gram of $200 million. Under the repurchase authoriza- Johnstown has opened its 20-bed hospital to care for med- tion, shares may be purchased periodically both in open Kruger & Clary CPAs in Fort Collins has acquired ically complex or chronic patients with acute care needs. market and private transaction through the period end- CPA firm Krutchen and Co., also of Fort Collins. John ing October 2010. Krutchen, former owner of Krutchen and Co., accepted Corporate training and development firm Pkea the position of CFO for Atlas Coeur d’Alene Fiber Solutions USA in Fort Collins launched an office in Fuels Inc. in Idaho. Kruger & Clary focuses on tax-relat- Greenwood, S.C., on Oct. 1. Peak Solutions provides man- If you have an item to share about name ed services including tax preparation, planning and agement and development and organizational effective- changes, new products or business news of KUDOS accounting. Krutchen specializes in both individual and ness consulting services to Fortune 500 clients includ- note, e-mail it to Noah Guillaume at business income tax returns. For the ninth consecutive year, Colorado Boat Cen- ing JBS Swift & Co. and Hewlett-Packard Co., and [email protected], or mail it to Briefcase ter in Loveland has been named Top Volume Dealer by locally owned businesses including Yancey’s, The ANNIVERSARIES at NCBR, 141 S. College Ave., Fort Collins, Glastron Boats . The award for the 2007 model year Group Real Estate and CTL|Thompson. Greenwood CO 80524. was presented to the family-owned business at Glas- was selected for its emerging growth market and grow- StarTek Inc. recently celebrated its 20th anniver- tron’s 2008 dealer conference in Florida in August. ing business segments. sary. Formed in Greeley in 1987 as StarPak, a product -Compiled by Noah Guillaume

Warehouse/6MÄJL Building for Sale/Lease a great place [VZ[HY[`V\YZLHYJO 3201 Mulberry #G & H2, Fort Collins 1450 Westwood, Windsor Sale $650,000. Lease $8.25/sf NNN Sale $1,060,000. Lease $12/sf NNN Larry Hawe 970.377.4962 Bill Reilly 970.377.4924

Class A Retail/ for Sale Investment Ind. Bldg. Retail/Ind./Flex 6MÄJL:WHJL Showroom 6WWVY[\UP[` for Sale/Lease

2020 Caribou Drive #102, Fort Collins 53PUJVSU3V]LSHUK 3701 S. Mason, Fort Collins 1773 30th St, Unit 1-4, Greeley 115 HWY 85, Ault $495,000/$16.50/sf NNN $2,850,000 $1,195,000 $335,600 Sale $198,000. Lease $3/sf NNN Craig Hau 970.377.4919 Cole Herk 970.377.4951 Jared Goodman 970.377.4964 Robert Hau 970.377.4947 Randy Marshall 970.229.2500

Investment Showroom / 6MÄJL:WHJLfor Lease 6MÄJL*VUKV 6WWVY[\UP[` for Sale/Lease Warehouse For Sale

201 SW 12th St, Loveland 6268 W 10th St B2 & B3, Greeley 2601 Lemay #34, Fort Collins 2990 W. 29th, Unit A-1, Greeley $850,000 $269,800 $15.25/sf NNN Sale $217,175. Lease $10/sf NNN John Peden 970.679.1574 Chuck Rehmer 970.539.4313 Geoff Tolmachoff 970.227.8675 Julius Tabert 970.679.1599 • Sales and Leasing Brokerage • Feasibility Analysis • Investment and Multi-Family for Sale 6MÄJL*VUKV for Sale 0UK\Z[YPHS6MÄJL 6MÄJL>HYLOV\ZL Property Brokerage • Land Acquisition, Site Analysis, Site Selection • Business Opportunities Marketing, 233 N. 287, Loveland 439 N. Denver, Loveland 4103 Boardwalk #202, Fort Collins Acquisition $7.95/sf NNN $109,900 $308,540 • :L]LU6MÄJLZPU5VY[OLYU*VSVYHKV Travis Ackerman 970.229.2516 Chris Hau 970.377.4920 Mike Eyer 970.391.4773 800.266.9820

Oct. 12-25, 2007 | www.businessreportdaily.com The Northern Colorado Business Report | 11

ON THE JOB Dress up your home or business for the holidays!

FINANCE HEALTH CARE

Norbel Credit Union in Loveland has hired Mary Modern Healthcare maga- May as a financial services representative to work at its zine named Kevin Unger, Loveland Service Center. Norbel is a full-service finan- Poudre Valley Hospital’s presi- cial institution with services including individual sav- dent and CEO, as one of the ings and checking accounts, consumer and home loans, nation’s best health-care lead- business loans and business checking. ers under the age of 40. In its Sept. 17 issue, the magazine Kruger & Clary CPAs in Fort Collins has hired Laurie selected Unger and 11 other UNGER Chronopoulos as a staff accountant who will specialize executives around the nation as in both individual and business income tax returns. the “up and comers” in the health-care industry. Chronopoulos has passed three of four parts of the CPA REAL ESTATE exam and is set to take the final part in November. TM Call Swingle at 970.221.1287 for a FREE in-home design consultation Connie Killian , broker asso- BY SWINGLE Greg Harrell has joined Event & Holiday Decor Lighting ciate at Re/Max Alliance in Love- or visit www.myswingle.com to request an estimate. Copyright 2007 Swingle, Inc. All rights reserved. Adams Bank & Trust at the Fort land, has earned her GRI from the Collins office as a commercial Graduate Realtor Institute. Killian banker. Harrell comes with over six has been a full-time real estate years in commercial banking and agent for over two years and spe- has experience in a variety of com- cializes in residential sales. Experience the Everitt Difference... mercial products and SBA lending. KILLIAN TECHNOLOGY Denver-based United West- HARRELL ern Bank has appointed Thomas UQM Technologies in Frederick has appointed Jon J. Kientz to the newly created position of executive Lutz to the newly created position of vice president of vice president of retail banking and operations. Kientz technology with responsibility for the company’s engi- will oversee the bank’s daily operations and develop neering and research and development activities. The new loan and deposit products. company also promoted Ronald Burton to the position of senior vice president of operations. UQM is a develop- ACADEMICS er and manufacturer of power-dense, high-efficiency electric motors, generators and power electronic con- Maria Lerma, a student at the Institute of Business trollers for the automotive, aerospace, medical, military and Medical Careers, has been and industrial markets. selected to receive the 2007 Col- orado Private School Associa- LAW Bank of Colorado Plaza at 2534 tion’s Meritorious Recognition 4848 Thompson Parkway, Johnstown Award in the category of Christine Hutchinson has Business/Management. Stu- joined the Northern Regional 3,000 - 9,500 SF Class A+ third floor Office Space dents are entered based on office of Mountain States Sale: $210/SF (C&S) Lease: $20-$22/SF NNN achievement by their respective Employers Council as an employ- school and selected from there. ment law services attorney. IBMC has hired Jenna Liv- Hutchinson received her bache- HUTCHINSON 2120 Milestone Drive, Fort Collins ingston as its human resources LIVINGSTON lor’s degree from Colorado State 10,009 SF Professional Office Building coordinator serving the Fort University and her law degree from the University of Sale: $2,300,750 Collins and Cheyenne campuses. Colorado Law School. She worked for Liggett, Smith & Lease: $18-$22/SF NNN Livingston will be conduct new Wilson PC in Fort Collins prior to joining MSEC. employee orientations, assist with benefits administration and MISCELLANEOUS maintain employee files. 4803 Boardwalk Drive, Fort Collins The AARP Foundation and the Attorney General’s Office 1,510-8,852 SF Professional Office Space announced that Interim Director of AARP ElderWatch Amy The Northern Colorado Sale: $225-$240/SF Nofziger has agreed to accept the position on a full-time Alumni Association announced Lease: $17-$19/SF NNN basis. The AARP Foundation is responsible for preventing officers of its Board of Directors TERRAZES the financial exploitation of seniors in Colorado. for 2007-09. The officers include Art Terrazes, president; J.J. 1530 Riverside Avenue, Fort Collins LeeAnn Sterling, formerly Paolino, vice president; and Building: 8,177 SF Lot size: 47,002 SF of Greeley and more recently of Sale: $899,470 Steve Baker, secretary-treasur- Port Angeles, Wash., has returned Lease: $10/SF NNN er. Theo Holland is immediate to Greeley in the role of director past president. of funding events for the Greeley Chamber of Commerce. In the Donna Souther, chief acad- newly created position Sterling Rick Callan or Pete Kelly Everitt Commercial Partners, LLC. emic dean for Aims Community takes responsibility for the cham- 970-226-1500 3030 S. College Ave. College in Greeley, has been ber’s Annual Banquet, Prairie Dog [email protected] Fort Collins CO 80525 selected as one of only 32 com- PAOLINO STERLING Classic Golf Tournament, and [email protected] www.everittcommercial.com munity college leaders to attend other events that generate rev- the Executive Leadership Insti- enue for the chamber’s programs tute sponsored by the League and services. for Innovation in the Community College. The Leadership Institute Harmony One Clarinetist Jonathan is an opportunity for potential 3003 E. Harmony Road, Fort Collins Jones has been named the top community college presidents 2,000 - 14,000 SF Class A+ Office Space winner of the Fort Collins Sym- or those in transition to review Lease: $20-$23/SF NNN phony’s 52nd annual Young their abilities and interests, to Artist Competition and winner refine their skills and to partici- BAKER of the $6,000 Adeline and Harry JONES Drake Professional Park pate in discussions on leader- Rosenberg Prize. Performing for 363 W. Drake Rd, Fort Collins ship. the symphony Jones played the “Concerto for Clarinet, 863 SF - 12,060 SF Office Condos INSURANCE opus 57” by Carl Nielsen. Sale: $115-$145/SF

Jim Sampson, a five-year employee-benefits pro- If you have an item to share about a promotion, 2310 E. Prospect Road, Fort Collins fessional with Flood & Peterson Benefits, has earned job change or career news of note, e-mail Upper level*: 2,450 SF Golden Eagle recognition from the National Association it to Noah Guillaume at [email protected], $10/SF NNN, *3 months free rent of Healthcare Underwriters. The designation recognizes or mail it to On The Job at NCBR, 141 S. College individuals nationwide who are leading employee-bene- Ave., Fort Collins, CO 80524. fits producers. This is the second consecutive year Sampson has attained the level. -Compiled by Noah Guillaume 12 | The Northern Colorado Business Report www.ncbr.com | Oct. 12-25, 2007 CALENDAR

Oct. 15 — NoCoNet presents “Tax Strategies, ROTH IRAs heart of Loveland. Cost: $5/members, $10/non-mem- weiser Events Center, 5300 S.E. Frontage Road in tration Deadline: RSVP by Oct. 26. Contact: Articulate and Health Insurance,” from 8 to 10:30 a.m., Faith bers. Contact: Stephanie Stauder at Loveland. Take a walk back through time. Exhibitor City at 970-219-8883 or [email protected]. Evangelical Free Church, 3920 S. Shields in Fort [email protected]. booths available. Contact: Boomer Expo at 970-392- Oct9 . 2 — NoCoNet presents “Networking Your Way to a Collins. Dave Colliton and Chris Davies will present. Oct. 18 — The Northern Colorado PCC and the U.S. Postal 5626. New Job,” from 8 a.m. to 10:30 a.m., Faith Evangeli- NoCoNet is a networking, skill-building group for pro- Service presents Fall Mailer’s Forum & Trade Show, 2Oct. 2 — NoCoNet presents “Finding Your Market cal Free Church, 3920 S. Shields in Fort Collins. Rita fessionals looking to find new opportunities with top from 7 a.m. to 2 p.m., Hilton Fort Collins, 425 W. Strengths,” from 8 to 10:30 a.m., Faith Evangelical Henning will present. NoCoNet is a networking and local companies. New members are always welcome. Prospect in Fort Collins. The sessions will cover: Mail Free Church, 3920 S. Shields in Fort Collins. Joyce skill-building group for professionals looking to find Contact: NoCoNet at [email protected]. 101, changes to periodicals, mail center security and Caufman will present. NoCoNet is a networking, skill- new opportunities with top local companies. The Oct. 16 — BNI Colorado Regular Lunch Meeting, starting designing for the flats sequencing system – coming building group for professionals looking to find new group meets weekly. Cost: Free. Contact: NoCoNet at at 11 a.m., The Egg & I, 2305 W. 27th St. in Greeley. The in 2008. Registration includes lunch. Cost: opportunities with top local companies. New mem- [email protected]. group meets every Tuesday at 11 a.m. Another group $60/NCPCC members, $75/non-members. bers are always welcome. Contact: NoCoNet at Oct1 . 3 — Top 10 Employment Issues, from 8:30 a.m. to regularly meets Thursdays at 8:00 a.m. for breakfast Oct. 19 — Business Planning for Success, from 8:30 a.m. [email protected]. noon, Key Bank Tower, 125 S. Howes St., Suite 150 in at the same location. to noon, Loveland Chamber of Commerce, 5400 Oct. 23 — Owning a Franchise, is it for You?, from 3 to 5 Fort Collins. Presenter Dan Muffly, Attorney Myatt Oct. 16 — Komedy with Kellen, from 7 to 9 p.m., Lincoln Stone Creek Circle in Loveland. Participants will p.m., Key Bank Tower, 125 S. Howes St., Suite 150 in Brandes & Gast. Learn more about these ten Center, 417 Magnolia St. in Fort Collins. Komedy with learn the basics of developing a comprehensive Fort Collins. Guest presenter is Jim Mills, from The employment issues: overtime, hiring, firing, refer- Kellen is a Komedy night at the Lincoln Center and business plan for their business start-up, expansion Franchise Center. If you want to own your own ences, wage claims, independent contractors, com- will be headlining Bryan Kellen, a comedian that is or financing. They will also receive information business, don’t know where to look, don’t know your mission disputes, covenants not to compete, avoid- the regular opening act for George Lopez. Cost: $15 about how to access small business assistance from options, don’t know the costs, this seminar will help ing unemployment, and wage claims. Cost: $40 if child/senior, $18 adults. Contact: Anne Foster at 970- the SBDC and other state and local resources. Cost: you find the answers. Cost: $20.00. Contact: SBDC at pre-paid, $45 the day of the event. Contact: SBDC at 217-1716 or [email protected]. $40 if pre-paid, $45 the day of the event. Contact: 970-498-9295 or [email protected]. 970-498-9295 or [email protected]. Oct. 17 — Northern Colorado Real Estate Conference, 970-667-4106. Oct. 23 — Greeley Business Women’s Network October Nov. 1 — Loveland Chamber of Commerce Business After from 7 a.m. to 5:15 p.m., Fort Collins Hilton, 425 W. Oct. 19 — Knowledge Bites “Explore the Marketing Luncheon, from 11:45 a.m. to 1:15 p.m., Greeley Ice Hours, starting at 5:30 p.m., McKee Medical Center, Prospect Road in Fort Collins. Join the leaders in Trends of the Future,” from 11:30 a.m. to 1 p.m., Fort Haus, 900 Eighth Ave. in Greeley. Each attendee will 2000 Boise Ave. in Loveland. Cost: $12 if pre-regis- real estate for a day of valuable education and net- Collins Area Chamber of Commerce, 225 S. Meldrum be asked to bring a trick or treat to share with mem- tered, $15 at the door. Contact: LCC at 970-667-6311. working. Contact: Anne Spry at 970-491-5522 or St. in Fort Collins. Knowledge Bites is a Lunch n’ bers such as a favorite recipe, must-read book, pro- Nov. 2 — Knowledge Bites “The Two Parts of Advertis- [email protected]. Learn series hosted by the Chamber featuring top- motional item or discount coupon. Cost: $11/mem- ing,” from 11:30 a.m. to 1 p.m., Fort Collins Area Cham- Oct. 17 — Edward Jones presents “Ethics for Tax Profes- ics and presenters that are essential to your bers, $15/non-members. Contact: GBWN at 970-613- ber of Commerce, 225 S. Meldrum St. in Fort Collins. sionals,” from noon to 2 p.m., Edward Jones, 172 N. business’ success that come complete with a pro- 4160 or [email protected]. Knowledge Bites is a Lunch n’ Learn series hosted by College Ave., Suite B in Fort Collins. Topics covered vided lunch. Cost: $20/members, $25/non-members. Oct. 25 — Fort Collins Area Chamber of Commerce the Chamber featuring topics and presenters that during the session: Recent changes to the tax return Contact: Erin Collins at 970-482-3751, ext. 104 or Business After Hours, from 5:30 to 7:30 p.m., Builders are essential to your business’ success that come preparer penalties, circular 230 rules most applica- [email protected]. Appliance Center, 3701 S. Mason St. in Fort Collins. complete with a provided lunch. Cost: $20/members, ble to tax and legal practitioners, impact of the Oct. 19 — Rocky Mountain Raptor Program’s 20th Bird Cost: $12.50/members; $20 at the door. Contact: Erin $25/non-members. Contact: Erin Collins at 970-482- AICPA’s Statements on Standards for Tax Services on Day Bash, starting at 6:30 p.m., Lincoln Center, 417 W. Collins at 970-482-3746 or [email protected]. 3751 ext. 104 or [email protected]. CPAs. The course is approved for two credit hours. Magnolia St. in Fort Collins. The bash will feature Oct. 25 — Right Start I - Business Registration & Entity, Nov. 4 - 7 — Red Herring ATRE - Mumbai, India 2007, from Reservation required. Cost: $40. Contact: Laura Animal Planet veterinarian and comedian Dr. Kevin from 7 to 9 a.m., Key Bank Tower, 125 S. Howes St., 5 p.m., The Taj Mahal Palace & Tower, Apollo Bunder Arbury at 970-484-2280. Fitzgerald. Party games will include guess the rap- Suite 150 in Fort Collins. This workshop covers start- in Mumbai, India. ATRE, a global technology summit, Oct. 17 — Fort Collins Area Chamber of Commerce Speed tor’s weight, pin the tail on the hawk, raptor trainer up basics: business registration and forms (with offers a rare and exclusive cross-sectional view into Networking, from 7:30 to 9 a.m., Fort Collins Area for a day, photo and caricature with a raptor, and demo); business entity-type selection; and other the best and brightest technology companies in Asia. Chamber of Commerce, 225 S. Meldrum St. in Fort more. Cost: $35. Contact: 970-484-7756. timely tips every prospective entrepreneur needs More than 300 leaders from 35 countries will gather Collins. Cost: $10/members, $20/non-members. Con- 0Oct. 2 — Neighbor to Neighbor presents Home Buyer before starting a new business venture. Guest pre- at ATRE07. Over the past two years, Asia has emerged tact: Kimberly Kruse at 970-482-3751, ext. 104 or Education Course, from 8:30 a.m. to 4:30 p.m., Har- senter is Geoffrey Goudy. Cost: $20. Contact: SBDC at as the new world epicenter for technological and [email protected]. mony Library, 4616 S. Shields St. in Fort Collins. The 970-498-9295 or [email protected]. communications innovation. This year’s event will Oct. 18 — The Association for Operations Management certified home buyer education courses provide Oct. 25 — Greeley Chamber of Commerce Business offer an actionable look into how this happened. Colorado Chapter Meeting, from 5:30 to 9 p.m., advice for home buyers before they purchase a After Hours, from 5 to 7 p.m., Garnsey and Wheeler ATRE07 will explore the stories, weaknesses, and Renaissance Denver Hotel, 3801 Quebec in Denver. home. Buyers with certification can access local Ford, 4901 W. 29 St. Cost: $10. Contact: GCC at 970- strategies of the hottest players. Cost: $48. Contact: The topic of the evening will be “Peters vs. Porter - down-payment assistance programs that provide 352-3566. Maggie Xiao at [email protected] or +1 650- The Debate that Should Have Been.” Gregg Macalu- thousands of dollars toward homeownership to Oct. 26 — QuickBooks Overview, from 9 a.m. to 1 p.m., 585-3419. so from CH2MHill will present. RSVP required. Con- qualified buyers. Cost: Free, $5 for materials. Con- City of Loveland Lab, 500 E. Third St. in Loveland. No v. 7 — Greeley Chamber of Commerce Business tact: Jackie Byrum at 303-421-0797, ext. 2. tact: N2N at 970-484-7498. Featured presenter is Sherry Sexton, CPA. This half- Before Hours, from 7:15 to 8:15 a.m., Summit View Oct. 18 — Employer’s Roundtable “Building Communi- Oct. 20 — Fifth Annual Chopper’s Art Show To Benefit day class will cover what QuickBooks can do for you. Medical Commons, 2001 70th Ave. in Greeley. Cost: ties, One Employer at a Time,” from 8 to 9:30 a.m., Denver Boys And Girls Club, Taking Place At The Cap- Other topics: Backing up your system, navigating Free. Contact: GCC at 970-352-3566. Lincoln Center Columbine Room, 417 W. Magnolia St. sule In Denver, Saturday October 20th , from 1 to 11 through program, brief overview of setting up a Nov. 7 — Fort Collins Area Chamber of Commerce in Fort Collins. Tim Harrington of the Ability Center p.m., Capsule Art and Event Center, 560 Santa Fe sample company. This Class is perfect for the per- Business Before Hours, from 7:30 to 9:30 a.m., Canyon of Greater Toledo will present. Employers’ roundta- Drive in Denver. The Chopper’s Art Show will focus son who has never used the program or is within Concert Ballet, 1031 Conifer St., # 3 in Fort Collins. Cost: bles are presented by the Larimer County Workforce on how tattoo design, rock-n-roll art, hot rods and their first year of use. Cost: $40 if pre-paid, $45 the $7.50/members, $10 at the door. Contact: Erin Collins Center and the Larimer County Enterprise Zone. motorcycle lifestyle art all influence each other. The day of the event. Contact: LCBD at 970-667-4106. at 970-482-3746 or [email protected]. Cost: Free. Contact: 970-498-6673 or employer- show will feature several artists, motorcycle Oct. 28 — Articulate City October Party, starting at 4 p.m., Nov. 8 — Indtroduction to Business Coaching, from 8 to [email protected]. builders, a reception party with Alan Forbes and Bas Bleu Theatre Co., 401 Pine St. in Fort Collins. Mem- 10 a.m., Armstrong Hotel, 259 S. College Ave. in Fort Oct. 18 — Downtown Loveland Association Networking other guest artists, including a signing by Forbes at bers, guests and interested newcomers are invited to Collins. Learn how local businesses are growing Party, from 5:30 to 7 p.m., Sage Moon Originals, 116 8:30 p.m., and more! Cost: Suggested donation to share their talents with the group or safely sit back their profits through coaching from ActionCOACH’s W. Fourth St. in Loveland. The Downtown Loveland the exhibit is $10. Contact: Nik at 303-762-0659 or and watch the spectacle. A portion of the evening’s Donna Beaman. Cost: FREE. Contact: Donna Beaman Association is a nonprofit community association [email protected]. proceeds will be donated to the Bas Bleu Theatre Co. at 970-232-3069. made up of volunteers committed to revitalizing the Oct. 20 — The Boomer Expo, from 10 a.m. to 5 p.m., Bud- Cost: $25 with RSVP, $30 the day of the event. Regis- — Compiled by Noah Guillaume

1998-2007

Wednesday, November 7, 2007 Go online to www.ncbr.com to register. Ticket includes one-year subscription to NCBR, First National Bank Exhibition Hall new subscribers only, 800.440.3506. at The Ranch • Loveland, Colorado Oct. 12-25, 2007 | www.businessreportdaily.com The Northern Colorado Business Report | 13 TIME OUT

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OUT & ABOUT — 1. EK S&H Einsteins team members Julie and Chris Otto, left, and Judy and Kermit Allard, enjoy a little networking prior to the Discovery Science Center’s Brainiac Bowl event on Sept. 29. EKS&H went on to win the costume contest, while the team from The Corcoran Co. won the coveted glowing brain trophy for their knowledge of wide-ranging trivia. 2. Centennial Bank of the West employees Chris McVay, left, Gregory Fuhrman, Wes Sargent and Tom Kula, right, gather at the Colorado State University Regional Economic Summit and Forecast on Oct. 4 in Fort Collins. 3. Jim Strovas, regional president of Adams Bank and Trust, and his wife Julie, welcome Adams Bank and Trust CEO Todd Adams, right, to the bank’s newly opened branch in south Fort Collins at a ribbon cutting on Sept. 27. 4. Loveland Housing Authority Executive Director Samuel Betters celebrates the opening of Mirasol Senior Community along with Mirasol residents Mr. and Mrs. Stan Potter at the open house event on Sept. 14.

E-mail your event photos to Editor Tom Hacker, [email protected]. Include complete identification of individuals.

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NET PERCENT CLOSING CLOSING CHANGE CHANGE TOP GAINERS TICKER PRICE PRICE IN IN PERIOD PERIOD AVERAGE EXCH COMPANY SYMBOL 10/4/07 9/4/07 PERIOD PERIOD HIGH LOW VOLUME Company ticker Percent change in period Nas Advanced Energy Industries Inc. AEIS 16.68 16.26 0.42 2.58 17.31 14.59 493202 Whole Foods Market WFMI 14.79 NYS Advanced Micro Devices Inc. AMD 13.35 13.17 0.18 1.37 13.81 12.61 20850914 Noble Energy Inc. NBL 14.68 NYS Agilent Technologies Inc. A 37.20 36.46 0.74 2.03 37.26 36.03 1947378 Woodward Governor WGOV 10.71 Nas American Capital Strategies Ltd. ACAS 44.18 41.81 2.37 5.67 44.18 38.65 1923014 Owens-Illinois OI 10.54 NYS Anheuser Busch Cos. Inc. BUD 50.92 49.02 1.9 3.88 51.7 48.57 3524592 Veeco Instruments Inc. VECO 10.28 Nas Aristotle Corp. ARTL 13.18 12.18 1 8.21 14.36 11.25 9045 Precision Castparts Corp. PCP 10.2 NYS Atmos Energy Corp. ATO 29.00 28.16 0.84 2.98 29 27.42 410270 General Growth Properties Inc. GGP 9.75 NYS Automatic Data Processing ADP 47.39 46.02 1.37 2.98 47.39 44.35 2723222 Macerich Co. MAC 9.39 OTC BAE Systems Plc BAESY.PK 40.10 37.35 2.75 7.36 40.85 36.55 127835 Kroger Co. KR 8.86 NYS Barnes and Noble Inc. BKS 36.80 35.51 1.29 3.63 37.39 32.66 814013 Quebecor Inc. IQW 8.43 Nas Broadcom Corp. BRCM 36.60 35.44 1.16 3.27 37.17 34.55 7187032 NYS Burlington Northern Santa Fe BNI 81.99 82.90 -0.91 -1.1 83.16 79.44 3131923 NYS Capitol Bancorp Ltd. CBC 26.38 25.84 0.54 2.09 27.23 24.25 89204 Nas Centennial Bank Holdings Inc. CBHI 6.64 6.78 -0.14 -2.06 7.07 6.38 135148 NYS Centex Corp. CTX 28.31 29.12 -0.81 -2.78 29.14 25.44 4130062 BOTTOM LOSERS NYS Champion Enterprises Inc. CHB 12.18 12.03 0.15 1.25 12.18 10.42 1743114 NYS Clear Channel Communications CCU 36.99 37.35 -0.36 -0.96 37.72 36.76 6240178 Company ticker Percent change in period NYS ConAgra Inc. CAG 25.43 25.84 -0.41 -1.59 27.03 25.37 2882719 R egent Communications Inc. RGCI -2.57 NYS Danaher Corp. DHR 81.95 78.61 3.34 4.25 83.82 76.42 1258623 Centex Corp. CTX -2.78 NYS Dean Foods DF 26.28 27.23 -0.95 -3.49 27.23 24.3 2352049 Security with Advanced Technology Inc. SWAT -3.27 NYS Diversified Realty Corp. DDR 57.77 53.82 3.95 7.34 57.8 51.78 929175 Dean Foods DF -3.49 NYS Eastman Kodak Co. EK 27.25 27.93 -0.68 -2.43 28.11 26.66 2638670 Gannett Company Inc. GCI -4.54 NYS Frontier Oil Corp. FTO 42.63 42.54 0.09 0.21 47.18 40.28 2490739 Marriott International Inc. MAR -4.67 NYS Gannett Company Inc. GCI 45.23 47.38 -2.15 -4.54 47.86 43.7 1631776 Lowes Cos. LOW -7.19 NYS General Electric Co. GE 41.70 39.04 2.66 6.81 42.12 38.75 34215967 QLT Inc. QLTI -8.16 NYS General Growth Properties Inc. GGP 55.25 50.34 4.91 9.75 55.61 48.62 1916366 Universal Forest Products Inc. UFPI -18.97 Nas Heska Corp. HSKA 2.22 2.15 0.07 3.26 2.23 2.08 44491 Johnson Controls Inc. JCI -66.15 NYS Hewlett-Packard Co. HPQ 50.47 50.14 0.33 0.66 51.04 48.38 13583713 Nas Intel Corp. INTC 25.60 26.18 -0.58 -2.22 26.38 24.85 61194017 NYS Johnson Controls Inc. JCI 38.85 114.77 -75.92 -66.15 120.63 38.85 1109436 NYS JPMorgan Chase & Co. JPM 47.25 45.30 1.95 4.3 47.82 43.52 17581232 PUBLIC PROFILES NYS Key Corp. KEY 33.48 33.37 0.11 0.33 35.04 32.31 2270844 NYS Kroger Co. KR 28.76 26.42 2.34 8.86 29.09 25.45 4504161 NYS Lowes Cos. LOW 28.64 30.86 -2.22 -7.19 31.92 28.02 11106574 The following information profiles pub- the entertainment industry, profession- NYS LSI Logic Corp. LSI 7.36 7.06 0.3 4.25 7.46 6.72 11236175 NYS Macerich Co. MAC 89.85 82.14 7.71 9.39 90.8 79.59 573124 lic companies with operations in als, healthcare providers and other NYS Marriott International Inc. MAR 42.28 44.35 -2.07 -4.67 44.94 41.95 2283881 Northern Colorado: customers worldwide. NYS Marsh & McLennan Cos. Inc. MMC 26.33 26.83 -0.5 -1.86 26.83 24.6 3596875 Web: www.kodak.com NYS National Semiconductor Corp. NSM 26.82 26.83 -0.01 -0.04 27.54 25.43 4614032 NYS Noble Energy Inc. NBL 71.93 62.72 9.21 14.68 72.51 62.72 1175548 Advanced Energy :Oct. 4 close $27.25 NYS Novartis Group NVS 54.47 53.18 1.29 2.43 55.66 53.14 1325645 Industries Inc. 5 2-week high: $ 30.20 NYS Owens-Illinois OI 43.73 39.56 4.17 10.54 43.73 38.11 1238000 Ticker: AEIS (Nasdaq) 52-week low: $22.07 NYS Petro-Canada PCZ 54.82 52.61 2.21 4.2 58.09 51.96 641430 NYS Praxair Inc. PX 81.56 75.61 5.95 7.87 84.08 72.98 1538494 Colorado connection: Operates design Basic EPS: $1.40 NYS Precision Castparts Corp. PCP 146.27 132.73 13.54 10.2 149.84 127.46 1236035 facility in Fort Collins. P /E Ratio: 119.7 Nas QLT Inc. QLTI 5.40 5.88 -0.48 -8.16 5.94 5.4 1303258 NYS Quebecor Inc. IQW 9.65 8.90 0.75 8.43 9.86 8.77 88561 Headquarters: Fort Collins Institutional ownership: 112.5 percent NYS Qwest Communications Intl. Q 9.36 8.88 0.48 5.41 9.42 8.79 14763620 Business: Designs, manufactures, and 2006 sales: $13.2 billion Nas Regent Communications Inc. RGCI 2.65 2.72 -0.07 -2.57 2.74 2.49 60178 supports components and subsystems 2006 loss: $601 million NYS Ritchie Bros. Auctioneering Inc. RBA 69.70 65.54 4.16 6.35 70.04 63.48 76291 NYS RR Donnelley & Sons Co. RRD 37.03 35.92 1.11 3.09 37.18 34.35 954848 for industrial vacuum-based produc- NYS Safeway Inc. SWY 33.08 31.40 1.68 5.35 33.76 30.59 3191552 tion systems. Nas Security with Advanced Technology Inc. SWAT 3.85 3.978 -0.13 -3.27 3.978 3.43 9008 Web: www.advanced-energy.com JPMorgan Chase & Co. NYS StarTek Inc. SRT 10.39 10.15 0.24 2.36 10.45 10.01 58683 NYS Target Corp. TGT 65.19 64.24 0.95 1.48 66.18 60.45 7275516 Oct. 4 close: $16.68 Ticker: JPM Nas Telvent TLVT 25.50 24.47 1.03 4.21 26.22 23.94 24634 52-week high: $25.97 Northern Colorado connection: Oper- Nas UAP Holdings Corp. UAPH 31.27 29.96 1.31 4.37 32.21 28.21 443399 NYS Union Pacific Corp. UNP 112.36 112.55 -0.19 -0.17 114.83 105.92 2074458 52-week low: $13.42 ates Chase Bank branches in Larimer Nas Universal Forest Products Inc. UFPI 31.14 38.43 -7.29 -18.97 38.43 29.9 199491 Basic EPS: $1.79 and Weld counties. AME UQM Technologies Inc. UQM 3.70 3.59 0.11 3.06 3.78 3.5 56105 P/E Ratio: 9.58 Headquarters: New York NYS US Bancorp USB 33.50 32.25 1.25 3.88 33.98 31.33 7474378 Nas Veeco Instruments Inc. VECO 19.74 17.90 1.84 10.28 20.18 17.46 388871 Institutional ownership: 87.3 percent Business: Operates as a global finan- NYSWal-Mart Stores Inc. WMT 45.00 43.30 1.7 3.93 45.13 42.27 18564403 2006 sales: $410.7 million cial services company in the United NYS Waste Management Inc. WMI 38.24 37.84 0.4 1.06 38.91 36.88 1965395 2006 income: $88.3 million States NYS Wells Fargo & Co. WFC 37.27 36.59 0.68 1.86 37.3 35.14 15534750 Nas Whole Foods Market WFMI 51.08 44.50 6.58 14.79 51.08 42.65 1892135 Web: www.jpmorganchase.com Nas Woodward Governor WGOV 65.52 59.18 6.34 10.71 65.52 56.33 151768 Oct. 4 close: $47.25 NYS Xcel Energy Inc. XEL 21.92 20.78 1.14 5.49 22.05 20.53 2389230 Eastman Kodak Co. 52-week high: $53.25 Ticker: EK (NYSE) 52-week low: $42.16 Colorado connection: Operates Kodak Basic EPS: $4.73 Colorado Division in Windsor. P/E Ratio: 17.35 Headquarters: Rochester, NY Institutional ownership: 68.3 percent :Business De velops, manufactures and 2 006 sales: $99.8 billion markets traditional and digital imaging 2006 income: $14.4 billion products, services and solutions for

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Centerra. Welcome! www.mcwhinney.com Oct. 12-25, 2007 | www.businessreportdaily.com The Northern Colorado Business Report | 15 Approach PPC program with wary, watchful eye

because they were losing money, another if they didn’t read the e-mail closely — Web ads should dozen would jump in because they hadn’t which X didn’t — content ads would turn yet learned that they would lose money. on, and X would be — and was, in fact — maximize profits, Today the same game is being played “Beware the charged thousands of dollars they had out in the PPC field, as companies pay never agreed to spend. This, I was told by not click numbers ridiculous sums — $6 per click, one insur- PPC firm that an MSN adCenter support person, was an The more I use Pay Per Click search ance agent recently told me he was having “industry standard” procedure. engine marketing, and the more I talk to to pay — in an often vain attempt to wants to create businesses about their PPC campaigns, the squeeze business out of the Web. These Good for you or them? more I think PPC is a lousy deal for most companies run their campaigns for a few your PPC Which reminds me. Beware the PPC firms. But what really shocked me was the months, hoping that somehow tomorrow firm that wants to create your PPC cam- dirty little trick MSN it will start working, then give up. But paign for you. Yahoo, for instance, has a played on its clients plenty of others are just entering the mar- campaign for you.” $199 Assisted Setup service in which a earlier this year. ket, keeping prices per click up. “specialist” sets up your account. From Now, I know a lit- Still, buyer beware and all that. It’s a what I’ve seen, though, these so-called tle something about PPC firm’s job to maximize revenues, and “specialists” configure campaigns to maxi- the subject: I’ve my job to explain to my consulting clients mize clicks to your Web site, not to maxi- worked with all the how to make it work and warn about the So, one of my clients — Client X — mize sales or, better still, profits. large PPC services — risks. But Microsoft’s MSN adCenter ser- turned off content ads, and ran the cam- PPC advertising presents two chal- Google AdWords, vice crossed the line recently. paign for a number of months (not prof- lenges; you want to maximize the number Yahoo Search Mar- itably, but hey, I warned ’em!). of good prospects clicking on the ad, but keting, and GEEK NEWS Beware the ‘upgrade’ Well, on April 4, I received an e-mail also discourage bad prospects from click- Microsoft’s MSN Peter Kent First, a little background. There are two from MSN, because my address was still on ing on the ad (good prospect or bad, adCenter — and I’ve distribution methods for PPC ads: they X’s PPC account. The subject was “Account you’re paying for each click). Conversely, even worked with vari- can be displayed either in search results or upgrade to Content Ads,” and the message it’s in the interest of the PPC firm to maxi- ous smaller services, such as Miva and on “content” pages. In this second method, included this: mize clicks, regardless of whether they are Enhance. A couple of years ago I wrote ads are displayed on thousands of different “On April 12, 2007, we’ll upgrade your good or bad, and many of these “special- “Pay Per Click Search Engine Marketing Web sites, not based on anyone’s search account and your ad distribution will ists” do just that. for Dummies.” query but simply based on keywords found expand to content-based webpages. ... The bottom line is, I guess, don’t trust I’m not saying it’s impossible to make in the content pages. (Y)our text ads will display next to relevant the PPC firms. Don’t trust them when they money from PPC ads; there are many, I generally tell my clients to turn off content ... within the Microsoft network. ... tell you anyone can make money with many companies doing so. But I suspect content distribution, at least initially, (Y)our orders ... will set to hybrid, mean- PPC, beware their “assistance” — and read most companies, or at least a very large because these ads frequently have a bad ing they distribute to search results pages every e-mail they send you carefully! minority, actually lose money on PPC. return on investment; paying for clicks you and content pages.” The PPC business reminds me of Inter- get from content ads is often not worth the Get it? X turned off the content ads, but Pete r Kent is an e-commerce consultant net banner ads in 1998-2000, a business money. (Google recently launched a Pay Microsoft was “excited” to “upgrade” them in Denver. He can be reached at based on the concept of “give it a try.” Every Per Action program for content ads, but by turning them back on, without X’s per- www.PeterKentConsulting.com or time a company stopped using banner ads that’s a different story.) mission. X could tell Microsoft not to, but [email protected]. We Developed the Bank. They Developed the Reputation. EFNFGiXek Jki\\k › Jl`k\ ('' › Cfm\cXe[# :F › 0.'%--0%,.(. CfZXccp$Fne\[  Fg\iXk\[ 3030 South College Avenue, Fort Collins, CO 80525 phone: 970.226.1500 fax: 970.223.4156 web: www.everittmacmillan.com =FI 8CC F= PFLI D<;@:8C E<<;J 16 | The Northern Colorado Business Report www.ncbr.com | Oct. 12-25, 2007 Feel Like A Kid Again Assessments bring vital With Business Solutions dimension to hiring skills From US Cable! Decide what company “There’s an art to culture requires before attaining superior adding new employee sales, but art is not I have been working with business lead- ers for many years now and have noticed magic.” some patterns concerning employees that are consistent across all types of business. People in general are unique but the dynamics created line is a quantitative measurement. You when we work don’t get to count the notches in the belt together are most of most other employees. definitely predictable. So why is a previous track record a bad I recently started thing to look at? It’s not, unless it’s the working with a mid- only thing you are looking at. sized company in an Many of my clients used to let the industry new to me. I search end there. Now they look in the discovered the owner mirror. They study their own company has the same frustrat- and customers and think about what they ing hiring patterns want sales excellence to look like. Only that many of my ADVENTURES IN when they have discerned what their com- clients have at the MANAGEMENT pany’s culture requires can they begin to start. Donna Beaman develop a profile for what their top sales- Just a few months people should look like. earlier she was bursting Also consider that good salespeople are with pride at her most recent hire in the not necessarily born. Some make it look so sales department. She lured the guy with a easy that it seems like native ability, but just high sales quota from his job at a large like any job done well, a talent for selling national company to work with her much takes training, practice and commitment. smaller firm and told him she wanted him Yes, there’s an art to attaining superior to work the same magic for her that he sales, but art is not magic. If you combine worked there. the right characteristics with the right She believed he could do it or she training you will get the kind of results wouldn’t have gone after him. He believed you are seeking when hiring a new sales- he could do it or he wouldn’t have left his person — or any employee for that matter. job there in the first place. There are so many people schooled in the He arrived wearing his best suit and correct way to write a résumé and how to carrying his updated Rolodex. She put him “pass” an interview session that interview- in a great spot and waited for superior ing has become an art. sales figures. And waited. And waited some more. Add assessments The sales figures she expected never So how do you identify if the intervie- materialized, even though he was always wee has the right characteristics? How do on the phone and seemed to be rattling you even know what the right characteris- lots of doorknobs. tics are? She tried to analyze the situation and This is where assessments introduce sci- couldn’t quite put her finger on the problem. ence to enhance the art. US CABLE 10 Mbps INTERNET The gears just never seemed to mesh. He was Many people scoff at assessments as a always out of step with her expectations and hiring tool. Isn’t that what an interview is never quite reached the level of performance — the hiring manager sitting across from a FOR SMALL BUSINESS IS she sees in her sales leaders. Once he reached prospective employee assessing how well a certain level he never went beyond that. they will do the job based on a personal “THE FASTEST NET IN THE WEST” Now he is marching in place. interaction or past performance? Such disastrous hiring doesn’t have to We see how well that worked for my happen, yet it often does. Why? It’s linked new client. In fact studies show this tech- to a belief that excellent salespeople are nique works 14 percent of the time. born, not made, and that sales success in The best kind of assessment begins with one place easily translates to sales success identifying the characteristics of your ideal anywhere. employee and comparing the applicants you want to interview with those characteristics. Culture crucial to success This process saves you from interview- These beliefs ignore the fact that a great ing someone with the wrong attitude, part of the top salesperson’s success at his vision or personality for your culture and previous company was linked to that com- the position in particular. 970-587-2243 pany’s culture. Oh yes, a previously suc- For the success of your next employee I cessful salesperson can be successful in encourage you to incorporate assessments your company, too. But success in your into your hiring process. Based on the suc- company will depend on you redefining cess of my clients you’ll be thrilled with www.uscable.com his role, training him well, and both of you the results. thinking about selling for your company in a different way. In short, you can’t import Donna Beaman is an ActionCOACH his previous success without key changes. Business Coach who helps successful business Prior sales success is often the sole cri- owners build the business they require for FASTER SPEEDS • LOWER PRICES terion that hiring managers look at when the lifestyle they desire. Contact her at 970- considering a candidate for this crucial 232-3069 or DonnaBeaman@Action- position. After all, that star by the quota COACH.com. Oct. 12-25, 2007 | www.businessreportdaily.com The Northern Colorado Business Report | 17 DAILY IN REVIEW Economist predicts up to 4,000 new jobs

Editor’s note: Daily in Review is a partial Denver might be affected, she said. and distribute the clean-burning stoves in digest of stories reported in the Business Exempt from the layoff plans are five countries - India, Kenya, Uganda, Brazil Report Daily online service between Sept. 24 employees of Dean Foods subsidiary and possibly China - over the next five and Oct. 5. Follow Business Report Daily WhiteWave Foods in Broomfield, the oper- years. The stoves will be designed in coop- each day at www.ncbr.com — click on ator of Horizon Organic Dairy in Boulder. eration with CSU’s Engines Lab to emit “Breaking News” on the home page — or The Dean Foods dairy division employs fewer toxins and burn less fuel. subscribe to have each day’s top items deliv- 25,000 people nationwide. Morgan DeFoort, Engines Lab associate ered to your inbox. The company’s chief executive said that director, said the stoves will be manufac- commodity prices had undercut Dean tured and sold in the countries where they FORT COLLINS — Nearly 4,000 net Foods’ earnings outlook. The company will be used. DeFoort said the effort will new jobs are expected to be added to the lowered its full-year earnings target to $1.25 likely require adding “a couple positions” at Northern Colorado economy in 2008, per share, after an earlier projection of the Engines Lab and a ramping up of Envi- according to a report presented Oct. 4 by between $1.50 and $1.58 per share. rofit’s marketing and administration staff, regional economist Martin Shields. “probably tripling” the eight existing Shields, an associate professor of eco- Woodward repurchasing more stock employees over the next two years. nomics at Colorado State University, pre- FORT COLLINS — Woodward Gover- dicted continued growth in the service nor Co. (Nasdaq: WGOV) has authorized a Lamm joins Energy Literacy Advocates industry, which has accounted for about 61 $200 million stock repurchase program. FORT COLLINS — Former Colorado percent of the net new jobs in Larimer and The new repurchase program comes just Gov. Richard Lamm is one of the newest Weld counties since 2001. Shields also fore- over a month from the completion of a $50 additions to the board of Energy Literacy cast growth in higher-paid sectors of the million stock buyback. Advocates. economy, including professional, scientific On Aug. 30, Woodward completed the The group, which seeks to provide edu- and technical services, finance and health purchase of more than 453,500 shares. cational outreach for energy “literacy,” also care, and a reversal of job losses in the However, the number of shares in that pro- recently added former Congressman Tim region’s manufacturing sector, which has gram could fluctuate for up to four months. Penny, D-Minnesota, to its board. Also on shed more than 7,600 jobs between 2001 Prior to the first repurchase program, the board are Pam Inmann, executive direc- and 2005. Woodward had about 34.5 million shares tor of the Western Governors’ Association, Overall, Shields predicted a job growth outstanding. and Robert Stetson, who served as a top rate of 1.9 percent in 2008, a smaller rise The terms of the $200 million repur- executive at Pizza Hut, PepsiCo, Pearle than the 2.8 percent experienced in 2005-06 chase will allow the company to pick up Vision and Burger King. when 5,730 jobs were created. shares in open market and private transac- Stetson previously founded the Common- “Things could be better, but they are not tions through October 2010. sense Coalition, a nonprofit, grassroots orga- so bad,” Shields told an audience of about On Sept. 28, Woodward announced a nization devoted to the twin goals of energy 300 local industry leaders, policy makers, gift of $1 million to Colorado State Univer- independence and fiscal responsibility. economic development officials and educa- sity to launch a new systems-engineering tors at the CSU Regional Economic Sum- program and hire a high-powered profes- mit and Forecast held at the Marriott Hotel sor, formerly a NASA astronaut, to head it. *G ZPV MPWF
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you miss either way, you will be less likely MITCHELL, from 9 to achieve the ultimate goal in life, which is Peace Of Mind. “This article on young entrepreneurs listed six dents say they have some interest in being This article on young entrepreneurs an entrepreneur. Now we have a problem. listed six bromides that young people If a person who is not one of the 15 should consider to determine if they are percent tries to be an entrepreneur entrepreneurs. The idea is that if you meet bromides that young people should consider to (because it is cool and hip), it will be like a these characteristics, you are an entrepre- nuclear bomb. It will ruin not only the life neur. Wrong! of the pseudo-entrepreneur, but everyone What makes an entrepreneur? determine if they are entrepreneurs. The idea is in his or her life. That’s why it is absolutely critical to think deeply and long before The problem is that I know many suc- pursuing a career as an entrepreneur. cessful entrepreneurs who don’t share any that if you meet these characteristics, you are Conversely, if a person is among the 15 of these six qualities. percent, and tries to live a Thornton 1. Are you a self-starter? Well, the Wilder “normal life” as something other assumption is if the answer is yes, you are an entrepreneur. Wrong!” than an entrepreneur, he or she will also more likely to be an entrepreneur. On the be less than fulfilled. That is the essence of other hand, I know many entrepreneurs, what I discuss with my students: you must including myself, who are lazy. I have a determine if you are in that 15 percent. If very difficult time getting started on pro- jects. Hell, I have procrastinated with this column until the last hour. I do, however, think I work very smart and am able to pick and choose projects that need to get done. BUSINESS BANKING 2. Are you a positive thinker? The [ ] answer is yes about some things and no about others. Some entrepreneurs are very negative people and they just couldn’t “get along” in an atmosphere of structure, bosses and control. Thus, working for GET YOUR themselves was the only possible way they could survive. 3. Are you disciplined? Personally, I BUSINESS BOOMING. think a primary reason I became an entre- preneur is because I lack discipline in almost every area of my life. I wish I had more of it and I envy people who pick up their clothes and put the lid back on the toothpaste. But, somehow or another, I  manage to get things done that need to be done. 0RIME FORA"USINESS 4. Are you a life-long learner? I’ll stip- -INUS ,INEOF#REDIT UPTO  ulate this trait. Entrepreneurs, I think, tend to be interested in continual curiosity and learning. 2ATE'UARANTEEDAND.O&EESFOR/NE9EAR 5. Can you market yourself and your business? I guess this is probably true. Everything must be marketed or the ven- ture will eventually be doomed. But, it is  my observation that most entrepreneurs do not engage in traditional marketing. Somehow or another their passion and convictions transcend accepted marketing paradigms and they are able to get the #OMMERCIAL2EAL%STATE,OANUPTO-ILLION product to market. /WNER /CCUPIED OR4ERM 6. Can you be objective? Are you kid- ding me? It is impossible for an entrepre- neur to be objective about that which they have conceived. Only real entrepreneurs know The point is, you can’t put entrepre- neurs in a nomenclature. The phenome- non is not describable, especially by a list of characteristics. There are very few com- &2%%&2%%&2%%"USINESS#HECKINGFOR/NE&ULL9EAR monalities and no absolutes. I have been talking and writing about this subject for 25 years now and have had thousands of students in my classes, yet, I still don’t know how to identify an entre- HURRY IN. OFFERS END NOVEMBER 9, 2007. preneur. Only the real entrepreneurs know what’s in their souls and heart of hearts. The answer is deep within, but it is always there. Ultimately, the only proof is that they actually go out and do it. But, remember, only 15 percent (not 65 percent) have the genetics to make it hap- pen. If a person is not in the 15 percent pool and still pursues the path, the missile Berthoud 415 Mountain Avenue (970) 532-1000 Greeley 1111 11th Street (970) 353-2640 is out of the silo and things are going to Fort Collins 1075 West Horsetooth Road (970) 267-2200 Greeley 4290 West 10th Street (970) 352-0077 get ugly. Fort Collins 181 West Boardwalk Drive Unit 101 (970) 225-2982 Loveland 303 E Sixth Street (970) 667-5150 Brooks Mitchell, a professor of manage- Fort Collins 426 South Link Lane (970) 267-3700 ment at the University of Wyoming, is also ©2007 Bank of the West. Member FDIC. Prime Minus 1.00% variable rate will be in effect for the first 12 billing cycles after account opening. 6.85% rate effective September 4, 2007, and founder and owner of Snowfly Incentives subject to change. 6.85% rate is for owner-occupied, fixed-rate loans of up to $1.5 million with either a 10-year-term, 20-year amortization or 15-year term, 15-year amortization. Rate offers Inc. Contact him at [email protected]. require automatic payments from a Bank of the West checking account. All loans subject to credit approval. Rates depend on terms and other conditions. Certain other fees and restrictions may apply. Free Business Checking is free of monthly service charges, has a minimum opening deposit of $100, and a deposit limit of 200 items per month and coin and currency limit of $2,500 per month. Read his previous columns, free of charge, in the archives at www.ncbr.com.

Special Report BANKING Oct. 12-25, 2007 www.ncbr.com & FINANCE BANKING & FINANCE Plans for banks Banks can go under in cyberspace, too slowing in region

Colorado's hottest bank market cools First failures in vision closed Alpharetta, Ga.-based Net- poor documentation, a lack of proper con- for de novo, branches Bank. The Federal Deposit Insurance trols and failed business strategies.” 3Page2 Corp. was named as receiver of the Inter- The OTS actually executed a formal three years keep net-based bank. ING Bank purchased $1.5 enforcement action on NetBank in billion of its insured non-brokered November in an effort to correct deficien- FDIC on alert deposits for a 1 percent premium and will cies at the institution. The action pointed purchase $724 million of assets, while to issues with the bank’s finances dating NEWS In just over a week, the nation saw two Jacksonville, Fla.-based EverBank, another back to early 2006. banks fail. Internet bank, will purchase about $700 If this were the early 1980s that would- million of mortgages held by NetBank. Online pioneer BANKING n’t be big news, as 40 or more banks failed The FDIC will retain the remaining NetBank, founded in 1988 as Allatoona Kristen Tatti several years in a row back then. However, $1.1 billion in assets, including NetBank’s Federal Savings Bank, became one of the the industry recently enjoyed a three-year leasing and business finance divisions, for first online banks when it took on the run with no failures and has been posting later disposition. Internet business model in 1998. record revenues. So seeing two banks fail The closure of the $2.5 billion NetBank Colorado State University economics in as many weeks is something on an came after 2006 losses of $191 million. The professor Ronnie Phillips has long been anomaly. OTS attributed the loses to “early payment predicting that the Internet banking model On Sept. 28, the Office of Thrift Super- defaults on loans sold, weak underwriting, See BANKING, 20 Internet provider to provide wireless

Boulder-based C-Com Afinity Telecom signs Trends steady for high-income customers intent with 10 cities Page 24 est rate because I know treasuries are backed by make the volatility of the market quite so choppy Region’s trust banks the government and won’t go under, and there’s — it smoothes out returns.” LISTS continue to manage no risk.’” Smith also said that many clients opt for Region’s largest Doug Johnson, vice president of First Western “mutual funds that use hedging strategies.” Hedg- wealth conservatively Trust Bank in Fort Collins, similarly noted that ing is an investment strategy intended to reduce Non-Local Banks “there is a big bias toward quality and big names” risk and safeguard against market fluctuation. Page 27 among his customers. Many people choose to Smith emphasized the difference between By Kate Hendrickson invest in large public companies that offer large- hedging strategies and hedge funds. Hedging Local Banks [email protected] capitalization security rather than in smaller, strategies focus on lowering risk while hedge Page 28 riskier ventures. funds seek to maximize profit. Hedge funds are The stock market may be in turmoil, but A popular investment for customers of trust not required to register with the SEC and can be a Credit Unions investment trends at local trust banks have not banks is the relatively low-risk money market. riskier investment, as the high-profile collapse of Page 33 changed drastically as a result. “Traditionally, Smith explained that Valley Bank and Trust has the Bear Sterns hedge fund in June demonstrated. high-income individuals are looking for fairly added alternative options in this area. “These are Other common investment choices include conservative options for investing,” said Byron the types of things that don’t necessarily correlate CDs and IRAs, according to Bateman. “It’s seen as Bateman, president and CEO of Greeley-based with the equities market,” she said. Clients can a good option at this point because of the yield Cache Bank and Trust. invest in exchange-traded funds or mutual funds curve where it is,” he noted. These days, many trust and wealth-manage- that follow a commodities index rather than indi- He also said Cache Bank and Trust has been ment clients are making a “flight to quality,” vidual commodities. seeing more people looking for investment oppor- Said Jan Smith, vice president and trust officer “Commodities are real volatile, but an index tunities in real estate, which he attributes to the at Brighton-based Valley Bank and Trust. “Flight that follows commodities is safer,” Smith tangibility of the market. to quality means,‘I’m willing to take a lower inter- explained. “It’s a way to kind of cushion and not See INVEST, 22

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BANKING, from 19 said. point. Banks have to In the cases of NetBank and Miami Val- respond immediately ley Bank, only the insured deposits were with reductions to vari- would not prove as successful as tradition- assumed by new institutions. “Almost every bank able rate loans. However, al banking. Uninsured depositors will receive they cannot react as “The basic problem with the Internet checks from the FDIC for the amount they has had their net quickly on the deposit banking model is, ‘Why do you need it?’” were insured up to, which is $100,000 in and liability side, result- he said, explaining that traditional brick- most cases. interest margin ing in reduced margins. The expenses that will and-mortar banks offer the convenience of NetBank had about $109 million in MCALLISTER online banking services combined with the 1,500 deposit accounts that exceeded the shrink.” result from the rate drop comfort of a physical location. Internet federal deposit insurance limit. Miami Val- obviously were not reflected in the half- banks have stayed competitive by offering ley had approximately $14 million in 269 year data. However, local banks were attractive interest rates, but traditional deposit accounts. Darrell McAllister, Chairman and CEO already seeing increased deposit expenses. banks have been able to keep up. The FDIC will continue to market the The interest expense related to domestic “They can’t offer enough to make peo- assets of each of the banks that are not Bank of Choice Holding Co. office deposits reported June 30 for North- ple want to do it,” Philips explained. already sold. ern Colorado banks increased 46 percent The recent failures have not been lim- The amount of time the regulator holds from 2006. The increase is likely related, in ited to cyberspace, though. On Oct. 4, the onto an asset has to be balanced against some part, to the competition in the mar- Ohio Department of Commerce’s Divi- how much it can sell it for, according to ket, which has been fierce for several years. sion of Financial Institutions took control Barr. He explained that while the FDIC BANKS, from 1 From 2005 to 2006, deposit interest expense of Lakeview, Ohio-based Miami Valley looks to get the greatest amount for the actually increased by 89 percent. Bank. In court documents, the division assets to be divided among the bank’s “Almost every bank has had their net claimed the bank “is in an unsafe and creditors, it also faces the prospect of of growth out there,” said Tom Chinnock, interest margin shrink,” said Darrell McAl- unsound condition to continue the increasing expenses related to holding the president and CEO of Loveland-based lister, Chairman and CEO of Bank of business of banking” and “is insolvent, in assets. Advantage Bank. He Choice Holding Co. A major cause of that is that it has liabilities in excess of its This could be troublesome in the case added that the economy the flat yield curve that is pushing investors assets.” of Miami Valley, which had a fairly large is not bad here, but just toward short-term bonds. The FDIC was named receiver and had portfolio of subprime loans. not what it has been in “We (the banking industry) basically already sold its deposit assets to The Citi- “Subprime, in this market, are a little the past few years. The have all of our money pretty expensive zens Banking Co. The pre-sale of the more difficult to sell,” he explained. economic slowdown right now,” McAllister said. deposits meant that the bank was closed by On the whole, the FDIC feels that the combined with increas- the state on Thursday and opened on Fri- banking industry is healthy. Barr said the ingly tough competition Foreclosure effects day under the new name. FDIC’s list of “problem banks” remains locally and nationally are The woes of the local banking industry Citizens assumed $62 million of Miami relatively low, with 61 institutions tightening margins. CHINNOCK are not limited to national market trends. Valley’s insured deposits for a 2 percent flagged. Chinnock feels that “Obviously, we’re not immune from the premium. “We don’t see this as a trend,” Barr said. the net income levels for banks are not real estate market,” McAllister said. “Con- FDIC spokesman David Barr explained “Nevertheless, the FDIC is keeping a close going to rebound in the near future. struction companies are doing very little that it is generally the case that banks buy- eye on not only banks but on the overall “It’s going to be spotty for the rest of this building.” ing assets of failed institutions only pick economy.” year and into next year,” he said. Many local banks have not held large up the insured deposits. The June 30 results do not reflect a mortgage portfolios; however, the high Kristen Tatti covers the banking industry recent event that promises to further number of foreclosures in the region is FDIC checks issued for the Northern Colorado Business increase bank expenses. The Federal causing hardships for the builders. Because “There is usually more expenses for Report. She can be reached at 970-221- Reserve Board decided on Sept. 18 to there is a glut of foreclosed properties on banks to pick up all of the depositors,” he 5400, ext. 219 or [email protected]. reduce prime rate one-half percentage See BANKS, 21

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are not directly counted Net income issues aside, however, as losses, they often result Northern Colorado’s banks are seeing some in increased expenses good growth in other areas. Assets Available in print, online “Smart money makes such as legal and admin- increased by 13 percent to just under $8.5 and CD-ROM istrative costs. Overall, billion, deposits increased by 12 percent. money in choppy McAllister feels that the Locally based banks are employing more banking results for the than 1,900 people. Order yours first half of the year mir- economic markets.” ror the region. Opportunities out there TODAY! “We’re simply a reflec- NALENZY And not all Northern Colorado banks Gerard Nalezny, president tion of the local economy have seen a decline in net income in 2007. and our local economy is struggling,”McAl- Fort Collins Commerce Bank, a relative Fort Collins Commerce Bank lister said. newcomer to the market, reported a net income of $368,000 versus a $72,000 loss National trend last year. The bank opened in June 2005. The decline in net income is not a “The advantage we have is we’re small,” Northern Colorado centric issue, though. said Gerard Nalezny, president of Fort All U.S. banks reported a combined net Collins Commerce Bank. Because of its size, income of $36.7 billion for the second quar- small increases in Fort Collins Commerce BANKS, from 20 ter — a decrease of $1.3 billion from last Bank’s business translate into a strong year. According to the FDIC, the decline can impact. However, the flip side of that would be attributed to higher expenses for bad be true as well — a small decline would the market, the inventory of existing new loans and narrower net interest margins result in a bigger hit. homes is not moving as quickly. “Banks continued to face two key chal- “I think there is as much opportunity in The challenges for the real estate indus- lenges — a difficult interest rate environ- this market as in other markets,” he said. try are translating into increased losses and ment and ongoing weakness in residential “Smart money makes money in choppy expenses for local banks. Local banks mortgage lending,” said FDIC Chairman economic markets.” reported $14.2 million in real estate owned Sheila Bair, in a statement regarding sec- There are many opportunistic deals to be through foreclosure as of June 30. For the ond quarter results. “However, under the made when the economy slows. Nalezny same period last year, they only held $5.7 circumstances, the industry’s second quar- said the bank is always looking to work on million. ter earnings performance was very solid. deals that “make sense.” For the first half of the year, local banks What we see is a banking industry that is “Two years ago, if you could fog a mirror reported more than $5.3 million in charge- generally well capitalized, well diversified you could get a home loan,” he said. How- offs in construction and land development and profitable, and is in good position as ever, in today’s market there are reasonable compared to only $1.8 million for the first we go through this period of market deals falling through due to credit worries. half of 2006. The banks also saw an increase adjustment.” While Fort Collins Commerce Bank doesn’t of more than 200 percent in charge-offs in Northern Colorado’s net income decline do much home lending, the situation is commercial and industrial loans with $5.8 of 20 percent for the first half of the year illustrative of lending in all areas. million for the first half of the year. still outpaces the national and state decline. “From our perspective, we’re seeing an Additionally, banks are seeing more U.S. banks saw a decline of 3 percent and incredible opportunity in business right past-due loans. Colorado-based banks saw a 4 percent now,” Nalezny said. “This environment McAllister said that while past-due loans decline. works well for us.”

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22 | The Northern Colorado Business Report www.ncbr.com | Oct. 12-25, 2007

equity markets as a factor in this shift, but “It’s not a more he also attributes it to “a heightened aware- ness through all the technology available.” People are now able to get news instantly on conservative their phones or laptops, and this informa- tion overload sometimes causes people to environment than panic. “Someone might hear a piece of news in the past, just a about the stock market and immediately worry about their nest egg. This leads to a different environment.” mentality to be more conservative,” Bate- man said. Jan Smith, In addition, Bateman believes the aging money sector is driving this conservative Vice president and trust officer push. Baby boomers who may have made riskier investments in their 40s or 50s are Valley Bank and Trust now realizing they do not have as much time to recover from their losses. Bateman sees these customers making conservative INVEST, from 19 investments with a “wait and see attitude.” On the other hand, Smith said, “People are being more conservative to a degree,” “They can go out and see their invest- but she does not see such a dramatic change ment, touch it, feel it,” he said. in the market. Neither does Johnson. At First Western Bank, Johnson has “It’s not a more conservative environ- noticed a similar increase in demand for ment than in the past, just a different envi- real estate investment. ronment,” he said. “In Northern Colorado there is a high However, Johnson does agree that trust affinity toward real estate and cash invest- bank clients tend to be fairly conservative in ments,” he said. general. Many people who invest in trust banks are successful entrepreneurs. Differing market views “They’ve got that entrepreneurial spirit,” T he customers at these banks follow Johnson said. “But they are conservative similar investment patterns, but the bank with their money because they don’t want executives have different views about the to make it all over again.” marketplace. Bateman sees a definite con- Despite the pessimism regarding the servative trend. He explained that if invest- stock market, trust banks have nothing to ment risk were ranked from one to 10, from worry about — at least on the deposit side. riskiest to safest, today’s trust clients would “We’re seeing strength across the board,” fall in the seven-and-a-half to eight range. Johnson said of First Western, and Smith From 1995-2005, however, he would have and Bateman also reported an increase in placed them in the six to seven range. new trust clients over the last year at Valley Bateman acknowledges unrest about Bank and Cache Bank.

ALL COPY, from 3

offering Savin products, All Copy has sever- All Copy Products Inc. al brands available. One thing that All Copy Connecting Point will continue to offer is digital document Founded: 1975 management products and services. Management: Brad Knepper, president Image Technologies began offering digi- Headquarters: Denver The Company We Keep tal document management software in Product/Service: Sells copiers, printers, fax 2005. The company’s then-owner, Chuck machines and scanners as well as document Matta, explained that it was a logical leap to management and archiving services. "Connecting Point has been our serve customers who were purchasing Employees: 145 "Go-To" technology company for 15 mostly digital-file products. Web: www.allcopyproducts.com All Copy saw the same trends, and since years. They are the professionals taking over the company, Knepper said, the that we can count on to keep our copier and printer industry has become a SOURCE: BUSINESS REPORT RESEARCH computers, network, and much different place. “Digital copiers were just being intro- communication systems operating." duced in ’99,” he said. Now, copiers aren’t actual units compared to 2005. However, just digital — they scan, copy, fax and e- the money spent on those units decreased mail, too. by 6 percent. Gartner reported a 14 percent THE SOLUTION: “We have a pretty heavy focus on docu- decline in the average sales price in a year- • Network Monitoring ment management software,”Knepper said. over-year comparison. Randy Sorensen - Owner The company began to work toward On the other hand, digital storage con- • Patch Management John Adams - Owner entering the document management mar- tinues to see growth. According to research • Managed Firewall Ray Sorensen - IT Mgr ket three years ago. Clients were beginning firm IDC, the digital storage market has Duane Franzen - Account Manager - Connecting Point to entertain the idea of adopting docu- exploded and will continue to see strong • Digital Phone System ment-management plans, but many still growth. For the storage ecosystem — which considered that area the domain of enter- includes all hardware, software and storage- prise businesses. related services — IDC estimates that “It’s amazing, even now, a lot of compa- worldwide spending was $71 billion in We Specialize In nies haven’t created a document-manage- 2006 and is expected to grow to nearly $87 ment plan yet,” he said. billion in 2010. That equates to a 5.2 per- MANAGED SERVICES • NETWORKING • TELEPHONY • SECURITY • PRODUCTS The move to offering additional ser- cent compound annual growth rate during vices, such as digital document manage- the 2006-10 forecast period. ment, is one that companies in the industry Document management services will be are making to stay afloat. a big focus for All Copy going forward. “Our industry is pretty flat on the hard- Knepper feels the segment will increase ware side of things,” Knepper said. tenfold in 2008 compared to this year. 4 Knepper’s optimism for the document 2401 17th St. Greeley, Colorado More printers, less money management sector spills over to his expec- 970-356-7224 www.cpgreeley.com According to a third quarter 2006 analy- tations for the Northern Colorado market. sis by research and advisory firm Gartner “We have significant growth plans for Celebrating 22 years of Excellence Inc., sales of color printers to office clients that market,”he said.“Our intentions are to saw a 10 percent increase in the number of be the No. 1 in market share in that area.” Oct. 12-25, 2007 | www.businessreportdaily.com The Northern Colorado Business Report | 23

BANKING & FINANCE Plans for new banks in region slowing to a halt

local shareholders, especially in Wellington, “Statewide, we’ve seen a lot of interest State’s hottest bank were not successful. The FDIC approval will in new charters,” said Colorado State be valid through about third quarter 2008, FROM THE ARCHIVES Banking Commissioner Richard Fulker- market cools off for but the bank is not likely to get off the son. ground. Find related stories in the Northern Colorado The division of banking approves all de novo, branches “We are not actively marketing the Business Report archives at ncbr.com: new branches and state charters. He stock,” said Litzau, who continues to run I “Local banks big winners in branching,” 10/1/96 counts at least five new charters this year, By Kristen Tatti Colorado Capital Brokerage Corp. LLC, a I “Banks take on a retail approach for customer including one for Loveland Bank of Com- ktatt [email protected] commercial real estate loan brokerage com- access,” 2/9/00 merce, which opened last month. Howev- pany. I “Slew of new bank branches set to open,” er, he has noticed lag in Larimer and Weld For years, Northern Colorado was the With the stock unsold, the bank cannot 7/23/04 counties. hottest banking market in the state, but this proceed with approval for its state charter. I “Banks not ready to slow branching yet,” 1/19/07 “I have seen a slowdown in the Northern year there has been a definite cooling. Colorado area,” he said. “I think that’s just There has been a noticeable dip in the Branching boom reflective of the market.” number of applications for new charters to Fulkerson referred to the banking mar- form de novo banks as well as in applica- During the past several years, branching Bill Sullivan, the executive vice president ket rather than the overall market. He tions for new branches in Larimer and Weld growth has also been explosive. The num- of commercial lending, said that the bank believes the slowdown is more about the counties. Additionally, a number of banks ber of institutions operating in Colorado was actively looking at locations and that an sheer number of branches in Northern Col- that were previously looking at entering the increased from 35 in 2000 to 40 in 2006. expansion into Larimer or Weld counties orado rather than an indication of deeper market have now postponed or canceled During the same period, the number of would likely follow the same model as the troubles. those plans. branches increased by 48. But there has not Boulder expansion. “I don’t consider it any negative eco- Plans for Wellington’s first locally based been a new application for a few months Today, the bank is operating in a tempo- nomic indicator,” he said. bank have skidded to a halt. A group of and some banks that were previously inter- rary Boulder location. Sullivan estimates The trend for Northern Colorado is rel- investors hoped to open Overland Bank in ested in Northern Colorado expansion are that the permanent site will be open during ative to several years of high growth and the spring of this year. Plans were to open a cooling to it now. the first quarter of 2008. However, plans for does not mean that there is no expansion of small branch in the new Main Street Market At the end of 2006, Colorado State Bank a Northern Colorado location will remain the banking industry. As previously men- grocery store and open a second branch in a and Trust opened up a branch in Boulder. It on a back burner for the foreseeable future. tioned, Loveland Bank of Commerce standalone building in the same develop- was a big move for the nearly 100-year-old “For the near term, we are focused on opened in September and its sister bank ment. However, those plans have hit a road bank, which had traditionally operated in building out in the Boulder market,” Sulli- Larimer Bank of Commerce opened in Fort block. the Denver metro area. van said. He added that the Northern Col- Collins in May. Additionally, Bank of “We did get our (Federal Deposit Insur- In May 2006, Colorado State Bank orado market still makes sense for the bank, Choice is preparing to open its second Fort ance Corp.) approval,” said Al Litzau, who announced its plans for a full-service branch but that any such plans are “far out.” Collins location. was slated to serve as the bank’s president. in Boulder, where it had already been oper- In all, it appears that the current slow- “It’s out there and still valid, but it is subject ating a commercial lending site. At the time, Trend is local only down is more in line with average growth to getting the stock sold.” the bank was also looking at the possibility The decrease in applications for branch- than the expansion of the past few years has He explained that efforts to sell stock to of expanding into Northern Colorado. es and charters is not a statewide trend. been.

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24 | The Northern Colorado Business Report www.ncbr.com | Oct. 12-25, 2007 Small C-Com takes on large task to bring wireless

bankers, foreign investors and individuals Boulder company to for the funds. The revenue from the services provided will eventually help to pay off build wireless network debts and fuel the company. The company plans to charge $14.99 for in 10 Colorado cities the high-speed wireless Internet access, which will be available practically anywhere By David Clucas within the 10 cities. It will charge $9.99 for [email protected] residential voice services and $12.99 for extra features. Customers can keep their BOULDER — C-Com Affinity Telecom original phone numbers, and long-distance Inc. isn’t Google or Earthlink, but the 10- calls would cost about 2 cents to 3 cents per employee company in Boulder is set to take minute. on a similar challenge — providing high- There will be short-term services avail- speed wireless Internet services in metro- able to visitors, with the first 30 minutes politan areas. free and beyond that $2 a day. All customers David Clucas, Boulder County Business Report In August, C-Com signed a letter of will have to register their computers, lap- WEB SPINNERS — President Bill Sweeney, left, CEO Fred Chernow, center, and Vice President Gary Garrison of intent with 10 cities — including Boulder, tops or wireless Internet devices with C- Boulder-based C-Com Affinity Telecom Inc. will work with Toronto-based BelAir Networks to provide high-speed Broomfield, Louisville and Superior — that Com so only those devices will work with a wireless voice and data services to Boulder, Broomfield, Louisville, Superior and six other Front Range cities. would allow it to sell wireless Internet and specific account. voice services to local residents. It is work- tinuous regional wireless network. The to provide both data and voice services. The ing with Toronto-based BelAir Networks, Wireless less expensive company is in discussions with Windsor, consortium thought C-Com had a solid which will manufacture and install the C-Com and BelAir expect to begin work Berthoud, Loveland, Greeley and Colorado footing because it isn’t solely relying on sell- transmitters on city-owned light posts. on installing the network in January. Com- State University to expand the network. ing wireless data services. The company The 10 cities, known as the Colorado pletion is expected within 12 to 16 months. Colorado law precludes cities from going already provides some communication ser- Wireless Communities, also include Arva- Wireless services are less expensive to into the business of providing wireless vices to Boulder and other Colorado cities. da, Golden, Lakewood, Northglenn, Thorn- install than cable, and the company passes Internet service, but the cities can give the C-Com also boasts some longtime local ton and Wheat Ridge. The area covers 137 the savings onto the customers, according right to private companies. C-Com and tech experience. square miles with a population of about to Chernow. seven other companies submitted proposals Chernow spent 20 years at Bell Tele- 620,000. “If you were to lay one linear mile of to the 10-city consortium, and C-Com was phone Laboratories and was a professor of C-Com won’t stay small for long, said fiber-optic cable that would cost $200,000 a selected to provide the service. electrical engineering at the Massachusetts CEO Fred Chernow. The company expects mile — or about $2 million to cover a “They provided a solid solution for us,” Institute of Technology and the University to employ 700 people in the Boulder/Den- square mile,” Chernow said. “A square mile said Francis Duffy, Boulder’s interim infor- of Colorado. ver metro area by 2013. of a wireless network costs about $100,000.” mation technology director. Vice President Gary Garrison worked for C-Com is looking for about $15 million In downtown Fort Collins, FRII has Duffy said C-Com stood out for several Bell and received his master’s degree at CU. in investments and loans to launch the 10- deployed a wireless mesh network that reasons. It didn’t require the cities to buy The company recently hired Bill Sweeney, city program and grow the company. It is relies on transmitters mounted on public services — although the cities will likely former Maxtor vice president and general soliciting venture capital, investment utility poles as the first step toward a con- become customers — and C-Com’ s plan is counsel, as its new president.

To make a deposit please pull up to the window. I HAVE A BELGIUM-ABILITY Lisa, traveling the world as a valued employee Advantage Bank Direct 1. Take customer’s check. of New Belgium Brewing Company. 2.Scanit. Step Out Of Line 3. Send it. Fort Collins 970.204.0450 970.613.1982 Businessbankingisthatsimplewith Loveland Help Foothills Gateway continue to empower everyone who has Greeley 970.353.0047 the electronic deposit system that Boulder 303.442.0445 unique abilities – for the next 35 years and beyond. puts your money in your account whileit’sstillinyourhotlittlehands. advantagebanks.com www.foothillsgateway.org Ad provided by New Belgium Brewing Company. Oct. 12-25, 2007 | www.businessreportdaily.com The Northern Colorado Business Report | 25

,SVM^SR&EROW0SZIPERH C-BT by MWTPIEWIHXSERRSYRGI the numbers

I Built between 1938 and 1957, the C-BT sys- tem consists of 12 reservoirs, 35 miles of 8IVIWE6MQWO] tunnels, 95 miles of canals and 700 miles of transmission lines. LEWNSMRIHMXWWXEJJEW I A total of about 213,000 acre-feet of water is delivered to northeast Colorado each year FVERGL:MGI4VIWMHIRXERH for agricultural, municipal and industrial 'SQQIVGMEP0IRHIV uses. I The C-BT provides supplemental water to 30 cities and towns along and near the ;I´VITPIEWIHXSLEZIWYGL Front Range. EXEPIRXIHORS[PIHKEFPI I The water is also used to irrigate about 693,000 acres of farmland in northeast Col- PIRHIVSRSYVWXEJJ orado. I The C-BT system spans 150 miles from %RH]SY[MPPFIXSS west to east and 65 miles from north to south. I C-BT facilities include Willow Creek and Shadow Mountain reservoirs, Grand Lake and Lake Granby on the Western Slope. I Water is transported through the 13-mile &RPPHUFLDO5HDO(VWDWH‡&RQVWUXFWLRQ/HQGLQJ ‡0RUWJDJH/HQGLQJ ‡6%$/RDQV Alva B. Adams Tunnel to the Front Range and is stored in Carter Lake, Horsetooth Reservoir and Boulder Reservoir.

SOURCE: NORTHERN COLORADO WATER CONSERVANCY DISTRICT


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  XXXCBOLIPSJ[POPOMJOFDPN WATER, from 1 “Once the contract ,8<(3/6<:05.3,5+,9 filled in 2002, but NCWCD spokesman Brian Werner said the District has never was repaid we should received any money from the Bureau. “Once the (1938) contract was repaid, be receiving a portion we should be receiving a portion of those revenues — and we haven’t,” he said. of those revenues and Kara Lamb, a spokeswoman for the Bureau, said she could not comment on the we haven’t.” suit. “There’s nothing I can say at this time because of the pending litigation,” she said, Brian Werner, spokesman adding that the Bureau had not yet received Northern Colorado an official notification of the court filing. Water Conservancy District District board acts Werner said the lawsuit was “something we’ve been talking about for a while” and the NCWCD board of directors decided to project water storing and carrying income seek a court ruling on the matter. be used to pay off the construction project. “The statute of limitations was coming Once the project was paid off in 2002, the up and the board decided to go forward non-project payments were to be divided with it,” he said. equally between the District and the In the lawsuit, the District claims it is Bureau. owed “in excess of $10,000” and likely much However, in contracts negotiated with more. Loveland in 2001 and Berthoud on March “Upon information and belief, the 23 of this year, the suit states, the Bureau Northern District estimates that the money has refused to honor that part of the 1938 damages due it are in excess of $100,000,” contract. the suit states.“The Northern District is not In the case of Loveland, a charge of $8.08 able to calculate with certainty the exact per acre-foot was levied for water stored amount due it under the 1938 Repayment and conveyed through C-BT facilities. In Contract because the required records and the case of Berthoud, the charge was $29.82 data are within the control of Reclamation per acre-foot. and not within the possession of the North- The suit says both Loveland and ern District.” Berthoud have made their water con- Werner said one of the District’s claims veyance payments to the Bureau, but that for relief in the lawsuit is to get access to the Bureau has refused to pay the money Bureau of Reclamation records to deter- due to NCWCD under Article 22. mine exactly how much is owed. Werner said the District is also asking “We don’t have any way of accounting the court to make sure the Bureau honors for it,”he said. “We’re sort of grasping at air future carriage contracts, in particular for that ($100,000).” when the current Windy Gap contract expires in 2025. Article 22 at issue “It’s sort of a principle because we know The lawsuit states that Article 22 of the there will be more of these (contracts) in 1938 repayment contract calls for all non- the future,” he said. ©8#%,%.%2'9).#

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2ENEWABLERESOURCESLIKEWIND WATER THESUNANDOTHERALTERNATIVEENERGYSOURCESMAKESENSEFOROURENVIRONMENT!NDOUR FUTURE4HATSWHY8CEL%NERGYISTHENUMBERONEWINDUTILITYINTHENATION)TSWHYWEOPERATEHYDROELECTRICPLANTS GENERATING ENOUGHENERGYTOSERVEHALFAMILLIONTYPICALHOMES)TSWHYWEMANAGEONEOF!MERICASLEADINGSOLARPROGRAMS4HATSMORE THANSTEWARDSHIP)TSLEADERSHIP&ORMOREINFORMATIONONRENEWABLEENERGY VISITXCELENERGYCOM 9OUR,IFE/UR%NERGY XCELENERGYCOM Oct. 12-25, 2007 | www.businessreportdaily.com The Northern Colorado Business Report | 27 The Twist Largest Non-Local Banks No. 1 based on Deposits in Market as of June 30, 2006: Wells Fargo Bank NA with $769,841. Non-locally based charters, ranked by total assets Customize lists at http://ncbr.datajoe.com RETURN ON AVG. ASSETS TOTAL DEPOSITS (000s) JUNE 30, 2007 ASSETS (000s) JUNE 30, DEPOSITS (000s) IN NATIONALLY JUNE 30 EQUITY CAPITAL (000s) RETURN ON EQUITY JUNE HOLDING COMPANY BANK 2007 MARKET JUNE 30, 2006 2007 JUNE 30, 2007 30, 2007 WEB SITE PREV ADDRESS ASSETS (000s) JUNE 30, DEPOSITS (000s) IN TOTAL DEPOSITS (000s) MARKET SHARE JUNE 30, REGULAR AGENCY PERSON IN CHARGE RANK RANK PHONE 2006 MARKET JUNE 30, 2005 NATIONALLY 2006 2006 BANK CLASS YEAR FOUNDED

JP MORGAN CHASE BANK NATIONAL ASSOCIATION 0.93 N/A 1111 Polaris Parkway $1,252,369,000 $325,361 $439,996,000 $98,388,000 11.57 www.chase.com 1 Columbus, OH 43240 $1,144,680,000 $308,443 $434,752,000 4.69% FDIC James Dimon 1 312-732-4000 N 1799

WELLS FARGO BANK NATIONAL ASSOCIATION 1.51 Wells Fargo & Co. 101 N. Phillips Ave. $428,724,000 $769,841 $312,324,000 $38,655,000 15.60 www.wellsfargo.com 2 Sioux Falls, SD 57104 $415,859,000 $771,442 $329,186,000 11.09% OCC Dick Kovacevich 2 800-956-4442 N 1874

US BANK NATIONAL ASSOCIATION 1.95 N/A 425 Walnut St. $221,025,875 $124,963 $113,097,080 $20,422,013 20.81 www.usbank.com 4 Cincinnati, OH 45202 $212,553,949 $119,301 $117,337,830 1.80% FDIC N/A 3 513-632-4141 N 1998

WORLD SAVINGS BANK FSB 1.31 Golden West Financial 1970 Broadway St. $126,764,379 $210,543 $73,243,232 $24,808,827 7.31 www.worldsavings.com 5 Oakland, CA 94612 $128,395,218 $217,614 $62,575,431 3.03% OTS Marion O. Sandler 4 510-446-3300 SA 1891

KEYBANK NATIONAL ASSOCIATION 1.22 Keybank National Association 127 Public Square $89,930,240 $125,785 $57,286,597 $6,839,203 15.87 www.key.com 6 Cleveland, OH 44114 $90,534,912 $118,144 $57,327,323 1.81% OCC Henry L. Meyer 5 216-689-3000 N 1849

BANK OF THE WEST 0.96 BNP Paribas SA 180 Montgomery St. $58,368,027 $108,696 $33,151,413 $8,933,115 6.16 www.bankofthewest.com 7 San Francisco, CA 94104 $55,634,929 $75,780 $33,179,348 1.57% FDIC Don J. McGrath 6 970-223-6426 NM 1986

FIRST STATE BANK NM DBA FIRST COMMUNITY BANK IN 0.97 First State Bancorporation COLORADO $3,342,457 $10,331 $2,502,690 $387,276 8.70 www.fsbnm.com 120 West Plaza $2,603,136 $5,989 $2,082,160 0.15% FED Michael Stanford 7 9 Taos, NM 87571 505-758-6600 SM 1922 COLORADO EAST BANK & TRUST 0.78 Coloeast Bankshares Inc 520 S. Main St. $564,135 $75,037 $480,091 $51,535 8.65 www.coloeast.com 14 Lamar, CO 81052 $358,595 $63,358 $282,264 1.08% FDIC Steve Sherlock 8 719-336-5200 NM 1905

ADAMS BANK & TRUST 0.98 Adbanc Inc. 202 N. Spruce St. $447,343 $22,652 $324,299 $35,498 12.46 www.abtbank.com 12 Ogallala, NE 69153 $409,342 $21,153 $283,609 0.33% FED Mel Adams 9 308-284-8401 SM 1916

COLORADO COMMUNITY BANK 1.83 Colorado Community Bank 317 S. Main St. $396,724 $126,802 $346,126 $42,496 17.35 www.coloradocommunitybank.com 13 Yuma, CO 80759 $364,927 $96,071 $322,416 1.83% FED N/A 10 970-848-3500 SM 1982

FIRSTBANK OF LONGMONT 0.91 Firstbank Holding Co. 1707 N. Main St. $386,779 $23,894 $341,866 $21,620 14.91 www.efirstbank.com 15 Longmont, CO 80501 $336,021 $14,288 $313,529 0.34% FDIC John Ikard 11 303-772-5500 NM 1908

VALLEY BANK AND TRUST CO. 0.83 First Express of Nebraska Inc. 1701 First Ave. $299,510 $38,663 $256,452 $24,828 10.02 www.valleybankne.com/ 16 Scottsbluff, NE 69361 $279,761 $34,946 $221,097 0.56% FDIC John P. Stinner 12 308-632-7500 NM 1996

ACADEMY BANK, NATIONAL ASSOCIATION 4.39 Dickinson Financial Corp. 2835 Briargate Blvd. $260,613 $4,284 $225,917 $29,769 38.86 www.academybankco.com 19 Colorado Springs, CO 80920 $173,207 $2,837 $149,713 0.06% OCC susan Browfield 13 719-472-1090 N 1966

CAPITAL WEST FIRST NATIONAL BANK OF WYOMING (0.02) First National of Wyoming Bankshares Inc. 2020 E. Grand Ave. $233,923 $11,168 $184,515 $15,256 (0.23) www.fnbwyo.com 18 Laramie, WY 82070 $197,945 $2,195 $175,560 0.16% OCC Daniel Furphy 14 307-745-7351 N 1964

EQUITABLE SAVINGS AND LOAN ASSOCIATION 0.08 N/A 221 N. Third St. $191,122 $2,822 $147,374 $18,919 0.84 www.equitable-savings.com 17 Sterling, CO 80751 $200,936 $3,953 $167,278 0.04% OTS William Furbee and Bill Furbee 15 970-522-6522 SA 1954

FIRST WESTERN TRUST BANK 1.04 First Western Financial 1200 17th St., Suite 2650 $149,685 $10,847 $108,297 $16,945 8.90 www.fwtb.com 20 Denver, CO 80202 $122,112 $13,098 $98,921 0.16% FDIC N/A 16 303-531-8105 NM 2004

FRONT RANGE BANK 0.22 Front Range Bancshares Inc 13013 W. Alemeda Parkway $121,264 $13,308 $97,220 $22,379 1.82 www.frontrangebank.com 21 Lakewood, CO 80228 $97,121 $12,528 $86,196 0.19% FDIC David Wade 17 303-989-1313 NM 1997

FIRST NATIONAL BANK 0.86 Thomas H. Olson Family Ltd. 100 E. Third St. $93,011 $12,902 $80,529 $8,973 8.97 www.fnbco.com 22 Julesburg, CO 80737 $91,661 $19,055 $77,320 0.19% OCC Tom Olson Jr. 18 970-474-3341 N 1906

CHEYENNE STATE BANK 0.76 N/A 101 West 19th St. $36,174 N/A $31,368 $4,550 6.14 www.cheyennestatebank.com NR Cheyenne, WY 82001 $33,038 N/A $28,183 N/A FDIC Bill Starrs 19 307-634-8844 N/A 2002 Deposits reflect amount in local area, which is Brighton, Larimer and Weld counties only. Based upon responses to Business Report survey researched by Kathleen Chaballa All other data reflects system-wide. To be considered for future lists, e-mail [email protected] FDIC-Federal Deposit Insurance Corp. OCC-Office of Comptroller of Currency OTS-Office of Thrift Supervisor N-Commercial Bank SM-Commercial Bank, state charter and Fed member NM-Commercial bank, state charter and Fed nonmember BANQUET & CONFERENCE ROOMS WITH EXCELLENT PARKING A perfect space for entertainment events, They’re educational presentations, business presentations, lectures, or company holiday celebrations. back! Café Columbine Same great service at the & Bakery Manny, Brian & Kado same great place since 1940. SHIRTS. . . DRESSES. . . SKIRTS. . . Rooms Available SLACKS. . . SWEATERS. . . LINENS. . . 6:00 a.m. - Midnight BLOUSES. . . TIES. . . LEATHERS. . . 970.494.6445 DRAPES. . . 802 West Drake Road, Fort Collins (970) 482-4355 • 210 EAST OAK STREET • FORT COLLINS, COLORADO 80524 28 | The Northern Colorado Business Report www.ncbr.com | Oct. 12-25, 2007 The Twist Largest Local Banks No. 1 based on Equity Capital as of June 30, 2007: C entennial Bank of the West with 237,625.00. Locally based charters, ranked by total assets Customize lists at http://ncbr.datajoe.com EQUITY CAPITAL (000s) AS OF JUNE 30, 2007 ASSETS (000s) JUNE 30, DEPOSITS (000s) IN MARKET RETURN ON EQUITY AS OF JUNE PERSON IN CHARGE BANK 2007 JUNE 30, 2006 30, 2007 REGULATORY AGENCY HOLDING COMPANY ADDRESS ASSETS (000s) JUNE 30, MARKET SHARE JUNE 30, RETURN OF AVG ASSETS JUNE 30 BANK CLASS WEB SITE RANK PREV RANK PHONE/FAX 2006 2006 2007 EMPLOYEES-LOCAL 2007 YEAR FOUNDED

BANK OF COLORADO $154,460.00 FDIC Matthew S. Pletcher and Cody Fullmer 1609 E. Harmony Road $1,709,086 $1,286,038 Pinnacle Bancorp Inc. Fort Collins, CO 80525 $1,603,364 1.68% 16.05 NM 1 1.47 NA www.bankofcolorado.com 1 970-206-1160/970-206-1156 1994

NEW FRONTIER BANK $148,233.00 FDIC Larry Seastrom 2425 35th Ave. $1,662,717 $776,859 New Frontier Bancorp. Greeley, CO 80634 $960,618 1.02% 13.19 NM 4 1.24 186 www.newfrontierbank.com 2 970-339-5100/970-339-5200 1998

FIRST NATIONAL BANK $117,260.00 OCC Mark Driscoll 205 W. Oak St. $1,449,746 $1,210,966 NA Fort Collins, CO 80521 $1,370,914 1.59% 7.73 N 2 0.60 415 www.1stnationalbank.com 3 970-495-1267/970-482-4738 1934

CENTENNIAL BANK OF THE WEST $237,635.00 FED Daniel M. Quinn 4650 Royal Vista Circle $1,016,130 $803,963 Centennial Bank of the West Fort Collins, CO 80528 $1,160,924 1.05% (2.09) SM 3 (0.48) 46 www.centennialbanks.com 4 970-266-0505/970-225-9045 1993

HOME STATE BANK $43,094.00 FDIC Donald Churchwell 300 E. 29th St. $488,174 $378,256 Homestate Bancorp. Loveland, CO 80537 $457,330 0.50% 12.29 NM 5 1.10 NA www.homestatebank.com 5 970-203-6100/970-669-1491 1950

BANK OF CHOICE $39,922.00 FDIC Darrell D. McAllister 3635 23rd Ave. $474,638 $350,265 Bank of Choice Holding Co. Evans, CO 80620 $430,249 0.46% 6.81 NM 7 0.57 86 www.bankofchoice.net 6 970-506-1000/970-506-1937 1997

UNION COLONY BANK $48,233.00 FED Larry Wood 1701 23rd Ave. $420,054 $372,325 FNNI Greeley, CO 80634 $434,715 0.49% 3.47 SM 6 0.41 138 www.unioncolonybank.com 7 970-356-5050/970-353-6299 1979

ADVANTAGE BANK $33,534.00 FDIC Thomas Chinnock 1475 N. Denver Ave. $342,682 $287,183 Advantage Bancorp. Loveland, CO 80538 $333,989 0.38% 11.94 NM 8 1.14 80 www.advantagebanks.com 8 970-613-1982/970-613-1328 2000

VALLEY BANK & TRUST $21,560.00 FDIC David Jansen 30 N. Fourth Ave. $254,696 $41,050 Valley Bank & Trust Brighton, CO 80601 $248,281 0.59% 2.48 NM 9 0.20 160 www.valleybankandtrust.com 9 303-659-5440/303-659-4183 1971

FIRSTBANK OF NORTHERN COLORADO $12,796.00 FDIC Patrick M. Brady 1013 E. Harmony Road $218,167 $179,888 Firstbank Holding Co. Fort Collins, CO 80525 $148,950 0.24% 12.55 NM 10 0.73 NA www.efirstbank.com 10 970-223-4000/970-282-3925 1963

FARMERS BANK $17,451.00 FED Fred J. Bauer 119 First St. $183,621 $116,624 Farmers Bank Holding Company Ault, CO 80610 $134,271 0.15% 23.24 SM 11 2.35 28 www.farmersbank-weld.com 11 970-834-2121/970-834-1351 2001

Jodie Redfern CACHE BANK AND TRUST $10,792.00 FDIC 4601 W. 20th St. $135,297 $116,853 6.80 NM NA 12 Greeley, CO 80634 $131,424 0.15% www.cachebankandtrust.com 12 970-351-8600/970-351-7878 0.54 45 1996

FDIC William Hertneky NEW WEST BANK $6,753.00 3459 W. 20th St., Suite 114 $93,585 $67,438 10.45 Colorado State Chartered New West Banks of of Colorado Inc 14 Greeley, CO 80634 $74,534 0.09% Bank www.newwestbank.biz 13 970-378-1800/970-378-1801 0.80 19 2003

FIRST NATIONAL BANK OF ESTES PARK David Taylor $10,819.00 OCC First National Financial Corp. 241 Park Lane $88,797 $78,965 24.84 N 13 Estes Park, CO 80517 $89,680 0.10% 2.94 28 www.fnbestes.com 14 970-586-4485/970-586-0517 1965

FIRSTBANK OF GREELEY Patrick M. Brady $3,752.00 FDIC Firstbank Holding Co. 2901 23rd Ave. $48,657 $38,424 5.64 NM 10 Greeley, CO 80631 $46,291 0.05% 0.45 16 NA 15 970-339-9000/970-339-2795 NA

SIGNATURE BANK Robert N. Hinderaker $7,371.00 FDIC Signature Bank Corp. 355 Eastman Park Drive $47,591 $21,582 2.18 NM 17 Windsor, CO 80550 $25,921 0.03% 0.39 14 www.signaturebanks.com 16 970-674-3600/970-674-3610 2004

Gerard Nalezny and Mark Allen Kross FORT COLLINS COMMERCE BANK $8,643.00 FDIC 3700 S. College Ave., Unit 102 $45,468 $31,604 8.72 NM Capitol Bancorp Ltd. 16 Fort Collins, CO 80525 $39,793 0.04% www.fortcollinscommercebank.com 17 970-204-1010/970-204-1590 1.38 12 2005

Based upon FDIC figures, June 30, 2006, except for deposits and market share data as of June 30, 2005. Based upon responses to Business Report survey researched by Local charters are based in Larimer, Weld or Adams county and market is combined total of those counties. To be considered for future lists, e-mail [email protected] N/A-Not Available

“My banking career over the last 15 years has given me the privilege of working with many outstanding individuals and businesses. Whether the need is for commercial, construction, real estate or agricultural loans, I enjoy helping my customers meet their goals and dreams with timely financing. Being a small business owner who also serves on a City Board, I have a unique perspective in understanding businesses needs, and the challenges that face the community. At Farmers Bank, being locally owned and managed, we take pride in recognizing our customers needs and our ability to help them succeed. Come see why we are one of the fastest growing and best performing private companies in Northern Colorado.”

713 S. Lemay Ave. Fort Collins, CO 80524 970.221.2020 800.241.4440 Dan Byers, Vice President "The Way It Should Be" Farmers Bank, Fort Collins LOCALLY OWNED & MANAGED Oct. 12-25, 2007 | www.businessreportdaily.com The Northern Colorado Business Report | 29

WEB, from 9 stand what you’re looking for, if they actu- recognition built up would be lost. your own text a lot before you give that to ally listen to what you want.” The same rule applies to managing and the Web developer.” Even if you think you’ve found the per- updating the site. It’s a good idea to make E-commerce makes Web development Prepare to collaborate fect design company, a problem could sure you’ll have access to update your own more complex, and more expensive, In preparation, company owners need to always occur. Thus, it’s crucial that you own information, so you don’t have to pay the depending on the number of products that understand what they want to get out of a the legal rights to your site, by having the developer every time you need to make a are going to be on the site, Steward said. A new Web site. domain name registered in your name, not small change. company selling fewer than 100 items can “Every project we do is a collaboration the designer’s. “Somebody might never want to update usually do that through PayPal or Google with our clients, with the client saying who “I ran into several clients who had hired their own site, but at least they’ll have the and save a lot of money. in our office is going to be leading the a Web designer and then they didn’t have option that way,” Steward added. “If they’re going to be doing a few hun- effort, who else will be working on it, what any control over their domain name,”Stew- dred items, they want an e-commerce site do we expect from that Web firm,” Wright ard of CreatingWebs.com said. “It forces E-commerce complexities with all the bells and whistles, which dou- explained. “People are realizing there are a (the client) to use them instead of some- Speaking of updates, the last piece of bles what they would be paying, if not lot of different skills that go into it: graphic body else. It’s basically the only reason (a building a site should be the text. triples,” she estimated. designers, information designers, writers, design company) would do something like “You don’t want to waste money on Campbell, whose e-commerce clients programmers. It’s a lot of moving parts. that.” putting on text and then have the Web range in size from small business to whole- The smartest clients are the ones that say, If a dispute should arises and you take development company change it and salers, said there are dozens of shopping ‘Here’s the part that we can take and here’s your business elsewhere, your company change it again,” Steward said. “You need to cart software solutions. “What you choose who in my office is going to do it.’” would have to start over with a new domain make sure the site functions the way they to use is really dependent on what the client Wright recommends figuring out what name, which means any search engine want it first, and be reading and proofing needs.” you want in a firm, realizing this will be a relationship lasting at least three to four years, before you start interviewing. “If you’re not sure about what you want, you end up with something not exactly what you had in mind,” said Debbie Camp- bell, owner of Red Kite Creative in Fort Collins.“A good place to start is by checking out competitors’ Web sites.” Deena Steward, owner of Creating- Webs.com LLC in Fort Collins, agrees. “I have clients go through the Web themselves and find companies that do similar things to what they do, see what they like and what they don’t like about those sites, how the features work on the site,” Steward said. “Then I have them go pick a completely different subject and try to figure out the information they would want on that site, as the customer. A lot of times businesses forget what the customer is actually looking for.” Chris Bell, owner of Advanced Media Services in Fort Collins, said it is crucial that companies first figure out what they want their Web site to do. “It sounds like common sense, but it is very rare [that companies actually have those discussions],”he added.“The Web site has become your premier flagship represen- tation. Yes, you’re going to get great ideas from different (Web design) companies, but you need to start with that internal dia- logue.” Evaluation factors Once you’re actually in shopping mode, there are a lot of factors to help you decide which company to hire — or at least which companies not to hire. Wright recommends looking for companies with at least four years of experience under consistent own- ership. “I would also look to a firm that demys- tifies the Web a little bit,” he said. “There’s a lot of jargon in online marketing, and folks that can tie back what they’re doing to a business outcome are going to be the best firms to work with.” Red Kite’s Campbell advises finding a designer with some experience building sites for businesses in your industry, so that they have some understanding of it. Bell of Advanced Media Services sug- gests looking at a Web design company’s quality of work first, and then their experi- ence. “Also talk to the customers that they’ve done Web sites for: Did they meet your expectations, exceed expectations?” he said. If it’s important to you to know and build a relationship with the person who’s going to be working on your account, then you also need to ask upfront to meet the designer, because a lot of companies out- source Web design work. Just sitting down with a person can tell you a lot about how you’ll be able to work together, Steward says. “See if they under-

32 | The Northern Colorado Business Report www.ncbr.com | Oct. 12-25, 2007

find a place in the mar- Real-world ventures ketplace,” he said. Much of what CSU researchers develop Those partnerships in their laboratories that shows demonstrat- “I think there’s a lot of could include major ed effectiveness in animal trials can now be foundations, large phar- R&D dollars transferred to the real-world marketplace, potential for economic maceutical companies, on the rise thanks to the superclusters concept, government and start-up MicroRx and NeoTrex, and CSU Ventures, a businesses. wholly owned subsidiary of Colorado State impact.” Total federal, state, foundation, commercial Opgenorth said the University Research Foundation. OPGENORTH and other research revenues at Colorado potential for CSU to cap- Mark Wdowik, CSU Ventures CEO, said State University have been rising dramati- Terry Opgenorth, Chief Operating italize on infectious dis- his goal is to simplify the process of turning cally in recent years, thanks to CSU's grow- ease treatments — pri- intellectual property into marketable prod- ing reputation as a renowned disease Officer marily needed in poor ucts. research institution: NeoTREX and MicroRx and developing countries “CSU Ventures is designed to be a — is limited, although business enterprise — it is a business,” he Fiscal year Research Percent cancer treatments hold said. “Under the traditional model, we tend July 1 - June 30 revenue increase more profit promise. to push technologies out and see if anyone 2003 $187,054,000 4.6 “It is the goal to is interested. Under the new model, we go 2004 $214,886,000 14.9 license things out to out and see what the needs are and then go CSU, from 2 2005 $236,211,000 9.9 companies and to receive back to meet those needs, which is much FARLAND 2006 $267,400,000 8.9 royalties or start up a more proactive.” 2007 $296,000,000 11 arms of the cancer and infectious disease company where the university owns some Wdowik predicted that CSU Ventures superclusters. portion of it,” he said. “I think there’s a lot will be forming more partnerships with “My role is to identify research that can of potential for economic impact.” CSU entrepreneurs wanting to launch their be developed beyond the research laborato- research into the marketplace with the ry,” Opgenorth said. “In our case, since Money not main focus assistance of federally funded small SOURCE: CSU OFFICE OF VICE PRESIDENT FOR RESEARCH we’re not-for-profit, the commercialization But William Farland, CSU’s vice presi- business technology transfer programs. is a big factor, but not the biggest.” dent for research, said making money for “You’re going to see more spinoff com- Opgenorth explained that much of the the university is not the main focus of the higher than the year before. panies coming out of CSU, probably three superclusters’ goal is to benefit humanity, superclusters. The Department of Defense is interested to four a year across various disciplines,” he especially people living in poverty. “I think the intent here is to move some in developing antidotes to infectious dis- said.“By forming these start-up companies, “It’s a real challenge, but one we’d all of this intellectual property out of the uni- ease agents, such as anthrax, that could be it brings in additional early-stage funding expect a university to take on for the public versity to solve problems,”he said.“In terms used as weapons. Part of the work that will to validate some of these technologies and good,” he said. “The world is truly global of receiving income and royalty streams, all be conducted at CSU’s Rocky Mountain that means more jobs for Fort Collins and and you never know what a person who the better. But the intent is to make a return Regional Biocontainment Laboratory, a the surrounding area.” gets on a plane next to you has been on the investment that’s been made into the super-secure research facility unveiled Oct. Wdowik said he believes CSU has found exposed to.” university.” 2, will be focused on national defense a winning combination to turning research Opgenorth, who started his duties at Since 2003, the amount of research needs. into vaccines and other products that can CSU in September, said efforts to get funding coming into the university — The $30 million facility will house the both benefit humanity and help the local MicroRx and NeoTREX up and running mostly from federal government agencies Regional Center of Excellence for Biode- economy. have just begun. such as the U.S. Department of Health and fense and Emerging Infectious Diseases, “I think having the supercluster concept “But the objective is to develop some Human Services — has increased 49 per- where researchers will collaborate on devel- and CSU Ventures to figure out how to get real partnerships and find more places cent. Last year’s total of $296 million set oping new vaccines, drugs and diagnostics these products out to those who need it — where things like Dr. Orme’s research can another new record and was 11 percent and be trained in biosecurity issues. that’s really what it’s all about.”

A Great Place to do Business! Great Access • Located on I-25 • 1 Hour from DIA • 30 miles south of I-80 • Burlington Northern & Santa Fe Railroad • 10 minutes to Fort Collins Great Opportunity • Enterprise Zone tax Incentives • Growing retail & service opportunity • Pro-business town government Great Community • Exceptional Schools • Affordable housing • Numerous recreational opportunities

One of the fastest growing communities in Colorado For further information contact the Wellington Area Chamber of Commerce at: 970-568-4133 email: [email protected] www.wellingtoncoloradochamber.com Oct. 12-25, 2007 | www.businessreportdaily.com The Northern Colorado Business Report | 33 The Twist Largest Credit Unions No. 1 based on longevity: C ollege Credit Union of Greeley since 1935. Ranked by total shares and deposits Customize lists at http://ncbr.datajoe.com NO. OF MEMBERS TOTAL ASSETS JUNE 30 TOTAL SHARES AND 2007 TOTAL LOAN AMOUNTS TOTAL DELINQUENT CREDIT UNION 2007 DEPOSITS JUNE 30, 2007 EMPLOYEES JUNE 30, 2007 LOANS 2007 PERSON IN CHARGE W/TITLE ADDRESS TOTAL ASSETS JUNE 30 TOTAL SHARES AND FULL-TIME 2007 TOTAL LOAN AMOUNT TOTAL DELINQUENT WEB SITE RANK PREV RANK PHONE 2006 DEPOSITS JUNE 30, 2006 EMPLOYEES-PT JUNE 30, 2006 LOANS 2006 YEAR FOUNDED

NORLARCO CREDIT UNION - CORPORATE OFFICE 2545 Research Blvd. $334,137,517 $305,193,432 45,410 271,310,249 903 Robert E. Hamer, CEO 1 Fort Collins, CO 80526 $367,999,909 $273,847,575 115 303,678,555 258 www.norlarco.com 1 970-416-5000 35 1959

BOULDER VALLEY CREDIT UNION 162 S. Saint Vrain Ave. $150,919,263 $133,583,764 17,704 109,402,996 141 Rick Allen, President 2 Estes Park, CO 80517 $139,598,012 $123,948,177 50 111,865,926 93 www.bvcu.org 2 970-577-0750 5 1950

NORBEL CREDIT UNION - MAIN Edwin Bigby Jr., President and Laura McFadden, 1025 E. Swallow Road $98,733,583 $86,671,450 16,250 71,585,758 69 Vice president 3 Fort Collins, CO 80525 $96,736,623 $86,256,058 52 75,068,573 1 www.norbel.org 3 970-206-9666 1 1940

WELD SCHOOLS CREDIT UNION 2555 47th Ave. $45,570,682 $41,003,040 6,846 27,535,431 23 Steve Sanborn 4 Greeley, CO 80634 $41,869,315 $38,004,405 17 38,004,405 22 www.weldschoolscu.com 4 970-330-9728 5 1936

COLLEGE CREDIT UNION OF GREELEY 2901 S. 27th Ave. $36,501,817 $31,086,702 4,082 26,291,823 11 Walt Marx 5 Greeley, CO 80631 $34,162,308 $28,873,946 12 26,469,557 11 www.collegecu.org 5 970-351-2434 1 1935

LONGS PEAK CREDIT UNION 1661 Estrella Ave. $26,061,000 $21,753,331 5,837 18,294,428 24 Sondra S. Koberstein 6 Loveland, CO 80538 $26,788,501 $22,432,761 16 18,564,308 14 www.lpcu.org 6 970-667-8585 2 1953

BRIGHTON FEDERAL CREDIT UNION 562 N. 7th Ave. $11,389,567 $10,261,048 1,881 7,588,700 8 Roxene R. Auen 7 Brighton, CO 80601 $10,986,111 $9,864,347 4 8,176,112 5 www.brightonfedcu.org 7 303-659-6600 N/A 1954

BRIGHTON COOPERATIVE FEDERAL CREDIT UNON 195 S. Kuner Road $9,800,901 N/A 2,846 6,748,869 23 Noni Koabza, Manager 9 Brighton, CO 80601 $8,336,833 $7,308,936 3 7,061,415 16 www.brightonfcu.com 8 303-659-7014 4 1938

BIG THOMPSON FEDERAL CREDIT UNION 746 N. Cleveland Ave. $8,973,857 $8,123,650 2,089 7,545,953 30 Anne T. Hrdlicka, CEO 8 Loveland, CO 80537 $8,876,613 $8,119,887 4 8,333,568 15 www.bigthompsonfcu.org 9 970-669-4747 N/A 1966

SUNRISE CREDIT UNION 5569 N. Larimer County Road 29 $4,048,328 $3,751,230 707 3,143,637 4 Diana de Winton 10 Loveland, CO 80538 $3,843,631 $3,589,737 3 3,293,390 4 www.sunrisecreditunion.org 10 970-679-4311 N/A 1997 Region surveyed is Brighton, Larimer and Weld counties. Based upon responses to Business Report survey researched by Kathleen Chaballa To be considered for future lists, e-mail [email protected] 34 | The Northern Colorado Business Report www.ncbr.com | Oct. 12-25, 2007

BRAVO, from 4

is to let the world know about it. That’s what the second panel of the Journey will explore: the ins and outs of marketing for Register now: startups. The final featured presentation of the To purchase Bravo! Tickets, visit www.ncbr.com and day will allow participants to interact click on Events, or call 970-221-5400, directly with successful Northern Colorado entrepreneurs who have been honored as Bravo! award winners over the past decade. What are some of the challenges they have faced that may be unique to the region, and what strategies have they used to grow their businesses? They’ll be on hand to ask these Bravo! Entrepreneur awards will be pre- and any other questions from the audience. sented in four geographical categories — The Journey also will feature a resource one each for Fort Collins, Greeley and fair with displays by entrepreneurs and ser- Loveland, and one for Outlying Areas — as vice providers open throughout the day. well as for Emerging Entrepreneur, Region- The Startup Journey is presented by the al Spirit Award and Lifetime Achievement. N orthern Colorado Business Report in part- Cost to attend the Bravo! event without the nership with Colorado State University Startup Journey is $75 per person; corpo- Office of Economic Development. Spon- rate tables of eight are available for $550. sors include the Fort Collins Technology Sponsors for Bravo! include Bank of Incubator, Hewlett-Packard Co., Holland & Choice, EKS&H, Palmer Flowers, McWhin- Hart LLP, and Northern Colorado Eco- ney, CSU Office of Economic Develop- nomic Development Corp. ment, and United Western Bank. Cost to attend the Startup Journey, Event partners include Fort Collins Area which includes a year’s subscription to Chamber of Commerce, Greeley Chamber NCBR, is $49. For only $99, Journey partic- of Commerce, Loveland Chamber of Com- ipants can also purchase a ticket the 10th merce, Northern Colorado Economic Annual Bravo! Awards reception and ban- Development Corp. and Upstate Colorado quet, which will take place in the First Economic Development. National Bank Exhibition Hall at The For more information or to purchase Ranch, beginning at 5:30 p.m., immediate- tickets, visit www.ncbr.com and click on ly following the Startup Journey. Events, or call 970-221-5400.

36 | The Northern Colorado Business Report www.ncbr.com | Oct. 12-25, 2007

Attractive proposition HELI-SUPPORT, from 3 maintenance of three others. In July, Heli-Support finalized a certifi- A company decision several years ago cate allowing it to overhaul the Turbomeca almost made the addition of those jobs a Heli-Support Inc. Not much has changed for Heli-Support Arriel 1 helicopter engine. The company gain for Cheyenne rather than Fort Collins. as far as its business focus is concerned. The spent five years readying its facility and staff Shields said that Cheyenne officials company is again seeing a surge in oil and to gain approval from the manufacturer offered “an attractive proposition” to invite Founded: 1981 gas customers and is still known for its and is now the only independent company the company to Wyoming. The move would Management: Kevin Shields, vice president and repair and overhaul expertise. in the nation that is authorized for the have allowed Heli-Support to join its parent general manager work. A company press release indicated company in Cheyenne. He adquarters: Fort Collins Global customer base that the manufacturer has produced more “We took the steps to get ready for the Product/Service: Provides overhaul and repair H owever, the firm now employs about than 7,000 Arriel engines and that about 70 move but had to retreat,” Shields said. for select helicopter models. 80 and claims a customer list from around percent of them are in service in North Among the factors that made the move Emplo yees: 80 the world and in the private and public sec- America. undesirable for Heli-Support, Shields said, Web: www.helisupport.com tors. About 25 percent of its business is In preparation for gaining the certifi- was that the hanger facility available was not from international customers and one of its cate, the company hired six technicians and adequate for the company’s specialized needs. biggest clients is based in Japan. will likely add about 12 more in support of Another major issue was the weather. The company has worked for the past it. Heli-Support tests all of its engines on a two decades on securing additional certifi- “With this new certificate, we are expect- machine that simulates actual flight situa- SOURCE: BUSINESS REPORT RESEARCH cations. It is currently certified for complete ing to move into growth mode,” Shields tions — the engines are monitored to overhaul of two engine models and deep said. assure that they meet all manufacturer specifications under various conditions. An engine in a test cell requires a significant amount of airflow. Shields said there was concern that the velocity and consistency of the wind in southern Wyoming could throw off the instrumentation. NEED NEW EQUIPMENT? Finally, most of Heli-Support’s person- nel lived in Fort Collins. NEED NEW ANYTHING? “Ultimately, that played into our deci- sion to re-entrench here,” Shields said. Although portions of the business had been moved — some of the employees had been in Wyoming for about a year — by fall of 2004, the company was settled back in Fort Collins. While Fort Collins ended up the better choice for Heli-Support, the location is not without its hurdles. “It’s sometimes a challenge being here,” Shields said. The company often must search nationwide for technicians with the very spe- cialized skills required.“Bringing them here is hard due to the cost of living in Fort Collins.” Labor force challenges However, others say employment issues are an industry-wide problem that the company would be facing anywhere. Mike Hansen, general manager of Fort Collins-based Century Helicopters, explained that the issue is the amount of training required for helicopter mainte- nance and repair. Hansen explained aviation schools typi- 8IFUIFS
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,&:#*; and blue-collar labor careers. Despite the difficulties, Heli-Support is already looking forward to continued SM growth. Shields said the company is filling up in its current location and will eventual- *Subject to credit approval. Approved equipment lease, loan, and lease line of credit applications received by 12/31/2007 are eligible for either a 0.75% rate reduction or a 90-day ly need to consider its options. payment deferment. Actual rates, fees, and terms are based on those offered as of the date of application and are subject to change without notice. “As we grow, we may want to look for a new 1Key business deposit account and automatic payment withdrawals required. Normal checking account service charges may apply; please refer to specific account disclosures for details. site,” Shields said, adding that any such move 2Automatic payment withdrawals required. Interest continues to accrue during deferment period. would be many years off as the company is in 3Subject to credit approval. Business Responsive Line of Credit rate is a variable rate based on The Wall Street Journal Prime rate (Prime) and is Prime plus or minus a margin. a long-term lease for its current location. Approved applications up to $150,000 received by 12/31/2007 are eligible for a rate of Prime – 1.5% for the first six months. Actual annual percentage rate after promotional period will be determined by credit qualifications. Actual rates, fees, and terms are based on those offered as of the date of application and are subject to change without notice. When the time to consider expansion does A Key business checking account is required to receive promotional rate. Normal checking account service charges may apply; please refer to specific account disclosures for come, though, Shields said the company would details. likely look for property in Northern Colorado. C`jk\e kf k_\ >i\Xk\jk ?`kj f] k_\ OOOO C\k fli dlj`Z kXb\ pfl YXZb

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38 | The Northern Colorado Business Report www.ncbr.com | Oct. 12-25, 2007

Potable Water Plant Well Radon Uranium-price Evaporation “The demand for Pond uranium is solid roller coaster

because every nuclear The spot price of uranium has been dropping over the last few months from a record high Upper Aquifer power plant will need of nearly $140 per pound of U3O8 in June to $75 per pound on Sept. 30, according to uranium to keep TradeTech’s uranium information web site Leaching Ore (www.uranium.info/). Solution Confined Deep Aquifer running.” That’s still almost twice what a pound of ura- nium was selling for in the late 1970s, the last time there was a uranium boom in the United Lane Douglas, spokesman States, and 10 times the price when the mar- ket reached its low point of $7 to $8 per SOURCE: WISE URANIUM PROJECT, WWW.WISE-URANIUM.ORG Powertech USA pound in the early 1990s. HOW IT WORKS — The in-situ mining process pumps an alkaline solution into underground uranium deposits to The price of uranium hovered around $10 per dissolve or leach the mineral from the ore. The mineral-laden solution is pumped back to the surface to be sep- pound through the late 1990s and early arated. The ore-containing aquifer is located deeper than that tapped by wells for human or agricultural use, and is confined by distinct geologic formations. Wells are drilled prior to mining to test confinement integrity. 2000s, starting to rise slowly in 2003. The price began to rise sharply in 2005 as the demand grew for nuclear fuel in developing countries — especially China — and investor/speculators began investing in ura- nium stocks.

SOURCE: TRADETECH

POWERTECH, from 1

Lane Douglas said Powertech plans to begin submitting its applications for a mining permit in the latter part of 2008 with exten- sive reviews and periods of public comment set for 2009. If all goes well, Powertech expects to begin mining uranium by July 2010, Dou- glas said. “At that point, the stock is going to soar,” he said of the publicly traded compa- ny. But getting to that point is going to be an uphill struggle with lots of money spent along the way. Already, fierce opposition is building to the project among those who fear environmental damage from the urani- um extraction process. Numerous emotion- charged public hearings are expected as the permit application process unfolds. Spending millions Douglas said Powertech expects to spend between $2 million and $3 million on pre- mining activities and has spent an addition- al $2.1 million on land purchases “for sur- face acreage over minerals we already own.” Owning the land clears the way for Pow- ertech to construct any facilities it may need for an ongoing operation. It also allows the Your friendly, neighborhood global fi nancial company. company — with EPA approval — to inject waste water from the mining process deep into underground receiving areas that are geologically separated from the Laramie- Fox Hills aquifer, which supplies drinking water to nearby residents. YOU WANT THE STABILITY of a big company, and the benefıt education to one-on-one retirement Powertech is required to install water ® monitoring wells around its drill sites to personal attention of a local shop. At The Principal, and fınancial planning for your employees. make sure there is no contamination to nearby water wells. we offer you the best of both. Our local sales and Think of it as having Douglas said Powertech has also posted service offices nationwide bring you worksite the entire fınancial a $360,000 bond with the Colorado Depart- ment of Natural Resources’ Division of solutions. So you and your fınancial professional services world, right Reclamation, Mining and Safety to ensure that all drill wells will be capped and the have all our resources at the workplace–from at your door. area restored at the end of operations. Demand surge holds To learn more, contact your fi nancial professional or visit principal.com Demand in America and around the world for uranium to fuel nuclear power plants has been surging in recent years, and ©2007 Principal Financial Services, Inc. “The Principal,” “Principal Financial Group” and the Edge design are registered service marks and the illustrated character uranium oxide or U3O8 reached a record and “We’ll Give You an Edge” are service marks of Principal Financial Services, Inc. Insurance issued by Principal Life Insurance Company. Securities offered through price of $138 per pound on the spot market Princor Financial Services Corporation, (800) 247-4123, member SIPC and/or independent broker/dealers. Securities sold by a Princor Registered Representative in June. That price dropped to $75 per are offered through Princor.® Bank products offered through Principal Bank,® member FDIC, Equal Housing Lender. Principal Life, Princor,® Principal Bank and pound at the end of September, but indus- Principal Financial Services, Inc., are members of the Principal Financial Group,® Des Moines, IA 50392. Insurance and annuities are not FDIC insured, not obligations try analysts say the latter price is more real- or deposits of Principal Bank, not guaranteed by Principal Bank, and subject to investment risks, including possible loss of the principal invested. #5216072009 See POWERTECH, 39

Oct. 12-25, 2007 | www.businessreportdaily.com The Northern Colorado Business Report | 39

Demand dip Powertech’s long road to mine license “We’ve been asked to temporary, industry Getting a license for in-situ recovery of uranium is a Weld County before actual mining can occur. put a ban on uranium process that Powertech predicts will take about two A permit from the U.S. Nuclear Regulatory Commis- experts expect and a half years. The company began its regulatory sion is not required because Colorado is an “agree- mining, but we can’t interaction earlier this year when it filed its original ment” state with the NRC and therefore will oversee Worldwide demand for uranium peaked at notice of intent to conduct prospecting operations the application process. about six million pounds in late 2006 and has do that.” with the Colorado Department of Natural Resources’ Under new guidelines recently released by the state, since dropped to about 900,000 pounds, Division of Reclamation, Mining and Safety. the Centennial Project will be under the jurisdiction according to Gene Clark, CEO of TradeTech, a Other steps along the way include: of state natural resources department’s Division of uranium market information company based David Long, chairman I Obtaining an underground injection control per- Reclamation, Mining and Safety with additional in Denver. mit from the U.S. Environmental Protection Agency input from the Department of Public Health and Clark said that diminished demand is expect- Weld County commission to make sure the operation complies with the feder- Environment’s Radiation Materials Unit, which is the ed to be temporary with 435 nuclear power al Safe Drinking Water Act. state’s regulator of radioactive materials. plants in 30 countries needing uranium to I Obtaining Air Quality and Groundwater Discharge Powertech plans to begin submitting its applica- generate electricity. In addition, 29 new permits and a Radioactive Materials license from tions for the above permits and licenses in the lat- nuclear plants are under construction in 12 the Colorado Department of Public Health and Envi- ter part of 2008. countries and 48 nuclear plants in the United ronment. States have received license renewals with I Obtaining a Use by Special Review permit from SOURCE: POWERTECH USA AND STATE AGENCIES 34 more expected. Clark said there appears to be strong world- wide demand for uranium at least through the year 2015. SM SOURCE: TRADETECH Start With Trustt

POWERTECH, from 38 istic and likely to hold for the foreseeable future. Douglas said Powertech could make a profit even if the price fell further but wouldn’t say at what point the price would make its uranium operations unprofitable. “The demand for uranium is solid because every nuclear plant will need urani- um to keep running,”he said. “We maintain that (the price) is going to go up.” Powertech has estimated from historical records compiled by Rocky Mountain Ener- gy Co. which explored the region in the late 1970s and early ‘80s — before the uranium market took a dramatic dive — that the When looking for an Weld County area has a total inferred resource of 9.7 million pounds of uranium. electrician, or any other If those resources are confirmed and the price of uranium maintains at least $50 per business, you want one pound, the company could earn about half a billion dollars from the Centennial Pro- you can trust. A business ject. with a proven track County’s role limited record for keeping its Weld County will have a voice in whether Powertech gets its permit to mine commitments and doing uranium, but county commission chairman David Long said the county can’t arbitrarily the job right. They are prohibit mining no matter how much pub- lic opposition forms to the project. easy to find. “There’s a perception by the public that we could make it so burdensome that it Just look for the Better can’t be done,” he said. “But that would be a taking of a development right.” Business Bureau Seal. Although Weld County is one of the state’s biggest producers of oil and natural gas, Long said the county has no specific policy on the regulation of uranium min- ing. “We’ve been asked to put a ban on ura- SM nium mining but we can’t do that,” Long said. “We can’t separate out mining uses. Start at bbb.org • SStart With Trust That’s a state function.” The county will have a part to play in the permitting process when it comments on Sponsored by these local BBB Accredited Businesses Powertech’s Environmental Plan and in deciding on a Use by Special Review Permit for the project before any mining can begin. But Long said public opposition will not be the deciding factor in granting or reject- ing any application. What county commis- sioners will focus most on, he said, is that “an applicant meets the code and the oper- ation doesn’t violate the health, safety and welfare of the county.”

40 | The Northern Colorado Business Report www.ncbr.com | Oct. 12-25, 2007 “It’s kind of humbling, An ‘Expy’ roster when you consider who Each year since 1999, the year “The Experi- ence Economy” was published, the authors the other winners have have presented the Expy award to the “Experience Stagers of the Year.” The nine been.” recipients are: Ed Goodman, co-owner 1999 - American Girl Place 2000 - Geek Squad TST Inc. Consulting Engineeers 2001 - Joie de Vivre Hospitality 2002 - The Lego Co. 2003 - Cerritos Library TST, from 3 2004 - Charthouse Learning 2005 - HOK Sport+Venue+Event 2006 - Cereality Tom Hacker, Northern Colorado Business Report 2007 - TST Inc. Consulting Engineers American Girl, Geek Squad ‘EXPY’ WINNERS — Don Taranto, left, president of TST Inc. Consulting Engineers, and partner Ed Goodman out- Pine and Gilmore first awarded the side their Fort Collins offices with the Expy award they brought home from ceremonies in Nashville, Tenn. Expy in 1999 to American Girl Place, the Chicago mecca for devotees, mostly young girls and their mothers, of the education- based line of dolls. Since then, winners have included the Denmark-based Lego Co., makers of the infinitely adaptable plas- tic building blocks, and Geek Squad, the computer-repair business that retail giant Best Buy bought from its founder and that makes comic theater part of its brand. Other recipients are not exactly house- hold names, but have raised their profiles with the Expy award. “I think they (Pine and Gilmore) see that what they need to do is not recognize the biggest company, or the best known, but those who are changing their indus- tries,” Goodman said. Pine, who was the featured speaker at last month’s Bixpo business and industry exposition at The Ranch in Loveland, said prior to his appearance the TST engineeri- um had popped up on his radar before. “They decided to theme their offices around the core elements that they design into engineering projects — plants, water, earth and stone,” Pine said in a Business Report interview. “They guide their clients through the process of engineering their developments through these elements. I asked Ed,‘So, how do you know this works?’ He said they had clients who would pop in with no meetings, just to spend time in the place. That’s how you know they create a great experience.” ‘ThinkAbout’ appearance Pine and Gilmore made the Expy pre- sentation to the “Experience Stager of the Year” on the final day of their annual ThinkAbout program, this year held in Nashville, Tenn. ThinkAbout is a two-day, intensive series of sessions that draws attendees from the upper echelons of the global business world who seek the secrets of the “Experi- ence Economy.” “It’s really an interesting event,” Good- man said. “You’ve got the top people from John Deere is there, along with those from the Ritz-Carlton.” Goodman and Taranto were invited to share the stage with Pine and Gilmore for an extensive interview about how they cre- ate experiences in their workplace. “It was pretty cool,” Goodman said. “They had these director’s chairs with our names on them. It was, well, an experience.” Goodman, as the creative force behind the engineerium, said Taranto often had tried to rein him in during the construc- tion process. “There were times when he thought I had lost my marbles,” Goodman said. “There are still times when he thinks so. Even people in the real estate business, when they came to visit, said, ‘My gosh, Taranto. You’ve absolutely ruined a perfect- ly good building.’”

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getUNWIRED! , Northern Colorado Business Report HEY, BATTER — Doug Odell, as caught by a television camera shortly after snagging Colorado Rockies pitcher Josh Fogg's bat at Coors Field Oct. 1, and at his Lincoln Avenue brewery where the bat was a big hit with Odell Brewing Co. employees.

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Northern Colorado BUSINESS EDITORIAL& REPORT OFFICE 141 S. College Ave., Fort Collins, CO 80524-2810 800-440-3506 • 970-221-5400 Fax: 970-221-5432 COMMENTARY www.ncbr.com C0-PUBLISHERS Jeff Nuttall [email protected]

EDITORIAL Christopher Wood [email protected] A SSOCIATE PUBLISHER Lori Buderus [email protected] NEWS Editor Tom Hacker Watchdogs have [email protected] Managing Editor Kate Hawthorne [email protected]

Reporters roles in uranium Kristen Tatti [email protected]

Steve Porter [email protected] mine plans Research Director Kathleen Chaballa $ [email protected] R esearch Assistant Northern Colorado’s history is hardly rife Kate Hendrickson with examples of real estate developers, manu- [email protected] Copy Editor/Web Editor facturing companies or mining prospectors Noah Guillaume running roughshod over environmental inter- [email protected] ests in pursuit of their goals. MARKETING To the contrary, and for the good of all, Marketing Director Jim Rath plenty of proposals for commercial develop- [email protected] ment that would have meant environmental ADVERTISING degradation have been stopped in their tracks. Advertising Director That is one reason that opponents of the S andy Powell [email protected] Centennial Project, a proposal by Canadian Senior Account Executives mining company Powertech to unearth urani- Lindsay Gilliland um in northwest Weld County, should take [email protected] heart. Before a single pound of the radioactive Account Executives mineral that is the basis of the world’s nuclear Aubrey McCarthy power industry can be taken out of the claim [email protected] site near the small town of Nunn, local, state James Burns [email protected] and federal watchdog agencies have to agree. Mackenzie Rapp The stakes are high, for certain: The global Region’s economic vitality [email protected] uranium market makes it worth the $3 million Timiry Krieger that Powertech will pay over the course of the [email protected] next two years to push its project through the Advertising Assistant permitting process. In fact, if prices remain Suzanne Maestri-Walters easy to take for granted [email protected] steady and yields measure up to what the com- Classified Account Executive pany expects, the mine will bring in more than Ashlan Geer $500 million. [email protected] Lined up in the permit and licensing Some friends of mine recently made the and is finally seeing some new industry. PRODUCTION Production Manager process are layers of federal, state and local trip up Interstate 25 from Boulder, exiting on Northern Colorado, on the other hand, now Ber nie Simon government agencies charged with ensuring Harmony Road in Fort boasts about 513,000 residents, compared with [email protected] that Powertech’s process does not foul the Collins. They marveled about 380,000 a decade ago, and projections Art Director Chad Collins groundwater or the air, or cause other envi- at the amazing amount are for a million or so in the next 30 years or [email protected] of construction that had so. That growth contributes to the new con- ronmental harm. They include: Cre ative Director I The U.S. Environmental Protection occurred since their last struction that we continue to see, in office, James Schlichting Agency, which must issue a special permit cer- venture north, and were retail, industrial and entertainment space. [email protected] very impressed by the Sure, we’ll have a setback now and then, ADMINISTRATION tifying that Powertech’s process would comply Accounting with the federal Safe Drinking Water Act construction that’s such as the current woes in the housing mar- Cindy Tyrell before the company can go forward. ongoing today. ket. But, long-term, NoCo will be a vibrant, [email protected] I The Colorado Department of Public Those of us who growing economy that is a sure bet for any- I.T. Director Chris Sullivan Health and Environment, with two separate track upcoming pro- PUBLISHER’S one wanting to do business. [email protected] requirements that Powertech must meet — jects, such as Grand Sta- New industries, such as Vestas Wind Sys- CIRCULATION one to protect air and groundwater quality tion, Harmony, etc., NOTEBOOK tems A/S and AVA Solar Inc. will add many C irculation Manager Rhonda Doyle and another licensing process that governs should be equally Christopher Wood jobs — almost a thousand between those two [email protected] handling of radioactive materials. impressed, if only we take clean-energy companies alone. And the Circulation Consultant I Colorado’s Natural Resources Depart- the time to notice. Northern Colorado Economic Development Joe Chafey ment, through its Division of Reclamation, Think about it — billions of dollars in Corp. and Upstate Colorado Economic [email protected] CONTRIBUTING WRITERS & PHOTOGRAPHERS Mining and Safety, which will oversee the projects that show no sign of letting up. But, Development are targeting other “clusters” Donna Beaman, Jessica Centers, licensing process and, if approved, the opera- often, we in Northern Colorado take our that will capitalize on strengths we already Kate Hendrickson, Luanne Kadlub, Peter Kent. tion of Powertech’s mine. level of growth for granted. Sure, we’ve have. Ditto for Colorado State University, Brooks Mitchell For article reprints, please contact our Reprint A crucial feature of the review process is passed half a million in population. Sure, whose targeted “superclusters” will add to the Coordinator at Wright’s Reprints – 1-877-652- that it is transparent. Documents that detail buildings sprout along I-25 like corn stalks in economic well-being of Larimer and Weld 5295. the engineering studies required for permit- an “ethanol field.” And what’s a new hospital, counties, and beyond. ting are freely available to the public, including office building, hotel or industrial building So, rather than take our region and its mine opponents and their expert advisers. here and there? growth for granted, let’s take some time to As the Business Report wrote in a previous It all happens incrementally, making it appreciate what we’ve got, and to stand ready editorial on this subject, time is on the side of harder for us to notice the magnitude of the to embrace what’s yet to come. those who most need assurance that the com- changes being wrought before our eyes. pany’s plan is a safe one. We believe that they And we are fortunate. Macomb, Ill., where Christopher Wood can be reached at 970- should have faith that the two-and-a-half-year I graduated high school, has seen its popula- 221-5400 or via e-mail at [email protected]. license approval process that Powertech must tion drop or stagnate since I left in 1981. It’s Catch his blog, Woody’s World, at pursue will be thorough and fair. only recently passed 20,000 residents again, www.ncbr.com. Sept. 28-Oct. 11, 2007 | www.businessreportdaily.com The Northern Colorado Business Report | 45 LETTERS TO THE EDITOR NCBR poll watch The ‘in’ box is open What option would you most like to add to your vehicle? will do more than get you in the Sound system know about Northern Write the Northern Colorado Business Report 44% to comment on our content or to raise issues of Colorado— When you subscribe interest to the business community. DVD system Heated seats, mirrors and windshield Letters must be limited to 300 words. Longer to the leader in business 7% 18% guest opinions may be considered upon request. coverage you’ll also receive a Please include address and telephone numbers so Navigation system Sun/moon roof that we can verify your submission. The Business Report reserves the right to edit 26% 4% for length, and to reject letters that are potential- These results reflect responses to the online poll at www.ncbr.com Sept. 24 through Oct. 8. ly libelous. Next question: How does the Internet contribute to your business? E-mail letters to Tom Hacker, Answer now at www.ncbr.com. Responses will be accepted through Oct. 22. $50.00 [email protected] or submit comments through our Web site, www.ncbr.com. Snail mail to 141 S. gift certificate to the College Ave., Fort Collins, CO 80524. and in the strength and dignity of her strug- there is a contract stating what happens to gle against cancer. the domain and site files if a dispute should Patrick Brady occur. Fort Collins Another good practice is to gain FTP Linda W. Norton, 1949-2007 access to your own site files, download (Business Report Daily, Sept. 24, 2007) ‘Fifth proposal’ ready for evaluation them, and keep a backup on hand. This T here are very few people that you tie to (Business Report Daily, Oct. 3, 2007) raises another question of “Is my site being so many memories. Linda Norton was one The state has no right to dictate the backed up properly in case of server fail- Hidden away on Canyon Ave. of the most exceptional individuals I have terms of my health care or require me to ure?” known. Her heart, her voice and her com- have health care at all. It is time to get back Zach Curtis in Old Town Fort Collins mitment to people was so inspiring. She is to the free market and the free country and Greeley one of those people that will leave a huge repeal all the already present government hole in this community and the lives of the interventions that are eliminating freedom Uranium interest heats up people who loved her. and competition in health care. Commu- (NCBR, Sept. 28-Oct. 11, 2007) J Yes! I want the 3-year I hope we all use the skills and passion nism, Socialism and the Nanny State have she shared and use it in our lives. She would been shown as complete failures and our Editor’s note: NCBR Editor Tom Hacker subscription offer (78 issues) at like that. emulation of them can only lead to the appears every Thursday morning on KUNC $129.97. Upon receipt of Kathay Rennels, Commissioner same disastrous results. 91.5 -FM during National Public Radio’s Larimer County Bil l Faulkner Morning Edition. His past commentaries can payment I will receive a gift Broomfield be heard in podcast form at www.ncbr.com, We all need “personalities” in our lives. where the following exchange was posted. certificate for dining at the Linda was one of those for many of us in A cautionary tale of domain name control Canyon Chop House the real estate and nonprofit communities. (NCBR, “Geek News,” Sept. 14-27, 2007) Nuclear power is not “very nearly emis- From her Jersey attitude, to her stories of As a Web developer we see this constant- sion free” as Tom Hacker stated in his owning a bar to her billiards exploits, no ly with other companies that use the “hold KUNC commentary (Oct. 4, 2007). Mining Name one had more stories to tell than Linda. Her hostage” effect with their clients. It’s always and refining uranium is extremely energy singing was phenomenal and her personal- favorable to have the client register the intensive and requires large amounts of ity true to life. With Linda, what you saw Title domain, then give the developer limited conventional coal-fired electricity and and heard was what you got. We will miss access to the DNS information. I would rec- petroleum imports. We have no idea how her! ommend asking around and make sure much energy will be required to safely Company Linda had many lessons to teach in life See LETTERS, 49 Address Corn crop for food and fuel possible City/State/Zip Phone There has been a great deal of hand- for corn, thus corn prices have risen lately ethanol, is causing good things to happen wringing lately about the price of food to about a dollar a bushel more than last in rural Colorado and across the country. Email now that Colorado and the nation are year. Strangely, however, some folks in the Ethanol plants create much-needed rural turning to agricultur- media are reporting that the prices for jobs and have brought profitability back to Payment method al commodities, pri- food will begin rising and forcing con- agriculture. marily corn, to fill sumers to choose between food and gaso- It’s true that higher corn prices are J Check J MasterCard J Visa J Am Express part of our demand line for their cars. Let’s put some perspec- making it more difficult for meat, milk and Card# Exp. for liquid fuel. tive on that claim. poultry producers. But some of the major There is a kernel of In a 12-ounce box of corn flakes that markets for those commodities are over- Signature Date truth to these fears, costs a little over $2, there is a whopping seas, and some of those markets have been but not much more 4.4 cents worth of corn. The balance of shut out to American producers for con- than just that. what the consumer pays goes for labor, trived and anti-competitive purposes. We Mail or Fax form to: Ethanol produc- packaging, transportation, merchandizing, need to help reestablish those foreign mar- Northern Colorado Business Report tion from corn has interest and, of course, profit. The farmer kets, not reduce the price of their primary POST OFFICE BOX 1399, FORT COLLINS, CO. 80522 GUEST ph: 970.221.5400 fax: 970.221.5432 been on the increase COLUMN that raised the corn is receiving about one- feed source. for several years as a half percent of the cost of the finished According to the Food and Agriculture John Stulp Prepaid orders only. We accept payment by check, means to increase the product. Policy Research Institute, food prices have money order, Visa, MasterCard or American Express. combustibility of gaso- Across the board, farmers and ranchers not increased more than 0.2 percent in the line. More complete combustion of gas get about 19 cents out of every dollar a last two years and will not increase as One year = 26 issues subscription rate $49.97 helps clean our air and extends fuel sup- consumer spends on food, and that’s much as 1 percent well into the next Three years=78 issues subscription rate $129.97 plies by about 10 percent in unleaded something that all consumers should come decade. gasoline. Many vehicle manufacturers are to appreciate. So if you read or hear that producing now turning out cars and light duty The United States has one of the most biofuels to offset our demand for foreign

Hospital trucks that can burn up to 85 percent affordable and abundant food supplies in oil is sending food costs through the ceil- spy wars NEWS ‘Competitive intelligence:’ Oak Street gets $ 1 Let’s get to funky features 4-10, 2005 know one Feb another ethanol, resulting in even cleaner air and the world. Consumers spend less than 10 ing, don’t swallow it. . 10, No. 10 Fort Collins plaza Vol goes with whimsy ww.ncbr.com Page 10 in new design w Page 2 far less dependence on foreign oil for percent of their income on food, leaving Business unusual: Non-profits go retail in ventures to prop up shrinking donations Page 5 gasoline. more for discretionary purchases and John Stulp is a rancher and farmer from t the new o star Bankers apply for new charter inBankF.C. of the West t SPECIAL e said a commitment and bank. H ould o the community w REPORTS y First duo to lead start-up close tie t llins risten S. Bastian Ex-Communit dation of Fort Co K the be the foun [email protected] San Francisco-based Bank of Commerce Bank. pany BancWest tuni- The increased demand for ethanol has other household needs. Prowers County and currently serves as Col- merce Bank. West’s parent com “There is tremendous oppor eady or o be a local bank ired Community -touch, relation- FORT COLLINS — R “This is going t Corporation acqu ty to provide a high d, local investors nc. in a $1.2 bil- xperience to not, Fort Collins is getting another with a local boar First Bankshares I ship-based banking e anch, but a new ” Nalezny said. oncluded in s,” Kross said. bank. Not just a br and local decisions, lion transaction that c eople in Fort Collin e a broad-based nsition from p gral part of te charter. The intent is to hav vember. The tra intend to be an inte sta rd Nalezny “ ” No “We e nking veteran Gera l investment group. unity First National Bank unity and that means w created an attendant increase in demand Increased production of biofuels, like orado agriculture commissioner. Ba b th loca Nalezny’s Comm ed in this comm This is the antithesis of e our loan decisions her

46 | The Northern Colorado Business Report www.ncbr.com | Oct. 12-25, 2007 Responsibility unlocks door to homeownership

stated; 32 percent of those counted here circumstances aren’t right. opportunity to develop a level of trust, the A look at subprime aren’t counted by other states. Additionally, understanding the bor- customer will know the bank understands The key word is “responsible.” Responsi- rower and assessing his or her long-term the situation and is giving the information lending, foreclosure ble borrowers (even with poor credit needs and capabilities is a must. Banks and advice that is in everyone’s best inter- scores) have enjoyed the huge advantages have an advantage since they offer a wide est. ‘crisis’ in Colorado of homeownership and credit access, and array of financial products. Banks know Lenders that serve wise borrowers well responsible lenders have been very success- their customers by providing them check- are those with diversity — in products, The subprime market has led to a mess. ful even throughout tumultuous times. ing and savings accounts, credit and debit sources of income, kinds of loans. These How do we fix it? cards, car loans, student loans, business institutions know they depend on public Surprisingly, many What are they doing right? loans, 401(k)s and other services. trust and they’re committed to earning it lenders have fared The solution that resonates is that the So when the time comes to purchase a in order for their business to thrive. well during this “cri- lending process takes responsibility. Both house, a bank has a much broader under- Understanding the community is a huge sis.” So instead of regulated lenders (those with “bank” in standing of when circumstances are right advantage. Borrowers should look to focusing on the prob- their name and that provide checking and for a customer to buy, and they’re vested in lenders who take a vested interest in devel- lem, focus on what savings accounts) and non-regulated the customer’s financial health. Others oping the communities we live in. The these lenders have lenders (nonbanks such as mortgage bro- don’t have a stake in the customer beyond Colorado banking industry champions done right to avoid kers, companies that only do mortgage selling one product. local communities by donating close to the problem, and lending and can’t offer savings/checking Responsible lenders have far less expo- $50 million per year to community devel- look for the solution accounts) have enjoyed success when lend- sure on subprime lending and foreclosures, opment projects and nonprofits that help there. GUEST ing responsibly. The successful lenders inte- and they have a stake in the customer’s improve our neighborhoods. This also In summary, the COLUMN grate relationship building, trust and deep financial health. helps the specific bank grasp a better problem is not sub- understanding of who the customer is. understanding of their customers. Don Childears prime lending. Respon- In Colorado, the regulated banking Responsible borrowers needed These are the characteristics of those sible subprime lending industry has fared the best of all lenders. It also takes responsible borrowers to lenders who have stayed successful through has been a huge asset to Foreclosure studies show that 77 percent of make sure they have found a responsible this tough housing market. Borrowers countless responsible borrowers by intro- all foreclosures in Colorado come from lender. One hallmark of a responsible should look for a financial institution that ducing them to the American dream of nonbank lenders — even when banks loan lender is practical consumer advice. Many embodies these qualities. In short, to homeownership (now at 70 percent of the 58 percent of the funds. Loan delinquen- banks offer their own advice, but a broad become a responsible borrower, find a population). High levels of responsible cies for banks are low; currently they’re a generic source is www.financialinfo.org. It responsible lender, build a broad relation- homeownership improve our communities fraction of 1 percent of all loans, a healthy covers many financial topics from identity ship, trust their expert advice and you’ll and individual wealth, and strengthen both statistic. theft to avoiding predatory lending prac- avoid the problems too many good people micro- and macro-economies. Responsible lenders embrace rigid lend- tices, and recently added tips for distressed are experiencing today. High levels of foreclosures do the oppo- ing standards that are actual regulations homeowners in foreclosure. site. Foreclosures in Colorado are a prob- within the banking industry. These regula- Borrowers should take advantage of Don Childears is president and CEO of lem, but not to the No. 1 status in recent tions help protect both the borrower and developing a relationship for this exact the Colorado Bankers Association, based in headlines. Colorado’s foreclosures are over- the bank from lending to a customer when purpose. If a borrower gives a lender the Denver. Brainiac Bowl ‘07

Thanks to our DaVinci, Franklin, Newton & Madame Curie sponsors... WAY TO GO BRAINIACS! Discovery Science Center would like to thank you for making this year’s Brainiac Bowl a smashing success! Thanks to our Galileo and Einstein sponsors...

Thanks to our corporate supporting sponsors... Bill Trewartha Fort Collins Marriott Capital West Bank New Frontier Bank Chippers Lanes Sinnett Builders Corcoran Company Village Optical Tom Dougherty Wells Fargo Bank Dunn Henritze & Diehl visit www.dcsm.org or call 472.3996 for more information or to register your team for next year’s 2008 Brainiac Bowl Oct. 12-25, 2007 | www.businessreportdaily.com The Northern Colorado Business Report | 47 New BBB brand: Look has changed, values remain Accredited businesses replace members in ‘Start With Trust’ push

It’s a brand new day at your Better Business Bureau — a new look, a fresh message and the introduction of BBB Accredited Businesses. What hasn’t changed is BBB’s commitment to form look and feel that will help guide advancing trust in the consumers through the site, providing
    marketplace. them the information they want and an   “Start With Trust” assurance that they are starting with trust.        is our new tagline, The redesigned site is faster with direct one that embraces access to other BBBs’ information through everything that BBB a new global site search process. This tool, Join stands for, and one GUEST in addition to BBB local directories and that is especially COLUMN accredited business malls, helps consumers important in today’s find BBB Accredited Businesses in their constantly changing Pam King area.  !" # world. With such  $ #%! &'&( change, it is imperative BBB Principles for Trust

     
  that your BBB remain in touch with the These are exciting times for your BBB pulse of both businesses and consumers in and all of our BBB Accredited Businesses. a highly competitive market. Though much has changed, our core prin- Why start with BBB? We are seasoned. ciples have not. Every BBB Accredited No one has been in this game longer than Business makes a commitment to act in
  BBB, now in its 95th year. We have a spe- accordance with BBB principles that $39 includes lunch — Tickets available at the Resource Center or by cific energy and passion for advancing a advance trust in the marketplace. phone 970.482.4387 ext. 303; 2908 S. Timberline Rd., Ft. Collins marketplace where buyers and sellers can I Start with trust — Establish and [email protected] trust each other. maintain a positive track record in the Today’s savvy consumers are looking marketplace. for control, security and confidence in I Advertise honestly — Adhere to their choices, and they know the impor- established standards of advertising and tance of doing business with a company selling. that has made a public commitment to I Tell the truth — Reveal all related doing what is right. Evaluating trust is cer- conditions or exceptions regarding prod- tainly one of the first steps in the purchas- ucts or services offered. ing process. I Be transparent — Openly identify BBB’s “Start With Trust” campaign the nature, location and ownership of the reminds consumers that there are measur- business, and clearly disclose all policies, able standards for trust in the marketplace guarantees and procedures that bear on a — high ones, in fact, reflected in our BBB customer’s decision to buy. Standards outlined below. I Honor promises — Abide by all One of many exciting changes to our written and verbal agreements. brand is the BBB Seal Program. “BBB I Be responsive — Address market- Members” are now identified as “BBB place disputes quickly, respectfully, and Accredited Businesses.” The reason for the reasonably. change is significant. I Embody integrity — Approach all In the face of record-breaking levels of business dealings, marketplace transac- complaints handling by BBB, independent tions and commitments with integrity. research conducted this year by Princeton Ultimately, people want to be assured Survey Research Associates International about the companies they do business on behalf of BBB found that 41 percent of with and are interested in the company’s American adult consumers didn’t know character. They want to be certain about that BBB accepts only those businesses the honesty and integrity of a company, that meet and maintain high standards. and they want to know that business will The Princeton Research survey also be conducted to the highest of standards. found that seven in 10 consumers said Consumers are also interested in the they are more likely to buy from a compa- track record of the company, what BBB ny designated a “BBB Accredited Business,” defines as competence — that the compa- and felt accreditation is a clearer represen- ny delivers on its promises, and if mistakes tation of what businesses and charities are made, that the company takes appro- have achieved and what they stand for. priate actions to address the issues. And the new BBB logo and tagline “Start We see the Principles of Trust as a call With Trust” is a reminder to consumers to action: Action that is character- and that when they start with a BBB business, competency-based is demanded by today’s they can be confident they are starting with consumers. a foundation of trust. BBB is the seasoned independent expert on marketplace trust as Pamela King is president/CEO of BBB our services rely on fair-mindedness and serving Northern Colorado and East Central neutrality instead of subjectivity. Wyoming. The first BBB was founded in One of the most exciting innovations 1912. Today, 128 BBBs serve communities BBB is delivering as part of its new brand- across the United States and Canada, evalu- ing initiative is the redesign of our Web ating and monitoring more than 3 million site, bbb.org. We have adopted a more uni- local and national businesses and charities.

48 | The Northern Colorado Business Report www.ncbr.com | Oct. 12-25, 2007 LEADS INVENTIONS • BANKRUPTCIES BANKRUPTCIES PETITIONER: BENJAMIN EDWARD WINGSTROM, PETITIONER: MICHAEL JOSEPH BEALER, 12060 INVENTIONS Oliver, Fort Collins, Colo. Assignee-at-Issue: Avago 2426 PELICAN LANE, EVANS, CO 80620. CASE NO.: LEYDEN COURT, BRIGHTON, CO 80602. CASE NO.: Technologies General IP Pte. Ltd, Singapore, Sin- 2007-19144. DATE: 8/17/07. TYPE: 7. 2007-19395. DATE: 8/23/07. TYPE: 13. Applications for bankruptcy protection are filed INDEX The U.S. Patent & Trademark Office recently gapore. Date: 10/25/07. with the U.S. Bankruptcy Court in Denver. Chapter 7 PETITIONER: MIRNA PATRICIA RIZO, 3321 COYOTE PETITIONER: MIKE LIVENGOOD, 40501 WELD COUN- awarded the following patents to Northern Col- denotes filings made for liquidation. Chapter 11 indi- orado inventors and companies. Included are the Patent No.: 7275122, Method and system for LANE, EVANS, CO 80620. CASE NO.: 2007-19371. DATE: TY ROAD 113, NEW RAYMER, CO 80742. CASE NO.: maintaining a desired service level for a proces- cates filings for reorganization. Chapter 13 indi- 8/23/07. TYPE: 7. 2007-19233. DATE: 8/21/07. TYPE: 13. patent number, description, inventors, assignee- cates filings that enable petitioners to pay off their at-issue and date awarded. Numbers preceded by sor receiving excessive interrupts. Inventors: INVENTIONS ...... 48 Wright, Randall F., Fort Collins, Colo.; Hoemann, creditors over three to five years. PETITIONER: EVA LILIA MIGUEL, 3029 SUNSET PETITIONER: SHEILA KAY MILLER, P.O. BOX 1192, a “D” were awarded for a design; “RE” indicates a reissue. Jerry A., Fort Collins, Colo. Assignee-at-Issue: BANKRUPTCIES ...... 48 DRIVE, EVANS, CO 80620. CASE NO.: 2007-19374. DATE: AULT, CO 80610. CASE NO.: 2007-19998. DATE: 9/6/07. Hewlett-Packard Development Co., L.P., Houston, LARIMER COUNTY 8/23/07. TYPE: 7. TYPE: 13. FORECLOSURES...... 48 Patent No.: 7273386, Pin shroud. Inventors: Texas. Date: 10/25/07. PETITIONER: NATHAN K. ANGELO, 6008 WELD PETITIONER: KELLY M. WORK, 308 LUCCA DRIVE, PETITIONER: MATTHEW JASON DOMINGUEZ, 295 Olson, Richard E., Rindge, N.H.; Quinn, Jill H., COUNTY ROAD 54E, BELLVUE, CO 80512. CASE NO.: Atkinson, N.H.; Fraker, Stacy A., Allen, Texas; Patent No.: 7275230, Methods to gather and TAX LIENS ...... 53 EVANS, CO 80620. CASE NO.: 2007-19388. DATE: N. NINTH AVE., BRIGHTON, CO 80601. CASE NO.: 2007- display pin congestion statistics using graphical 2007-19268. DATE: 8/21/07. TYPE: 7. 8/23/07. TYPE: 7. 19596. DATE: 8/29/07. TYPE: 7. Deeney, Jeffrey L., Fort Collins, Colo.; Dutson, Joseph D., Hyde Park, Utah Assignee-at-Issue: user interface. Inventors: Gentry, Jason Todd, CIVIL JUDGMENTS...... 54 Wellington, Colo.; Benzel, Jack Douglas, Loveland, PETITIONER: MELISSA R. NOAH, 2131 WELD COUNTY PETITIONER: DAVID WILLIAM FUEHRER, 334 PON- PETITIONER: FRANK DELEON III, 312 MILLER AVE., Hewlett-Packard Development Co., L.P., Houston, ROAD 38E, FORT COLLINS, CO 80526. CASE NO.: 2007- Texas. Date: 10/25/07. Colo. Assignee-at-Issue: Avago Technologies Gen- DEROSA PLACE, FORT LUPTON, CO 80621. CASE NO.: BRIGHTON, CO 80601. CASE NO.: 2007-19622. DATE: eral IP Pte. Ltd., Singapore, Singapore. Date: 19098. DATE: 8/16/07. TYPE: 7. 2007-19167. DATE: 8/18/07. TYPE: 7. 8/29/07. TYPE: 7. Patent No.: 7273518, Gas chromatograph sys- 10/25/07. PETITIONER: VERNA FAY POWNELL, 2317 STAN- PETITIONER: JASON RODNEY BARTON, 1020 ROL- tem including an improved inlet sealing mecha- PETITIONER: ANGELA NICHOLE SLEGL, 157 37 PETITIONER: EDWIN COLLINS CRABB, P .O. BOX Patent No.: 7276684, High gain photo cell with FORD ROAD, FORT COLLINS, CO 80525. CASE NO.: LAND MOORE DRIVE, FORT COLLINS, CO 80526. CASE nism. Inventors: Song, Wei-Liang, Loveland, Colo.; WELD COUNTY ROAD 18, FORT LUPTON, CO 80621. 1399, BRIGHTON, CO 80601. CASE NO.: 2007-19862. improved pulsed light operation. Inventor: Misek, 2007-19128. DATE: 8/17/07. TYPE: 7. NO.: 2007-19926. DATE: 9/5/07. TYPE: 7. CASE NO.: 2007-19349. DATE: 8/23/07. TYPE: 7. DATE: 9/4/07. TYPE: 13. Xu, Lee, Loveland, Colo.; He, Guo-Chen, Loveland, Colo. Assignee-at-Issue: Agilent Technologies Inc., Brian James, Fort Collins, Colo. Assignee-at-Issue: Avago Technologies General IP Pte Ltd., Singa- PETITIONER: WENDY C. WAYKER, P.O. BOX 453, PETITIONER: JESSICA LYNNE RYAN, 8232 MEDI- Santa Clara, Calif. Date: 10/25/07. PETITIONER: OMAR R. GARZA, P.O. BOX 464, PETITIONER: RONALD DAVID WAGNER, 420 N. 16TH pore, Singapore. Date: 10/2/07. FORT COLLINS, CO 80522. CASE NO.: 2007-19265. CINE BOW CIRCLE, FORT COLLINS, CO 80528. CASE GILCREST, CO 80623. CASE NO.: 2007-19251. DATE: AVE., BRIGHTON, CO 80601. CASE NO.: 2007-20004. DATE: 8/21/07. TYPE: 7. NO.: 2007-19937. DATE: 9/5/07. TYPE: 7. 8/21/07. TYPE: 7. DATE: 9/6/07. TYPE: 13. Patent No.: 7273607, Health enhancement method. Inventors: Schakel, deceased, Karl Walter, Patent No.: 7276952, Clock signal generation using digital frequency synthesizer. Inventors: PETITIONER: TOD ALAN FRANKLIN, 4545 PETITIONER: EUGENE DELEN MERICLE, 3019 Fort Collins, Colo.; Schakel, legal representative, PETITIONER: JAMES FREDRICK KOTTWITZ, 950 PETITIONER: JANICE LEE GODDARD, 47 S. FOURTH Desai, Jayen J., Wellington, Colo.; Naffziger, WHEATON DRIVE, UNIT C110, FORT COLLINS, CO 80525. NINEBARK DRIVE, FORT COLLINS, CO 80528. CASE NO.: Karl G., Fort Collins, Colo. Date: 10/25/07. 52ND AVENUE COURT, GREELEY, CO 80634. CASE NO.: AVE., BRIGHTON, CO 80601. CASE NO.: 2007-20024. Samuel D., Fort Collins, Colo. Assignee-at-Issue: CASE NO.: 2007-19281. DATE: 8/21/07. TYPE: 7. 2007-19952. DATE: 9/6/07. TYPE: 13. 2007-19067. DATE: 8/16/07. TYPE: 7. DATE: 9/7/07. TYPE: 7. Patent No.: 7273689, Method to remove Hewlett-Packard Development Co., L.P., Houston, Texas. Date: 10/2/07. PETITIONER: WILLIAM ANDREW WEBSTER, 1454 PETITIONER: GREG EDWARD WIGGALL, 808 PETITIONER: HERMENEGILDO FLORES, 3817 W. PETITIONER: JOHN ALBERT DEHERRERA, 5882 E. unwanted, unexposed, positive-working, IR radia- SIOUX BLVD., FORT COLLINS, CO 80526. CASE NO.: PARKVIEW DRIVE, FORT COLLINS, CO 80525. CASE NO.: tion sensitive layer. Inventors: Wieland, Kevin, EIGHTH ST., GREELEY, CO 80634. CASE NO.: 2007- WELD COUNTY ROAD 74, CARR, CO 80612. CASE NO.: Patent No.: 7277518, Low-jitter charge-pump 2007-19356. DATE: 8/23/07. TYPE: 7. 2007-19974. DATE: 9/6/07. TYPE: 7. 19068. DATE: 8/16/07. TYPE: 7. 2007-19809. DATE: 8/31/07. TYPE: 7. Greeley, Colo.; Ray, Kevin Barry, Fort Collins, Colo.; Shimazu, Ken-ichi, Briarcliff Manor, N.Y.; Huang, phase-locked loop. Inventors: Loke, Alvin Leng Sun, Fort Collins, Colo.; Barnes, James Oliver, Fort PETITIONER: STACEY ANNE KAHLE, 1607 PRESTON PETITIONER: DIANNA K. CONVEY, 2618 BROOK- Jianbing, Trumbull, Conn. Assignee-at-Issue: East- PETITIONER: STEVEN PAUL HUBBARD, 4603 PETITIONER: MICHAEL LEE ELLIOTT, 139 GLENN Collins, Colo.; Barnes, Robert Keith, Fort Collins, TRAIL, FORT COLLINS, CO 80525. CASE NO.: 2007- WOOD, FORT COLLINS, CO 80525. CASE NO.: 2007- man Kodak Co., Rochester, N.Y. Date: 10/25/07. GRAND CANYON DRIVE, GREELEY, CO 80634. CASE AYRE, DACONO, CO 80514. CASE NO.: 2007-19832. Colo.; Oshima, Michael M., Los Altos, Calif.; 19375. DATE: 8/23/07. TYPE: 7. 20035. DATE: 9/7/07. TYPE: 7. NO.: 2007-19150. DATE: 8/17/07. TYPE: 7. DATE: 8/31/07. TYPE: 7. Patent No.: 7274186, Temperature compensated Kennedy, Ronald Ray, Fort Collins, Colo.; Moore, Charles E., Loveland, Colo. Assignee-at-Issue: PETITIONER: CHEYENA HOUSTON KLEINHAUS, PETITIONER: JOHN RAY LAUBACH, 375 DEADMAN and self-calibrated current sensor. Inventors: PETITIONER: BRENNEN JAMES HENRY, 1302 39TH PETITIONER: JUAN JOSE GONZALEZ, 3223 SAN Avago Technologies General IP Pte. Ltd., Singa- 1228 MAPU ST., FORT COLLINS, CO 80521. CASE NO.: HILL LOOP, LIVERMORE, CO 80536. CASE NO.: 2007- Yakymyshyn, Christopher Paul, Seminole, Fla.; AVE., GREELEY, CO 80634. CASE NO.: 2007-19151. DATE: MARINO AVE., EVANS, CO 80620. CASE NO.: 2007- pore, Singapore. Date: 10/2/07. 2007-19376. DATE: 8/23/07. TYPE: 7. 19927. DATE: 9/5/07. TYPE: 7. 8/17/07. TYPE: 7. 19647. DATE: 8/29/07. TYPE: 7. Brubaker, Michael Allen, Loveland, Colo.; Yakymyshyn, Pamela Jane, Seminole, Fla. PETITIONER: PETER J. LOPEZ, 3131 PLACER ST., PETITIONER: LAURA BOLESTA THOMAS, 1748 RHY- PETITIONER: OCTAVIO ANDAZOLA, 1331 THIRD AVE., PETITIONER: ESTELLA ISABEL ESPARZA, 3738 Assignee-at-Issue: FieldMetrics Inc., Seminole, Fla. FORT COLLINS, CO 80526. CASE NO.: 2007-19405. OLITE ST., LOVELAND, CO 80537. CASE NO.: 2007- GREELEY, CO 80631. CASE NO.: 2007-19153. DATE: BELMONT AVE., EVANS, CO 80620. CASE NO.: 2007- Date: 10/25/07. DATE: 8/24/07. TYPE: 7. 19664. DATE: 8/30/07. TYPE: 7. 8/17/07. TYPE: 7. 19800. DATE: 8/31/07. TYPE: 7. Patent No.: 7274285, System and method for PETITIONER: JAY ALLEN HARWICK, 1707 PETITIONER: FRANCES ROMERO, 4939 LUCERNE PETITIONER: ALFRED R. RAMOS, 2842 40TH AVE., PETITIONER: GABRIALA IVON ALONZO, 3738 BEL- improved object identification. Inventors: Chalon- CHEYENNE AVE., APT. 9, LOVELAND, CO 80538. CASE AVE., LOVELAND, CO 80538. CASE NO.: 2007-19712. GREELEY, CO 80634. CASE NO.: 2007-19166. DATE: MONT AVE., EVANS, CO 80620. CASE NO.: 2007-20044. er, Michael J., Newport, United Kingdom; Gardner NO.: 2007-19003. DATE: 8/15/07. TYPE: 7. DATE: 8/30/07. TYPE: 7. 8/18/07. TYPE: 7. DATE: 9/7/07. TYPE: 7. Jr., Richard Lynn, Greeley, Colo.; Coffin, Paul C., Fort Collins, Colo. Assignee-at-Issue: Hewlett- PETITIONER: BUDDY WILLIAM OSBORNE, 915 BAY- PETITIONER: SHEILA L. WILLIAMS, 4481 SUNRIDGE PETITIONER: BRANDY JO GUTIERREZ, 1538 10TH PETITIONER: DARYL E. WILSON, 3910 MOUNTAIN Packard Development Co., L.P., Houston, Texas. BERRY DRIVE, LOVELAND, CO 80538. CASE NO.: 2007- DRIVE, LOVELAND, CO 80538. CASE NO.: 2007-19734. AVE., GREELEY, CO 80631. CASE NO.: 2007-19186. DATE: VIEW DRIVE, EVANS, CO 80620. CASE NO.: 2007- Date: 10/25/07. 19135. DATE: 8/17/07. TYPE: 7. DATE: 8/31/07. TYPE: 7. 8/20/07. TYPE: 7. 20045. DATE: 9/7/07. TYPE: 7. Patent No.: 7274764, Phase detector system PETITIONER: JAMES W. BIRKY, 3738 FLETCHER ST., PETITIONER: RAYMOND M. NASSIF, 4120 STRING- PETITIONER: RONALD F. HIRSCH, 7 07 E. 20TH ST., PETITIONER: TIMOTHY CHARLES COLBURN, 10653 with asynchronous output override. Inventors: LOVELAND, CO 80538. CASE NO.: 2007-19225. DATE: TOWN DRIVE, LOVELAND, CO 80538. CASE NO.: 2007- GREELEY, CO 80631. CASE NO.: 2007-19218. DATE: BARRON CIRCLE, FIRESTONE, CO 80504. CASE NO.: Loke, Alvin Leng Sun, Fort Collins, Colo.; Barnes, 8/20/07. TYPE: 7. 19766. DATE: 8/31/07. TYPE: 7. 8/20/07. TYPE: 7. 2007-19950. DATE: 9/5/07. TYPE: 7. Robert Keith, Fort Collins, Colo.; Barnes, James

PETITIONER: MARTIN C. GWIN, 672 EAGLE DRIVE, PETITIONER: STEVEN ALLEN TOLAND, 1367 N. WIL- PETITIONER: AMY MACDONALD BENTON, 1128 PETITIONER: SANDRA ELIZABETH MYRE, 7395 LOVELAND, CO 80537. CASE NO.: 2007-19239. DATE: SON AVE., APT. G105, LOVELAND, CO 80537. CASE NO.: 16TH ST., GREELEY, CO 80631. CASE NO.: 2007-19250. PATRICK AVE., FORT LUPTON, CO 80621. CASE NO.: 8/21/07. TYPE: 7. 2007-19891. DATE: 9/4/07. TYPE: 7. DATE: 8/21/07. TYPE: 7. 2007-19665. DATE: 8/30/07. TYPE: 7. PETITIONER: KIRSTEN ROBIN MCCAYSMITH, 2 BORROWER: MATTHEW A. & KATHY SCHLADET- LOCUST ST., WINDSOR, CO 80550. CASE NO.: 2007- ZKY, 2480 DAWN COURT LOVELAND, CO 80537-6168. PETITIONER: DUANE L. MOST, 2987 YEW DRIVE, PETITIONER: WILLIAM DOUGLAS JONES, 377 PETITIONER: BEAUDRE J. LONTINE, 1804 30TH ST., PETITIONER: KIRK HENRY SCHNEIDER, 344 MAPLE 19918. DATE: 9/5/07. TYPE: 7. LEGAL DESCRIPTION: SOMERSET PK ADD FOURTH SUB; LOVELAND, CO 80538. CASE NO.: 2007-19313. DATE: KNOBCONE DRIVE, NO. 102, LOVELAND, CO 80538. GREELEY, CO 80631. CASE NO.: 2007-19322. DATE: DRIVE, FREDERICK, CO 80530. CASE NO.: 2007-19944. LOT 24 BLK 2. LENDER: WASHINGTON MUTUAL BANK. 8/22/07. TYPE: 7. CASE NO.: 2007-19898. DATE: 9/4/07. TYPE: 7. 8/22/07. TYPE: 7. DATE: 9/5/07. TYPE: 7. AMOUNT DUE: $99748. CASE NO.: 2005-54587. DATE: FORECLOSURES 8/9/07. PETITIONER: CHRISTOPHER LYMON COVALT, 6017 PETITIONER: WAYNE EDWARD STONER, 475 LAVAS- PETITIONER: PHYLLIS ORTIZ, 1203 SECOND ST., PETITIONER: LORIE M. VALENCIA, 1524 12TH AVE., GLADE ROAD, LOVELAND, CO 80538. CASE NO.: 2007- TONE AVE., LOVELAND, CO 80537. CASE NO.: 2007- GREELEY, CO 80631. CASE NO.: 2007-19334. DATE: GREELEY, CO 80631. CASE NO.: 2007-19587. DATE: This section includes notices of election and B ORROWER: PETER V. NAVA, 8 51 THORNHILL PLACE 19396. DATE: 8/23/07. TYPE: 7. 19904. DATE: 9/4/07. TYPE: 13. 8/22/07. TYPE: 7. 8/29/07. TYPE: 7. demand filed by creditors alleging default on a FORT COLLINS, CO 80524-6412. LEGAL DESCRIPTION: debt. Foreclosures are not final until a Public WATERGLEN PUD; LOT 463. LENDER: COUNTRYWIDE PETITIONER: MELISSA RAE PETERSON, 228 21ST PETITIONER: URSULA MONARCHA SEGREE, 5167 PETITIONER: DAVID B. WALLING, 4103 W. NINTH ST., PETITIONER: MARIA C. MEZA, 1905 SIXTH AVE., Trustee’s Deed has been issued. Included are the HOME LOANS INC. AMOUNT DUE: $157223. CASE NO.: ST. SE, LOVELAND, CO 80537. CASE NO.: 2007-19458. HAHNS PEAK DRIVE, NO. 104, LOVELAND, CO 80538. GREELEY, CO 80634. CASE NO.: 2007-19346. DATE: GREELEY, CO 80631. CASE NO.: 2007-19653. DATE: borrower, property address, lender, amount and 2003-121450. DATE: 8/9/07. DATE: 8/26/07. TYPE: 7. CASE NO.: 2007-19914. DATE: 9/5/07. TYPE: 7. 8/23/07. TYPE: 7. 8/30/07. TYPE: 7. date filed. BORROWER: SCOTT MICHAEL & SHAN P. DAVIS, PETITIONER: RENEE JAUSON HARVEY, P .O. BOX PETITIONER: TONY O. LYNCH, 933 16TH ST. SW, APT. PETITIONER: CAMERON WILLIAM BABCOCK, 313 PETITIONER: MARCOS ORTEGA, 2303 THIRD LARIMER COUNTY 1320 S. LEMAY AVE. FORT COLLINS, CO 80524-3917. 1203, WELLINGTON, CO 80549. CASE NO.: 2007-19072. 1, LOVELAND, CO 80537. CASE NO.: 2007-19942. DATE: 32ND AVE., GREELEY, CO 80631. CASE NO.: 2007-19419. STREET ROAD, GREELEY, CO 80631. CASE NO.: 2007- LEGAL DESCRIPTION: 3007 SECTION 18 T7N-R68W. DATE: 8/16/07. TYPE: 7. 9/5/07. TYPE: 7. DATE: 8/24/07. TYPE: 7. 19674. DATE: 8/30/07. TYPE: 7. BORROWER: JOHN R. PIPE, 6 16 MCKINLEY AVE. LENDER: WORLD SVGS. AMOUNT DUE: $178733. CASE LOVELAND, CO 80537-5457. LEGAL DESCRIPTION: NO.: 2004-78977. DATE: 8/9/07. PETITIONER: WILLIAM M. LANGSTON, 188 WELD PETITIONER: DENNIS GENE BUERGER, 6233 N. PETITIONER: JUAN ROBERTO GARCIA, 2414 W. PETITIONER: PATRICIA SANDATE, 614 26TH AVE., PLEASANT HOME ADD; LOT 4 BLK 1. LENDER: MARK COUNTY ROAD 78, WELLINGTON, CO 80549. CASE NO.: SAINT LOUIS AVE., LOVELAND, CO 80538. CASE NO.: NINTH ST., GREELEY, CO 80634. CASE NO.: 2007-19423. GREELEY, CO 80634. CASE NO.: 2007-19675. DATE: GADBURY. AMOUNT DUE: $92130. CASE NO.: 2006- BORROWER: DEBORAH A. & BRUCE W. HAND, 315 2007-19195. DATE: 8/20/07. TYPE: 7. 2007-19964. DATE: 9/6/07. TYPE: 7. DATE: 8/24/07. TYPE: 7. 8/30/07. TYPE: 7. 44260. DATE: 8/3/07. TURNER AVE. BERTHOUD, CO 80513. LEGAL DESCRIP- TION: HEARTHSTONE TWNHMS SUB; LOT 1. LENDER: PETITIONER: BRANDON SCOTT PELLETIER, 4115 PETITIONER: MICHAEL ROY HUNSINGER, 578 W. PETITIONER: DORENE LAVONNE EMBREE, 210 E.S. PETITIONER: JAMES DARRELL HAGER, 1001 22 BORROWER: CHRIS & SHERRI MANNING, 3865 BANK NEW YORK. AMOUNT DUE: $133667. CASE NO.: ALDER COURT, LOVELAND, CO 80538. CASE NO.: 2007- 10TH ST., LOVELAND, CO 80537. CASE NO.: 2007-20014. SECOND ST., JOHNSTOWN, CO 80534. CASE NO.: 2007- AVENUE COURT, GREELEY, CO 80631. CASE NO.: 2007- DOWNIEVILLE ST. LOVELAND, CO 80538-6113. LEGAL 2004-105112. DATE: 8/9/07. 19194. DATE: 8/20/07. TYPE: 13. DATE: 9/7/07. TYPE: 7. 19211. DATE: 8/20/07. TYPE: 7. 19900. DATE: 9/4/07. TYPE: 7. DESCRIPTION: BUCK SECOND SUB; LOT 35 BLK 3. LENDER: BANK AMERICA ABFC 2005HE2. AMOUNT BORROWER: MICHAEL P. LOCK, 212 E. COLORADO PETITIONER: DEBBIE SUE TORREZ, 914 SW 42ND PETITIONER: MARAE T. ENCINIAS, 4285 TRAIL- PETITIONER: DANIEL JOHN JOHANSEN, 608 PETITIONER: VICTOR SEPEDA SR., 4415 S. SHENAN- DUE: $161448. CASE NO.: 2005-14011. DATE: 8/7/07. AVE. BERTHOUD, CO 80513-1457. LEGAL DESCRIPTION: ST., LOVELAND, CO 80537. CASE NO.: 2007-19307. WOOD COURT, LOVELAND, CO 80538. CASE NO.: 2007- ELDER ST., KERSEY, CO 80644. CASE NO.: 2007-19152. DOAH ST., GREELEY, CO 80634. CASE NO.: 2007-19940. MARYS FARM SUB; LOT 14 BLK 5. LENDER: HSBC BANK DATE: 8/22/07. TYPE: 13. 20036. DATE: 9/7/07. TYPE: 7. DATE: 8/17/07. TYPE: 7. DATE: 9/6/07. TYPE: 7. BORROWER: ELIZABETH W. & KENNETH D. SMITH, USA. AMOUNT DUE: $173278. CASE NO.: 2005-56490. 1313 TARRYTON DRIVE FORT COLLINS, CO 80525-3353. DATE: 8/9/07. PETITIONER: STEPHANIE ANNE KIMBREL, 1800 PETITIONER: EARL C. JR. WOOLERY, P.O. BOX 12, PETITIONER: JESUS J. VERGARA, P.O. BOX 128, PETITIONER: BRADLEY KENNETH SORENSON, 1721 LEGAL DESCRIPTION: GOLDEN MEADOWS SECOND FLG; BLUE MOUNTAIN AVE., BERTHOUD, CO 80513. CASE WELLINGTON, CO 80549. CASE NO.: 2007-19643. DATE: LUCERNE, CO 80646. CASE NO.: 2007-19389. DATE: 22ND AVE., GREELEY, CO 80631. CASE NO.: 2007- LOT 23 BLK 4. LENDER: US BANK NA TRUSTEE. BORROWER: MATTHEW J. MILLER, 3568 POLK CIR- NO.: 2007-19703. DATE: 8/30/07. TYPE: 7. 8/29/07. TYPE: 7. 8/23/07. TYPE: 7. 20007. DATE: 9/6/07. TYPE: 7. AMOUNT DUE: $279427. CASE NO.: 2005-10466. DATE: CLE E. WELLINGTON, CO 80549-1682. LEGAL DESCRIP- 8/8/07. TION: VIEWPOINTE; LOT 7 BLK 4. LENDER: AEGIS PETITIONER: PAUL C. HOLGORSEN, 1590 RAVEN PETITIONER: RYAN D. KELLEY, 3 255 MAMMOTH CIR- PETITIONER: TERESA M. WENDT, 3737 HOMESTEAD PETITIONER: MARY JANE QUINTANA, 1001 N. SEC- MORTGAGE CORP. AMOUNT DUE: $142364. CASE NO.: AVE., UNIT C, ESTES PARK, CO 80517. CASE NO.: 2007- CLE, WELLINGTON, CO 80549. CASE NO.: 2007-19681. DRIVE, MEAD, CO 80542. CASE NO.: 2007-19440. DATE: OND ST., JOHNSTOWN, CO 80534. CASE NO.: 2007- B ORROWER: THOMAS MACK & GREGORY ALLEN 2004-115984. DATE: 8/9/07. 19941. DATE: 9/5/07. TYPE: 7. DATE: 8/30/07. TYPE: 7. 8/24/07. TYPE: 7. 19912. DATE: 9/5/07. TYPE: 7. ODOM, 694 8 LOUDON ST. WELLINGTON, CO 80549- 2278. LEGAL DESCRIPTION: MEADOWS; LOT 5 BLK 15. BORROWER: DEBRA J. MILLER, 1802 VALLEY VIEW PETITIONER: JAY DEE FEAGANS, P.O. BOX 2183, WELD COUNTY PETITIONER: JAMES GONZALES, 48886 WELD PETITIONER: CHARLES WAYNE LUELLEN, 47221 E. LENDER: JP MORGAN CHASE BANK TRUSTEE. AMOUNT LANE FORT COLLINS, CO 80524-1834. LEGAL DESCRIP- ESTES PARK, CO 80517. CASE NO.: 2007-19943. DATE: COUNTY ROAD 33, NUNN, CO 80648. CASE NO.: 2007- 152ND AVE., KEENESBURG, CO 80643. CASE NO.: 2007- DUE: $150388. CASE NO.: 2004-98486. DATE: 8/8/07. TION: VALLEYVIEW SUB AMD; LOT 14. LENDER: AMERI- 9/5/07. TYPE: 7. PETITIONER: LENORE A. OCONNER, 67 08 E. 123RD 19338. DATE: 8/22/07. TYPE: 7. 19613. DATE: 8/29/07. TYPE: 7. CAN HOME MORTGAGE SERVICI. AMOUNT DUE: PLACE, BRIGHTON, CO 80602. CASE NO.: 2007-19031. BORROWER: GEORGE P. JR. & JACKALEE J. $127400. CASE NO.: 2005-92407. DATE: 8/10/07. PETITIONER: ANDREW G. PEREZ, 304 SMITH ST., DATE: 8/15/07. TYPE: 7. PETITIONER: ALBERTO ISAIAS LOYA, 314 MARION PETITIONER: JACK L. MATTHEWS, 206 MULLIGAN BROWN, 2918 SOMBRERO LANE FORT COLLINS, CO FORT COLLINS, CO 80524. CASE NO.: 2007-19642. AVE., PLATTEVILLE, CO 80651. CASE NO.: 2007-19155. LAKE DRIVE, MEAD, CO 80542. CASE NO.: 2007-19737. 80525-2462. LEGAL DESCRIPTION: MEADOWS E. SUB BORROWER: THOMAS S. & CILVIA G. RAMIREZ, DATE: 8/29/07. TYPE: 7. PETITIONER: ROLANDO DOMINGUEZ, 100 S. 18TH DATE: 8/17/07. TYPE: 7. DATE: 8/31/07. TYPE: 7. FLG 1; LOT 133. LENDER: BANK NEW YORK TRUST CO. 15 13 W. 13TH ST. LOVELAND, CO 80537-4440. LEGAL AVE., BRIGHTON, CO 80601. CASE NO.: 2007-19101. AMOUNT DUE: $153289. CASE NO.: 2003-158683. DATE: DESCRIPTION: BELLEVUE SUB; LOT 6. LENDER: JPMOR- PETITIONER: RICHARD L. SARGENT, 2124 SUN- DATE: 8/16/07. TYPE: 7. PETITIONER: ASHLEY D. SNYDER, 727 RODGERS PETITIONER: LEONA DARLENE ADLER, P.O. BOX 8/9/07. GAN CHASE BANK. AMOUNT DUE: $22554. CASE NO.: STONE DRIVE, FORT COLLINS, CO 80525. CASE NO.: CIRCLE, PLATTEVILLE, CO 80651. CASE NO.: 2007- 651, MEAD, CO 80542. CASE NO.: 2007-19770. DATE: 1997-55508. DATE: 8/10/07. 2007-19662. DATE: 8/30/07. TYPE: 7. PETITIONER: LINDA KAY CORDLE, 3060 E. BRIDGE 19298. DATE: 8/22/07. TYPE: 7. 8/31/07. TYPE: 7. BORROWER: BEAU K. WICKWIRE, 502 LODGE POLE ST., BRIGHTON, CO 80601. CASE NO.: 2007-19110. DATE: PLACE LOVELAND, CO 80538-2709. LEGAL DESCRIP- BORROWER: KEITH G. & JOYCE A. VORE, 4170 PETITIONER: FRANCIS CLAY LANT, 1205 E. LAUREL, 8/17/07. TYPE: 7. PETITIONER: ANDREW DELBERT ANDERSON, P. . O PETITIONER: ROBERT JAMES PICCOLA, 105 MOUN- TION: DEVERS SUB NO 2; LOT 1 BLK 1. LENDER: BANK HAYES CIRCLE WELLINGTON, CO 80549. LEGAL FORT COLLINS, CO 80524. CASE NO.: 2007-19676. BOX 596, WINDSOR, CO 80550. CASE NO.: 2007-19037. TAIN VIEW DRIVE, MEAD, CO 80542. CASE NO.: 2007- NEW YORK TRUST CO. AMOUNT DUE: $176957. CASE DESCRIPTION: WELLINGTON E. SUB RPLT; LOT 1 BLK 3. DATE: 8/30/07. TYPE: 7. PETITIONER: RODNEY LANE HOLLAND, 14970 CLIN- DATE: 8/15/07. TYPE: 7. 19811. DATE: 9/4/07. TYPE: 7. NO.: 2005-21037. DATE: 8/9/07. LENDER: HSBC MORTGAGE SERVICES INC. AMOUNT TON ST., BRIGHTON, CO 80602. CASE NO.: 2007-19288. DUE: $168973. CASE NO.: 2004-106953. DATE: 8/10/07. PETITIONER: JOHN ROBERT NANCE, 408 CAMINO DATE: 8/21/07. TYPE: 7. PETITIONER: DAVID L. MARTINEZ, 9 13 CONIFER PETITIONER: NATHAN DOUGLAS SCHUPP, 859 B ORROWER: ROBERT M. & MARILYN W. GUMP, 425 DEL MUNDO, FORT COLLINS, CO 80524. CASE NO.: COURT, WINDSOR, CO 80550. CASE NO.: 2007-19329. CLIFFROSE WAY, WINDSOR, CO 80550. CASE NO.: 2007- FLICKER DRIVE FORT COLLINS, CO 80526-2820. LEGAL BORROWER: RONALD L. & JONA M. GABRIEL, 2007-19772. DATE: 8/31/07. TYPE: 7. PETITIONER: KATRINA PACHECO, 2482 KIOWA DATE: 8/22/07. TYPE: 7. 19650. DATE: 8/29/07. TYPE: 7. DESCRIPTION: S. MEADOW LARK HTS; LOT 1 BLK 5. 24 78 STEAMBOAT SPRINGS ST. LOVELAND, CO 80538- DRIVE, BRIGHTON, CO 80601. CASE NO.: 2007-19320. LENDER: COUNTRYWIDE HOME LOANS INC. AMOUNT 1488. LEGAL DESCRIPTION: HARVEST GOLD SECOND PETITIONER: MELANIE A. SCHMIDT, 3019 SUMAC DATE: 8/22/07. TYPE: 7. PETITIONER: DAVID J. JUELSGAARD, 705 LILAC PETITIONER: KARL A. RINNE, 143 SUNFLOWER DUE: $140773. CASE NO.: 2002-42992. DATE: 8/9/07. SUB; LOT 2 BLK 20. LENDER: HSBC BANK USA. ST., FORT COLLINS, CO 80526. CASE NO.: 2007-19849. DRIVE, WINDSOR, CO 80550. CASE NO.: 2007-19343. DRIVE, WINDSOR, CO 80550. CASE NO.: 2007-19668. AMOUNT DUE: $186700. CASE NO.: 2005-22506. DATE: DATE: 9/1/07. TYPE: 13. PETITIONER: YVONNE DANIELE THURTELL, P. O. DATE: 8/23/07. TYPE: 7. DATE: 8/30/07. TYPE: 7. BORROWER: KENNETH W. JR. & KATHRINE A. 8/10/07. BOX 1092, BRIGHTON, CO 80601. CASE NO.: 2007- FORSYTHE, 6145 TILDEN ST. FORT COLLINS, CO PETITIONER: JILL MARIA RIOS, 3413 OREGON 19425. DATE: 8/24/07. TYPE: 7. PETITIONER: MICHELLE A. GLENETSKI, 4371 PETITIONER: OMAR EDGARDO SERRATO, 794 SEC- 80528-7116. LEGAL DESCRIPTION: WESTCHASE PUD; BORROWER: BRANDI L. & TOBIAS L. ACKERMAN, TRAIL, FORT COLLINS, CO 80526. CASE NO.: 2007- HAYSTACK DRIVE, WINDSOR, CO 80550. CASE NO.: OND ST., WINDSOR, CO 80550. CASE NO.: 2007-19892. LOT 30 BLK 4. LENDER: COUNTRYWIDE HOME LOANS 54 SNOWMASS DRIVE LIVERMORE, CO 80536-8705. 19864. DATE: 9/4/07. TYPE: 7. PETITIONER: HEATHER RENEE CARR, 400 ANDREW 2007-19379. DATE: 8/23/07. TYPE: 7. DATE: 9/4/07. TYPE: 7. INC. AMOUNT DUE: $205400. CASE NO.: 2003-123448. LEGAL DESCRIPTION: GLACIER VIEW MEADOWS FLG 8; DRIVE, DACONO, CO 80514. CASE NO.: 2007-19013. DATE: 8/9/07. LOT 87. LENDER: MT BANK. AMOUNT DUE: $200000. DATE: 8/15/07. TYPE: 7. CASE NO.: 2006-86657. DATE: 8/10/07. Oct. 12-25, 2007 | www.businessreportdaily.com The Northern Colorado Business Report | 49 LETTERS TO THE EDITOR INDULGE YOUR APPETITE

LETTERS, from 45 total amount CO2 emitted per KWH of electricity produced is 3.3 grams per KWH. Vattenfall measures its CO2 output from maintain storage sites for nuclear waste natural gas to be 400 grams per KWH and because we have no idea how we are going from coal to be 700 grams per KWH. Thus to do this. nuclear power generated by Vattenfall, Restaurant & Bar Affiliating the renewed calls for which may constitute world’s best practice, increased nuclear power with the environ- emits less than one hundredth the CO2 of mental movement is ridiculously irrespon- fossil-fuel based generation. 406 Main Street Windsor, CO 80550 sible. Any changes in the public debate “In fact Vattenfall finds its nuclear about this issue are more accurately charac- plants to emit less CO2 than any of its other p 970 686 1477 f 303 200 8647 terized as nuclear proponents co-opting the energy production mechanisms including arguments forwarded by activists trying to hydro, wind, solar and biomass although all www.chimneypark.com of these processes emit much less than fos- address climate change. From The Union of make reservations online at www.chimneypark.com Concerned Scientists to the National sil-fuel generation of electricity. “ Resource Defense Council, environmental Even if Vattenfall’s emissions estimate is groups are rejecting nuclear energy as a an order of magnitude too optimistic (or strategy for combating climate change. alternatively they someday manage to 0ROVIDINGLONG LASTING MEANINGFULCHANGEINYOURLIFE
One of the factors that Hacker failed to sequester 90 percent of the CO2 produced mention as a factor driving up the price of from their natural gas or coal plants), the uranium is the massive subsidies that the picture still does not seem as dire as Suther- #ALL  #,5"TOREGISTER federal government has promised to land would have one believe. nuclear power generators. Both nuclear- Br yan Grigsby ENERGIZEDBY#LUB/NE
and fossil-fuel-based electrical power gen- Boulder -ONTHTO-ONTH2ATES eration are rife with non-negotiated eco- WITHNOLONGTERM#ONTRACT
nomic impacts or externalities. Rather than Many of the good people of Fort Collins 4AKEAVIRTUALTOURONOURSITE the government using its authority to are interested in recycling, clean air, bicy- account for these unpaid costs, it is foolish- cling to avoid pollution. The city’s new ly providing an opposite and counterpro- image branding is “where renewal is a way ductive economic incentive. of life.”Many businesses have gone “green.” Gov. Ritter is working to have Colorado be . Suggesting that the environmental qual- 4HEOFFICIALATHLETICPERFORMANCE ANDTRAININGFACILITYFORTHE#OLORADO)#%
ity of Northern Colorado should be com- known as the renewal capital of the United (ARLEY promised as a solution to climate change is States. We are building wind farms and $AVIDSON (OOTERS about the most irresponsible statement to putting on sustainable living fairs. #ROSSROADS "LVD be forwarded by a local journalist in some There is too much to lose if uranium -OTORPLEX

2EMEMBERINHEALTHCARE )  time. mining comes to our area. I can only hope 6IEWSOFTHELOCALLAKESANDMOUNTAINSISJUST YOUDOHAVECHOICES
citizens will reject this potential environ- ONEOFTHETHINGSTHATSETSUSAPARTFROMOTHER

The best way to address climate change 0RECISION$R CLUBS7EALSOOFFERONSITEPHYSICALTHERAPYAND mental, health and economic nightmare 0RECISION$R3UITE will always be conservation, efficiency PATENTPENDINGTRAININGPROGRAMS ,OVELAND#/  improvements and cultural change. and put pressure on state officials to deny Eric Sutherland permits to mine uranium in Northern Col- Fort Collins orado. Even if uranium mining isn’t a biohaz- I certainly have no argument with the ard nightmare, the image of a uranium 6 ( 5 9 , & ( You Deserve final paragraph of Eric Sutherland’s com- mine near here will be a huge turn-off to People You Know | Local Decisions | Experts You Can Trust ment; however, I have a really hard time growth in this area. Who wants to live, go to with the careless and unsupported rhetoric college or do business near a uranium that makes up his first paragraph. mine? Who wants to use radioactive water How would you like business checking While Web research is an iffy matter, I to grow radioactive crops and make that really saves you money? am much more inclined to believe this radioactive beer? Fort Collins’ future We thought so. assessment of CO2 “emissions” from the growth may depend on deep wells to cont- Swedish energy utility, Vattenfall (found at aminated aquifers. Some banks say their business checking is free. Once mining starts, our property values But read the fine print and compare for yourself. Australian Web site nuclearinfo.net): &DSLWDO:HVW “Vattenfall finds that averaged over the will be worthless, so put your house up for ´60$57 entire life cycle of their nuclear plant sale now. %DQN$ %DQN% ´)5((%86,1(66 ´)5((%$6,& %86,1(66&+(&.,1*µ including uranium mining, milling, Sadie &+(&.,1*µ &+(&.,1*µ enrichment, plant construction, operating, Fort Collins First 500 items free decommissioning and waste disposal, the First 100 items free First 175 items free $.50 per item over 100 $.33 per item over 175 $.25 per item over 500 Cost of 500 items per Cost of 500 items per Cost of 500 items per month for one year: month for one year: month for one year:    Now read the rest of our fine print ‡)UHHRQOLQHEDQNLQJ‡)UHHFKHFNLPDJLQJ‡)LYHIUHHFDVKLHUFKHFNVSHU\HDU

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02%6)%7 5#4)/.6 3ATURDAY .OVEMBER !UCTIONTOBEHELDAT SPSP 3HERATON$ENVER7EST 6ACATION/WNERSHIP 5NION"LVD ,AKEWOOD #/ %DUCATIONAL7EBINAR $!4%.OV  4HURSDAY/CT PM-34 4)-%AM 21/,1(%,'',1*$9$,/$%/( 4GPVHQT1YPGT2TQITCOU 5DP¶V+RUQ9LOODJH5HVRUW &RPHWR(VWHV3DUN&RORUDGRDQGH[SHULHQFH RQHRI&RORUDGR¶VILQHVWUHVRUWVQHVWOHGQH[W WRWKHXQSDUDOOHOHGEHDXW\DQGJUDQGHXURI ).0!24.%23()07)4( 5RFN\0RXQWDLQ1DWLRQDO3DUN Diamond Shamrock LVW\HDURI5&, 5HVRUW&RQGRPLQLXPV Harmony School ,QWHUQDWLRQDO PHPEHUVKLSLVIUHH 9LVLWXVRQOLQHIRUPRUH L0RXQWDLQORGJHLQVSLUHGDUFKLWHFWXUDOVW\OH SKRWRVPDSVLQIRUPDWLRQ Rd. Timberline S. E. Harmony Rd. L2ZQDYDFDWLRQKRPHLQDSUHPLHUHGHVWLQDWLRQ DQGGLUHFWLRQV ZLWKRXWWKHH[SHQVHDQGKDVVOHRIIXOORZQHUVKLS 0LOHVWRQH'ULYH‡‡ZZZFZQEDQNFRP L 5HQWIRURZQHUSURJUDPVZLWK\HDUVRIVWHDG\FOLHQWHOH    WWWAJKARASCOMNCBR  RQ7LPEHUOLQH1RUWKRI+DUPRQ\1RUWKRI'LDPRQG6KDPURFN

50 | The Northern Colorado Business Report www.ncbr.com | Oct. 12-25, 2007

LEADS FORECLOSURES

BORROWER: CARL D. & TRACY L. PERISHO, 819 S. BORROWER: KAREN L. IREY, 3012 DOUBLE TREE BORROWER: JOHN A. & SUSAN K. ALDEN, 828 N. TYLER AVE. LOVELAND, CO 80537-6762. LEGAL DRIVE FORT COLLINS, CO 80521-1128. LEGAL DESCRIP- JEFFERSON AVE. LOVELAND, CO 80537-4810. LEGAL DESCRIPTION: LOCH LON ADD NO 2; LOT 7 BLK 1. TION: STAGECOACH SUB FLG 1; LOT 4 BLK 1. LENDER: DESCRIPTION: ORCHARD PK ADD TO LOVELAND; LOT LENDER: IRWIN UNION BANK TRUST CO. AMOUNT DUE: DEUTSCHE BANK TRUST CO. AMERICA. AMOUNT DUE: 31 BLK 2. LENDER: LASALLE BANK NA TRUSTEE. $95387. CASE NO.: 2003-28937. DATE: 8/10/07. $123900. CASE NO.: 2005-13927. DATE: 8/17/07. AMOUNT DUE: $132000. CASE NO.: 2005-33777. DATE: 8/24/07. BORROWER: LORI L. BREWER, 3923 GOODELL LANE BORROWER: ROCINDA J. GREEN, 1750 TALC PLACE Colorado Women’s Conference FORT COLLINS, CO 80526-2924. LEGAL DESCRIPTION: LOVELAND, CO 80537-5987. LEGAL DESCRIPTION: BORROWER: ROBIN D. GALLANT, 1331 CRABAPPLE The Ranch - Budweiser Event Center, Loveland WESTFIELD SUB; LOT 14 BLK 1. LENDER: GMAC MORT- ANDERSON FARM SEVENTH SUB; LOT 1 BLK 18. DRIVE LOVELAND, CO 80538-5663. LEGAL DESCRIP- GAGE LLC. AMOUNT DUE: $187792. CASE NO.: 2002- LENDER: US BANK. AMOUNT DUE: $195969. CASE NO.: TION: ALFORD LAKE FIRST SUB; LOT 1 BLK 3. LENDER: Friday, November 16 - Sunday, November 18, 2007 135120. DATE: 8/10/07. 2005-21675. DATE: 8/17/07. RESIDENTIAL FUNDING CO. LLC. AMOUNT DUE: Enhance & empower your life in business and at home and helping you achieve your true potential! $364800. CASE NO.: 2006-91252. DATE: 8/24/07. BORROWER: SONIA SCHMIDT, 2003 SALIDA COURT BORROWER: WALTER K. JR. & PEGGY L. HERT, Keynote Speakers ~ Seminars ~ Hands-On Workshops ~ POWER Lunches LOVELAND, CO 80538-5592. LEGAL DESCRIPTION: 2253 DELIA COURT LOVELAND, CO 80537-7232. LEGAL BORROWER: KENNY R. & KATHY M. MOODY. LEGAL VANGUARD-FAMLECO SEVENTH SUB; LOT 1 BLK 6. DESCRIPTION: COMMODORE HILLS ADD; LOT 7 BLK 2. DESCRIPTION: 0021 SECTION 22 T10N-R68W. LENDER: Networking Receptions ~ Gala Event ~ Shop in the Expo with 100+ Vendors! LENDER: SUNTRUST MORTGAGE. AMOUNT DUE: LENDER: WACHOVIA BANK. AMOUNT DUE: $194535. NEW FRONTIER BANK. AMOUNT DUE: $283850. CASE $205600. CASE NO.: 2006-41111. DATE: 8/10/07. CASE NO.: 2005-50629. DATE: 8/17/07. NO.: 2006-1297. DATE: 8/24/07. Tickets: Expo Only Passes from $10 ~ Vendor Booths from $350 1-Day Conference Ticket Including POWERLunch & Networking Breakfast from$89 BORROWER: BARBARA L. TAYLOR, 40 28 THREE B ORROWER: LAURIE W. GRAVES, 5663 MOUNTAIN B ORROWER: ADAM T. OLIVER, 3282 WIGWAM WAY BRIDGES COURT LOVELAND, CO 80538-5352. LEGAL IRIS COURT LOVELAND, CO 80537-2405. LEGAL WELLINGTON, CO 80549-1773. LEGAL DESCRIPTION: DESCRIPTION: SHAMROCK W. SECOND SUB; LOT 19 DESCRIPTION: MARIANA SPRINGS FIRST SUB; LOT 31 BUFFALO CREEK SUB FIRST FLG; LOT 6 BLK 6. for Daily Agenda, Online Tickets or Vendor Information BLK 2. LENDER: WELLS FARGO BANK. AMOUNT DUE: BLK 1. LENDER: CITIGROUP GLOBAL MARKETS REALT. LENDER: COUNTRYWIDE HOME LOANS INC. AMOUNT $138668. CASE NO.: 2001-95622. DATE: 8/10/07. AMOUNT DUE: $440000. CASE NO.: 2007-7164. DATE: DUE: $176989. CASE NO.: 2004-93450. DATE: 8/24/07. 8/17/07. 970.454.0787 www.ColoradoWomensConference.com BORROWER: AMY RENEE AUSTIN, 802 WATERGLEN BORROWER: LAYNE M. & BETSY D. BICKER, 528 DRIVE, NO. K. 47 FORT COLLINS, CO 80524-6496. BORROWER: LORI J. & THOMAS NEFF, 4215 LOOK- WELCH AVE. BERTHOUD, CO 80513-2617. LEGAL LEGAL DESCRIPTION: ABERDEEN AT WATERGLEN; LOT OUT LANE FORT COLLINS, CO 80526-7605. LEGAL DESCRIPTION: WELCH ADD NO 2; LOT 7 BLK 8. 47 BLK K. LENDER: HSBC MORTGAGE SERVICES INC. DESCRIPTION: OVERLOOK AT WOODRIDGE PUD FLG 4; LENDER: COUNTRYWIDE HOME LOANS INC. AMOUNT AMOUNT DUE: $143494. CASE NO.: 2006-44382. DATE: LOT 47. LENDER: CHASE HOME FINANCE LLC. AMOUNT DUE: $133029. CASE NO.: 2001-110383. DATE: 8/24/07. 8/10/07. DUE: $206500. CASE NO.: 2006-1063. DATE: 8/17/07. BORROWER: ERASTO & FERMIN MENDIVILBEL- Open Tuesday-Sunday BORROWER: JAMES MCKAY, 630 MEADOW RUN BORROWER: BOBBY D. HONEBEIN, 524 FRANKLIN TRAN, 505 EDGEWOOD DRIVE LOVELAND, CO 80538- Dinner 5-10pm DRIVE FORT COLLINS, CO 80525-3756. LEGAL AVE. BERTHOUD, CO 80513-1187. LEGAL DESCRIPTION: 1832. LEGAL DESCRIPTION: N. WOODS PK; LOT 8 BLK DESCRIPTION: UPPER MEADOW AT MIRAMONT FIRST CAPITOL HILL ADD SECOND TO BERTHOUD; LOT. 4. LENDER: WACHOVIA BANK NA TRUSTEE. AMOUNT FLG PUD; LOT 43. LENDER: HSBC BANK USA NA LENDER: BLK 3. AMOUNT DUE: $0. CASE NO.: 78716. DUE: $172597. CASE NO.: 2002-48405. DATE: 8/24/07. TRUSTEE. AMOUNT DUE: $249600. CASE NO.: 2005- DATE: 8/17/07. 67559. DATE: 8/14/07. BORROWER: SHERYL MACEWEN, 515 S. LOOMIS BORROWER: CAROL F. LIESTER, 1949 MASSACHU- AVE. FORT COLLINS, CO 80521-3623. LEGAL DESCRIP- BORROWER: WILLIAM D. & VICTORIA J. FLINT, 221 SETTS ST. FORT COLLINS, CO 80525-2992. LEGAL TION: WESTLAWN ADD; LOT 19 BLK 2. LENDER: US Happy Hour TRIANGLE DRIVE FORT COLLINS, CO 80525-7063. DESCRIPTION: TIMBERLINE VILLAGE PUD; LOT 19. BANK NA TRUSTEE. AMOUNT DUE: $212000. CASE NO.: LEGAL DESCRIPTION: SHENANDOAH PUD FLG 1; LOT 3. LENDER: FIRSTBANK NORTHERN COLO. AMOUNT DUE: 2006-65938. DATE: 8/24/07. Tuesday-Friday 4-6pm LENDER: CITIMORTGAGE INC. AMOUNT DUE: $226111. $148939. CASE NO.: 2004-42287. DATE: 8/23/07. CASE NO.: 2002-123783. DATE: 8/14/07. BORROWER: MICHAEL A. & ANNE E. MILLER, 1845 2 for 1 Drinks BORROWER: ANTHONY P. & SARAH N. NUCCIO, ELK SPRINGS ST. LOVELAND, CO 80538-7301. LEGAL BORROWER: KURT JOHNSON, 3307 CITATION 6809 ANTIGUA DRIVE, UNIT 66 FORT COLLINS, CO DESCRIPTION: SHAMROCK W. SECOND SUB; LOT 22 8-10pm Nightly Drink Specials COURT FORT COLLINS, CO 80526-6307. LEGAL 80525-6945. LEGAL DESCRIPTION: STANTON CREEK BLK 12. LENDER: COUNTRYWIDE HOME LOANS INC. DESCRIPTION: WARREN FARMS FIRST FLG; LOT 25. SUB SECOND FLG; LOT 66 BLK 1. LENDER: AURORA AMOUNT DUE: $124735. CASE NO.: 2001-35661. DATE: LENDER: WACHOVIA BANK NA TRUSTEE. AMOUNT LANE SERVICES LLC. AMOUNT DUE: $159400. CASE 8/24/07. DUE: $195495. CASE NO.: 2004-41516. DATE: 8/14/07. NO.: 2006-28391. DATE: 8/23/07. Wednesday-Ladies Night B ORROWER: FARNUM L. JR. & JANE T. SMITH, 186 2 for 1 Drinks, 4-Close BORROWER: STEPHEN R. BROWN, 618 W. 47TH ST. BORROWER: WP I LLC, 3608 ROCKY STREAM DRIVE MONTCALM DRIVE LIVERMORE, CO 80536-9337. LEGAL 211 Canyon Avenue LOVELAND, CO 80538-1712. LEGAL DESCRIPTION: FORT COLLINS, CO 80528-7168. LEGAL DESCRIPTION: DESCRIPTION: GLACIER VIEW MEADOWS FLG 9; LOT 5. RIDGEVIEW ADD NO 4 SECOND SUB TR 1; LOT 18 BLK 1. SWIFT ADD TO FOSSIL LAKE PUD; LOT 52. LENDER: LENDER: NATIONSTAR MORTGAGE LLC. AMOUNT DUE: Fort Collins LENDER: SUNTRUST MORTGAGE. AMOUNT DUE: NEW FRONTIER BANK. AMOUNT DUE: $187000. CASE $247771. CASE NO.: 2006-88648. DATE: 8/24/07. Every Sunday $140000. CASE NO.: 2005-57032. DATE: 8/15/07. NO.: 2005-101449. DATE: 8/23/07. 970.493.9588 BORROWER: CARRIE L. & RICHARD A. VAUGHN, canyonchophouse.com 1/2 Price Bottles of Wine BORROWER: WEI QIAN, 4268 RED FOX PLACE LOVE- BORROWER: WP I LLC, 6565 ROOKERY ROAD FORT 629 W. EIGHTH ST. LOVELAND, CO 80537-4607. LEGAL LAND, CO 80537-3409. LEGAL DESCRIPTION: MARIANA COLLINS, CO 80528-9492. LEGAL DESCRIPTION: FOS- DESCRIPTION: LEWIS SUB; LOT 1 BLK 1. LENDER: BUTTE SEVENTH SUB; LOT 6 BLK 9. LENDER: KEY- SIL LAKE PUD FIRST FLG; LOT 8 BLK 10. LENDER: NEW WACHOVIA BANK. AMOUNT DUE: $151273. CASE NO.: BANK. AMOUNT DUE: $244167. CASE NO.: 2001-83222. FRONTIER BANK. AMOUNT DUE: $275000. CASE NO.: 2005-10317. DATE: 8/24/07. DATE: 8/15/07. 2006-31658. DATE: 8/23/07. B ORROWER: NATHAN REED, 22 63 FORECASTLE BORROWER: MICHAEL & LISA LUTZ, 331 FREDER- BORROWER: EARL A. RENDON, 2725 TRENTON WAY DRIVE FORT COLLINS, CO 80524-6753. LEGAL ICK DRIVE LOVELAND, CO 80537-7327. LEGAL FORT COLLINS, CO 80526-2257. LEGAL DESCRIPTION: DESCRIPTION: MAPLE HILL; LOT 9 BLK 23. LENDER: DESCRIPTION: DERBY HILL; LOT 8 BLK 4. LENDER: CEDAR VILLAGE FOURTH FLG; LOT 46. LENDER: CHASE COUNTRYWIDE HOME LOANS INC. AMOUNT DUE: HSBC BANK USA. AMOUNT DUE: $163534. CASE NO.: HOME FINANCE LLC. AMOUNT DUE: $149857. CASE $172400. CASE NO.: 2006-58724. DATE: 8/24/07. 2006-39844. DATE: 8/15/07. NO.: 2004-103736. DATE: 8/23/07. BORROWER: LOLITA B. LIM, 52 85 BLACKHAWK BORROWER: DARYL M. FREEMAN, 3001 W. ELIZA- BORROWER: PAMELA J. BAILEY, 2710 SE FRONTAGE DRIVE WINDSOR, CO 80550-8418. LEGAL DESCRIP- BETH ST. FORT COLLINS, CO 80521-4009. LEGAL ROAD FORT COLLINS, CO 80525-9621. LEGAL DESCRIP- TION: RANCH AT HIGHLAND MEADOWS SUB; LOT 11 DESCRIPTION: LORY ANN EST; LOT 28. LENDER: NEW TION: MEKELBURG EXEMPTION 1979 AMD TR B-C.; LOT BLK 8. LENDER: SUNTRUST BANK. AMOUNT DUE: CENTURY HOME EQUITY TRUST. AMOUNT DUE: 1. LENDER: BANK W. AMOUNT DUE: $49900. CASE NO.: $460000. CASE NO.: . DATE: 8/24/07. $139026. CASE NO.: 2005-59417. DATE: 8/15/07. 2005-7337. DATE: 8/23/07. BORROWER: SCOT A. JENKINS, 2712 ADOBE DRIVE BORROWER: SHEREE RAE FRITZ, 8204 TAYLOR BORROWER: DIANNA JEAN SOTHMAN, 2100 FORT COLLINS, CO 80525-2442. LEGAL DESCRIPTION: COURT FORT COLLINS, CO 80528-9239. LEGAL SHEFFIELD DRIVE FORT COLLINS, CO 80526-1639. MEADOWS E. SUB FLG 1; LOT 162. LENDER: DEUTSCHE DESCRIPTION: MOUNTAIN RANGE SHADOWS II; LOT 13 LEGAL DESCRIPTION: VILLAGE W. FLG 3; LOT 1. BANK NATIONAL TRUST C. AMOUNT DUE: $161820. BLK 1. LENDER: COUNTRYWIDE HOME LOANS INC. LENDER: WM SPECIALTY MORTGAGE LLC. AMOUNT CASE NO.: 2006-52900. DATE: 8/24/07. AMOUNT DUE: $136185. CASE NO.: 2004-19553. DATE: DUE: $248728. CASE NO.: 2005-29017. DATE: 8/23/07. 8/15/07. BORROWER: CARRIE J. LINDQUIST, 4745 HAHNS BORROWER: LAURA L. & KEVIN W. WINKLEPLECK, PEAK DRIVE, UNIT 103 LOVELAND, CO 80538-7000. LAND UP FOR BID BORROWER: SETH & NATASHA PICKETT, 2674 W. 274 GREEN TEAL DRIVE LOVELAND, CO 80537-6568. LEGAL DESCRIPTION: LAKESHORE AT CENTERRA CON- 45TH ST. LOVELAND, CO 80538-1422. LEGAL DESCRIP- LEGAL DESCRIPTION: GARDEN GATE FIRST SUB; LOT 1 DOS PH A.; LOT 103 BLK 15. LENDER: COLORADO TION: PICABO HILLS FIRST SUB; LOT 2 BLK 5. LENDER: BLK 13. LENDER: DEUTSCHE BANK NATIONAL TRUST HOUSING FINANCE AUTHO. AMOUNT DUE: $125821. US BANK NA TRUSTEE. AMOUNT DUE: $160114. CASE CO. AMOUNT DUE: $179083. CASE NO.: 2006-23394. CASE NO.: 2004-40674. DATE: 8/24/07. NO.: 2006-50724. DATE: 8/15/07. DATE: 8/23/07. BORROWER: EDWARD W. DALY III, 304 W. 52ND ST. The City of Fort Morgan, CO is accepting sealed bids for three BORROWER: JERRE E. & HOLLY S. KAMM, 5907 BORROWER: ANGELA M. WASSERMAN, 1912 COR- LOVELAND, CO 80538-1614. LEGAL DESCRIPTION: (3) contiguous land parcels for sale in the Industrial Park. MERCURY DRIVE FORT COLLINS, CO 80525-3902. RIEDALE COURT FORT COLLINS, CO 80526-1101. LEGAL RANCH AC SUB; LOT 13 BLK 6. LENDER: JPMORGAN LEGAL DESCRIPTION: SKYVIEW; LOT 5 BLK 6. LENDER: DESCRIPTION: BROWN FARM FLG 1; LOT 211 BLK 25. CHASE BANK. AMOUNT DUE: $39136. CASE NO.: 2002- WACHOVIA BANK NA TRUSTEE. AMOUNT DUE: LENDER: LASALLE BANK. AMOUNT DUE: $. CASE NO.: 39771. DATE: 8/24/07. • Two parcels are 2.01 acres each and the third is 3.27 acres. $132232. CASE NO.: 2003-86559. DATE: 8/16/07. 2004-47246. DATE: 8/23/07. BORROWER: GREGORY M. WILLIAMSON, 2612 WOR- BORROWER: LORI ANN & JAMIE FROST, 6512 CON- BORROWER: THOMAS E. & KATHY L. HARVEY, 600 THINGTON AVE. FORT COLLINS, CO 80526-2640. • All parcels have paved road and City utility access (gas, electric, water, wastewater, sanitation). STELLATION DRIVE FORT COLLINS, CO 80525-4009. E. TRILBY ROAD FORT COLLINS, CO 80525-4142. LEGAL DESCRIPTION: WOODWEST FLG 1; LOT 16 BLK 1. LEGAL DESCRIPTION: SKYVIEW S. FIRST FLG; LOT 20. LEGAL DESCRIPTION: HANSEN MRD S.-91-87; LOT A. LENDER: WELLS FARGO BANK. AMOUNT DUE: $115421. • Strategically located on the south side of US Hwy. 34, within two miles of the Barlow Road / LENDER: HSBC BANK USA. AMOUNT DUE: $131989. LENDER: HSBC BANK USA NA TRUSTEE. AMOUNT DUE: CASE NO.: 1998-47421. DATE: 8/24/07. CASE NO.: 2004-115278. DATE: 8/16/07. $133423. CASE NO.: 2004-23005. DATE: 8/23/07. I-76 Interchange (east quadrant of Fort Morgan). BORROWER: JEFFREY P. LYON, 2519 ROMELDALE BORROWER: MICHELLE B & BENJAMIN L. GAL- BORROWER: BRANDI L. & TOBIAS L. ACKERMAN, LANE FORT COLLINS, CO 80526-1108. LEGAL DESCRIP- • Minimum bid prices range from $0.22 to $0.80 per square foot, depending upon proposed YARDT, 5212 CORALBERRY COURT FORT COLLINS, CO 54 SNOWMASS DRIVE LIVERMORE, CO 80536-8705. TION: BROWN FARM FLG 2; LOT 13 BLK 8. LENDER: 80525-5506. LEGAL DESCRIPTION: OAK RIDGE VIL- LEGAL DESCRIPTION: GLACIER VIEW MEADOWS FLG 8; CHASE HOME FINANCE LLC. AMOUNT DUE: $144971. industry “use-type” for a given parcel. LAGE PUD FIRST FLG RPLT; LOT 29. LENDER: HSBC LOT 87. LENDER: MT BANK. AMOUNT DUE: $49970. CASE NO.: 2003-36213. DATE: 8/24/07. BANK USA NA TRUSTEE. AMOUNT DUE: $300000. CASE NO.: 2006-86658. DATE: 8/23/07. CASE NO.: 2006-49023. DATE: 8/16/07. BORROWER: CHRISTINE L. PREBLE, 3440 WIND- Bids will be accepted until 12:00 p.m. MST on November 7, 2007 and must be submitted per BORROWER: GUNNAR WEBER, 1406 HUMMEL LANE MILL DRIVE FORT COLLINS, CO 80526-2795. LEGAL parcel in a sealed envelope(s) marked “Bid for Fort Morgan Industrial Park Land Parcels - BORROWER: RICKY & DIANNE MONTEZ, 1260 E. FORT COLLINS, CO 80525-9477. LEGAL DESCRIPTION: DESCRIPTION: PARK W. CONDO; LOT 2 BLK 3. LENDER: SECOND ST. LOVELAND, CO 80537-5806. LEGAL FRONT NINE AT SOUTHRIDGE GREENS FIRST RPLT; LOT GSAMP TRUST 2006 HE3. AMOUNT DUE: $103920. Attn: Michael Nagy” in person at City Hall, located at 110 Main St. in Fort Morgan or by mail to DESCRIPTION: IOWA ADD TO LOVELAND; LOT 3 BLK 4. 21. LENDER: SAXON MORTGAGE SERVICES INC. CASE NO.: 2005-99423. DATE: 8/24/07. LENDER: US BANK. AMOUNT DUE: $125301. CASE NO.: AMOUNT DUE: $436500. CASE NO.: 2007-15488. DATE: P.O. Box 100, Fort Morgan, CO 80701. 2006-78007. DATE: 8/17/07. 8/23/07. BORROWER: HARVEY H. & VICTORIA A. HOFFMEYER, 2513 ANTELOPE ROAD FORT COLLINS, BORROWER: STEVEN & ANTOINETTE J. VALDEZ, BORROWER: RICHARD C. & JANNA R. SCHARF, CO 80525-3547. LEGAL DESCRIPTION: FOX MEADOWS; 5551 CORNERSTONE DRIVE UNIT E26 FORT COLLINS, 1210 WHITE OAK COURT FORT COLLINS, CO 80525- LOT 7 BLK 5. LENDER: BANK NEW YORK. AMOUNT Please contact City Administrator CO 80528-3098. LEGAL DESCRIPTION: SAGE CREEK 5561. LEGAL DESCRIPTION: OAK RIDGE VILLAGE PUD DUE: $174211. CASE NO.: 2004-25386. DATE: 8/27/07. SUB; LOT 29 BLK 11. LENDER: JAMES B. NUTTER CO. THIRD FLG; LOT 19. LENDER: WORLD SVGS. AMOUNT Michael Nagy for more information at AMOUNT DUE: $154064. CASE NO.: 2003-102875. DATE: DUE: $191858. CASE NO.: 2004-75004. DATE: 8/24/07. BORROWER: BOB & DEE COCHRAN, 312 W. 50TH ST. 8/17/07. LOVELAND, CO 80538-1604. LEGAL DESCRIPTION: B ORROWER: RICHARD M. & C. RENNEE CHAVEZ, RANCH AC SUB; LOT 4 BLK 2. LENDER: WELLS FARGO (970) 542-3961. BORROWER: SYED AZAM MUSTAFA, 1086 PINE 7845 SECOND ST. WELLINGTON, CO 80549. LEGAL FINANCIAL COLO INC. AMOUNT DUE: $184806. CASE KNOLL DRIVE ESTES PARK, CO 80517-7579. LEGAL DESCRIPTION: SOUTHMOOR SUB; LOT 28. LENDER: NO.: 2004-100724. DATE: 8/27/07. DESCRIPTION: ONE THOUSAND PINES ADD TO ESTES BANK NEW YORK. AMOUNT DUE: $138977. CASE NO.: www.cityoffortmorgan.com PK; LOT 17. LENDER: HSBC BANK USA. AMOUNT DUE: 2007-544. DATE: 8/24/07. BORROWER: RANDY N. STALEY. LEGAL DESCRIP- $639092. CASE NO.: 2006-91765. DATE: 8/17/07. TION: 0055 SECTION 30 T8N-R69W. LENDER: PHH MORTGAGE CORP. AMOUNT DUE: $113358. CASE NO.: The City of Fort Morgan reserves the right to accept or reject any bid or portion of bid, and reserves the right to waive any informality in the bidding. 1999-96967. DATE: 8/27/07.

Oct. 12-25, 2007 | www.businessreportdaily.com The Northern Colorado Business Report | 51

LEADS FORECLOSURES

BORROWER: PETER ISOP, 3726 GRANT AVE. BORROWER: JOSEPH & NANCY ESPARZA, 4245 BORROWER: ALBERTO TALAMANTES, 239 GRAND WELLINGTON, CO 80549. LEGAL DESCRIPTION: SUM- BOARDWALK DRIVE, UNIT F7 FORT COLLINS, CO AVE. FORT LUPTON, CO 80621-2023. LEGAL DESCRIP- MIT ADD TO WELLINGTON TRACT 14; LOT 10 BLK 3. 80525-5949. LEGAL DESCRIPTION: PROMONTORY CON- TION: WEBERS ADD TO FT LUPTON; LOT. LENDER: BLK LENDER: CITIMORTGAGE INC. AMOUNT DUE: $95953. DOS; LOT F7 BLK F. LENDER: DEUTSCHE BANK NATION- 2. AMOUNT DUE: $0. CASE NO.: 158010. DATE: 12:00:00 CASE NO.: 2006-92700. DATE: 8/27/07. AL TRUST CO. AMOUNT DUE: $120000. CASE NO.: AM. 2005-99230. DATE: 8/30/07. BORROWER: BETH A. & MICHAEL D. ADAMS, 2617 BORROWER: ALFREDO M. & LUZ REGIN FLORES, GOOD THINGS ARE HAPPENING! TREEMONT DRIVE FORT COLLINS, CO 80524-1918. BORROWER: WILLIAM L. HOFFMAN, 1720 RHYOLITE 108 WINNIPEG ST. LOCHBUIE, CO 80603-9769. LEGAL LEGAL DESCRIPTION: CLUB EST; LOT 1. LENDER: BANK ST. LOVELAND, CO 80537-5972. LEGAL DESCRIPTION: DESCRIPTION: LOCHWOOD FLG 1 PUD; LOT 7 BLK 11. Join industry front-runners at the NEW YORK TRUST CO. AMOUNT DUE: $227726. CASE ANDERSON FARM SEVENTH SUB; LOT 8 BLK 3. LENDER: GMAC MORTGAGE LLC. AMOUNT DUE: $112109. NO.: 2002-43209. DATE: 8/28/07. LENDER: COUNTRYWIDE HOME LOANS INC. AMOUNT CASE NO.: 2001-2856975. DATE: 8/10/07. DUE: $164000. CASE NO.: 2007-4877. DATE: 8/30/07. BORROWER: KIMBERLY K. & EDWARD J. IVKOV, BORROWER: LEONARD L. & FRANCINE BACHICHA, PROSPECT EAST BUSINESS PARK 1548 WARBLER ST. LOVELAND, CO 80537-2335. LEGAL BORROWER: JASON WILLIAMS, 1030 LEXINGTON 135 VALLE DRIVE FORT LUPTON, CO 80621-1410. LEGAL DESCRIPTION: ARBOR MEADOWS SECOND SUB; LOT 15 LANE ESTES PARK, CO 80517-7502. LEGAL DESCRIP- DESCRIPTION: GRANDVIEW ADD; LOT 4 BLK 2. LENDER: We can supply most any size or type of space. BLK 7. LENDER: AMERICAN HOME MORTGAGE SERVICI. TION: VILLAGE AC SUB; LOT 8. LENDER: WELLS FARGO COUNTRYWIDE HOME LOANS INC. AMOUNT DUE: AMOUNT DUE: $176000. CASE NO.: 2005-27651. DATE: BANK. AMOUNT DUE: $274920. CASE NO.: 2005-24253. $193121. CASE NO.: 2006-3401488. DATE: 8/10/07. 8/28/07. DATE: 8/30/07. Call us today to discuss your needs. B ORROWER: ABEL DELEON, 408 SIXTH ST. GREELEY, BORROWER: CHARLES S. DEIBICHT, 301 URANUS BORROWER: SYED AZAM MUSTAFA, 1086 PINE CO 80631-2415. LEGAL DESCRIPTION: GREELEY CITY ST. FORT COLLINS, CO 80525-4036. LEGAL DESCRIP- KNOLL DRIVE ESTES PARK, CO 80517-7579. LEGAL OF; LOT. LENDER: BLK 117. AMOUNT DUE: $0. CASE NO.: TION: SKYVIEW S. FIRST FLG; LOT 64. LENDER: DESCRIPTION: ONE THOUSAND PINES ADD TO ESTES 111712. DATE: 12:00:00 AM. WACHOVIA MORTGAGE LANE TRUST 200. AMOUNT PK; LOT 17. LENDER: HSBC BANK USA. AMOUNT DUE: John Slack (970) 482-4800 Email: [email protected] DUE: $131169. CASE NO.: 2006-64978. DATE: 8/28/07. $159892. CASE NO.: 2006-91766. DATE: 8/30/07. BORROWER: PATRICIA HILL, 118 SEVENTH ST. MEAD, CO 80542. LEGAL DESCRIPTION: SECTION 9 T3N- BORROWER: ERIC M. & LEE C. WINGERT, 208 DEAN BORROWER: LESLIE ANN THOMAS, 4124 BEAVER R68W. LENDER: WASHINGTON MUTUAL BANK. AMOUNT CIRCLE LOVELAND, CO 80537-6526. LEGAL DESCRIP- CREEK DRIVE FORT COLLINS, CO 80526-3558. LEGAL DUE: $196000. CASE NO.: 2005-3347534. DATE: TION: MADISON SQUARE CONDOS; LOT 208. LENDER: DESCRIPTION: WILLOW PK SUB FINAL PLAT; LOT 29 8/10/07. WELLS FARGO BANK. AMOUNT DUE: $120929. CASE BLK 4. LENDER: BANK NEW YORK. AMOUNT DUE: NO.: 2002-51042. DATE: 8/28/07. $174234. CASE NO.: 2005-71252. DATE: 8/30/07. BORROWER: COLUMBUS JR. & SHELLEY HACK- ETT, 4211 FLORENCE AVE. EVANS, CO 80620. LEGAL BORROWER: ALLAN MILLER, 216 E. SWALLOW ROAD BORROWER: RUSS A. SPRAGUE, 3747 WHITEBARK DESCRIPTION: TUSCANY FIRST FLG; LOT 1 BLK 18. FORT COLLINS, CO 80525-2540. LEGAL DESCRIPTION: PLACE LOVELAND, CO 80538-8909. LEGAL DESCRIP- LENDER: NEW FRONTIER BANK. AMOUNT DUE: THUNDERBIRD EST FIFTH SUB; LOT 15 BLK 2. LENDER: TION: BOYD LAKE N. FIRST ADD RPLT TR B; LOT 4 BLK $44000. CASE NO.: 2005-3257578. DATE: 8/13/07. DEUTSCHE BANK NATIONAL TRUST C. AMOUNT DUE: 1. LENDER: BANK NEW YORK TRUSTEE. AMOUNT DUE: $160693. CASE NO.: 2006-86417. DATE: 8/28/07. $198000. CASE NO.: 2005-4413. DATE: 8/30/07. BORROWER: M. GAYLE PICKETT, 2415 HAVEN COURT EVANS, CO 80620-9588. LEGAL DESCRIPTION: BORROWER: DANA K. TYNAN, 621 SEDGWICK DRIVE BORROWER: STEVEN ALEX HELPHAND, 4032 TOR- WILLOWBROOK SUB; LOT 46 BLK 1. LENDER: CITIMORT- FORT COLLINS, CO 80525-7055. LEGAL DESCRIPTION: RIDON LANE FORT COLLINS, CO 80524-6409. LEGAL GAGE INC. AMOUNT DUE: $142697. CASE NO.: 2003- RIDGEWOOD HILLS PUD SECOND FLG; LOT 86. LENDER: DESCRIPTION: WATERGLEN PUD; LOT 460. LENDER: 3100344. DATE: 8/13/07. WASHINGTON MUTUAL BANK. AMOUNT DUE: $158174. WELLS FARGO BANK. AMOUNT DUE: $164047. CASE CASE NO.: 2003-103917. DATE: 8/28/07. NO.: 2004-66870. DATE: 8/30/07. BORROWER: ARTURO AGUIRE ALBORADO, 2201 FIFTH ST. GREELEY, CO 80631-1814. LEGAL DESCRIP- BORROWER: JEFFREY T. & CYNTHIA D. BOONE, BORROWER: JEANETTE L. FRASER, 2401 ZENITH TION: SECTION 6 T5N-R65W. LENDER: WACHOVIA 1756 MOONSTONE CIRCLE LOVELAND, CO 80537-5974. COURT FORT COLLINS, CO 80526-1123. LEGAL BANK. AMOUNT DUE: $102667. CASE NO.: 2003- LEGAL DESCRIPTION: ANDERSON FARM SEVENTH SUB; DESCRIPTION: BROWN FARM FLG 2; LOT 3 BLK 7. 3046087. DATE: 8/13/07. LOT 12 BLK 8. LENDER: NEW CENTURY HOME EQUITY LENDER: DEUTSCHE BANK NATIONAL TRUST. AMOUNT LANE TRU. AMOUNT DUE: $195945. CASE NO.: 2005- DUE: $184790. CASE NO.: 2006-58950. DATE: 8/30/07. BORROWER: ANA M. ESPINOZA, 2126 FOURTH ST. 5629. DATE: 8/28/07. GREELEY, CO 80631-1805. LEGAL DESCRIPTION: COYS BORROWER: SHEPPARD HOMES INC., 4420 SUB N.; LOT 11 BLK 2. LENDER: WACHOVIA BANK. BORROWER: CHARLES E. & TERESA ANN LUING GEORGETOWN DRIVE LOVELAND, CO 80538-6226. AMOUNT DUE: $127352. CASE NO.: 2003-3047198. SUGGS, 1007 W. 36TH ST. LOVELAND, CO 80538-2510. LEGAL DESCRIPTION: KENDALL BROOK FIRST SUB; LOT DATE: 8/13/07. LEGAL DESCRIPTION: SUNSET AC 11TH ADD REPLT BLK 2 BLK 26. LENDER: COLORADO COMMUNITY BANK. 1; LOT 15 BLK 1. LENDER: US BANK NA TRUSTEE. AMOUNT DUE: $265175. CASE NO.: 2005-67404. DATE: BORROWER: WILLIAM P. DESONIER, 11402 DAISY AMOUNT DUE: $182513. CASE NO.: 2005-106646. DATE: 8/30/07. COURT FIRESTONE, CO 80504-5525. LEGAL DESCRIP- 8/29/07. TION: OAK MEADOWS PUD FLG 1; LOT 16 BLK 2. BORROWER: DONNA M. MEYERS, 233 1 CALCITE ST. LENDER: DEUTSCHE BANK NATIONAL TRUST CO. BORROWER: MICAH & MARINA HOUGH, 2306 LOVELAND, CO 80537-2004. LEGAL DESCRIPTION: AMOUNT DUE: $239851. CASE NO.: 2004-3147483. EMPIRE AVE. LOVELAND, CO 80538-5104. LEGAL ANDERSON FARM FIFTH SUB; LOT 19 BLK 8. LENDER: DATE: 8/13/07. DESCRIPTION: PARK HILL FIRST ADDITION; LOT 6 BLK DEUTSCHE BANK NATIONAL TRUST CO. AMOUNT DUE: 1. LENDER: COUNTRYWIDE HOME LOANS INC. AMOUNT $201000. CASE NO.: 2005-28027. DATE: 8/30/07. BORROWER: JOHN A. GROSS, 707 RODGERS CIRCLE DUE: $179696. CASE NO.: 2004-116385. DATE: 8/29/07. PLATTEVILLE, CO 80651-7942. LEGAL DESCRIPTION: BORROWER: DARRIN S. LATHAM, 3430 WHITE BUF- RODGERS FARM; LOT 4 BLK 1. LENDER: SUNTRUST BORROWER: ROSS MARTIN ALARID, 516 WOOD ST. FALO DRIVE WELLINGTON, CO 80549-1784. LEGAL MORTGAGE. AMOUNT DUE: $165505. CASE NO.: 2003- FORT COLLINS, CO 80521-1949. LEGAL DESCRIPTION: DESCRIPTION: BUFFALO CREEK SUB FIRST FLG; LOT 1 3028781. DATE: 8/13/07. GRIFFINS SUB BLK 295; LOT 17 BLK 295. LENDER: BLK 8. LENDER: WELLS FARGO BANK NA TRUSTEE. PROVIDENT FUNDING ASSOCIATES L. AMOUNT DUE: AMOUNT DUE: $169662. CASE NO.: 2005-53124. DATE: BORROWER: ROBERTO GUZMAN, 1316 FIFTH ST. $167840. CASE NO.: 2004-87618. DATE: 8/29/07. 8/30/07. GREELEY, CO 80631-2222. LEGAL DESCRIPTION: GREE- LEY CITY OF; LOT 2 BLK 29. LENDER: MASTR 2007 2. BORROWER: ANNMARIE THORP, 1601 W. SWALLOW WELD COUNTY AMOUNT DUE: $91433. CASE NO.: 2006-3388339. ROAD, APT. 1A FORT COLLINS, CO 80526-2291. LEGAL DATE: 8/13/07. DESCRIPTION: GABLES AT SILVERPLUME CONDO; LOT BORROWER: GLORIA & FRANK E. MELVIN, 3027 W. A. BLK 1. LENDER: US BANK. AMOUNT DUE: $94859. 13TH ST. GREELEY, CO 80634-6303. LEGAL DESCRIP- B ORROWER: GARY & JANIE M. BOWLES, 1040 CASE NO.: 2004-11529. DATE: 8/29/07. TION: SHERWOOD PK FIRST ADD; LOT 2 BLK 9. HOOVER AVE. FORT LUPTON, CO 80621-2620. LEGAL LENDER: WACHOVIA BANK. AMOUNT DUE: $138702. DESCRIPTION: GRAYS PLAT FT LUPTON; LOT 2. BORROWER: ANDREW E. SOWDERS, 2312 W. LINDA CASE NO.: 2006-3403213. DATE: 8/10/07. LENDER: GMAC MORTGAGE LLC. AMOUNT DUE: DRIVE LOVELAND, CO 80537-7216. LEGAL DESCRIP- $128994. CASE NO.: 2003-3090466. DATE: 8/13/07. TION: ROLLING KNOLLS EST ADD NO 2; LOT 10 BLK 2. BORROWER: THEODORE & MARY HICKS, 37158 LENDER: DEUTSCHE BANK NATIONAL TRUST CO. DICKERSON RUN WINDSOR, CO 80550-8403. LEGAL BORROWER: JASON T. & RACHELLE R. MCQUOWN, AMOUNT DUE: $135998. CASE NO.: 2005-12604. DATE: DESCRIPTION: SOARING EAGLE RANCH PUD CORRECT- 612 LOCUST AVE. LOCHBUIE, CO 80603-5768. LEGAL 8/29/07. ED; LOT 64. LENDER: FIRST HORIZON HOME LOAN. DESCRIPTION: HIGHPLAINS FLG 2; LOT 9 BLK 3. AMOUNT DUE: $530586. CASE NO.: 2005-3285406. LENDER: GMAC MORTGAGE LLC. AMOUNT DUE: BORROWER: STEVEN D. & SANDRA K. BICKNELL, DATE: 8/10/07. $143768. CASE NO.: 2006-3365444. DATE: 8/13/07. 3710 LEOPARD ST. LOVELAND, CO 80537-3719. LEGAL DESCRIPTION: BLACKBIRD KNOLLS SECOND SUB; LOT BORROWER: JUSTIN T. & LISA F. HARTER, 1443 B ORROWER: EDWARD J. & SHIRLEY M. KAM- 16 BLK 4. LENDER: CENTRAL MORTGAGE CO. AMOUNT RED FOX CIRCLE WINDSOR, CO 80550-2745. LEGAL MERZELL, 3309 WINDMILL COURT EVANS, CO 80620- DUE: $188572. CASE NO.: 2003-25962. DATE: 8/29/07. DESCRIPTION: FOX RIDGE; LOT 11. LENDER: US BANK. 9180. LEGAL DESCRIPTION: ASHCROFT HEIGHTS FIRST AMOUNT DUE: $427500. CASE NO.: 2005-3260110. FLG; LOT 10 BLK 6. LENDER: NEW FRONTIER BANK. BORROWER: RONALD L. & PHYLLIS I. BRAMBLE, DATE: 8/10/07. AMOUNT DUE: $27600. CASE NO.: 2005-3340319. 3526 BUTTERNUT DRIVE LOVELAND, CO 80538-2667. DATE: 8/13/07. LEGAL DESCRIPTION: SUNSET AC SIXTH ADD RESUB BORROWER: CHARLES R. & RENEE M. BOURLAND, LTS 15-18 BLK 1; LOT 6 BLK 1. LENDER: WORLD SVGS. 233 S. SECOND ST. JOHNSTOWN, CO 80534-9008. BORROWER: WILLIAM JR. & LAREE WELLINGTON, AMOUNT DUE: $237842. CASE NO.: 2005-20327. DATE: LEGAL DESCRIPTION: PURVIS ADD TO JOHNSTOWN; 37445 WELD COUNTY ROAD 59 EATON, CO 80615. 8/29/07. LOT 25 BLK 2. LENDER: WELLS FARGO BANK. AMOUNT LEGAL DESCRIPTION: SECTION 26 T7N-R64W. LENDER: DUE: $146520. CASE NO.: 2003-3098122. DATE: BANK NEW YORK. AMOUNT DUE: $176000. CASE NO.: BORROWER: DIANNA L. STEFFENSON, 2024 8/10/07. 2006-3389814. DATE: 8/13/07. CHEYENNE AVE. LOVELAND, CO 80538-4314. LEGAL DESCRIPTION: ALLENDALE SUB PUD; LOT 7 BLK 10. BORROWER: DERRICK & STEFANIE D. STANTON, BORROWER: BRANDON MARTINEZ, 8731 TRIPLE LENDER: BANK NEW YORK TRUSTEE. AMOUNT DUE: 1417 45TH AVE. GREELEY, CO 80634-3108. LEGAL CROWN DRIVE FREDERICK, CO 80504-4410. LEGAL $178985. CASE NO.: 2006-34970. DATE: 8/29/07. DESCRIPTION: COLLEGE GREEN FLG 2; LOT 10 BLK 1. DESCRIPTION: MOORE FARM SUB; LOT 19 BLK 5. LENDER: US BANK. AMOUNT DUE: $163157. CASE NO.: LENDER: UBS REAL ESTATE INVEST INC. AMOUNT DUE: BORROWER: PERRY S. JR. & JANE M. STAMP, 1109 2005-3270472. DATE: 8/10/07. $379927. CASE NO.: 2007-3448087. DATE: 8/13/07. 36TH ST. SW LOVELAND, CO 80537-7430. LEGAL DESCRIPTION: BO MAR SUB; LOT 19. LENDER: US BANK BORROWER: DAVID A. BLESENER, 1929 ELBA BORROWER: HEIDI WINER, 1956 ALPINE DRIVE ERIE, NA TRUSTEE. AMOUNT DUE: $137600. CASE NO.: 2005- COURT WINDSOR, CO 80550-3566. LEGAL DESCRIP- CO 80516-4683. LEGAL DESCRIPTION: VISTA RIDGE 75182. DATE: 8/29/07. TION: WATER VALLEY S. SUB; LOT 27 BLK 4. LENDER: FLG 1G AMD 1; LOT 40 BLK 4. LENDER: CITIMORTAGE SKY BANK. AMOUNT DUE: $100528. CASE NO.: 2006- INC. AMOUNT DUE: $295836. CASE NO.: 2006-3439510. BORROWER: ANGELA M. WASSERMAN, 1912 COR- 3355633. DATE: 8/10/07. DATE: 8/13/07. RIEDALE COURT FORT COLLINS, CO 80526-1101. LEGAL DESCRIPTION: BROWN FARM FLG 1; LOT 211 BLK 25. BORROWER: CHAD M. LIKINS, 7880 MOUNTAIN BORROWER: RUTH EMILY JOHNSON, 3328 66TH LENDER: LASALLE BANK NA TRUSTEE. AMOUNT DUE: VIEW DRIVE FREDERICK, CO 80530-7041. LEGAL AVE. GREELEY, CO 80634-9628. LEGAL DESCRIPTION: $148785. CASE NO.: 2004-47246. DATE: 8/29/07. DESCRIPTION: PRAIRIE GREENS; LOT. LENDER: BLK. ST. MICHAELS SUB; LOT 8 BLK 21. LENDER: TAYLOR AMOUNT DUE: $. CASE NO.: FREMONT INVEST LOAN. BEAN WHITAKER MORTGAGE CORP. AMOUNT DUE: BORROWER: MELINDA S. KADINGER, 120 BEIN ST. DATE: 9/17/2292. $252000. CASE NO.: 2007-3452946. DATE: 8/13/07. BERTHOUD, CO 80513-2634. LEGAL DESCRIPTION: BERTHOUD COMMON; LOT 9 BLK 6. LENDER: BANK BORROWER: RAYMOND JACOB DUPPER, 517 17TH BORROWER: AMANDA QUINONES, 2949 ALPINE NEW YORK TRUSTEE. AMOUNT DUE: $374180. CASE ST. GREELEY, CO 80631-5819. LEGAL DESCRIPTION: AVE. GREELEY, CO 80631-1225. LEGAL DESCRIPTION: NO.: 2005-60534. DATE: 8/30/07. COLUMBINE; LOT 2 BLK 1. LENDER: GMAC MORTGAGE RIVERVIEW FARM SUB; LOT 13 BLK 10. LENDER: BANK LLC. AMOUNT DUE: $77013. CASE NO.: 2003-3103402. NEW YORK. AMOUNT DUE: $127580. CASE NO.: 2005- BORROWER: JULIA L. & EDWARD A. BURGESS, 155 DATE: 8/10/07. 3299430. DATE: 8/13/07. WELCH AVE. BERTHOUD, CO 80513-1308. LEGAL DESCRIPTION: WELCH ADD NO 3 LTS 15-17 BLK 1 BORROWER: CARL BRIAN & TINA WARDLOW, 14775 BORROWER: RUSSELL W. & MARGO LANGE, 408 REPLAT; LOT 1 BLK 1. LENDER: INDYMAC BANK FSB. WELD COUNTY ROAD 100 NUNN, CO 80648. LEGAL 14TH ST. WINDSOR, CO 80550-5934. LEGAL DESCRIP- AMOUNT DUE: $134606. CASE NO.: 2006-55314. DATE: DESCRIPTION: SECTION 28 T9N-R66W. LENDER: LONG TION: WESTWOOD VILLAGE; LOT 28 BLK 2. LENDER: 8/30/07. BEACH MORTGAGE LOAN TRUST 2004. AMOUNT DUE: BANK NEW YORK. AMOUNT DUE: $170519. CASE NO.: (970) 493-2499 :: 102 Rome Court, Fort Collins, CO 80524 $197033. CASE NO.: 2004-3204922. DATE: 8/10/07. 2004-3186785. DATE: 8/13/07. www.mountain-media.com 52 | The Northern Colorado Business Report www.ncbr.com | Oct. 12-25, 2007 LEADS FORECLOSURES

BORROWER: MARK & SHEILA BJORKMAN, 1915 BORROWER: GRANT R. MCVAY, 1133 N. PARK AVE. BORROWER: JORGE V. & BLANCA M. CALVILLO, BORROWER: DONALD H. FRENZEN, 1200 SEVENTH BORROWER: SYDNEY R. & BERNARD L. LASTER, BORROWER: BRENT C. & BECKY J. THORNE, 519 27TH AVE. GREELEY, CO 80634-5710. LEGAL DESCRIP- JOHNSTOWN, CO 80534-8817. LEGAL DESCRIPTION: 404 LOCUST AVE. LOCHBUIE, CO 80603-5753. LEGAL ST. FORT LUPTON, CO 80621-1626. LEGAL DESCRIP- 410 PARK AVE. EATON, CO 80615-3522. LEGAL ASH AVE. AULT, CO 80610. LEGAL DESCRIPTION: G. & G. TION: COTTONWOOD VILLAGE FLG 2; LOT 8. LENDER: GRAYS ADD; LOT 9 BLK 3. LENDER: BANK NEW YORK. DESCRIPTION: LOCHWOOD FLG 1 PUD; LOT 7 BLK 1. TION: VINCENTS E. ADD SECOND FLG; LOT 13 BLK 4. DESCRIPTION: W. SIDE ADD SECOND EATON; LOT 12 SUB; LOT 10. LENDER: GREENPOINT MORTGAGE FUND- COUNTRYWIDE HOME LOANS INC. AMOUNT DUE: AMOUNT DUE: $118862. CASE NO.: 2005-3308553. LENDER: WASHINGTON MUTUAL BANK. AMOUNT DUE: LENDER: CHASE HOME FINANCIAL LLC. AMOUNT DUE: BLK 9. LENDER: WELLS FARGO BANK. AMOUNT DUE: ING. AMOUNT DUE: $143977. CASE NO.: 2005-3278768. $180833. CASE NO.: 2002-3011773. DATE: 8/13/07. DATE: 8/14/07. $136094. CASE NO.: 2004-3226405. DATE: 8/17/07. $167047. CASE NO.: 2003-3027914. DATE: 8/17/07. $138406. CASE NO.: 2004-3184673. DATE: 8/20/07. DATE: 8/23/07.

BORROWER: ZACHARIAH D. KAUFFMAN, 1900 BORROWER: BRADLEY J. TULL, 20991 WELD COUN- BORROWER: JOSIE GARCIA, 1204 LILAC DRIVE BORROWER: LUIS R. & NYDIA E. VEGA, 6349 SAGE BORROWER: DONALD E. & JACQUELINE BORROWER: ROBERT M. PALMER, 280 PUMA LANE 68TH AVE., NO. 13 2 GREELEY, CO 80634-7967. LEGAL TY ROAD 20 FORT LUPTON, CO 80621-9130. LEGAL LOCHBUIE, CO 80603-6407. LEGAL DESCRIPTION: SPA- AVE. FIRESTONE, CO 80504-3487. LEGAL DESCRIP- LOVELACE, 36877 WELD COUNTY ROAD 65 GALETON, MILLIKEN, CO 80543-9451. LEGAL DESCRIPTION: WILD- DESCRIPTION: CEDARWOODS II CONDOS; LOT 2 BLK 13. DESCRIPTION: SECTION 16 T2N-R65W. LENDER: UBS CIOUS LIVING FLG 4; LOT 4 BLK 12. LENDER: VALLEY TION: ST. VRAIN RANCH SUB FLG IV; LOT 6 BLK 3. CO 80622. LEGAL DESCRIPTION: SECTION 32 T7N- CAT ACRES; LOT 40. LENDER: AM HOME MORTGAGE LENDER: WACHOVIA BANK. AMOUNT DUE: $131346. REAL ESTATE INVEST INC. AMOUNT DUE: $340000. BANK TRUST. AMOUNT DUE: $64250. CASE NO.: 1998- LENDER: WACHOVIA BANK. AMOUNT DUE: $242213. R63W. LENDER: WASHINGTON MUTUAL BANK. AMOUNT SERVICING. AMOUNT DUE: $206300. CASE NO.: 2005- CASE NO.: 2005-3293698. DATE: 8/13/07. CASE NO.: 2007-3456985. DATE: 8/14/07. 2635095. DATE: 8/17/07. CASE NO.: 2005-3314746. DATE: 8/17/07. DUE: $373391. CASE NO.: 2007-3469115. DATE: 8/20/07. 3325894. DATE: 8/23/07.

BORROWER: SHEILAH M. MARTINEZ, 633 46TH BORROWER: RUTH EMILY JOHNSON, 3226 66TH BORROWER: JOHN F. SINDELAR, 2201 ALPINE BORROWER: HEATHER I. & LUCAS L. ALANIZ, BORROWER: MODESTO CHAVEZ, 2502 W. FIRST ST. BORROWER: CHRISTOPHER C. & CHRIS FISK, 329 AVENUE COURT GREELEY, CO 80634-2009. LEGAL AVE. GREELEY, CO 80634-9618. LEGAL DESCRIPTION: DRIVE ERIE, CO 80516-4684. LEGAL DESCRIPTION: 2908 SPRING COVE DRIVE EVANS, CO 80620-9024. GREELEY, CO 80631-1505. LEGAL DESCRIPTION: AXSOM OAK ST. WINDSOR, CO 80550-5321. LEGAL DESCRIP- DESCRIPTION: WESTMOOR AC FIRST FLG; LOT 6 BLK 3. ST. MICHAELS SUB; LOT 16 BLK 21. LENDER: TAYLOR VISTA RIDGE FLG 1T; LOT 2 BLK 7. LENDER: CREDIT LEGAL DESCRIPTION: N. POINT SUB FLG 2; LOT 14 BLK SUB FIRST ADD; LOT 10 BLK 4. LENDER: CHASE HOME TION: FRANCO SUB; LOT A. LENDER: NATIONSTAR LENDER: COUNTRYWIDE BANK. AMOUNT DUE: $132155. BEAN WHITAKER MORTGAGE CORP. AMOUNT DUE: BASED ASSET SERVICING S. AMOUNT DUE: $272449. 5. LENDER: HSBC BANK USA. AMOUNT DUE: $156000. FINANCIAL LLC. AMOUNT DUE: $115138. CASE NO.: MORTGAGE LLC. AMOUNT DUE: $125210. CASE NO.: CASE NO.: 2004-3235411. DATE: 8/13/07. $269600. CASE NO.: 2007-3450136. DATE: 8/14/07. CASE NO.: 2006-3425945. DATE: 8/17/07. CASE NO.: 2005-3308405. DATE: 8/17/07. 2004-3171898. DATE: 8/20/07. 2005-3262930. DATE: 8/24/07.

BORROWER: NICOLE LEE REITER, 709 ELM ST. BORROWER: GREG & PRISCILLA WEDDERBURN, BORROWER: WANDA TURNER, 317 SECOND ST. BORROWER: BRAD E. & JAIME L. HEIFNER, 223 BORROWER: JEFFREY M. & KRISTIE S. WAGNER, BORROWER: ADELAIDO SANCHEZ JR., 910 MCKIN- FREDERICK, CO 80530. LEGAL DESCRIPTION: GROVE 1205 CREST COURT WINDSOR, CO 80550-5761. LEGAL DACONO, CO 80514-9404. LEGAL DESCRIPTION: BONANZA DRIVE ERIE, CO 80516-8451. LEGAL 5946 WELD COUNTY ROAD 3 ERIE, CO 80516-9322. LEY AVE. FORT LUPTON, CO 80621-2623. LEGAL TOWNHOMES; LOT 11. LENDER: LASALLE BANK. DESCRIPTION: GOVERNORS FARM THIRD FLG FIRST DACONO TWN OF; LOT 3 BLK 33. LENDER: COUNTRY- DESCRIPTION: GRANDVIEW SUB; LOT 2 BLK 4. LENDER: LEGAL DESCRIPTION: SECTION 5 T1N-R68W. LENDER: DESCRIPTION: PHILPOTT ADD; LOT 15 BLK 3. LENDER: AMOUNT DUE: $127084. CASE NO.: 2004-3172442. AMD; LOT 13 BLK 1. LENDER: DEUTSCHE BANK NATION- WIDE HOME LOANS INC. AMOUNT DUE: $164729. CASE HSBC BANK USA NA 2005 HE1. AMOUNT DUE: DEUTSCHE BANK NATIONAL TRUST CO. AMOUNT DUE: HSBC BANK USA. AMOUNT DUE: $158447. CASE NO.: DATE: 8/13/07. AL TRUST CO. AMOUNT DUE: $178188. CASE NO.: 2002- NO.: 2006-3441041. DATE: 8/17/07. $195650. CASE NO.: 2004-3242191. DATE: 8/17/07. $463055. CASE NO.: 2003-3093248. DATE: 8/20/07. 2006-3377772. DATE: 8/24/07. 2987286. DATE: 8/14/07. BORROWER: JENNIFER R. ESQUIBEL, 402 E. 28TH BORROWER: CHARLOTTE M. RODRIGUEZ, 3300 BORROWER: BRIAN D. & LINDSEY M. DIXON, 3318 BORROWER: AMALIA & MANUEL CERRILLO, 1501 BORROWER: VICENTE SOTO, 607 22ND ST. GREELEY, STREET ROAD GREELEY, CO 80631-1215. LEGAL BORROWER: JUSTIN D. & RAY D. GINTHER, 1925 CLAREMONT AVE. EVANS, CO 80620-1430. LEGAL 39TH AVE. EVANS, CO 80620-9164. LEGAL DESCRIP- NINTH ST. GREELEY, CO 80631-3113. LEGAL DESCRIP- CO 80631-7038. LEGAL DESCRIPTION: ALTA VISTA ADD; DESCRIPTION: RIVERVIEW FARM SUB; LOT 6 BLK 3. 28TH AVE., UNIT 20 GREELEY, CO 80634-5768. LEGAL DESCRIPTION: SUNDOWN EST SECOND FLG; LOT 8 BLK TION: ASHCROFT HEIGHTS FIRST FLG; LOT 9 BLK 4. TION: PEERYS SUB; LOT 18 BLK 2. LENDER: LASALLE LOT 9 BLK 9. LENDER: HSBC MORTGAGE SERVICES INC. LENDER: WACHOVIA BANK. AMOUNT DUE: $138554. DESCRIPTION: COTTONWOOD CREEK; LOT A2 BLK 112. 6. LENDER: WELLS FARGO BANK. AMOUNT DUE: LENDER: WACHOVIA BANK. AMOUNT DUE: $163670. BANK. AMOUNT DUE: $156925. CASE NO.: 2003- AMOUNT DUE: $117821. CASE NO.: 2006-3423379. CASE NO.: 2005-3266419. DATE: 8/13/07. LENDER: WACHOVIA BANK. AMOUNT DUE: $111261. $132358. CASE NO.: 2004-3245286. DATE: 8/17/07. CASE NO.: 2004-3141017. DATE: 8/17/07. 3122433. DATE: 8/21/07. DATE: 8/24/07. CASE NO.: 2005-3337185. DATE: 8/14/07. BORROWER: JOSEPH W. & SHANON M. COOPER, B ORROWER: DARRELL E. ATKINS, 3138 WOODBINE B ORROWER: RONNIE MCKINNEY, 5 750 W. 20TH ST., BORROWER: MICHAEL R. HANNIS, 2 33 JACKSON B ORROWER: BRAD LOW, 2821 CORONADO BAY 6819 QUIGLEY CIRCLE FIRESTONE, CO 80504-3458. BORROWER: JULIO C. TREVINO, 4518 W. FIRST ST. LANE JOHNSTOWN, CO 80534-9138. LEGAL DESCRIP- NO. 172 GREELEY, CO 80634-2939. LEGAL DESCRIP- AVE. FIRESTONE, CO 80520. LEGAL DESCRIPTION: EVANS, CO 80620-3628. LEGAL DESCRIPTION: BAY AT LEGAL DESCRIPTION: RIDGE CREST PUD FLG 2; LOT 33 GREELEY, CO 80634-1042. LEGAL DESCRIPTION: TION: CLEARVIEW PUD FIRST FLG; LOT 17 BLK 9. TION: SECTION 15 T5N-R66W. LENDER: US BANK. FIRESTONE; LOT 28 BLK 5. LENDER: CHASE HOME THE LANDINGS AMD; LOT 6 BLK 8. LENDER: LONG BLK 2. LENDER: HSBC BANK USA. AMOUNT DUE: PHEASANT RUN SUB FLG 2; LOT 7 BLK 4. LENDER: LENDER: WORLD SAV. AMOUNT DUE: $190324. CASE AMOUNT DUE: $152892. CASE NO.: 2005-3346448. FINANCIAL LLC. AMOUNT DUE: $111280. CASE NO.: BEACH MORTGAGE LOAN TRUST 2004. AMOUNT DUE: $165175. CASE NO.: 2005-3271678. DATE: 8/14/07. TAYLOR BEAN WHITAKER MORTGAGE CORP. AMOUNT NO.: 2004-3201113. DATE: 8/17/07. DATE: 8/17/07. 2003-3058300. DATE: 8/21/07. $111490. CASE NO.: 2004-3168189. DATE: 8/24/07. DUE: $159548. CASE NO.: 2005-3276208. DATE: BORROWER: AMANDA R. HENRY, 2946 ASH AVE. 8/14/07. BORROWER: BRANDON M. BAILEY, 5905 SCENIC BORROWER: HOWARD W. & VIRGINIA C. ROE, 8308 BORROWER: DEANNA S. & LARRY NOEL, 127 BORROWER: CRAIG A. CORKRAN, 1602 27TH GREELEY, CO 80631-1224. LEGAL DESCRIPTION: AVE. FIRESTONE, CO 80504-5615. LEGAL DESCRIP- WELD COUNTY ROAD 100 NUNN, CO 80648. LEGAL CORVETTE COURT FORT LUPTON, CO 80621-7624. AVENUE COURT GREELEY, CO 80634-4942. LEGAL RIVERVIEW FARM SUB; LOT 4 BLK 10. LENDER: BANKC- BORROWER: SHIRLEY A. FREWIN, 916 PACIFIC TION: BOOTH FARMS SECOND FLG; LOT 4 BLK 8. DESCRIPTION: SECTION 33 T9N-R67W. LENDER: ABN LEGAL DESCRIPTION: APPEL FARM ESTATES FLG 2; LOT DESCRIPTION: ROLLING HILLS FIRST ADD; LOT 7 BLK 1. ITIBANK. AMOUNT DUE: $112300. CASE NO.: 2005- PLACE FORT LUPTON, CO 80621-2517. LEGAL DESCRIP- LENDER: COUNTRYWIDE HOME LOANS INC. AMOUNT AMRO MORTGAGE GROUP INC. AMOUNT DUE: $312796. 71. LENDER: DEUTSCHE BANK TRUST CO. AM. AMOUNT LENDER: WELLS FARGO BANK. AMOUNT DUE: $146127. 3346475. DATE: 8/14/07. TION: LANCASTER N. ADD FIRST FLG; LOT 1 BLK 9. DUE: $237956. CASE NO.: 2006-3398631. DATE: CASE NO.: 2005-3254599. DATE: 8/17/07. DUE: $425000. CASE NO.: 2007-3455359. DATE: CASE NO.: 2005-3278689. DATE: 8/24/07. LENDER: CITIFINANCIAL CORP. AMOUNT DUE: $165123. 8/17/07. 8/21/07. BORROWER: KEVIN S. & ANGEL E. RATZLAFF, 243 CASE NO.: 2003-3125941. DATE: 8/14/07. BORROWER: TERESA L. & WILLIAM E. WOOD, 2767 BORROWER: VICENTE SOTO, 3038 41ST AVENUE RICKER LANE JOHNSTOWN, CO 80534-7471. LEGAL BORROWER: LUIS F. MARTINEZ, 5917 BOOTH DRIVE WELD COUNTY ROAD 39 BRIGHTON, CO 80603. LEGAL BORROWER: EVERETT G. & CHRISTIE BARNHILL, COURT GREELEY, CO 80634-8368. LEGAL DESCRIP- DESCRIPTION: CARLSON FARMS FLG 2; LOT 7 BLK 6. BORROWER: JEAN TAYLOR & CORTNIE BYBEE, FIRESTONE, CO 80504-5580. LEGAL DESCRIPTION: DESCRIPTION: APOLLO SUB; LOT 7. LENDER: 3903 W. 22ND ST. GREELEY, CO 80634-3916. LEGAL TION: GATEWAY ESTATES FLG 3; LOT 1 BLK 16. LENDER: LENDER: CITIMORTGAGE INC. AMOUNT DUE: $279688. 234 N. 53RD AVENUE PLACE GREELEY, CO 80634- BOOTH FARMS FIRST FLG; LOT 12 BLK 13. LENDER: DEUTSCHE BANK NATIONAL TRUST CO. AMOUNT DUE: DESCRIPTION: WILLOWOOD FLG 2; LOT 29 BLK 2. WELLS FARGO BANK. AMOUNT DUE: $211566. CASE CASE NO.: 2005-3331245. DATE: 8/14/07. 4254. LEGAL DESCRIPTION: FOREST GLEN AT KELLY CITIMORTGAGE INC. AMOUNT DUE: $211863. CASE NO.: $429290. CASE NO.: 2005-3342191. DATE: 8/17/07. LENDER: MIDFIRST BANK. AMOUNT DUE: $192161. CASE NO.: 2006-3415012. DATE: 8/24/07. FARM SECOND FLG; LOT 20 BLK 6. LENDER: US BANK. 2004-3223134. DATE: 8/17/07. NO.: 2004-3155684. DATE: 8/21/07. BORROWER: MARK A. & MARY E. REICHERT, 175 AMOUNT DUE: $264502. CASE NO.: 2006-3358187. BORROWER: CALVIN ROY & KARYN KAUFFMAN, BORROWER: GUNNAR J. WEBER, 8833 SHETLAND WALNUT AVE. EATON, CO 80615-3629. LEGAL DESCRIP- DATE: 8/14/07. BORROWER: MICHAEL J. & JOANNE L. GEORGE, 101 MAIN ST. GILCREST, CO 80623. LEGAL DESCRIP- BORROWER: LETICIA GURROLA, 1417 N. 25TH DRIVE FREDERICK, CO 80504-4430. LEGAL DESCRIP- TION: CENTENNIAL SUB TOWN OF EATON; LOT 8 BLK 3. 43 1 13TH AVE. GREELEY, CO 80631-2236. LEGAL TION: GILCREST TWN OF AMD; LOT 28 BLK 33. LENDER: AVENUE COURT GREELEY, CO 80631-9510. LEGAL TION: MOORE FARM SUB; LOT 4 BLK 2. LENDER: INDY- LENDER: WELLS FARGO BANK. AMOUNT DUE: $136500. BORROWER: JOHN A. & TERI SHAE COURREJOU, DESCRIPTION: GREELEY CITY OF; LOT 4 BLK 12. LASALLE BANK. AMOUNT DUE: $170833. CASE NO.: DESCRIPTION: ESPANOLA SUB; LOT 43. LENDER: MAC BANK. AMOUNT DUE: $370050. CASE NO.: 2007- CASE NO.: 2006-3442838. DATE: 8/14/07. 1433 S. HARVESTER DRIVE MILLIKEN, CO 80543-8484. LENDER: NATIONAL CITY BANK. AMOUNT DUE: $110917. 2005-3251335. DATE: 8/17/07. CHASE HOME FINANCIAL LLC. AMOUNT DUE: $63424. 3447043. DATE: 8/24/07. LEGAL DESCRIPTION: CENTENNIAL FARMS SUB; LOT 78 CASE NO.: 2002-2913715. DATE: 8/17/07. CASE NO.: 2004-3221461. DATE: 8/21/07. BORROWER: GARY L. & BELVA J. KAMINSKY, 510 BLK 1. LENDER: LONG BEACH MORTGAGE LOAN TRUST B ORROWER: WILLIAM L. & TAMMY L. WOODS, B ORROWER: CHRISTOPHER W. & JODY YOUNG, LOCUST AVE. LOCHBUIE, CO 80603-5754. LEGAL 2005. AMOUNT DUE: $184351. CASE NO.: 2004-3241518. BORROWER: VICTOR SEPEDA, 4415 S. SHENAN- 33667 WELD COUNTY ROAD 61 75 GILL, CO 80624. BORROWER: JERRY D. & CORTNEY I. MILLER, 33060 WELD COUNTY ROAD 37 GREELEY, CO 80631- DESCRIPTION: HIGHPLAINS FLG 1; LOT 1 BLK 10. DATE: 8/14/07. DOAH ST. GREELEY, CO 80634-9207. LEGAL DESCRIP- LEGAL DESCRIPTION: BARNESVILLE MINOR REPLAT; 4343 WELD COUNTY ROAD 6 ERIE, CO 80516-8202. 9490. LEGAL DESCRIPTION: SECTION 18 T6N-R65W. LENDER: CHASE HOME FINANCIAL LLC. AMOUNT DUE: TION: W. HILL-N-PARK FIRST FLG FIRST REPLAT; LOT 14 LOT. LENDER: BLK 56. AMOUNT DUE: $0. CASE NO.: LEGAL DESCRIPTION: SECTION 23 T1N-R68W. LENDER: LENDER: SKY BANK. AMOUNT DUE: $214920. CASE NO.: $125980. CASE NO.: 2003-3067946. DATE: 8/14/07. BLK 11. LENDER: BANK NEW YORK. AMOUNT DUE: 245850. DATE: 12:00:00 AM. BUCKEYE WELDING SUPPLY CO. INC. AMOUNT DUE: . DATE: 12:00:00 AM. $109600. CASE NO.: 2006-3431622. DATE: 8/17/07. $135000. CASE NO.: 2006-3417354. DATE: 8/21/07. B ORROWER: FRED & BRENDA M. MARTINEZ, 328 B ORROWER: MARK C. & BERNADETTE E. LINTT, E. UNION AVE. LASALLE, CO 80645-3145. LEGAL BORROWER: JUAN A. ZAMORA, 2106 APRICOT AVE. 1507 SIXTH AVE. GREELEY, CO 80631-4129. LEGAL DESCRIPTION: HERRINGTONS ADD TO LASALLE; LOT 14 GREELEY, CO 80631-6086. LEGAL DESCRIPTION: DESCRIPTION: THAYERS SUB PT BLK 166 GREELEY; BLK 2. LENDER: GMAC MORTGAGE LLC. AMOUNT DUE: PARKVIEW MIXED USE; LOT 16 BLK 1. LENDER: CITI- LOT 7 BLK 166. LENDER: NOVASTAR MORTGAGE INC. $115395. CASE NO.: 2000-2773466. DATE: 8/20/07. MORTGAGE INC. AMOUNT DUE: $130534. CASE NO.: AMOUNT DUE: $85447. CASE NO.: 2005-3270402. 2003-3053481. DATE: 8/21/07. DATE: 8/24/07. BORROWER: GUADALUPE SOTO, 2504 14TH AVE. COURT GREELEY, CO 80631-8321. LEGAL DESCRIPTION: BORROWER: BRUCE E. & ARLEEN D. OPP, 117 BORROWER: RONALD A. WOLFSON, 333 25TH FARRS FOURTH ADD; LOT 2 BLK 16. LENDER: WELLS WENATCHEE ST. LOCHBUIE, CO 80603-9709. LEGAL AVENUE COURT, APT. B GREELEY, CO 80631-1543. FARGO BANK. AMOUNT DUE: $126785. CASE NO.: 2005- DESCRIPTION: LOCHWOOD FLG 1 PUD; LOT 11 BLK 8. LEGAL DESCRIPTION: 321 327 333 25TH AVE. COURT; 3296264. DATE: 8/20/07. LENDER: CITIMORTGAGE INC. AMOUNT DUE: $154866. LOT 333B. LENDER: DEUTSCHE BANK NATIONAL TRUST CASE NO.: 2003-3104506. DATE: 8/21/07. CO. AMOUNT DUE: $161817. CASE NO.: 2005-3307025. BORROWER: BENNY LOUIS SCOTT JR., 824 DATE: 8/24/07. GABRIEL COURT DACONO, CO 80514. LEGAL DESCRIP- BORROWER: BILLY J. & CHRISTINE M. GUTIER- TION: CARBON VALLEY PUD REPLAT BLK 2; LOT 12 BLK REZ, 2813 MONTEREY BAY EVANS, CO 80620-3640. BORROWER: BRAD R. & TRACY L. BONNER, 322 1. LENDER: WASHINGTON MUTUAL BANK. AMOUNT LEGAL DESCRIPTION: BAY AT THE LANDINGS AMD; LOT SAXONY ROAD JOHNSTOWN, CO 80534-9290. LEGAL DUE: $129832. CASE NO.: 2004-3245857. DATE: 21 BLK 1. LENDER: AURORA LOAN SERVICES LLC. DESCRIPTION: STROH FARM FLG 3; LOT 2 BLK 2. 8/20/07. AMOUNT DUE: $140918. CASE NO.: 2005-3295945. LENDER: WELLS FARGO BANK. AMOUNT DUE: $361430. DATE: 8/21/07. CASE NO.: 2006-3361143. DATE: 8/24/07. BORROWER: MANUEL GUERRA, 1023 PACIFIC COURT FORT LUPTON, CO 80621-2514. LEGAL DESCRIP- BORROWER: HUMBERTO ESTEVEZ, 4221 W. 30TH BORROWER: ROBERT E. JR. & KRYSILE YARNELL, TION: LANCASTER N. ADD FIRST FLG; LOT 13 BLK 2. STREET ROAD GREELEY, CO 80634-9555. LEGAL 950 COLUMBINE DRIVE WINDSOR, CO 80550-5544. LENDER: LONG BEACH MORTGAGE CO. AMOUNT DUE: DESCRIPTION: GATEWAY ESTATES FLG 3; LOT 13 BLK 6. LEGAL DESCRIPTION: WINDSOR VILLAGE FLG 2 PH 2 & $123837. CASE NO.: 2005-3268766. DATE: 8/20/07. LENDER: BANK NEW YORK. AMOUNT DUE: $208800. 3 REPLAT; LOT 10 BLK 9. LENDER: BANK NEW YORK. CASE NO.: 2006-3395206. DATE: 8/21/07. AMOUNT DUE: $147085. CASE NO.: 2006-3380702. BORROWER: JESUS & ELOISA SALINAS, 1602 39TH DATE: 8/24/07. STREET COURT EVANS, CO 80620-2424. LEGAL BORROWER: ROBERT & SHAWNA RODRIGUEZ, DESCRIPTION: GREEN MEADOW SUB SECOND FLG; LOT 26929 WELD COUNTY ROAD 45 5 GREELEY, CO 80631. BORROWER: MATEO PASCUAL, 930 B ST. GREELEY, 28 BLK 1. LENDER: US BANK. AMOUNT DUE: $133537. LEGAL DESCRIPTION: SECTION 23 T5N-R65W. LENDER: CO 80631-2028. LEGAL DESCRIPTION: CLAYTON PARK; CASE NO.: 2005-3259463. DATE: 8/20/07. WELLS FARGO BANK. AMOUNT DUE: $217202. CASE LOT 8 BLK 26. LENDER: SUNTRUST MORTGAGE INC. NO.: 2004-3234408. DATE: 8/21/07. AMOUNT DUE: $112922. CASE NO.: 2005-3262507. BORROWER: ROBERTO RODRIGUEZ, 530 E. 25TH DATE: 8/24/07. STREET ROAD GREELEY, CO 80631-7309. LEGAL BORROWER: JOSE MONTELONGO, 325 S. ASH KEE- DESCRIPTION: PARKVIEW S.; LOT 8 BLK 3. LENDER: US NESBURG, CO 80643. LEGAL DESCRIPTION: KEENES- BORROWER: KEVIN TUDOR, 2452 VALE WAY ERIE, BANK. AMOUNT DUE: $145415. CASE NO.: 2004- BURG TWN OF; LOT. LENDER: BLK 4. AMOUNT DUE: $0. CO 80516-4035. LEGAL DESCRIPTION: VISTA RIDGE 3165866. DATE: 8/20/07. CASE NO.: 127921. DATE: 12:00:00 AM. FLG 3; LOT 11. LENDER: LONG BEACH MORTGAGE LOAN TRUST 2006. AMOUNT DUE: $417010. CASE NO.: 2005- BORROWER: PATRICIA ANN HAMMOND, 62647 BORROWER: OSVALDO VALENTIN, 510 E. 24TH ST. 3346544. DATE: 8/24/07. WELD COUNTY ROAD 105 GROVER, CO 80729. LEGAL GREELEY, CO 80631-7314. LEGAL DESCRIPTION: DESCRIPTION: SECTION 22 T11N-R60W. LENDER: PARKVIEW S.; LOT 2 BLK 1. LENDER: AURORA LOAN BORROWER: ROBERTO & MARIA IRMA LOPEZ, 1817 DEUTSCHE BANK NATIONAL TRUST CO. AMOUNT DUE: SERVICES LLC. AMOUNT DUE: $154794. CASE NO.: CHESAPEAKE CIRCLE JOHNSTOWN, CO 80534-8343. $83534. CASE NO.: 2006-3386911. DATE: 8/20/07. 2006-3400431. DATE: 8/23/07. LEGAL DESCRIPTION: ROLLING HILLS RANCH PH 10; LOT 165. LENDER: JPMORGAN CHASE BANK. AMOUNT BORROWER: JAMES VAN MCCUTCHEN, 4949 WELD BORROWER: JORGE NORMAN, 14439 MEAD COURT DUE: $210353. CASE NO.: 2004-3229436. DATE: COUNTY ROAD 5 ERIE, CO 80516. LEGAL DESCRIPTION: LONGMONT, CO 80504-9302. LEGAL DESCRIPTION: 8/24/07. PARK LAND EST; LOT 12 BLK 4. LENDER: PHH MORT- SEKICH BUSINESS PARK REPLAT A. L8-12 B1; LOT 8A. GAGE CORP. AMOUNT DUE: $255923. CASE NO.: 1998- LENDER: HORIZON BANK. AMOUNT DUE: $520182. BORROWER: MARY E. SHIELD, 3501 YOSEMITE 2627813. DATE: 8/20/07. CASE NO.: 2002-2993432. DATE: 8/23/07. DRIVE GREELEY, CO 80634-9118. LEGAL DESCRIPTION: W. HILL-N-PARK FIRST FLG FIRST REPLAT; LOT 26 BLK BORROWER: BRUNO LEATTE L. GARCIA, 7227 W. BORROWER: TERRY & CAROL HOLMES, 4960 W. 10. LENDER: CREDIT BASED ASSET SERVICING S. ST. LANE, NO. 20 GREELEY, CO 80634. LEGAL DESCRIP- EIGHTH ST. GREELEY, CO 80634-1244. LEGAL DESCRIP- AMOUNT DUE: $115259. CASE NO.: 2001-2903733. TION: HOMESTEAD HEIGHTS SUB FLG I; LOT 9 BLK 4. TION: WESTMOOR W.; LOT 9 BLK 14. LENDER: WELLS DATE: 8/24/07. LENDER: BANK NEW YORK TRUST CO. AMOUNT DUE: FARGO BANK. AMOUNT DUE: $168709. CASE NO.: $211841. CASE NO.: 2003-3138814. DATE: 8/20/07. 2006-3423789. DATE: 8/23/07. B ORROWER: SCOTT HOFFMAN, 606 PLEASANT VIEW DRIVE FREDERICK, CO 80530-7012. LEGAL BORROWER: LARRY D. & KAYLON A. WATSON, BORROWER: LORRAINE G. WRIGHT, 240 DESCRIPTION: PHEASANT VIEW EST REPLAT A.; LOT 9 3401 W. FIFTH STREET ROAD GREELEY, CO 80634- ROCHESTER DRIVE WINDSOR, CO 80550-5551. LEGAL BLK 1. LENDER: CREDIT SUISSE FIRST BOSTON HEA. 5532. LEGAL DESCRIPTION: FRANKLIN SUB VAC & DESCRIPTION: CORNERSTONE SUB THIRD FLG; LOT 2 AMOUNT DUE: $120891. CASE NO.: 2004-3241162. DATE: REDEDICATION; LOT 25 BLK 2. LENDER: WACHOVIA BLK 2. LENDER: WASHINGTON MUTUAL BANK. 8/24/07. BANK. AMOUNT DUE: $150714. CASE NO.: 2006- AMOUNT DUE: $104819. CASE NO.: 2000-2750688. 3376589. DATE: 8/20/07. DATE: 8/23/07. BORROWER: ANN M. URICH, 3509 POPPI AVE. EVANS, CO 80620-8902. LEGAL DESCRIPTION: TUS- BORROWER: JOSE PORTILLO, 301 OLIVE LANE BORROWER: FRANK M. ZUREY IV, 123 ST., NO. A CANY FIRST FLG; LOT 7 BLK 8. LENDER: CITIMORT- PLATTEVILLE, CO 80651-7500. LEGAL DESCRIPTION: AULT, CO 80610. LEGAL DESCRIPTION: MCGLENN ADD GAGE INC. AMOUNT DUE: $226069. CASE NO.: 2005- REED SUB FIRST FLG; LOT 68. LENDER: WACHOVIA TO AULT; LOT 23 BLK 1. LENDER: DEUTSCHE BANK 3336766. DATE: 8/24/07. BANK. AMOUNT DUE: $177320. CASE NO.: 2007- NATIONAL TRUST. AMOUNT DUE: $126080. CASE NO.: 3446554. DATE: 8/20/07. 2005-3294729. DATE: 8/23/07.

Oct. 12-25, 2007 | www.businessreportdaily.com The Northern Colorado Business Report | 53 LEADS FORECLOSURES • TAX LIENS

BORROWER: MICHAEL G. BRISTOW, 521 17TH ST. BORROWER: SANDRA J. HUNTER, 306 LINDEN ST. BORROWER: ERIC TIDD, 5488 ELDORADO DRIVE BORROWER: ANNETTE L. & MICHAEL C. HEN- BORROWER: MICHAEL L. CRUICKSHANK, 4205 BORROWER: CANDELARIO LUCERO, 1207 SECOND GREELEY, CO 80631-5819. LEGAL DESCRIPTION: FREDERICK, CO 80530-7024. LEGAL DESCRIPTION: FREDERICK, CO 80504-5801. LEGAL DESCRIPTION: DRICKS, 1335 REDWOOD DRIVE WINDSOR, CO 80550- CORONADO ST. GREELEY, CO 80634-9234. LEGAL ST. GREELEY, CO 80631-2202. LEGAL DESCRIPTION: COLUMBINE; LOT 3 BLK 1. LENDER: BANK NEW YORK. MAPLEWOOD SUB FLG 2; LOT 19 BLK 3. LENDER: CITI- JOHNSON FARM SUB; LOT 17 BLK 16. LENDER: BS ALT 4603. LEGAL DESCRIPTION: WINDSOR MANOR SUB DESCRIPTION: W. HILL-N-PARK FIRST FLG FIRST BILLINGS SUB; LOT 2 BLK 2. LENDER: DEUTSCHE BANK AMOUNT DUE: $123487. CASE NO.: 2004-3166985. MORTGAGE INC. AMOUNT DUE: $131006. CASE NO.: A. 2005 7. AMOUNT DUE: $291102. CASE NO.: 2005- FIFTH FLG; LOT 4 BLK 3. LENDER: CITIMORTGAGE INC. REPLAT; LOT 13 BLK 13. LENDER: DEUTSCHE BANK NATIONAL TRUST CO. AMOUNT DUE: $129698. CASE DATE: 8/24/07. 2004-3192179. DATE: 8/28/07. 3282682. DATE: 8/28/07. AMOUNT DUE: $161494. CASE NO.: 2005-3306986. NATIONAL TRUST CO. AMOUNT DUE: $88450. CASE NO.: 2005-3336998. DATE: 9/4/07. DATE: 8/28/07. NO.: 2004-3179450. DATE: 8/31/07. BORROWER: JOEL W. SHAW, 2985 STATE FARM BORROWER: DANIEL & HANNAH SANDY, 7997 BORROWER: DELADA VALERO, 513 EIGHTH ST. BORROWER: JERRY OHU, 10215 DEERFIELD ST. FIRE- ROAD EVANS, CO 80620. LEGAL DESCRIPTION: CAS- PROSPERITY COURT FREDERICK, CO 80530-4811. GREELEY, CO 80631-2437. LEGAL DESCRIPTION: GREE- BORROWER: ANNA C. SCHNEIDER, 1833 EVANS BORROWER: MHS DEVL CORP.. LEGAL DESCRIPTION: STONE, CO 80504-6568. LEGAL DESCRIPTION: ST. SELL SUB; LOT 4. LENDER: PROPERTY ASSET MANAGE- LEGAL DESCRIPTION: ANGEL VIEW ESTATES SUB; LOT 8 LEY CITY OF; LOT 26 BLK 41. LENDER: GMAC MORT- LANE LOCHBUIE, CO 80603-5820. LEGAL DESCRIP- FOREST GLEN AT KELLY FARM THIRD FLG; LOT 3 BLK 2. VRAIN RANCH SUB FLG VI; LOT 5 BLK 1. LENDER: MENT INC. AMOUNT DUE: $282939. CASE NO.: 2005- BLK 4. LENDER: HSBC BANK USA. AMOUNT DUE: GAGE LLC. AMOUNT DUE: $87646. CASE NO.: 2005- TION: SILVER PEAKS FLG 2; LOT 16 BLK 2. LENDER: LENDER: CENTENNIAL BANK W. AMOUNT DUE: $96899. CITIBANK. AMOUNT DUE: $394361. CASE NO.: 2006- 3354077. DATE: 8/24/07. $531862. CASE NO.: 2006-3402080. DATE: 8/28/07. 3285030. DATE: 8/28/07. BANK NEW YORK. AMOUNT DUE: $168892. CASE NO.: CASE NO.: 2004-3171935. DATE: 9/4/07. 3373136. DATE: 9/4/07. 2007-3446938. DATE: 8/28/07. BORROWER: GLENN ALLEN & ARNETTA THOMP- BORROWER: YESENIA DELEON, 1103 STAGE DRIVE BORROWER: CANDRA J. SMITH, 1115 E. 20TH ST. BORROWER: MASTER HOME SOURCE CORP., 230 N. BORROWER: LINDSEY & JUSTIN KLEINSORGE, SON, 1012 LANCASTER AVE. FORT LUPTON, CO 80621- FORT LUPTON, CO 80621-2748. LEGAL DESCRIPTION: GREELEY, CO 80631-6110. LEGAL DESCRIPTION: SEC- BORROWER: ELVIRA M. FLYNN, 1207 12TH AVE. 52ND AVE. GREELEY, CO 80634-4263. LEGAL DESCRIP- 4219 LARKSPUR ROAD EVANS, CO 80620-9228. LEGAL 2506. LEGAL DESCRIPTION: LANCASTER N. ADD THIRD LANCASTER N. ADD FIFTH FLG; LOT 7 BLK 1. LENDER: TION 9 T5N-R65W. LENDER: BANK NEW YORK. GREELEY, CO 80631-3719. LEGAL DESCRIPTION: GREE- TION: FOREST GLEN AT KELLY FARM THIRD FLG; LOT 11 DESCRIPTION: RIDGE AT PRAIRIE VIEW PUD AMD; LOT FLG; LOT 4 BLK 3. LENDER: DUETSCHE BANK NATION- COUNTRYWIDE HOME LOANS INC. AMOUNT DUE: AMOUNT DUE: $200000. CASE NO.: 2004-3238302. LEY CITY OF; LOT 1 BLK 93. LENDER: DEUTSCHE BANK BLK 2. LENDER: CENTENNIAL BANK W. AMOUNT DUE: 14 BLK 3. LENDER: SARM 2005 15. AMOUNT DUE: AL TRUST CO. AMOUNT DUE: $156007. CASE NO.: $128695. CASE NO.: 2000-2804980. DATE: 8/28/07. DATE: 8/28/07. NATIONAL TRUST CO. AMOUNT DUE: $126248. CASE $302400. CASE NO.: 2006-3395551. DATE: 9/4/07. $132636. CASE NO.: 2005-3289327. DATE: 9/4/07. 2003-3112055. DATE: 8/24/07. NO.: 2004-3194715. DATE: 8/28/07. B ORROWER: JASON C. SCHMIDT, 5 775 W. 29TH ST., BORROWER: DANIEL K. DEVENBERG JR., 4 21 26TH B ORROWER: KRISTOPHER S. SAUL, Y1116 COUNTR B ORROWER: SHARPE LLC. LE GAL DESCRIPTION: BORROWER: MARIA ALICIA & CARLOS GONZALEZ, UNIT 1110 GREELEY, CO 80634-8346. LEGAL DESCRIP- AVENUE COURT GREELEY, CO 80634-2624. LEGAL BORROWER: SHANNON & JEFFERY LUCERO, 1740 ACRES COURT JOHNSTOWN, CO 80534-8476. LEGAL SHARPE SUB FIRST FLG; LOT 1 BLK 2. LENDER: CEN- 213 6 WEDGEWOOD COURT GREELEY, CO 80631-6043. TION: W. FORK VILLAGE CONDOS; LOT 1110 BLK 11. DESCRIPTION: BROADVIEW AC THIRD ADD; LOT 4 BLK SUNTIDE DRIVE JOHNSTOWN, CO 80534-8368. LEGAL DESCRIPTION: COUNTRY ACRES SUB EIGHTH FLG; LOT TENNIAL BANK W. AMOUNT DUE: $3522023. CASE NO.: LEGAL DESCRIPTION: WEDGWOOD PUD; LOT 6 BLK 5. LENDER: HSBC MORTGAGE SERVICES INC. AMOUNT 4. LENDER: BS ALT A. 2005 9. AMOUNT DUE: $100000. DESCRIPTION: ROLLING HILLS RANCH PH 14; LOT 47. 17. LENDER: SUNTRUST BANK INC. AMOUNT DUE: 2005-3284180. DATE: 9/4/07. LENDER: COLO HOUSING FINANCIAL AUTHORITY. DUE: $103172. CASE NO.: 2004-3224011. DATE: 8/28/07. CASE NO.: 2006-3368141. DATE: 8/28/07. LENDER: BANK NEW YORK. AMOUNT DUE: $164489. $252000. CASE NO.: . DATE: 12:00:00 AM. AMOUNT DUE: $91924. CASE NO.: 2000-2778289. DATE: CASE NO.: 2005-3292719. DATE: 8/28/07. BORROWER: SIMON GAMEZ, 2833 39TH AVE. GREE- 8/27/07. BORROWER: WHITNEY L. MOORE, 1985 WELD BORROWER: DANNY L. & HANNAH T. MILLER, 2432 BORROWER: JAMES L. & TERESA J. NEUFELD, LEY, CO 80634-8356. LEGAL DESCRIPTION: GATEWAY COUNTY ROAD 55 KEENESBURG, CO 80643. LEGAL CEDAR AVE. GREELEY, CO 80631-7917. LEGAL DESCRIP- BORROWER: ISIDRO DOMINGUEZ, 2445 BALSAM 1215 53RD AVE. GREELEY, CO 80634-2104. LEGAL LAKES; LOT 8 BLK 3. LENDER: DEUTSCHE BANK B ORROWER: SANDRA J. HUNTER, 3 06 LINDEN ST. DESCRIPTION: SECTION 28 T1N-R64W. LENDER: NEW TION: E. MEADOWS SUB FIRST FLG; LOT 8 BLK 2. AVE. GREELEY, CO 80631-9073. LEGAL DESCRIPTION: DESCRIPTION: COUNTRY CLUB W. FLG 2; LOT 7 BLK 6. NATIONAL TRUST CO. AMOUNT DUE: $188000. CASE FREDERICK, CO 80530-7024. LEGAL DESCRIPTION: CENTURY HOME EQUITY LOAN T. AMOUNT DUE: LENDER: CMLTI 2006 WFHE3. AMOUNT DUE: $101327. PARKVIEW S.; LOT 16 BLK 2. LENDER: NATIONAL CITY LENDER: CENTENNIAL BANK W. AMOUNT DUE: $99022. NO.: 2005-3279869. DATE: 9/4/07. MAPLEWOOD SUB FLG 2; LOT 19 BLK 3. LENDER: CITI- $199369. CASE NO.: 2004-3183862. DATE: 8/28/07. CASE NO.: 2006-3411511. DATE: 8/28/07. MORTGAGE CO. AMOUNT DUE: $150659. CASE NO.: CASE NO.: 2006-3443678. DATE: 9/4/07. MORTGAGE INC. AMOUNT DUE: $131006. CASE NO.: 2004-3186042. DATE: 8/28/07. BORROWER: ELLEANA & KENNETH DOYKOS, 898 2004-3192179. DATE: 8/27/07. BORROWER: PHILIP M. & CANDACE LE SAPORT, BORROWER: MARIA LOPEZ, 1741 OAK ST. FORT LUP- BORROWER: MHS DEVL CORP.. LEGAL DESCRIPTION: WELD COUNTY ROAD 10 1/2 ERIE, CO 80516. LEGAL 1368 EAGLE COURT WINDSOR, CO 80550-3327. LEGAL TON, CO 80621-2456. LEGAL DESCRIPTION: ASPEN HILL BORROWER: WILLIAM C. & BONNIE M. COOPER, POUDRE RIVER RANCH THIRD FLG; LOT 3 BLK 17. DESCRIPTION: SECTION 7 T1N-R68W. LENDER: NATION- BORROWER: JOHN RIVERA, 2135 WEDGEWOOD DESCRIPTION: HILLTOP ESTATES SUB; LOT 23. LENDER: ADD; LOT 14. LENDER: MIDFIRST BANK. AMOUNT DUE: 1216 BALDRIDGE DRIVE SEVERANCE, CO 80546. LEGAL LENDER: CENTENNIAL BANK W. AMOUNT DUE: $191672. AL CITY BANK. AMOUNT DUE: $343272. CASE NO.: DRIVE GREELEY, CO 80631-6048. LEGAL DESCRIPTION: NEW FRONTIER BANK. AMOUNT DUE: $196612. CASE $189258. CASE NO.: 2005-3263984. DATE: 8/28/07. DESCRIPTION: BALDRIDGE SUB SECOND FLG; LOT 17 CASE NO.: 2006-3395553. DATE: 9/4/07. 2005-3296735. DATE: 9/4/07. WEDGWOOD PUD; LOT 16 BLK 5. LENDER: DEUTSCHE NO.: 2006-3439032. DATE: 8/28/07. BLK 6. LENDER: WELLS FARGO BANK. AMOUNT DUE: BANK NATIONAL TRUST CO. AMOUNT DUE: $105128. BORROWER: CHARLES MEYER, 305 S. FRANCES $347559. CASE NO.: 2005-3338376. DATE: 8/30/07. BORROWER: DAVID A. SMITH, 3515 SAN MATEO AVE. BORROWER: JOHNNY RIVERA, 927 E. 25TH STREET CASE NO.: 2006-3374616. DATE: 8/27/07. BORROWER: WILLIAM L. HOFFMAN, 216 TARTAN AVE. MILLIKEN, CO 80543-8313. LEGAL DESCRIPTION: EVANS, CO 80620-8922. LEGAL DESCRIPTION: TUS- ROAD GREELEY, CO 80631-7906. LEGAL DESCRIPTION: DRIVE JOHNSTOWN, CO 80534-7427. LEGAL DESCRIP- MILLIKEN TWN OF BLK 91 RPLT; LOT 6. LENDER: BORROWER: VINCENTE S. & MARIA G. HOLGUIN, CANY FIRST FLG; LOT 10 BLK 1. LENDER: BANK NEW E. MEADOWS SUB SECOND FLG; LOT 36 BLK 7. LENDER: BORROWER: RANDELL C. & MICHELLE THOMAS, TION: CORBETT GLEN FLG 1; LOT 9. LENDER: GSAA DEUTSCHE BANK NATIONAL TRUST CO. AMOUNT DUE: 2 41 E. HOLLY ST. MILLIKEN, CO 80543-9108. LEGAL YORK. AMOUNT DUE: $280203. CASE NO.: 2004- BANK NEW YORK. AMOUNT DUE: $95975. CASE NO.: 514 41ST AVE. GREELEY, CO 80634-1420. LEGAL HOME EQUITY TRUST 2006 3. AMOUNT DUE: $175570. $114957. CASE NO.: 2006-3352049. DATE: 8/28/07. DESCRIPTION: WAL MAR THIRD SUB; LOT 11 BLK 3. 3183847. DATE: 9/4/07. 2005-3302013. DATE: 9/4/07. DESCRIPTION: WESTMOOR AC FIRST FLG; LOT 30 BLK CASE NO.: 2005-3348413. DATE: 8/28/07. LENDER: AURORA LOAN SERVICES LLC. AMOUNT DUE: 8. LENDER: HSBC BANK USA. AMOUNT DUE: $206073. BORROWER: MARTIN J. & ELIZABETH TIFFANY, $154039. CASE NO.: 2003-3049783. DATE: 8/31/07. BORROWER: ERIC L. TIDD, 5483 ELDORADO DRIVE CASE NO.: 2005-3327008. DATE: 8/27/07. BORROWER: EUGENE & MARCELLA ARCHIBEQUE, 11203 COAL MINE ST. FIRESTONE, CO 80504-5777. FREDERICK, CO 80504-5800. LEGAL DESCRIPTION: FEDERAL TAX LIENS 440 E. MAIN ST. PIERCE, CO 80650. LEGAL DESCRIP- LEGAL DESCRIPTION: MOUNTAIN SHADOWS SUB FLG 1 BORROWER: GERRY A. & KRISTI S. SANDERSON, JOHNSON FARM SUB; LOT 12 BLK 15. LENDER: CREDIT BORROWER: JEREMY SPIVEY, 17167 WELD COUNTY TION: CAVE & PRIDDY ADD; LOT 13 BLK 8. LENDER: FIRESTONE; LOT 5 BLK 7. LENDER: NATIONAL CITY 1816 DILMONT AVE. GREELEY, CO 80631-6207. LEGAL SUISSE FIRST BOSTON MBS. AMOUNT DUE: $256321. Federal tax liens are claims filed by the U.S. govern- ROAD 31 PLATTEVILLE, CO 80651. LEGAL DESCRIPTION: AVELO MORTGAGE LLC. AMOUNT DUE: $76284. CASE BANK. AMOUNT DUE: $210338. CASE NO.: 2004- DESCRIPTION: LINDALE SUB; LOT 52. LENDER: GMAC CASE NO.: 2004-3186425. DATE: 9/4/07. ment against assets of an individual or corporation SECTION 4 T3N-R66W. LENDER: CITIMORTGAGE INC. NO.: 2006-3410370. DATE: 8/28/07. 3197634. DATE: 8/28/07. MORTGAGE LLC. AMOUNT DUE: $119981. CASE NO.: for nonpayment of taxes. AMOUNT DUE: $38807. CASE NO.: 2005-3341991. DATE: 2002-2948071. DATE: 8/31/07. BORROWER: JOSE & MARY LOU HERNANDEZ, 914 8/27/07. B ORROWER: KATHY SAYLOR, 2223 SADDLE BACK B ORROWER: ARMANDO & FEDERICO GONZALES, BROAD ST. MILLIKEN, CO 80543-8222. LEGAL DESCRIP- LARIMER COUNTY COURT FORT LUPTON, CO 80621-4630. LEGAL 15 13 FOURTH AVE. GREELEY, CO 80631-4145. LEGAL B ORROWER: DEBRA & DAVID CARMICHAEL, 5674 TION: MILLIKEN TWN OF; LOT 1 BLK 57. LENDER: GREE- BORROWER: RODNEY GARCIA, 3029 41ST AVE. DESCRIPTION: COYOTE CREEK FLG 3 FIRST AMD; LOT DESCRIPTION: GREELEY CITY OF; LOT. LENDER: BLK WELD COUNTY ROAD 61 KEENESBURG, CO 80643-8729. LEY WELD ECONOMIC DEVL ACT. AMOUNT DUE: DEBTOR: ASPEN CANYON INS INC., 916 N. CLEVE- GREELEY, CO 80634-8367. LEGAL DESCRIPTION: GATE- 3A BLK 3. LENDER: COUNTRYWIDE HOME LOANS INC. 168. AMOUNT DUE: $0. CASE NO.: 118174. DATE: LEGAL DESCRIPTION: SECTION 6 T1N-R63W. LENDER: $48451. CASE NO.: 2000-2808476. DATE: 9/4/07. LAND AVE. LOVELAND, CO 80537-4719. CREDITOR: IRS. WAY ESTATES FLG 3; LOT 11 BLK 16. LENDER: WELLS AMOUNT DUE: $303919. CASE NO.: 2005-3278732. 12:00:00 AM. WELLS FARGO BANK. AMOUNT DUE: $226566. CASE AMOUNT: $20153. DATE: 8/20/07. FARGO BANK. AMOUNT DUE: $212279. CASE NO.: 2006- DATE: 8/28/07. NO.: 2005-3318330. DATE: 8/31/07. BORROWER: RONALD A. WOLFSON, 333 25TH 3396711. DATE: 8/27/07. AVENUE COURT, APT. A GREELEY, CO 80631-1543. DEBTOR: CLINTON L. BORKOWSKI, 508 HUNTING- LEGAL DESCRIPTION: 321 327 333 25TH AVENUE TON HILLS DRIVE FORT COLLINS, CO 80525-4154. COURT; LOT 333A. LENDER: HSBC MORTGAGE SER- CREDITOR: IRS. AMOUNT: $8292. DATE: 8/17/07. VICES INC. AMOUNT DUE: $166528. CASE NO.: 2005- 3307024. DATE: 9/4/07.

54 | The Northern Colorado Business Report www.ncbr.com | Oct. 12-25, 2007 LEADS TAX LIENS • CIVIL JUDGMENTS

DEBTOR: LONNIE R. & MICHELLE S. BROWN, 8330 DEBTOR: CHARLES MOYER, 2 24 N LINCOLN AVE. DEBTOR: GARY MATHEWS, 4 20 E. TRILBY ROAD DEBTOR: KPP GREELEY INC., 2457 W. 29TH ST. DEBTOR: ALL PRO AUTO BODY INC., 3714 CARSON DEBTOR: KAREN DURANTE, 812 EAGLE DRIVE LOVE- BUTEOS COURT FORT COLLINS, CO 80524-3773. CREDI- LOVELAND, CO 80537-5652. CREDITOR: IRS. AMOUNT: FORT COLLINS, CO 80525-4140. CREDITOR: IRS. GREELEY, CO 80631-8524. CREDITOR: IRS. AMOUNT: AVE. EVANS, CO 80620-2502. CREDITOR: IRS. AMOUNT: LAND, CO 80537-8063. CREDITOR: U.S. DISTRICT TOR: IRS. AMOUNT: $7613. DATE: 8/7/07. $4076. DATE: 8/17/07. AMOUNT: $13996. DATE: 8/28/07. $24759. DATE: 8/20/07. $7755. DATE: 8/27/07. COURT OF COLORADO. AMOUNT: $564. DATE: 8/24/07.

DEBTOR: DAVID JEFF BROWNING, 1982 CREEDE DEBTOR: KAREN E. RICHARDS, 1016 MAUREEN DEBTOR: SCOTT F. MAY, 1630 RAVEN CIRCLE, UNIT H. DEBTOR: KPP GREELEY INC., 2467 W. 29TH ST. DEBTOR: PAUL RICHARD BARELA, 731 GRAND AVE. WELD COUNTY AVE. LOVELAND, CO 80538-5589. CREDITOR: IRS. DRIVE BERTHOUD, CO 80513-8670. CREDITOR: IRS. ESTES PARK, CO 80517-9477. CREDITOR: IRS. AMOUNT: GREELEY, CO 80631-8524. CREDITOR: IRS. AMOUNT: PLATTEVILLE, CO 80651-7598. CREDITOR: IRS. AMOUNT: $4779. DATE: 8/7/07. AMOUNT: $18643. DATE: 8/17/07. $5262. DATE: 8/28/07. $6987. DATE: 8/20/07. AMOUNT: $37498. DATE: 8/27/07. DEBTOR: STEPHEN L. BUSH, 5405 W. 16TH STREET LANE GREELEY, CO 80634-2974. CREDITOR: U.S. DIS- DEBTOR: JOHN L. CARTER, 1525 QUAIL HOLLOW DEBTOR: CHARLES S. STRICKLAND, 749 S. LEMAY DEBTOR: DANIEL J. MYERS, 435 DENVER AVE. DEBTOR: KT FLOORING LLC, 2040 E. EIGHTH ST. DEBTOR: CARROLL ENTERPRISES INC., 1506 TRICT COURT OF COLORADO. AMOUNT: $20785. DATE: DRIVE FORT COLLINS, CO 80525-2970. CREDITOR: U.S. AVE., SUITE A3 216 FORT COLLINS, CO 80524-3279. LOVELAND, CO 80537-5129. CREDITOR: IRS. AMOUNT: GREELEY, CO 80631-9144. CREDITOR: IRS. AMOUNT: EIGHTH AVE. GREELEY, CO 80631-4606. CREDITOR: IRS. 8/21/07. DISTRICT COURT OF COLORADO. AMOUNT: $23642. CREDITOR: IRS. AMOUNT: $2487. DATE: 8/7/07. $76080. DATE: 8/30/07. $26211. DATE: 8/20/07. AMOUNT: $12511. DATE: 9/5/07. DATE: 8/14/07. DEBTOR: BARNEY D. MARTINEZ. CREDITOR: U.S. DEBTOR: JOHN T. STUBER, 2206 SHROPSHIRE AVE. DEBTOR: CAROLINE P. NEEL, 927 CONIFER PLACE DEBTOR: TERRY LEE & PAMELA EL MASZTALER, DEBTOR: FAITHFUL CREATIONS CATERING INC., DISTRICT COURT OF COLORADO. AMOUNT: $1610. DATE: DEBTOR: JOHN J. & PAMELA ERICKSON, 1550 W. FORT COLLINS, CO 80526-1212. CREDITOR: IRS. LOVELAND, CO 80538-2131. CREDITOR: IRS. AMOUNT: 336 53RD AVE. GREELEY, CO 80634-4223. CREDITOR: 1003 TETON COURT WINDSOR, CO 80550-5735. CREDI- 8/23/07. 28TH ST., APT. B6 LOVELAND, CO 80538-3154. CREDI- AMOUNT: $16043. DATE: 8/17/07. $7275. DATE: 8/27/07. IRS. AMOUNT: $11848. DATE: 8/20/07. TOR: IRS. AMOUNT: $11471. DATE: 9/5/07. TOR: IRS. AMOUNT: $23368. DATE: 8/7/07. DEBTOR: TWIN B INC., 850 S. LINCOLN AVE. LOVE- DEBTOR: DEBRA K. PITTINGTON. CREDITOR: IRS. DEBTOR: JOSE N. & JUDITH MORALES, 16689 DEBTOR: JOHN E. GALINDO, 1224 12TH AVE. GREE- CIVIL JUDGMENTS DEBTOR: GILBERTO ESPINOZA, 123 W. 47TH PLACE LAND, CO 80537-6337. CREDITOR: IRS. AMOUNT: AMOUNT: $23708. DATE: 8/17/07. WELD COUNTY ROAD 13 PLATTEVILLE, CO 80651. LEY, CO 80631-3720. CREDITOR: IRS. AMOUNT: $8417. LOVELAND, CO 80538-1704. CREDITOR: IRS. AMOUNT: $7242. DATE: 8/17/07. CREDITOR: IRS. AMOUNT: $121223. DATE: 8/20/07. DATE: 9/5/07. Judgments constitute decisions by a court of law $16215. DATE: 8/7/07. DEBTOR: MICHAEL RETHKE, 2906 P.O. BOX 1202 against an individual or corporation for payment of DEBTOR: RANDY S. & BARBARA A. WEISS, 4907 BERTHOUD, CO 80513-2202. CREDITOR: IRS. AMOUNT: DEBTOR: RAY L. MORRISON, 1298 MAIN ST., UNIT A. DEBTOR: ELLIOT M. GOLDBAUM, 1118 18TH ST. monetary damages. DEBTOR: PAUL M. GEIGER, 3712 S. TAFT AVE. LOVE- CLARENDON HILLS DRIVE FORT COLLINS, CO 80526- $7232. DATE: 8/28/07. WINDSOR, CO 80550-7906. CREDITOR: IRS. AMOUNT: GREELEY, CO 80631-5406. CREDITOR: IRS. AMOUNT: LAND, CO 80537-7408. CREDITOR: IRS. AMOUNT: 3925. CREDITOR: IRS. AMOUNT: $14527. DATE: 8/20/07. $5789. DATE: 8/20/07. $9042. DATE: 9/5/07. LARIMER COUNTY $13554. DATE: 8/17/07. DEBTOR: KAREN E. RICHARDS. CREDITOR: IRS. DEBTOR: RICHARD K. WELCH, 2109 P.O. BOX 1412 AMOUNT: $10582. DATE: 8/17/07. DEBTOR: DAVID A. & DEBORAH C. MUNGER, 336 DEBTOR: ARMANDO GONZALEZ, 3410 W. FOURTH DEBTOR: LARRY G. KLATT, CREDITOR: CHASE BANK DEBTOR: KEN GOLDSBERRY, 2810 ESTHER COURT BERTHOUD, CO 80513-2412. CREDITOR: IRS. AMOUNT: P.O. BOX 672 KERSEY, CO 80644-0672. CREDITOR: IRS. ST., NO. D GREELEY, CO 80631-2517. CREDITOR: IRS. USA. AMOUNT: $6864. CASE NO.: C-01C-200958. DATE: LOVELAND, CO 80537-7830. CREDITOR: IRS. AMOUNT: $14811. DATE: 8/20/07. DEB TOR: GREGORIO M. SERNA, 2906 SAGEBRUSH AMOUNT: $12253. DATE: 8/20/07. AMOUNT: $4504. DATE: 8/27/07. 8/7/07. $3163. DATE: 8/20/07. DRIVE FORT COLLINS, CO 80525-2492. CREDITOR: IRS. DEB TOR: JOHN A. WIMMER, 2 021 W. EISENHOWER AMOUNT: $3977. DATE: 8/28/07. DEB TOR: PKEXPRESS ENTERPRISES LLC, 220 DEBTOR: INTEGRATED MORTGAGE SERVICES INC., DEBTOR: ROYAL GOOSE INC., CREDITOR: HOME DEBTOR: GREAT DIVIDE RESTAURANT CORP., 1000 BLVD. LOVELAND, CO 80537-3100. CREDITOR: IRS. MAIN ST., UNIT F WINDSOR, CO 80550-5047. CREDI- 1873 S. BELLAIRE ST., SUITE 400 DENVER, CO 80222- VEST CAPITAL LLC. AMOUNT: $48212. CASE NO.: C- P.O. BOX 2128 ESTES PARK, CO 80517-2128. CREDITOR: AMOUNT: $6219. DATE: 8/20/07. DEBTOR: MARGARET J. SULLIVAN, 2602 TIMBER- TOR: IRS. AMOUNT: $70271. DATE: 8/20/07. 4389. CREDITOR: IRS. AMOUNT: $11326. DATE: 8/31/07. 07CV-000270. DATE: 8/7/07. IRS. AMOUNT: $22694. DATE: 8/10/07. WOOD DRIVE, UNIT 7 FORT COLLINS, CO 80528-8533. DEBTOR: WOOD WORKS INC., 844 SCARBOROUGH CREDITOR: IRS. AMOUNT: $1263. DATE: 8/27/07. DEBTOR: ELAINE M. QUINTANA, 1414 16TH AVENUE DEBTOR: RONALD B. & SHELLI R. KELLY, 445 DEBTOR: GINA L. AZULAY, CREDITOR: CAPITAL ONE. DEBTOR: LOUIS J. HAZEN, 4501 BOARDWALK DRIVE, DRIVE LOVELAND, CO 80538-7742. CREDITOR: IRS. COURT GREELEY, CO 80631-4538. CREDITOR: IRS. PEREGRINE POINTE EATON, CO 80615-8243. CREDITOR: AMOUNT: $3214. CASE NO.: C-07C-001132. DATE: 8/7/07. UNIT D30 FORT COLLINS, CO 80525-3243. CREDITOR: AMOUNT: $2602. DATE: 8/7/07. DEB TOR: JOHN R. VAUGHT, 18 519 WELD COUNTY AMOUNT: $22300. DATE: 8/20/07. IRS. AMOUNT: $14141. DATE: 8/31/07. IRS. AMOUNT: $6159. DATE: 8/16/07. ROAD 5 BERTHOUD, CO 80513. CREDITOR: IRS. DEBTOR: SHEILA A. YOUNG, CREDITOR: CAPITAL DEBTOR: CHRIS WRIGHT, 3100 SILVERTHORNE DRIVE AMOUNT: $15193. DATE: 8/28/07. DEBTOR: SAMUEL RAMOS, 2304 W. NINTH ST., APT. DEBTOR: JOANN KILGORE, 2342 BIRDIE DRIVE MIL- ONE BANK. AMOUNT: $24900. CASE NO.: C-07CV- DEBTOR: TODD I. JOHNSON, 916 P.O. BOX 803 FORT COLLINS, CO 80526-2726. CREDITOR: IRS. 10 GREELEY, CO 80634-5939. CREDITOR: IRS. AMOUNT: LIKEN, CO 80543-9640. CREDITOR: IRS. AMOUNT: 000249. DATE: 8/7/07. WINDSOR, CO 80550-0803. CREDITOR: IRS. AMOUNT: AMOUNT: $5006. DATE: 8/7/07. WELD COUNTY $13611. DATE: 8/9/07. $31371. DATE: 8/31/07. $34417. DATE: 8/20/07. DEBTOR: ERIK BELMAREZ, CREDITOR: ALLIED BLDG DEBTOR: AL SALAM GROUP LTD., 822 S. COLLEGE DEBTOR: AIRTECH HVAC SERVICES LLC, 2002 DEBTOR: THOMAS RIZZI, 214 JOHNSON ST. FREDER- DEBTOR: PATTI LARA, 1118 P.O. BOX 7 NUNN, CO PRODUCTS CORP. A. N. AMOUNT: $31060. CASE NO.: C- DEBTOR: ERIC KALEN, 2539 GILPIN COURT LOVE- AVE. FORT COLLINS, CO 80524-3302. CREDITOR: IRS. FIRST AVE. GREELEY, CO 80631-7220. CREDITOR: IRS. ICK, CO 80530-8026. CREDITOR: IRS. AMOUNT: $11549. 80648-0007. CREDITOR: IRS. AMOUNT: $7438. DATE: 07CV-000470. DATE: 8/7/07. LAND, CO 80538-2995. CREDITOR: IRS. AMOUNT: AMOUNT: $16952. DATE: 8/30/07. AMOUNT: $24527. DATE: 8/20/07. DATE: 8/20/07. 9/5/07. $5578. DATE: 8/20/07. DEBTOR: ROBERT H. WEBER, CREDITOR: LIBERTY DEBTOR: MARJORIE A. ANDREWS, 5107 GRANITE DEBTOR: ANSCI PRODUCTS INC., 6380 W. 10TH ST., DEBTOR: RPD SERVICES INC., 9249 EASTMAN PARK DEBTOR: CAROLINA MARTINEZ, 11395 WELD COUN- ACQUISITIONS LLC. AMOUNT: $15000. CASE NO.: C- DEBTOR: CHARLES L. KETTERING, 4230 STRING- ST. LOVELAND, CO 80538-1619. CREDITOR: IRS. SUITE 18 GREELEY, CO 80634-9791. CREDITOR: IRS. DRIVE WINDSOR, CO 80550-3318. CREDITOR: IRS. TY ROAD 40 PLATTEVILLE, CO 80651-0223. CREDITOR: 07C-005663. DATE: 8/8/07. TOWN DRIVE LOVELAND, CO 80538-6145. CREDITOR: AMOUNT: $25766. DATE: 8/28/07. AMOUNT: $180. DATE: 8/20/07. AMOUNT: $91157. DATE: 8/20/07. IRS. AMOUNT: $24863. DATE: 8/27/07. IRS. AMOUNT: $7945. DATE: 8/7/07. DEBTOR: NANCY CRESPO, CREDITOR: LIBERTY DEBTOR: LONNIE R. BUCK, 2500 E. HARMONY DEBTOR: BNW ENTERPRISES LLC, 2644 11TH AVE., DEBTOR: VONDA C. SISNEROS, 1446 FAIRFIELD AVE. DEBTOR: MARILYN A. PARGAS, 1118 P.O. BOX 1135 ACQUISITIONS LLC. AMOUNT: $5822. CASE NO.: C-07C- DEBTOR: KITCHEN BATH LOFT LTD., 2415 E. MUL- ROAD, LOT 63 FORT COLLINS, CO 80528-9552. CREDI- SUITE B GREELEY, CO 80631-8490. CREDITOR: IRS. WINDSOR, CO 80550-5818. CREDITOR: IRS. AMOUNT: GREELEY, CO 80632-1135. CREDITOR: IRS. AMOUNT: 005419. DATE: 8/8/07. BERRY, NO. 11 FORT COLLINS, CO 80524-3644. CREDI- TOR: IRS. AMOUNT: $6166. DATE: 8/28/07. AMOUNT: $38809. DATE: 8/9/07. $11103. DATE: 8/20/07. $3685. DATE: 9/5/07. TOR: IRS. AMOUNT: $54737. DATE: 8/20/07. DEBTOR: SEAN ROYER, CREDITOR: LIBERTY ACQUISI- DEBTOR: DAVID A. & BETTY T. CAIN, 1034 LEXING- DEBTOR: RANDY A. BRENNER, 708 ANEMONE TRAIL DEBTOR: CHRISTOPHER R. THOMPSON, 1414 P.O. DEBTOR: JOHN R. VAUGHT, 18519 WELD COUNTY TIONS LLC. AMOUNT: $2524. CASE NO.: C-07C-005667. DEBTOR: LIQUORS COLO INC., 2601 S. LEMAY AVE., TON LANE ESTES PARK, CO 80517-7502. CREDITOR: SILVERTHORNE, CO 80498. CREDITOR: IRS. AMOUNT: BOX 75 PLATTEVILLE, CO 80651-0075. CREDITOR: IRS. ROAD 5 BERTHOUD, CO 80513. CREDITOR: IRS. DATE: 8/8/07. UNIT 18 FORT COLLINS, CO 80525-2247. CREDITOR: IRS. AMOUNT: $21644. DATE: 8/28/07. $6788. DATE: 8/20/07. AMOUNT: $22355. DATE: 8/20/07. AMOUNT: $15193. DATE: 8/27/07. IRS. AMOUNT: $6633. DATE: 8/17/07. DEBTOR: TAMMY KIPPER, CREDITOR: LIBERTY DEBTOR: JUDITH A. CHANDLER, 509 RIVERROCK DEB TOR: FLORITE SPRINKLER INC., 334 DEBTOR: BILLY R. WILLIAMS, 3011 DENVER ST., APT. DEBTOR: CAROL ANN WILLIAMS, 4 20 ELM AVE. ACQUISITIONS LLC. AMOUNT: $1841. CASE NO.: C-07C- DEBTOR: PATRICIO MAES, 409 LILAC LANE FORT CIRCLE ESTES PARK, CO 80517-8035. CREDITOR: IRS. ALABASTER WAY JOHNSTOWN, CO 80534-9470. CRED- 2 EVANS, CO 80620-1124. CREDITOR: IRS. AMOUNT: EATON, CO 80615-3436. CREDITOR: IRS. AMOUNT: 005413. DATE: 8/8/07. COLLINS, CO 80524-2925. CREDITOR: IRS. AMOUNT: AMOUNT: $27703. DATE: 8/28/07. ITOR: IRS. AMOUNT: $15422. DATE: 8/9/07. $4823. DATE: 8/20/07. $20084. DATE: 8/27/07. $63639. DATE: 8/17/07. DEBTOR: WAYLON J. SCHAEFFER, CREDITOR: LIB- DEBTOR: LOUIS DEVENS, 3833 LA MESA DRIVE DEBTOR: GS ROOFING INC., 828 39TH ST. EVANS, DEBTOR: ACREAGE SERVICES NORTHERN COL- ERTY ACQUISITIONS LLC. AMOUNT: $1873. CASE NO.: DEBTOR: MAJESTIC STUCCO LLC, 1402 WEBSTER FORT COLLINS, CO 80524-9528. CREDITOR: IRS. CO 80620-2709. CREDITOR: IRS. AMOUNT: $304. DATE: ORADO, 2118 N. 47TH AVE. GREELEY, CO 80631-9481. STATE TAX LIENS C-07C-005674. DATE: 8/8/07. AVE. FORT COLLINS, CO 80524-4718. CREDITOR: IRS. AMOUNT: $17349. DATE: 8/28/07. 8/20/07. CREDITOR: IRS. AMOUNT: $27025. DATE: 8/27/07. AMOUNT: $49961. DATE: 8/7/07. State tax liens are claims filed by the state govern- DEBTOR: SARAH SCHULTZ, CREDITOR: UNITED DEB TOR: INTEGRATED MORTGAGE SERVICES INC., DEBTOR: TODD I. JOHNSON, 3 36 P.O. BOX 803 DEBTOR: AFSS INC., 17 264 WELD COUNTY ROAD 12 ment against assets of an individual or corporation RESOURCE SYSTEMS INC. AMOUNT: $2700. CASE NO.: DEBTOR: CHARLES MOYER, 224 N. LINCOLN AVE. 1873 S. BELLAIRE ST., SUITE 400 DENVER, CO 80222- WINDSOR, CO 80550-0803. CREDITOR: IRS. AMOUNT: FORT LUPTON, CO 80621. CREDITOR: IRS. AMOUNT: for nonpayment of taxes. C-07C-004524. DATE: 8/8/07. LOVELAND, CO 80537-5652. CREDITOR: IRS. AMOUNT: 4389. CREDITOR: IRS. AMOUNT: $11326. DATE: 8/30/07. $34417. DATE: 8/20/07. $1760. DATE: 9/5/07. $995. DATE: 8/17/07. LARIMER COUNTY DEBTOR: TERESA A. GIEBELSTEIN, CREDITOR: DEBTOR: KIMBERLY D. LANKFORD. CREDITOR: IRS. LARIMER CO. DEPT SOCIAL SERV. AMOUNT: $4100. AMOUNT: $7820. DATE: 8/17/07. CASE NO.: C-96C-103363. DATE: 8/8/07.

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56 | The Northern Colorado Business Report www.ncbr.com | Oct. 12-25, 2007 LEADS CIVIL JUDGMENTS

DEBTOR: SHEPPARD HOMES INC., CREDITOR: DEBTOR: LESTER J. SUGDEN, CREDITOR: HARVEST DEBTOR: BARLOW PROJECTS INC., CREDITOR: AE DEBTOR: CAROL S. JOHNSON, CREDITOR: CACH DEBTOR: WILLIAM HUNT, CREDITOR: BENEFICIAL DEBTOR: DEBORAH J. & CHRIS HUDSON, CREDI- RUBEN R. GUIZAR. AMOUNT: $26639. CASE NO.: D- CREDIT MANAGEMENT VI B. AMOUNT: $2407. CASE PENNSYLVANIA PLACE ASSOC LP. AMOUNT: $6729. LLC. AMOUNT: $2791. CASE NO.: C-07C-003492. DATE: COLO INC. AMOUNT: $14124. CASE NO.: C-07C-003969. TOR: CAPITAL ONE BANK. AMOUNT: $1978. CASE NO.: 07CV537. DATE: 8/8/07. NO.: C-07C-003276. DATE: 8/10/07. CASE NO.: C-07C20059. DATE: 8/13/07. 8/17/07. DATE: 8/20/07. C-05C-202101. DATE: 8/21/07.

DEBTOR: ANGELA M. SCHOCKLEY, CREDITOR: DEBTOR: JENNIFER & ANDREW SHARP, CREDITOR: DEBTOR: ANTHONY J. MARZULLO, CREDITOR: DEBTOR: RHONDA MAE GOODING, CREDITOR: CACH DEBTOR: ANDREA C. LUCAS, CREDITOR: HOUSE- DEBTOR: KAREN A. POTTER, CREDITOR: BENEFICIAL ACCOUNT BROKERS LARIMER COUNTY. AMOUNT: HOME ST. BANK. AMOUNT: $4963. CASE NO.: C-06C- STATE OF COLORADO REVENUE. AMOUNT: $15658. LLC. AMOUNT: $823. CASE NO.: C-07C-003724. DATE: HOLD FINANCIAL CORP. III. AMOUNT: $7251. CASE NO.: COLO INC. AMOUNT: $7989. CASE NO.: C-05C-200511. $1568. CASE NO.: C-03C-104027. DATE: 8/9/07. 105114. DATE: 8/10/07. CASE NO.: D-04CV000446. DATE: 8/13/07. 8/17/07. C-07C-004614. DATE: 8/20/07. DATE: 8/21/07.

DEBTOR: MARSHA L. COLBERT, CREDITOR: DEBTOR: DAVID J. PROVINCE, CREDITOR: HOME ST. DEBTOR: BRIAN FOX, CREDITOR: GSO INVEST LLC. DEBTOR: JACK AMBROSIO, CREDITOR: LUCILLE DEBTOR: ITB HOLDINGS LLC, CREDITOR: E. 29TH ST. DEBTOR: KAY L. WEICKUM, CREDITOR: APOLLO ACCOUNT BROKERS LARIMER COUNTY. AMOUNT: BANK. AMOUNT: $1227. CASE NO.: C-06C-202543. DATE: AMOUNT: $1234. CASE NO.: C-07C-003379. DATE: CLARK. AMOUNT: $8150. CASE NO.: C-06C-202442. HOLDINGS LLC. AMOUNT: $4519. CASE NO.: C-06C- CREDIT AGENCY INC. AMOUNT: $2211. CASE NO.: C-02C- $2777. CASE NO.: C-07C-004535. DATE: 8/9/07. 8/10/07. 8/14/07. DATE: 8/17/07. 201907. DATE: 8/20/07. 200973. DATE: 8/21/07.

DEBTOR: DANIEL E. & GISELE D. MCFADDEN, DEBTOR: FRANCISCO CASTREJON, CREDITOR: DEBTOR: SHEPPARD HOMES INC., CREDITOR: DEBTOR: JOE PUCH, CREDITOR: BENEFICIAL COLO DEBTOR: ITB HOLDINGS LLC, CREDITOR: ADSMART WELD COUNTY CREDITOR: ACCOUNT BROKERS LARIMER COUNTY. HOME ST. BANK. AMOUNT: $1442. CASE NO.: C-07C- ROBERTS EXCAVATION CORP. AMOUNT: $14754. CASE INC. AMOUNT: $14760. CASE NO.: C-07C-003767. DATE: INC. AMOUNT: $858. CASE NO.: C-05S-100302. DATE: AMOUNT: $789. CASE NO.: C-06C-102488. DATE: 8/9/07. 000335. DATE: 8/10/07. NO.: C-07C-003413. DATE: 8/14/07. 8/17/07. 8/20/07. DEBTOR: JOHN E. GUSICK, CREDITOR: STATE OF COLORADO. AMOUNT: $64200. CASE NO.: D-05CR4710. DEBTOR: JOHN A. & PATTI BROWN, CREDITOR: DEBTOR: KATHLEEN WRENN, CREDITOR: HOME ST. DEBTOR: JESSE C. CALLIHAM, CREDITOR: ARROW DEBTOR: CRAIG K. CALKINS, CREDITOR: CACH LLC. DEBTOR: JEFFREY DAVIN, CREDITOR: BONDED DATE: 8/9/07. ACCOUNT BROKERS LARIMER COUNTY. AMOUNT: $599. BANK. AMOUNT: $449. CASE NO.: C-06C-104942. DATE: FINANCIAL SERVICES LLC. AMOUNT: $1724. CASE NO.: AMOUNT: $9065. CASE NO.: C-06C-201316. DATE: ADJUSTING SERVICE INC. AMOUNT: $1284. CASE NO.: CASE NO.: C-07C-004703. DATE: 8/9/07. 8/10/07. C-07C-003028. DATE: 8/14/07. 8/20/07. C-07C-004208. DATE: 8/20/07. DEBTOR: NORRIS B. JONES, CREDITOR: AM GENER- AL FINANCIAL SERVICES INC. AMOUNT: $0. CASE NO.: DEBTOR: JOSE A. & CECILIA AGUIRRE, CREDITOR: DEBTOR: LOREN H. FRIESEN, CREDITOR: N. STAR DEBTOR: GWENDOLYN KAMMERER, CREDITOR: DEBTOR: SEAN CAMPBELL, CREDITOR: CACH LLC. DEBTOR: MICHELLE SCHRUM, CREDITOR: BONDED C-06C1118. DATE: 8/9/07. ACCOUNT BROKERS LARIMER CTY IN. AMOUNT: $2314. CAPITAL ACQUISITION. AMOUNT: $1518. CASE NO.: C- DANIEL E. GOLUB. AMOUNT: $921200. CASE NO.: C- AMOUNT: $2126. CASE NO.: C-06C-102253. DATE: ADJUSTING SERVICE INC. AMOUNT: $662. CASE NO.: C- CASE NO.: C-07C-000932. DATE: 8/9/07. 07C-003633. DATE: 8/10/07. 99CV-000869. DATE: 8/14/07. 8/20/07. 07C-004686. DATE: 8/20/07. DEBTOR: MIKE MACY, CREDITOR: SAGEBRUSH HOME- OWNERS ASSOC INC. AMOUNT: $1315. CASE NO.: C-07C- DEBTOR: ANTHONY & AMBER Y. HARVEY, CREDI- DEBTOR: CERTIFIED REHAB SERVICES INC., CRED- DEBTOR: ROBERT V. SANKEY, CREDITOR: DENISE L. DEBTOR: FRED LOMBARDI, CREDITOR: GLOBAL DEBTOR: PATRICIA L. & FREDDIE FRENCH, CREDI- 003740. DATE: 8/9/07. TOR: ACCOUNT BROKERS LARIMER COUNTY. AMOUNT: ITOR: INVACARE CORP. AMOUNT: $53045. CASE NO.: C- JAMESON. AMOUNT: $7582. CASE NO.: C-07S-000279. CREDITORS NETWORK. AMOUNT: $29618. CASE NO.: C- TOR: BONDED ADJUSTING SERVICE INC. AMOUNT: $13982. CASE NO.: C-07C-003446. DATE: 8/9/07. 07CV-000295. DATE: 8/10/07. DATE: 8/15/07. 06CV-001006. DATE: 8/20/07. $616. CASE NO.: C-07C-004816. DATE: 8/20/07. DEBTOR: ZYGMUNG HENRYCH, CREDITOR: MBNA AM BANK. AMOUNT: $0. CASE NO.: C-05C4794. DATE: DEBTOR: JAMES T. & LORI L. GISSEL, CREDITOR: DEBTOR: MARIA D. CRESPIN, CREDITOR: N. STAR DEBTOR: JERRAMIE & KATHRYN BULLOCK, CREDI- DEBTOR: SCOTT A. MATTHIES, CREDITOR: CAVALRY DEBTOR: HEATH O. SEIFERT, CREDITOR: BONDED 8/9/07. ACCOUNT BROKERS LARIMER COUNTY. AMOUNT: CAPITAL ACQUISITION. AMOUNT: $1233. CASE NO.: C- TOR: PIER LLC. AMOUNT: $1893. CASE NO.: C-07C- PORTFOLIO SERVICES LLC. AMOUNT: $8672. CASE NO.: ADJUSTING SERVICE INC. AMOUNT: $1956. CASE NO.: $1320. CASE NO.: C-06C-105631. DATE: 8/9/07. 07C-003500. DATE: 8/10/07. 003845. DATE: 8/15/07. C-06C-202366. DATE: 8/20/07. C-07C-004844. DATE: 8/20/07. DEB TOR: BLAKE R. CASSATA, CREDITOR: CAPITAL ONE BANK. AMOUNT: $0. CASE NO.: C-05C7789. DATE: DEBTOR: MARCIA T. OTT, CREDITOR: BC SERVICES DEBTOR: DANIEL R. VOSS, CREDITOR: AM EXPRESS DEBTOR: PLUMBERS PLUS INC., CREDITOR: FERGU- DEBTOR: JENNIFER L. HEUTZENROEDER, CREDI- DEBTOR: DEREK GREEN, CREDITOR: BONDED 8/10/07. INC. AMOUNT: $669. CASE NO.: C-07C-003945. DATE: TRAVEL RELATED SERV. AMOUNT: $3914. CASE NO.: C- SON ENTERPRISES INC. AMOUNT: $8128. CASE NO.: C- TOR: CAPITAL ONE BANK. AMOUNT: $1899. CASE NO.: ADJUSTING SERVICE INC. AMOUNT: $742. CASE NO.: C- 8/9/07. 01C-201446. DATE: 8/10/07. 07C-000791. DATE: 8/16/07. C-07C-005546. DATE: 8/20/07. 07C-004817. DATE: 8/20/07. DEBTOR: CHAD MCCUTCHEN, CREDITOR: NEW FRONTIER BANK. AMOUNT: $92756. CASE NO.: C-07CV- DEBTOR: HOLLY JOLANE & HOLLY MULROONEY, DEBTOR: BARBARA BARNES VOSS, CREDITOR: UNI- DEBTOR: CRAIG & SHARON LINDSTROM, CREDI- DEBTOR: LUCAS A. & LUCAS ANTHO CORDOVA, DEBTOR: FRAN M. FLEMING, CREDITOR: BONDED 000112. DATE: 8/10/07. CREDITOR: BC SERVICES INC. AMOUNT: $1093. CASE FUND CCR PARTNERS. AMOUNT: $7727. CASE NO.: C- TOR: STATE OF COLORADO. AMOUNT: $6046. CASE CREDITOR: BANK AM. AMOUNT: $5215. CASE NO.: C- ADJUSTING SERVICE INC. AMOUNT: $239. CASE NO.: C- NO.: C-07C-004760. DATE: 8/9/07. 05C-101255. DATE: 8/10/07. NO.: C-04CV-001337. DATE: 8/16/07. 07C-005259. DATE: 8/20/07. 05C-106460. DATE: 8/20/07. DEBTOR: MERS, CREDITOR: JOHN L. SR. & CON- STANCE DUNCAN. AMOUNT: $68762. CASE NO.: D- DEB TOR: CHRISTOPHER & CHRISTO DILLON, CRED- DEB TOR: BARBARA B VOSS, CREDIT OR: CAPITAL DEBTOR: MELISSA VORHIES, CREDIT OR: HILCO DEB TOR: ITB HOLDINGS LLC, CREDIT OR: ADSMART DEBTOR: SHERI L. & ROBERT LOTT, CREDITOR: 2007CV440. DATE: 8/13/07. ITOR: CACV COLO LLC. AMOUNT: $2590. CASE NO.: C- ONE BANK. AMOUNT: $4125. CASE NO.: C-05C-105768. RECEIVABLES LLC. AMOUNT: $1402. CASE NO.: C-07C- INC. AMOUNT: $858. CASE NO.: C-05S-100302. DATE: BONDED ADJUSTING SERVICE INC. AMOUNT: $6321. 05C-103609. DATE: 8/9/07. DATE: 8/10/07. 001059. DATE: 8/16/07. 8/20/07. CASE NO.: C-07C-004832. DATE: 8/20/07. DEBTOR: CRAIG KOENIG, CREDITOR: CITIFINANCIAL. AMOUNT: $3736. CASE NO.: C-04C-005519. DATE: DEBTOR: NANCY TRANZOW, CREDITOR: CACH LLC. DEBTOR: RUST CONSTR INC., CREDITOR: INTERIOR DEBTOR: JUSTIN R. DEMELLO, CREDITOR: CACH DEBTOR: PAUL R. ABEYTA, CREDITOR: BENEFICIAL DEBTOR: PEGGY LEE DINSMORE, CREDITOR: BOND- 8/13/07. AMOUNT: $1251. CASE NO.: C-07C-004984. DATE: DRYWALL SYSTEMS INC. AMOUNT: $20781. CASE NO.: LLC. AMOUNT: $2440. CASE NO.: C-07C-003177. DATE: COLO INC. AMOUNT: $17290. CASE NO.: C-07CV- ED ADJUSTING SERVICE INC. AMOUNT: $7817. CASE 8/9/07. C-06CV-000329. DATE: 8/10/07. 8/17/07. 000425. DATE: 8/20/07. NO.: C-07C-005037. DATE: 8/20/07. DEBTOR: MIGUEL A. & MIGUEL PENA, CREDITOR: CACH LLC. AMOUNT: $7292. CASE NO.: C-07C-002794. DEBTOR: TITIPONG N TONGBUA, CREDITOR: FIRST DEBTOR: VICTOR JIMENEZ, CREDITOR: BY DESIGN DEBTOR: NORRIS B. JONES, CREDITOR: AM GENER- DEBTOR: DANIEL E. BETTS, CREDITOR: HOUSEHOLD DEBTOR: RARDON D. BEVILL III, CREDITOR: BOND- DATE: 8/13/07. COMMUNITY BANK. AMOUNT: $24913. CASE NO.: C- HOMES LLC. AMOUNT: $6276. CASE NO.: C-07C- AL FINANCIAL SERVICES INC. AMOUNT: $0. CASE NO.: FINANCIAL CORP. III. AMOUNT: $10703. CASE NO.: C- ED ADJUSTING SERVICE INC. AMOUNT: $717. CASE NO.: 07CV-000259. DATE: 8/10/07. 004669. DATE: 8/10/07. C-06C1118. DATE: 8/17/07. 07C-004589. DATE: 8/20/07. C-07C-004821. DATE: 8/20/07. DEBTOR: SHELLY R. SHERER, CREDITOR: CACH LLC. AMOUNT: $6340. CASE NO.: C-07C-005278. DATE: DEBTOR: BECKY E. WICKSTROM, CREDITOR: C, DEBTOR: IRENE M. ORTIZ, CREDITOR: CACV COLO DEBTOR: JACK C. SNOW JR., CREDITOR: JAMES L. DEBTOR: RAYMOND & MARGAUX DANIELS, CREDI- DEBTOR: GARY J. & ARLEEN DAVIS, CREDITOR: 8/13/07. APT.AL ONE BANK. AMOUNT: $5671. CASE NO.: C-06C- LLC. AMOUNT: $4851. CASE NO.: C-05C-102911. DATE: ENGELS. AMOUNT: $268734. CASE NO.: C-07CV- TOR: BENEFICIAL COLO INC. AMOUNT: $12328. CASE BONDED ADJUSTING SERVICE INC. AMOUNT: $1228. 202094. DATE: 8/10/07. 8/13/07. 000658. DATE: 8/17/07. NO.: C-07C-004609. DATE: 8/20/07. CASE NO.: C-07C-004824. DATE: 8/20/07. DEBTOR: JULIE A. SCOPEL, CREDITOR: CACV COLO LLC. AMOUNT: $10234. CASE NO.: C-06C-008064. DEBTOR: AM FURNITURE WAREHOUSE INC., CRED- DEBTOR: LESTER J. SUGDEN, CREDITOR: PROFES- DEBTOR: MONTE ALLEN WEAVER, CREDITOR: CACH DEBTOR: KENNETH L. DEINES, CREDITOR: ARROW DEBTOR: KRISTEN E. & JASON GONZALEZ, CREDI- DATE: 8/13/07. ITOR: MASON RAMSEY. AMOUNT: $0. CASE NO.: D- SIONAL FINANCIAL CO. INC. AMOUNT: $2392. CASE LLC. AMOUNT: $1160. CASE NO.: C-07C-003427. DATE: FINANCIAL SERVICES LLC. AMOUNT: $16692. CASE NO.: TOR: CACH LLC. AMOUNT: $4088. CASE NO.: C-07C- 02CV3061. DATE: 8/10/07. NO.: C-05C-200904. DATE: 8/13/07. 8/17/07. C-07CV-000400. DATE: 8/20/07. 003426. DATE: 8/21/07.

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LEADS CIVIL JUDGMENTS Laugh Out Loud!

DEBTOR: HALEY & PATRICK NEWCOMB, CREDITOR: DEBTOR: KELLI R. MILLER, CREDITOR: CAVALRY DEBTOR: COLO ELITE HOMEBUILDERS INC., CRED- Rocky Mountain Raptor NORTHERN COLO REAL ESTATE HOLD. AMOUNT: PORTFOLIO SERVICES LLC. AMOUNT: $12286. CASE ITOR: HILAND TOWNHOUSE HOMEOWNERS AS. $3589. CASE NO.: C-07C-001524. DATE: 8/13/07. NO.: C-07C-002422. DATE: 8/20/07. AMOUNT: $1112. CASE NO.: C-07S-000375. DATE: 8/22/07. Program is 20 Years Old! DEBTOR: TASHA L. ELLIFRITZ, CREDITOR: WEST- DEBTOR: LINDA S. BRUNTZ, CREDITOR: CAPITAL WOOD COLLEGE TECHNOLOGY. AMOUNT: $9351. CASE ONE BANK. AMOUNT: $2274. CASE NO.: C-07C-004052. DEBTOR: RONALD OLSON, CREDITOR: LOWELL & Come Celebrate NO.: C-06C-014219. DATE: 8/13/07. DATE: 8/20/07. MARILYN SCHAEFER. AMOUNT: $73150. CASE NO.: D- 07CV-000207. DATE: 8/22/07. th DEBTOR: STEVE J. GALLEGOS, CREDITOR: NORBEL DEBTOR: CYNTHIA D. ELKINS, CREDITOR: CAPITAL CREDIT UNION. AMOUNT: $16205. CASE NO.: C-07CV- ONE BANK. AMOUNT: $1977. CASE NO.: C-07C-002880. DEBTOR: SANTIAGO GUTIERREZ MERCADO, CREDI- RMRP’s 20 000371. DATE: 8/13/07. DATE: 8/20/07. TOR: RESIDENTIAL FUNDING CO. LLC. AMOUNT: $101500. CASE NO.: D-07CV71. DATE: 8/22/07. DEBTOR: GREEN LEAF PLUMBING HEATING IN, DEBTOR: PEDRO M. CARNERO, CREDITOR: PRIME CREDITOR: HERITAGE BANK. AMOUNT: $13836. CASE ACCEPTANCE CORP. AMOUNT: $7606. CASE NO.: C-07C- DEBTOR: CELINE S. MORESI, CREDITOR: HUDSON Bird Day Bash! NO.: C-06CV-000833. DATE: 8/13/07. 001789. DATE: 8/20/07. KEYSE LLC. AMOUNT: $5518. CASE NO.: C-07C-002974. Featuring Animal DATE: 8/20/07. DEBTOR: JOSEPH PATRICK MURPHY, CREDITOR: DEBTOR: DORINDA K. VANLONE, CREDITOR: CAPI- Planet Veterinarian HERITAGE BANK. AMOUNT: $13907. CASE NO.: C-06CV- TAL ONE BANK. AMOUNT: $6555. CASE NO.: C-07C- DEBTOR: ALAN D. ROSENFELD, CREDITOR: LIBERTY Friday, October 19 000833. DATE: 8/13/07. 003276. DATE: 8/20/07. ACQUISITIONS LLC. AMOUNT: $3958. CASE NO.: C-07C- and Comedian 002583. DATE: 8/20/07. Lincoln Center DEBTOR: BECKY S. LAPORTA, CREDITOR: DISCOVER DEBTOR: RONALD W. DEROSIER, CREDITOR: UNI- FINANCIAL SERVICES LLC. AMOUNT: $0. CASE NO.: C- FUND CCR PARTNERS. AMOUNT: $8500. CASE NO.: C- DEBTOR: JOEL RIPMASTER, CREDITOR: DONNA Tickets $35 each Dr. Kevin 05C5161. DATE: 8/13/07. 07C-003440. DATE: 8/20/07. RUSSO. AMOUNT: $30000. CASE NO.: C-04CV-003861. DATE: 8/20/07. Call 970-484-7756 Fitzgerald DEBTOR: LEAN L. ROSS, CREDITOR: DISCOVER BANK. DEBTOR: TIMOTHY R. GEORGE, CREDITOR: CAVALRY AMOUNT: $7873. CASE NO.: C-07C-003510. DATE: PORTFOLIO SERVICES LLC. AMOUNT: $1540. CASE NO.: DEBTOR: BOBBY L. ALVARADO, CREDITOR: APOLLO 8/13/07. C-07C-003519. DATE: 8/20/07. CREDIT AGENCY INC. AMOUNT: $699. CASE NO.: C-07C- 002690. DATE: 8/21/07. DEBTOR: WOLFGANG A. PAUL, CREDITOR: CARLOS DEBTOR: CECIL S. JONES, CREDITOR: BELLCO CRED- MENDOZA. AMOUNT: $2067. CASE NO.: C-04CV- IT UNION. AMOUNT: $11887. CASE NO.: C-07C-002166. DEBTOR: CAROL L. CROWLEY, CREDITOR: APOLLO 000632. DATE: 8/14/07. DATE: 8/20/07. CREDIT AGENCY INC. AMOUNT: $1266. CASE NO.: C- 07C-001961. DATE: 8/21/07. Let Our Reputation Precede You DEBTOR: FRANK RAMIREZ, CREDITOR: OTIS COAN DEBTOR: DONALD E. SANGER, CREDITOR: CAVALRY STEWART LLC. AMOUNT: $8241. CASE NO.: C-07C- PORTOFOLIO SERVICES. AMOUNT: $4864. CASE NO.: C- DEBTOR: RONALD BENJAMIN, CREDITOR: LORENZ J. 001513. DATE: 8/14/07. 07C-003443. DATE: 8/20/07. CARSTENSEN JR. AMOUNT: $183892. CASE NO.: D- 07CV-005270. DATE: 8/22/07. DEBTOR: GABRIEL ANDRADE, CREDITOR: CAPITAL DEBTOR: TANYA LILES, CREDITOR: CAPITAL ONE ONE BANK. AMOUNT: $2549. CASE NO.: C-07C-002175. BANK. AMOUNT: $2754. CASE NO.: C-07C-003176. DEBTOR: ADAM TERRY, CREDITOR: UC FEDERAL DATE: 8/15/07. DATE: 8/20/07. CREDIT UNION. AMOUNT: $13177. CASE NO.: C-06C- 000493. DATE: 8/22/07. DEB TOR: A. KAREN G. ZIMMERMANN, CREDITOR: DEB TOR: CLAUDE HENDRICKS, CREDIT OR: CAPITAL GREELEY URBAN RENEWAL AUTHORIT. AMOUNT: ONE BANK. AMOUNT: $2504. CASE NO.: C-07C-003172. DEBTOR: KRISTIN M. FRYBERGER, CREDITOR: CAPI- $10038. CASE NO.: C-07CV-000267. DATE: 8/15/07. DATE: 8/20/07. TAL ONE BANK. AMOUNT: $3004. CASE NO.: C-06C- 004909. DATE: 8/22/07. DEBTOR: STEPHEN & TRAVIS SPRINKLE, CREDI- DEBTOR: LUZ YADIRA VEGA, CREDITOR: AAA COL- TOR: LIBERTY ACQUISITIONS LLC. AMOUNT: $3847. LECTORS INC. AMOUNT: $2414. CASE NO.: C-03C- DEBTOR: PEDRO JIMENEZ, CREDITOR: US BANK. CASE NO.: C-07C-002066. DATE: 8/15/07. 001786. DATE: 8/20/07. AMOUNT: $18704. CASE NO.: D-07CV-000493. DATE: 8/22/07. DEBTOR: JERI L. LEINGANG, CREDITOR: CACV COLO DEBTOR: RONALD BENJAMIN, CREDITOR: LORENZ J. LLC. AMOUNT: $0. CASE NO.: C-04CV1368. DATE: CARSTENSEN JR. AMOUNT: $183892. CASE NO.: D- DEBTOR: PAMELA A. RODEFER, CREDITOR: CAVAL- Serving Northern Colorado for 20 years 8/15/07. 07CV-005270. DATE: 8/20/07. RY PORTFOLIO SERVICES LLC. AMOUNT: $7530. CASE NO.: D-07CV-000548. DATE: 8/22/07. 970-206-8300 DEBTOR: LOIS HILZER, CREDITOR: INTEGRAL RECOV- DEBTOR: MARIO O. & JOSEFA O. FLORES, CREDI- www.homesincolorado.com ERIES INC. AMOUNT: $1118. CASE NO.: C-07C-002411. TOR: COLO HOUSING FINANCIAL AUTHORITY. AMOUNT: DEBTOR: DARREN J. WARNER, CREDITOR: MINNTEX DATE: 8/15/07. $4678. CASE NO.: C-07CV-000557. DATE: 8/21/07. INVEST PARTNERS LP. AMOUNT: $21544. CASE NO.: D- Home of the Best Agents® Your RE/MAX Commercial Associate 07CV-000021. DATE: 8/22/07. is your single point-of-contact to the most responsive and results- DEBTOR: WILLIAM & WILLIAM KEI EXNER, CREDI- DEBTOR: MATTHEW L. & MEGAN M. TRYHANE, oriented team of professionals in commercial real estate. TOR: OPTION CARD LLC. AMOUNT: $0. CASE NO.: C- CREDITOR: COLO HOUSING FINANCIAL AUTHORITY. DEBTOR: REBECCA ANDERSEN, CREDITOR: PREMIER Each RE/MAX® office is independently owned and operated. 04C4558. DATE: 8/16/07. AMOUNT: $6721. CASE NO.: C-07CV-000554. DATE: MEMBERS FEDERAL CREDIT UNION. AMOUNT: $12835. 8/21/07. CASE NO.: C-07C-000435. DATE: 8/22/07. DEBTOR: FRANCIES A. BENAVIDEZ, CREDITOR: GE MONEY BANK. AMOUNT: $793. CASE NO.: C-07C- DEBTOR: WESTERN INTNL GRAIN CO., CREDITOR: DEBTOR: WILLIAM GIAMPIETRO, CREDITOR: PRE- 002443. DATE: 8/16/07. STATELINE BEAN PRODUCERS COOP. AMOUNT: $21796. MIER MEMBERS FEDERAL CREDIT UNION. AMOUNT: CASE NO.: C-07CV-000404. DATE: 8/21/07. $6810. CASE NO.: C-07C-000892. DATE: 8/22/07. DEBTOR: RAYMOND G. LARUE, CREDITOR: CITIBANK S. DAKOTA. AMOUNT: $9215. CASE NO.: C-07C-002522. DEBTOR: LYNETTE PUGA, CREDIT OR: COLO HOUSING DEB TOR: JOHN M. SALISBURY, CREDITOR: FORD DATE: 8/16/07. FINANCIAL AUTHORITY. AMOUNT: $4564. CASE NO.: C- MOTOR CREDIT CO. AMOUNT: $12092. CASE NO.: C-07C- 07CV-000471. DATE: 8/21/07. 044905. DATE: 8/22/07. “I would like to put DEB TOR: MRMK LLC, CREDITOR: VINTAGE CORP. AMOUNT: $3829. CASE NO.: C-07C-005496. DATE: DEBTOR: SCOTT GREEN, CREDITOR: CITIFINANCIAL DEBTOR: KBH ENTERPRISES INC., CREDITOR: 8/16/07. CORP. AMOUNT: $7229. CASE NO.: C-03C-001590. DATE: BRUCE & DOREEN BULGER. AMOUNT: $76728. CASE the 8/21/07. NO.: D-91CV-000204. DATE: 8/22/07. value DEBTOR: JAMES L. BEDFORD, CREDITOR: CACH LLC. AMOUNT: $7304. CASE NO.: C-07C-004005. DATE: DEBTOR: CG SMITH CONSTR INC., CREDITOR: DEBTOR: FRANK BERNADONI, CREDITOR: BRUCE & 8/16/07. SCHMIDT EARTH BLDRS INC. AMOUNT: $596508. CASE DOREEN BULGER. AMOUNT: $71964. CASE NO.: D-91CV- of my Regis MBA NO.: C-07CV-000544. DATE: 8/21/07. 000204. DATE: 8/22/07. DEBTOR: WOLFGANG A. PAUL, CREDITOR: MENDOZA CARLOS. AMOUNT: $5111. CASE NO.: C-04CV-000632. DEBTOR: BRANDY J. & JOHN R. LASKOSKI, CREDI- DEBTOR: ANDREA BRASHEARS, CREDITOR: UC FED- experience DATE: 8/16/07. TOR: CCA. AMOUNT: $2191. CASE NO.: C-07C-051679. ERAL CREDIT UNION. AMOUNT: $5254. CASE NO.: C- DATE: 8/21/07. 06C-001025. DATE: 8/22/07. into perspective.” DEBTOR: MARK STEWART, CREDITOR: CACH LLC. AMOUNT: $5002. CASE NO.: C-07C-005279. DATE: DEBTOR: JAMIE L. & JAMES L. ANDREWS, CREDI- DEBTOR: JOAN M. DALE, CREDITOR: ST. VRAIN VAL- 8/16/07. TOR: CCA. AMOUNT: $1253. CASE NO.: C-07C-050083. LEY CREDIT UNION. AMOUNT: $13672. CASE NO.: C- DATE: 8/21/07. 07C-000776. DATE: 8/22/07. DEBTOR: ANTHONY LOFINO, CREDITOR: CACH LLC. AMOUNT: $1941. CASE NO.: C-06C-004961. DATE: DEBTOR: PINA LANDSCAPING SERVICES LLC, DEBTOR: PABLO & NANCY BUSTILLOS, CREDITOR: 8/16/07. CREDITOR: CPS DISTRIBUTORS INC. AMOUNT: $9963. BC SERVICES INC. AMOUNT: $0. CASE NO.: NP. DATE: CASE NO.: C-07C-003497. DATE: 8/21/07. 8/22/07. DEBTOR: SANDRA J. BAIRD, CREDITOR: CACH LLC. Regis University School for Professional AMOUNT: $2599. CASE NO.: C-07C-004070. DATE: DEBTOR: DANIEL T. & KATHLEEN S. HUGG, CREDI- DEBTOR: MITZI STGEORGE & ROY BISHOP, CREDI- “While getting my MBA at Regis I 8/16/07. TOR: VISTA RIDGE MASTER HOMEOWNERS. AMOUNT: TOR: BC SERVICES INC. AMOUNT: $0. CASE NO.: NP. Studies is for adult learners who wish to $1049. CASE NO.: C-07C-001690. DATE: 8/21/07. DATE: 8/22/07. expanded the firm and opened two DEBTOR: MARCY ROBERTSON, CREDITOR: BOULDER advance their careers and enhance their COUNTY DEPT SOCIAL SER. AMOUNT: $419. CASE NO.: DEBTOR: SHARON CULLIP, CREDITOR: BC SERVICES DEBTOR: PABLO BUSTILLOS SR., CREDITOR: BC more locations. I have used my Regis C-2003C1779. DATE: 8/16/07. INC. AMOUNT: $0. CASE NO.: NP. DATE: 8/22/07. SERVICES INC. AMOUNT: $0. CASE NO.: NP. DATE: lives. Regis is accredited and backed by 8/22/07. coursework daily to guide quantitative DEBTOR: EAGLE ROOFING SYST INC., CREDITOR: DEBTOR: CHARLES W. GIDDINGS, CREDITOR: BC over 130 years of academic excellence. FOWLER PETH INC. AMOUNT: $109136. CASE NO.: D- SERVICES INC. AMOUNT: $0. CASE NO.: NP. DATE: DEBTOR: LEV KUSHNER, CREDITOR: MARINA KUSH- and qualitative business decisions. I fully 04CV-004766. DATE: 8/17/07. 8/22/07. NER. AMOUNT: $5380. CASE NO.: D-01DR298. DATE: expect that my Regis MBA will provide Our 9 Master’s degrees and 18 Bachelor’s 8/23/07. DEBTOR: GUSTAVO L. GARFIO, CREDITOR: DEBTOR: DEBBIE D. MONTOYADAVIS, CREDITOR: long term ROI to the firm I lead and create degrees are delivered in accelerated TRANSWORLD SYSTEMS INC. AMOUNT: $1368. CASE LAURA SHAPIRO. AMOUNT: $7610. CASE NO.: C-05DR- DEB TOR: ALLYSON HOOVER, CREDITOR: INDIAN NO.: C-06C-004353. DATE: 8/17/07. 001536. DATE: 8/22/07. PEAKS FILING NO. 1 HOMEO. AMOUNT: $0. CASE NO.: value for the communities I work in and formats both online and in the classroom. D-2006CV1194. DATE: 8/24/07. DEBTOR: BRANDI MARTINEZ, CREDITOR: HOUSE- DEBTOR: TERESA L. PEREZ, CREDITOR: BR CHECK the clients I serve.” HOLD FINANCIAL CORP. III. AMOUNT: $7508. CASE NO.: HOLDERS INC. AMOUNT: $887. CASE NO.: C-06C- DEBTOR: MELVIN W. MATCHETTE II, CREDITOR: C-07C-001488. DATE: 8/20/07. 004941. DATE: 8/22/07. VALLEY NISSAN INC. AMOUNT: $4000. CASE NO.: C- Ken Puncerelli, 06C-001809. DATE: 8/24/07. CEO Land Architects International, DEBTOR: BRENDAN C. TURCOTTE, CREDITOR: DEBTOR: LEIF E. & GENNITTA F. DANIELSON, HOUSEHOLD FINANCIAL CORP. III. AMOUNT: $11499. CREDITOR: PROFESSIONAL FINANCIAL CO. INC. DEBTOR: SEAN A. MACKIEWICZ, CREDITOR: ST. Regis MBA Graduate CASE NO.: C-07C-003904. DATE: 8/20/07. AMOUNT: $2526. CASE NO.: C-07C-002439. DATE: VRAIN VALLEY CREDIT UNION. AMOUNT: $8587. CASE 8/22/07. NO.: C-07C-000481. DATE: 8/24/07. DEBTOR: LAURA L. VALDIVIESO, CREDITOR: BENE- FICIAL COLO INC. AMOUNT: $9412. CASE NO.: C-07C- DEB TOR: TRAVIS SHOCKLEY, CREDIT OR: PROFES- DEB TOR: RAYMUNDO HEREDIA, CREDITOR: N. STAR Seeking a degree with value? You’re in Good Company 003697. DATE: 8/20/07. SIONAL FINANCIAL CO. INC. AMOUNT: $4278. CASE CAPITAL ACQUISITION. AMOUNT: $1784. CASE NO.: C- NO.: C-06C-007415. DATE: 8/22/07. 07C-002480. DATE: 8/24/07. DEBTOR: JOHNNY JULIAN MONDRAGON, CREDI- TOR: LINDSEY ANNE ROCHA. AMOUNT: $150. CASE NO.: DEBTOR: ROBERT JAMES TURECEK, CREDITOR: DEBTOR: SHERI DAWNE MARTIN, CREDITOR: CAPI- D-05JV000188. DATE: 8/20/07. PROFESSIONAL FINANCIAL CO. AMOUNT: $6009. CASE TAL ONE BANK. AMOUNT: $1598. CASE NO.: C-07C- Classes start soon. Contact us today! NO.: C-00C-004380. DATE: 8/22/07. 002577. DATE: 8/24/07. DEBTOR: MITCHELL TIMOTHY VOGT, CREDITOR: 970.472.2202 / 800.967.3237 www.RegisGoodCompany.org TANIA MARIE MARTINEZ. AMOUNT: $4200. CASE NO.: DEBTOR: EDUARDO & LOURDES PIMENTEL, CREDI- DEBTOR: ALAN K. MATTHEWS, CREDITOR: CAPITAL D-03JV000239. DATE: 8/20/07. TOR: PROFESSIONAL FINANCIAL CO. INC. AMOUNT: ONE BANK. AMOUNT: $3868. CASE NO.: C-07C-001278. Fort Collins Campus: $2981. CASE NO.: C-06C-005797. DATE: 8/22/07. DATE: 8/24/07. Learners Becoming Leaders DEBTOR: KELLEY FIGG, CREDITOR: CAPITAL ONE 1501 Academy Court, Fort Collins, CO 80524 BANK. AMOUNT: $1716. CASE NO.: C-07C-003277. DATE: DEBTOR: JACOB LEE DAVIS, CREDITOR: DEBBIE D. 8/20/07. MONTOYA DAVIS. AMOUNT: $15888. CASE NO.: C-05DR- North Denver l Fort Collins l Longmont l Broomfield l Aurora l DTC l Colorado Springs l Online 001536. DATE: 8/22/07. 58 | The Northern Colorado Business Report www.ncbr.com | Oct. 12-25, 2007 Economic Report presents insights, regional analysis

Leading Economic Indicators will also be New Business Report part of this subscription-only report. “Economic data and analysis are critical quarterly reports on ingredients in any recipe for business suc- cess,” said NCBR co-publisher Christopher NoCo economy Wood. “Knowledge is power, and this expansion of our economic products fills a By Business Report staff crucial gap in information that business leaders need to forecast their own revenue The N orthern Colorado Business Report trends.” has rolled out its newest publication: The Green said Northern Colorado’s growth Northern Colorado Economic Report. has contributed to the need for additional The first edition, which contains the in- economic data. depth analysis and statistics essential for “As Northern Colorado has grown, business, civic and government leaders to demand for more economic intelligence has gauge the state of the region’s economy, was increased,” he said. “I am pleased to have made available at the Front Range Econom- done my part in meeting this demand. I ic Update presentation at Bixpo, Sept. 19. look forward to the evolution of this prod- This quarterly publication combines the uct with the help of our readers and users.” expertise of the Business Report with the region’s two universities and two major eco- What’s inside nomic-development agencies, in an expan- The Northern Colorado Business Report sion of the newspaper’s coverage of the has published its quarterly Index of Leading Northern Colorado economy and how it Economic Indicators since 1997. The news- will affect local organizations. paper will continue to publish that content, NCBR r egional economist Dr. John but the new publication will include far I Updates on national economic trends. County economy,” she said. Green leads a team that includes Colorado more economic data and articles on the I Economic data, ranging from building The publication is available to sub- State University regional economist Dr. local, state and national economies. Con- permits to foreclosures, bankruptcies to scribers for $500 annually. Distribution will Martin Shields and University of Northern tent will include: incorporations. be separate from the Northern Colorado Colorado regional economist Rhonda Cor- I Quarterly Index of Leading Economic “While the Northern Colorado economy Business Report. man, providing reports on economic trends Indicators. is doing fairly well, local policy-makers and Sponsorships to the Northern Colorado for Larimer and Weld counties. I Economic analysis by NCBR’s Green. business leaders still face a number of diffi- Economic Report are also available, and Along with CSU and UNC, the Northern I Articles by CSU’s Shields. cult challenges,” Shields said. “Hopefully, include the report as well as other benefits. Colorado Economic Development Corp. I Analysis of the Weld County economy the analysis we share here will help them To obtain sponsorship information, please and Upstate Colorado Economic Develop- by UNC’s Corman. make better-informed decisions.” contact co-publishers Jeff Nuttall at 970- ment are also contributing to the expanded I A Colorado Index of Leading Econom- Corman agreed. “I’m excited about the 221-5400, ext. 201, or [email protected], or economic coverage. ic Indicators prepared in conjunction with opportunity to comment quarterly on eco- Christopher Wood, ext. 210, or NCBR’s Northern Colorado Index of e-forecasting.com. nomic happenings and trends in the Weld [email protected]. Oct. 12-25, 2007 | www.businessreportdaily.com The Northern Colorado Business Report | 59

Top Rate. No Fees. No Kidding. ECONOMIC INDICATORS

Population 2005 2010 2015 2020 2030 Last update Colorado 4,722,460 5,209,892 5,729,644 6,257,281 7,298,094 8/06 Northern Colorado 500,719 561,372 640,359 726,575 924,719 8/06 Larimer County 271,990 296,519 330,879 366,240 439,217 8/06 Weld County 228,729 264,853 309,480 360,335 485,502 8/06

GENERAL Latest month Prev. listing Change prev. mo. Last year Change prev. year Last update

Employment 282,318 283,560 -0.44% 277,173 1.86% 8/07 Unemployment 10,092 10,630 -5.06% 12,306 -17.99% 8/07 Colo. Unemp. Rate 3.60% 3.80% N/A 4.60% N/A 8/07 Lmr. Unemp. Rate 3.20% 3.30% N/A 4.10% N/A 8/07 Weld Unemp. Rate 3.90% 4.00% N/A 4.50% N/A 8/07

Jet fuel (gallons dis.) F.C.-Loveland Airport 85,214 83,819 1.66% 94,753 -10.07% 8/07

Motor vehicle reg. 57,089 53,809 6.10% 61,696 -7.47% 7/07

Vectra Small Business Colorado index 92.9 90 3.22% 104.4 -11.02% 8/07 U.S. index 84.8 88 -3.64% 88.1 -3.75% 8/07

Bankruptcies Larimer County Chapter 7 68 56 21.43% N/A N/A 8/07 Chapter 13 3 9 -66.67% N/A N/A 8/07 Weld County Chapter 7 91 67 35.82% N/A N/A 8/07 ChoiceRewards Checking Chapter 13 9 9 0.00% N/A N/A 8/07 Patent Pending, BancVue

Foreclosures (000s) Larimer County 140 144 -2.78% N/A N/A 8/07 Earn the bonus rate Or the base rate Value $24,860 $30,538 -18.59% N/A N/A 8/07 Weld County 249 277 -10.11% N/A N/A 8/07 Value $47,975 $79,200 -39.43% N/A N/A 8/07 % % % Patents 6.03APY* 1.01APY* 1.01APY* Larimer County 41 46 -10.87% 73 -43.84% 8/07 Weld County 8 7 14.29% 12 -33.33% 8/07 on your balance of on your balance over even when the three $0 - $35,000 $35,000 steps are not met New businesses Larimer County 262 330 -20.61% 256 2.34% 08/07 Weld County 191 232 -17.67% 144 32.64% 08/07

Consumer Price (Colorado, Wyoming, Montana and Utah)

Index (1982-84 = 100) Food & beverages 210.3 209.1 0.57% 201 4.63% 8/07 Three easy steps to earn the bonus rates: Housing 222.1 221.7 0.18% 213.6 3.98% 8/07 Transportation 185.2 188.7 -1.85% 190 -2.53% 8/07 1. Make at least 8 MasterCard debit card (point of sale) Medical Care 356.6 354.8 0.51% 339 5.19% 8/07 purchases posted within the monthly REAL ESTATE qualification cycle. Total construction (000s) Larimer County $86,026 $86,060 -0.04% $48,726 76.55% 8/07 2. Use automatic withdrawal or Free ATM’s Weld County $94,243 $41,581 126.65% $64,473 46.17% 8/07 monthly direct deposit. nationwide!* Building permits 234 262 -10.69% 361 -35.18% 8/07 3. Get your monthly checking Apartment vacancies statement electronically. F.C.-Loveland 9.10% 9.30% N/A 8.10% N/A 3/07 Greeley 8.30% 7.20% N/A 7.30% N/A 3/07 Apartment rates Open your ChoiceRewards account today. Fort Collins $801 $752 6.44% $766 4.53% 3/07 Greeley $595 $625 -4.74% $634 -6.19% 3/07 Office vacancy rates Fort Collins 11.79% 12.40% N/A 12.50% N/A 6/07 Loveland 7.98% 7.20% N/A 6.40% N/A 6/07 Greeley 17.07% 18.20% N/A 20.90% N/A 6/07 Retail vacancy rates Fort Collins 7.24% 7.74% N/A 5.90% N/A 6/07 Loveland 7.05% 3.89% N/A 3.22% N/A 6/07 Greeley 9.28% 3.89% N/A 5.87% N/A 6/07 Evans / 3635 23rd Avenue • Fort Collins / 1044 West Drake Road Industrial vacancy rates Greeley 10th / 3780 West 10th Street / Greeley West / 7251 West 20th Street, Bldg. A Fort Collins 4.45% 3.89% N/A 4.92% N/A 6/07 Platteville / 370 Justin Avenue • Windsor / 1270 Automation Drive, Ste. 100 Loveland 4.27% 4.07% N/A 3.74% N/A 6/07 Greeley 8.13% 8.32% N/A 9.11% N/A 6/07 Also located in: Arvada / Aurora / Conifer / Denver / Elizabeth / Englewood / Kiowa / Parker

SALES BankofChoiceOnline.com (970) 506-1000 Restaurant retail (000s) Larimer County $101,440 $102,245 -0.79% $95,718 5.98% 1/07 *ATM fees are refunded if above account requirements are met during the Weld County $50,563 $49,804 1.52% $49,301 2.56% 1/07 qualification cycle. *6.03% Annual Percentage Yield (APY) paid on balances Gross sales (000s) between one penny and $35,000 and 1.01% APY paid on all amounts above $35,000 Larimer County $664,596 $652,820 1.80% $632,019 5.15% 5/07 each monthly qualifying cycle the minimum account requirements are met. If you do Weld County $665,495 $661,252 0.64% $627,765 6.01% 5/07 not meet the minimum requirements during the monthly qualification cycle, your New tax accounts $376 $490 -23.27% $379 -0.79% 6/07 account will still function as a free checking account earning 1.01% APY on the full balance; however, ATM fees will not be refunded. To qualify, MasterCard debit card (point of sale) purchases must post during the qualification cycle. ATM transactions Note: Unless otherwise indicated, all statistics are for Larimer and Weld counties combined. and Online Banking Bill Pay transactions or other forms of electronic transfers do not count toward MasterCard debit card (point of sale) purchases. Monthly direct deposit and automatic withdrawal means automated clearing house (ACH) Sources: Colorado Division of Local Government (Population stats); Larimer County Workforces Center (Employment stats); Fort Collins-Love- transactions. Qualification cycle means the period beginning one day prior to the land Municipal Airport; Larimer, Weld County Depts. of Motor Vehicles (Motor vehicle registrations); Vectra Bank Colorado (Colorado & U.S. current statement cycle through one day prior to the close of the current statement Small Business Indices); F.W. Dodge Data (Construction statistics); SKLD Information Services LLC (Bankruptcy, foreclosure); LexisNexis cycle. Interest rate and APY are subject to change after account is opened. (Patents); The Home Builders Association of Northern Colorado (Building permits); Colorado Division of Housing (Apartment vacancies & Minimum deposit of $100 required to open this account. No minimum balance rates); Realtec Commercial Real Estate Services Inc. (Office, retail, industrialvacancy rates); Colorado Deptment of Revenue (Restaurant sales, required. No monthly service charges. Available for personal accounts only. APY gross sales figures, new sales tax accounts); U.S. Depts. of Labor, Bureau of Labor Statistics (Consumer Price Index). effective as of the publication date. Do I sell a $250 pair of sneakers or schlep boxes to the Post Offi ce? That’s a tough one.

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