P6 The SpokeSman • WedneSday, november 24, 2021
4 reasons to invest in cybersecurity insurance
BY KEYLEN VILLAGRANA
bbb advice
General
Merchandise
200
207
should you need to utilize lawyers to help
put the pieces back together following a
breach.
• Lost income: Data breaches aren’t
cheap. If your business has to shut down its
operations because of a cyberattack, those
disruptions can result in thousands or
even millions of dollars in losses. You may
need to purchase new hardware as well, in
case the attack caused permanent damage
to some of your systems.
• Ransom: Should an attacker hold
your data hostage until you pay to get it
back, that’s considered extortion. Covering
costs associated with those investigations
is included in some cyber insurance poli-
cies, as well as any expenses incurred when
recovering that information.
• Reputation: False information about
your company that’s shared online can per-
manently impact your business’s credibility.
Its why defamation connected to cyberbul-
lying or other forms of online harassment is
insured under some cyber policies.
Finding a trustworthy cyber insurance
policy may require a bit of leg work. “Cy-
bersecurity is such a dynamic and chang-
ing environment, policies this year have
changed completely from where they were
last year,” says Derek Gabriel, CEO of Ig-
nite Solutions Group, a BBB Accredited IT
services provider. “The requirements to get
those policies and what those policies will
protect has really changed dramatically. So,
you really want to work with a specialist.”
Gabriel strongly advises businesses to
leverage their current insurance contacts to
find someone equipped for the job. Insur-
ance companies that specialize in cyber cov-
erage are becoming more common, too.
Consumers are becoming increasingly
knowledgeable on the ways their infor-
mation can be breached. Adding a cyber
insurance policy not only demonstrates to
customers that you care about safeguard-
ing their privacy, but it also differentiates
you from your competitors.
The FTC has provided a list of ques-
tions to help you make the right call when
choosing a cyber insurance policy.
For more cybersecurity tips, visit
trust-bbb.org.
Holiday Village Market: Find gifts
for friends, family and everyone in-
between while supporting local artists,
artisans, crafters and nonprofits.
Features 10 european-style kiosks and
numerous pop-up vendors, plus Santa;
11 a.m.-5 p.m.; free; Centennial park,
corner of SW Seventh St. and evergreen
ave., redmond; facebook.com/
redmondoregon or 541-923-5191.
Bonfires, Bikes and Brews: The
cauldron will be fired up with 5 draft
beers and enough gear and bikes in the
shop to keep you busy for a few hours
every other Friday; 4:30-7 p.m.; Good
bike Co., 284 ne Third St., prineville;
prinevillechamber.com or 541-447-6304.
SOLUTION
80’s Dance Night: Two local redmond
dJ’s spinning vinyl records from the 80’s
all night; 7 p.m.-12:30 a.m.; free; high
desert music hall, 818 SW Forest ave.,
redmond; highdesertmusichall.com or
541-527-1387.
SATURDAY 11/27
SATURDAY
Three Sisters Lions Club 10th Annual
Holiday Faire: The annual boutique-
style fair features gift items made by local
vendors; 10 a.m.-5 p.m.; free; Sisters Lions
holiday Faire, 142 e. main St., Sisters;
sisterscountry.com or 541-549-0251.
Holiday Village Market: Find gifts
for friends, family and everyone in-
between while supporting local artists,
artisans, crafters and nonprofits.
Features 10 european-style kiosks and
numerous pop-up vendors plus Santa;
11 a.m.-5 p.m.; free; Centennial park,
corner of SW Seventh St. and evergreen
ave., redmond; facebook.com/
redmondoregon or 541-923-5191.
Maragas Winery Thanksgiving
Weekend Barrel Tasting:
Complimentary admission, live music,
barrel taste, wine, beer, soft drinks,
mediterranean apps all available for
purchase; 11 a.m.-5 p.m.; maragas
Winery, 15523 U.S. highway 97, Culver;
maragaswinery.com or 541-546-5464.
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Post-Turkey Day Hike: ready to hike off
all that turkey, tofurkey, and pie? Join the
deschutes Land Trust and michele mckay
for a hike to explore Whychus Canyon
preserve.; noon-3:30 p.m.; Whychus
Canyon preserve, off Goodrich road,
Sisters; deschuteslandtrust.org or (541)
330-0017.
SOLUTION
SOLUTION
Crossword on
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on Page
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Civil War Watch Party: dress in your
favorite team’s items for a chance to
win a prize at the football watch party
between oregon State and University of
oregon; noon; over the edge Taphouse,
13959 SW Commercial Loop, Terrebonne;
facebook.com/overtheedgetaphouse or
541-527-2101.
Take-and-Make Craft Soapmaking: In
this hands-on workshop, dIy enthusiasts
will explore an accelerated soap-making
technique called “melt & pour” using a
microwave and various ingredients; 1-1:30
p.m.; deschutes public Library, online;
deschuteslibrary.org or 541-923-5191.
Live at the Vineyard — Clay Helt:
The solo guitarist will perform; 5-8 p.m.;
$10 adults, children 12 and under free;
Faith, hope and Charity vineyards, 70450
nW Lower valley drive, Terrebonne;
faithhopeandcharityevents.com or 541-
350-5384.
Friendsgiving: an evening of festive
eats, the ticket includes-a live concert
on the big screen, table seating and a
meal for one; 6 p.m.; $15 plus fees; high
desert music hall, 818 SW Forest ave.,
redmond; highdesertmusichall.com or
541-527-1387.
Bootah’s Claus Festival: The farm will
host a holiday village complete with local
artisans, vendors, entertainment, family
activities, hiking, fun runs and more;
Sun Life Farm & ranch, 1607 nW Gerke
road, prineville; sunlifefarm.com or 541-
636-9909.
SUNDAY
11/28
SUNDAY 11/28
Three Sisters Lions Club 10th Annual
Holiday Faire: The annual boutique-
style fair features gift items made by local
vendors; 10 a.m.-5 p.m.; free; Sisters Lions
holiday Faire, 142 e. main St., Sisters;
sisterscountry.com or 541-549-0251.
Maragas Winery Thanksgiving
Weekend Barrel Tasting:
Complimentary admission, live music,
barrel taste, wine, beer, soft drinks,
mediterranean apps all available for
purchase; 11 a.m.-5 p.m.; maragas
Winery, 15523 U.S. highway 97, Culver;
maragaswinery.com or 541-546-5464.
Christmas Marketplace — Sip and
Shop: Shop for artisan products and
gifts while sipping on selections of the
winery’s vintages; noon-4 p.m.; free;
Faith, hope and Charity vineyards, 70450
nW Lower valley drive, Terrebonne;
faithhopeandcharityevents.com or 541-
526-5075.
Bootah’s Claus Festival: The farm will
host a holiday village complete with local
artisans, vendors, entertainment, family
activities, hiking, fun runs and more;
Sun Life Farm & ranch, 1607 nW Gerke
road, prineville; sunlifefarm.com or 541-
636-9909.
MONDAY
11/29
MONDAY 11/29
Three Sisters Lions Club 10th Annual
Holiday Faire: The annual boutique-
style fair features gift items made by local
vendors; 10 a.m.-5 p.m.; free; Sisters Lions
holiday Faire, 142 e. main St., Sisters;
sisterscountry.com or 541-549-0251.
Tree-ific Craft Night: Create a ceramic
light-up tree to bring home with you; 6-9
p.m.; $30.00 nightlight tree; $65 11” table
top tree; Wild ride brewing Co., 332 SW
Fifth St., redmond; meanderingmaker.
com or 541-610-2520.
Open Mic: First timers to pros, everyone’s
welcome to sing up for open mic; 5:30-
7:30 p.m.; free; General duffy’s Watering
hole, 404 SW Forest ave., redmond;
generalduffys.com or 541-527-4345.
Quiet Writing Time: enjoy the focus
of a quiet space with the benefit of
others’ company; 10:30 a.m.-12:30
p.m.; free; redmond public Library,
827 SW deschutes ave., redmond;
deschuteslibrary.org or 541-312-1050.
Know Timber — Totem Poles, the
Past and the Present: destroyed,
stolen, and appropriated through
colonization, hear how 21st century
northwest Coast Indigenous people are
now reappropriating their artistry into
symbols of native sovereignty; 6-7 p.m.;
free; deschutes public Library, online;
deschuteslibrary.org or 541-312-1029.
Worship Directory
Baptist
Non-Denominational
Non-Denominational
Highland Baptist Church
Seventh Day Adventist
3100 SW Highland Ave., Redmond
541-548-4161
Barry Campbell, Lead Pastor
945 W. Glacier Ave.,
Redmond, OR
541-923-0301
Sunday Worship Services:
Blended - 8 & 9 am
Contemporary - 10:30 am
(Worship Center)
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Joe A Lochner, Agent
www.joelochner.com
Redmond, OR 97756
Bus: 541-548-6023
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2001875
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Sabbath School 9:30 am
Worship 10:45 am
Roman Catholic
Roman
hbc Español - 10:30 am
Acoustic - 6 pm
(Youth Room)
St Thomas Roman Catholic
Church
Living Nativity
Experience the first Christmas
Dec. 10 & 11
5-7 pm
(recurring outdoors every 20 minutes)
Father Todd Unger, Pastor
How can hbc pray for you?
prayer@hbcredmond.org
For more information and online
services visit us at
www.hbcredmond.org
CHECK YOUR AD
On the first day it runs to
make sure it is correct.
Call 541-617-7823 for corrections.
rfhi
1001
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Public Notices
210
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TUESDAY 11/30
11/30
TUESDAY
Three Sisters Lions Club 10th Annual
Holiday Faire: The annual boutique-
style fair features gift items made by local
vendors; 10 a.m.-5 p.m.; free; Sisters Lions
holiday Faire, 142 e. main St., Sisters;
sisterscountry.com or 541-549-0251.
Legal
Notices
Legal Notices &
Three Sisters Lions
Club Holiday Fair.
11/26-12/18. M-F, 10-5.
Sat 10-6. Sun 11-4.142
E Main, Sisters. Great
selection of handmade,
high quality items from
local vendors.
123rF
541 - 385-5809
Holiday Bazaar
merchandise to
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Hours:
W
hile billion-dollar corporations
and their very public battles
with issues such as ransomware
attacks typically garner most of the head-
lines, small businesses are far from im-
mune to cybersecurity troubles. In fact,
they’re just as susceptible as their larger
counterparts.
According to Accenture’s Cost of Cy-
bercrime Study, 43% of all cyberattacks
target small businesses.
But less than 15% of the
businesses that fit that
description are prepared
to protect themselves
should their systems get
breached.
Password manage-
Villagrana
ment, system updates,
consistent training –
those measures may not be enough. Prac-
ticing cyber hygiene does better position
your business to avoid a cyberattack. But
breaches can still happen, and when they
do, the fallout is potentially devastating.
Cyber insurance is a form of coverage
that helps organizations and individu-
als remediate issues that arise following a
cyberattack. With the number of cyber-
crimes continuing to rise, pairing consis-
tent cyber hygiene with an appropriate
cyber insurance plan is an approach more
businesses are taking.
If your data is breached, cyber insurance
lessens the amount of time it takes to re-
cover. In many cases, it can also help mini-
mize most the financial losses incurred.
If you’re considering cyber insurance
for your company, or maybe you just want
to learn what it is, Better Business Bureau
outlines the protections it offers and in-
sight for finding a trustworthy policy:
• Legal defense: Depending on the se-
verity of the attack, you or your business
may need to connect with some legal help.
That type of assistance is typically pretty
costly. Cyber insurance covers expenses
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234
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Central Oregon's
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Show! Dec. 11 & 12
Sat. 9-5 • Sun. 9-3
Deschutes County Fair
& Expo Center
Admission $8.00!
Military/Vets: $6.00
503-363-9564
wesknodelgunshows.
com
Legal Notice
IN THE CIRCUIT
COURT OFTHE
STATE OF ORE
GON
FOR THE COUNTY
OF DESCHUTES
IN THE MATTER OF
THE PETITION of
the Panoramic Ac
cess Special Road
District,
Petitioner.
For a Judicial Exam
ination and Judg
ment of the Court
as to the Regularity
and Legality of Res
olution 2021-1 and
Resolution 2021-2.
Case No. 21CV41823
NOTICE AND SUM
MONS
NOTICE AND SUM
MONS is given that
a Petition for Judi
cial Validation has
been filed in the
above-titled
court
by the Board of Di
rectors (“Board”) of
the Panoramic Ac
cess Special Road
District
(“District”).
The Petition seeks
judicial examination
and judgment of the
court pursuant to
ORS 33.710 to ORS
33.720
validating
the legality of Res
olutions 2021-1 and
2021-2 adopted by
the Board, as the
governing body of
the District, relating
to road improve
ments in the District
and the financing of
the road improve
ments.
On May 11, 2021,
Petitioner
adopted
Resolution
2021-1
authorizing the Dis
trict to proceed with
road improvements
with an estimated
cost of $795,000
and to assess each
lot in the District an
estimated $5,656.73
on a per lot basis. On
October 19, 2021,
Petitioner
adopted
Resolution
2021-2
authorizing the Dis
trict to finance the
road improvements
by: (1) issuing and
selling an assess
ment bond anticipa
tion note (“Note”); (2)
issuing assessment
bonds
(“Bonds”);
and (3) selling the
Note and Bonds at
a public or negotiat
ed sale. The Bonds
would be a special
obligation of the Dis
trict payable solely
from the installment
payments of the final
assessments.
The
President or Trea
surer is appointed to
act as an Authorized
Representative”
of
the District for pur
poses of the Note
and Bonds trans
actions. Resolution
2021-2 approves the
process for the issu
ance and sale of the
Note and Bonds in
the best interests of
the District and pro
vides for compliance
with the Oregon Re
vised Statutes.
The Petition for Judi
cial Validation asks
the court to declare
and
enter
judg
ments: (1) that the
District's
Resolu
tions No. 2021-1 and
2021-2 are valid; (2)
authorizing Petition
er to expend approx
imately $795,000 for
construction of the
road improvements
in the District; (3)
authorizing Petition
er to assess each
lot
$5,656.73
to
complete the road
improvements
and
to enforce such as
sessments; (4) au
thorizing
Petitioner
to enter into con
tracts to complete
the road improve
ments (5) authoriz
ing the Petitioner to
provide for and issu
ance of a Note and
Bonds of the District
1001
Legal Notices &
Public Notices
for the purpose of
financing the road
improvements; and
(6) authorizing the
Petitioner to sell the
Note and Bonds.
Notice is further giv
en that this Notice
and Summons will
be published once
per week for three
successive weeks in
The Bend Bulletin, a
newspaper of gen
eral circulation pub
lished in Deschutes
County. Jurisdiction
shall be complete
upon the Panoram
ic Access Special
Road District and
all electors, free
holders. taxpayers,
and other interested
persons, within ten
(10) days after No
vember 24, 2021,
the date of last pub
lication of this Notice
and Summons.
NOTICE TO INTER
ESTED PERSONS;
READ THESE PA
PERS
CAREFUL
LY!
At any time before the
expiration of ten (10)
days after the last
date of publication,
any interested per
son may “appear”
and contest the va
lidity of the Petition,
or any of the acts
or things therein
enumerated. To “ap
pear'' you must file
with the court a legal
document called a
"motion” or “answer.”
The “motion” or “an
swer” must be given
to the court clerk or
administrator along
with the required
filing fee. It must be
in proper form and
have proof of service
on the Petitioner’s
attorney.
If you have any ques
tions, you should
see
an
attorney
immediately. If you
need help in finding
an attorney, you may
contact the Oregon
State Bar’s Lawyer
Referral
Service
online at www.ore-
gonstatebar.org
or
by calling (503) 684-
3763 (in the Portland
metropolitan area) or
toll free elsewhere in
Oregon at (800) 452-
7636.
DATED: November 3,
2021 .
KARNOPP PETERS
EN LLP
s/ Tyler J. Moore
Josh Newton. OSB
No. 983087
jn@karnopp.com
Tyler J. Moore, OSB
No. 172544
tjm@karnopp.com
360 SW Bond Street,
Suite 400
Bend, Oregon 97702
Of Attorneys for Peti
tioner
Legal Notice
The undersigned has
been
appointed
personal represen
tative of the Estate
of Susan L. Ryan,
Deceased, by the
Deschutes
Coun
ty Circuit Court of
the State of Ore
gon, probate num
ber
21PB09207
All persons having
claims against the
estate are required
to present the same
with proper vouch
ers within four (4)
months after the
date of first publi
cation to the under
signed or they may
be barred. Additional
information may be
obtained from the
court records, the
undersigned or the
attorney.
Date first published:
November 17,2021.
Jeffrey Wellman
Personal Represen
tative
c/o Steven D. Bryant
Attorney at Law
Bryant Emerson, LLP
PO Box 457
Redmond OR 97756
Legal Notice
Storage
Lien
sale
Cascade View Stor
age Solutions 1260
NE Hemlock Ave,
Redmond, OR. Unit
116 Aahminneecha
T Fallsrock. Auction
date
11-30-2021,
11:45 am.
* PLAY FOR FREE
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Redmond, Oregon 97756
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