01/28/2010 - Dakota County Tribune Business Weekly by Dakota County Tribune

Legislators discuss health care, budget, jobs 2A ERIN JOHNSON Lockheed Martin to cut 1,200 workers 7A DERRICK WILLIAMS Lakeville Snyder Drug owners receive award 9A JESSICA HARPER

dakotacountytribune.biz dakotacountytribune.biz

DATE ##, 2009 JANUARY 28, 2010

VOLUME 30, NUMBER # VOLUME 30, NUMBER 48

Dakota County Tribune Since 1884

Employers prepare for changing workforce

INSIDE BIZ BUZZ SPOTLIGHT

Culture shift, potential shortage created by Baby Boom Generation retirees to present challenges, opportunities for businesses by Jessica Harper DAKOTA COUNTY TRIBUNE

As large numbers of Baby Boom Generation workers, those born between 1946 and 1964, reach retirement age in the next few years, many employers will have to adapt to the changing workforce. According to the state Demographer’s Office, Minnesota is expected to have a 30 percent increase in the number of workers turning age 62 between 2008 and 2012. State Demographer Tom Gillaspy said he expects the number of people retiring will increase for more than a decade as boomers age, but that it will to begin level off by 2022. “The situation with baby boomers poses both risks and opportunities for employers,” said Durwin Long, assistant dean of executive and professional development for the University of St. Thomas. The biggest challenge employers could face as boomers retire over the next 10 to 20 years is a potential shortage of workers, Long said.

Photo by Jessica Harper

Uponor, a manufacturer with a North American headquarters in Apple Valley, is one of many companies preparing for a potential shortage in workers as baby boomers retire over the next 10 to 20 years. There are about 76 million baby boomers in the United States today, but only 47 million Generation Xers – those born after the boomers until about 1981. “This generation gap will manifest itself sooner or later,” Long said. The workforce will likely see the greatest shortage in workers ages 35 to 49 in the next five

years, according to the state Demographer’s Office. Minnesota is expected to have 108,200 fewer people ages 35 to 49 between 2005 and 2015, according to the demographer’s office. Dakota County is expected to follow a similar trend with 9,868 fewer people between the ages of 35 and 49.

As a result, employers will need to find innovative ways to attract and retain employees, Long said. Uponor’s North American headquarters in Apple Valley is already preparing for this potential shortage. The sprinkler systems manufacturer has 320 employees at its office and manufacturing site in Apple Valley and 45 employees at its distribution center in Lakeville. The median age at both locations is currently 41. Twenty percent of employees at Uponor are age 50 and older. “Our challenge is that there may not be as many skilled workers entering the workforce,” said Eric Fiedler, learning and organization development manager at Uponor. Uponor tends to hire mid- career workers, who are typically around age 40, for its entry-level positions, Fiedler said. Finding these employees will likely be more difficult in the next few years, he said. “We may attempt to retain

by Jessica Harper DAKOTA COUNTY TRIBUNE

Graph by Robyn Berg

Minnesota and Dakota County are expected to experience a major spike in people ages 54 to 85, and a decline in people ages 35 to 49 by 2015.

John, a Dakota County resident who asked to be identified by only his first name, thought he had his retirement all planned out. He had a pension plan and mutual funds through a nearby county where he is employed as a social worker. His goal was to retire at age 59 after working in the field for more than 30 years. However, John faced a big bend in the road to retirement when his mutual fund lost 10 percent of its value between 2000 and 2009, and his pay was frozen as a result of the reces-

FORUM

State cannot afford additional debt brought on by bonding bill. 4A PHIL KRINKIE BEST PRACTICES

Learn to trust your gut instincts, but not always. 5A JEFF APPELQUIST BUSINESS 101

DCTC seminar will help sharpen business, job search skills. 6A

See Workforce, Page 44A

Working longer More older people in workforce as many delay retirement due to recession

JAMES MADSEN

sion. “I would have pulled all my money out (of the mutual fund) and put it into a fixed account had I known what would happen,” he said. “I would have been further ahead.” John said the pay freezes prohibit him from collecting as much as he would like from his pension since it is based on his last five earning years. He said he and his wife who is also a social worker, already live paycheck to paycheck and cannot afford to retire yet. John is an example of a growing trend to delay retirement due to the recession. According to an AARP 2008 national survey, 65 percent of respondents age 45 and older said they will delay retirement if the economy does not improve. Sixty-nine See Longer, Page 44A

James Barton Design-Build in Apple Valley received an honorable mention from NARI 3A

LISA BAH CAPITOL COMMERCE

Former Eagan Mayor abandons run for governor 11A PAT ANDERSON

!""'! !

General 952-894-1111 Distribution 952-846-2070 Advertising 952-846-2011

January 28, 2010 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Legislators discuss health care, budget, jobs Lawmakers talk about 2010 session at legislative breakfast sponsored by local chambers by Jessica Harper DAKOTA COUNTY TRIBUNE

Minnesota Legislators are faced with an uphill battle this year as they confront rising health care costs, unemployment and the state budget deficit. Legislators representing Dakota County districts spoke about solutions to these and other issues Jan. 15 during a Legislative breakfast at Flint Hills Resources in Rosemount. Approximately 100 business and city leaders attended the event, which was sponsored by the Dakota County Regional and River Heights chambers of commerce. The following state legislators answered questions prepared by the River Heights chamber: Rep. Pat Garofalo, RFarmington; Sen. Chris Gerlach, R-Apple Valley; Rep. Phil Sterner, DFL-Rosemount; Sen. Jim Carlson, DFL-Eagan; Rep. Sandra Masin, DFLEagan; Rep. Mike Obermueller, DFL-Eagan; Rep. Rick Hansen, DFL-South St. Paul, and Rep. Karla Bigham, DFLCottage Grove. The entire panel was asked to state the top goal for the 2010 legislative session. Bigham, Gerlach, Sterner, Obermueller and Hansen said their top priority is job growth. Gerlach and Hansen said they want to promote job growth in the private sector. “Understand that the government can’t create productive jobs,” Gerlach said. “When someone says they will take from one to give to another, this only takes from the private sector.” Hansen agreed that private sector job growth is an important asset, but added that he also plans to address statewide rail plans this session. Sterner said he thinks the $685 million bonding bill re-

Photo by Jessica Harper

Rep. Sandra Masin, DFL-Eagan, spoke about how legislators can strike a balance between preserving the environment and allowing industries to conduct business during the legislative breakfast hosted by the Dakota County Regional and River Heights chambers of commerce on Jan. 15 at Flint Hills Resources in Rosemount. cently proposed by Gov. Tim Pawlenty has the ability to create jobs. Sterner said he also plans to push for the creation of a “long-range plan” for the state. Obermueller and Bigham said they, too, think the bonding bill will create jobs. Bigham said she also plans to push for legislation that will help balance the budget this session. Bigham said the state needs to reform tax incentive programs for small businesses. “Some do not work as well as we would like them to,” she said. “What doesn’t work, we need to get rid of and put into associations.” The state budget and deficit are key issues that Garofalo, Masin and Carlson said they plan to address this session. Garofalo said he sees too many flaws in funding proposals such as a $685 million bonding bill. “Ponzi schemes and bubbles all share a disconnect between revenues and expenditures,” Garofalo said. “Although the bonding bill will create jobs, I will not vote for it until we find a way to finance it.” The legislators answered the rest of the chamber’s questions in pairs.

Health care

Education funding

When asked whether the U.S. Senate’s health care reform bill would affect MinnesotaCare, Bigham and Garofalo had opposing views. Bigham said that not passing the bill would have worse consequences than passing it. “It would put a big burden on hospitals, especially for people with mental illness,” Bigham said. “If they don’t get treatment, we will be filling our jails.” Bigham said that people need to focus on the positive aspects of the bill such as the fact that it will prohibit insurance companies from denying people who have preexisting conditions. Garofalo said he does not support the bill because he worries about funding the programs and requirements proposed in it. “There’s no way to pay for this,” he said. Garofalo said he thinks that southern states such as Mississippi and Alabama would receive more benefits from the legislation than Minnesota since those states do not have programs like MinnesotaCare.

When asked how they would reform education spending, both Hansen and Obermueller said they think the state needs to uphold its promise to reinstate funding that has been cut. “When we take away state funding, local levies go up, so property taxes increase,” Obermueller said. Obermueller said Legislators need to consider rising costs of employees and health insurance when voting on education funding bills. He also advocated for increased spending on special education. “We need to look at how not funding special education takes away funds that could otherwise be used,” he said. Hansen agreed, and said he also sees an inequity in education funding that is based on whether districts have the ability to sustain themselves.

Environment When asked how they would address the environmental permit process, Sterner and Masin had slightly different approaches. Sterner said legislators need to see whether they can cut

back on “red tape” to improve the business climate. “Sometimes trying to legislate it rather than fix it with regulation enforcement creates more problems,” he said. Masin agreed that, in some instances, the permitting process can take a long time when dealing with environmental issues. However, she said these are necessary requirements that protect, not only the environment, but also the community. “Some of the things we deal with concern health,” she said. “Hopefully we are getting to the point when what comes out of the smoke stacks is mitigated.” However, she said she would not favor regulation that was so restrictive it made it difficult for members of the community and local authorities such as the economic development or planning commissions from being involved in the process.

here,” he said. Gerlach agreed saying that nuclear power is important in long-term thinking and that he is confident a proposal for nuclear power will be passed soon.

Bipartisanship

When asked whether they will work on legislation in a bipartisan manner this session, most members of the panel said they would. “We can work together,” Obermueller said. “We need to make sure that things that we agree on are pushed through, then work out things we disagree on.” Gerlach agreed that there are times when bipartisanship is the best way to pass legislation, but that there are other times when it is not. “You send us to fight for your interests and stand up for your ideas,” he said. Garofalo agreed. “I like everyone that I sit up here with,” he said. “I would Nuclear energy trust them to baby-sit my kids, When asked whether they but I think they spend too would support expanding nu- much money.” clear power in the state, both Sen. Pat Pariseau, R-

Photo by Jessica Harper

About 100 people attended a legislative breakfast sponsored by the Dakota County Regional and River Heights chambers of commerce on Jan. 15 at Flint Hills Resources in Rosemount. Carlson and Gerlach agreed they would. Contrary to some beliefs, Carlson said, nuclear power plants’ safety measures have made leaps and bounds over the last few decades. “There are a lot of differences between what happened in Chernobyl and

Farmington; Sen. Jim Metzen, DFL-South St. Paul; Rep. Joe Atkins, DFL-Inver Grove Heights; and Sen. Katie Sieben, DFL-Newport were also invited to the discussion but did not attend. Jessica Harper is at jessica.harper@ecm-inc.com.

Photo by Jessica Harper

Rep. Mike Obermueller, DFL-Eagan spoke about his support for increased education spending, saying Legislators need to consider the cost of employees and health insurance when voting on education-funding bills during the legislative breakfast hosted by the Dakota County Regional and River Heights chambers of commerce on Jan. 15 at Flint Hills Resources in Rosemount.

Photo by Jessica Harper

Sen. Chris Gerlach, R-Apple Valley, spoke about his plans to promote job growth in the private sector and balance the state budget during the legislative breakfast hosted by the Dakota County Regional and River Heights chambers of commerce on Jan. 15 at Flint Hills Resources in Rosemount.

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY January 28, 2010

Buzz People, places and pursuits creating buzz in Dakota County business this week as submitted by the local business community

New Hires

Accolades

PAULA JOSSART

TONI DeGROOD

Joins Otten & Seymour law ﬁrm Burnsville

Hospitality Employee of the Year Brackett’s Crossing Country Club Lakeville

Twin Cities attorney Paula Jossart has joined the Otten & Seymour law firm and will be a key member of its personal injury practice team. Jossart will litigate personal injury, motor vehicle and railroad accidents, and wrongful death cases, among others. In her decade of personal injury practice in the Twin Cities, Jossart was named an “Attorney of the Year” by Minnesota Lawyer magazine for her success in gaining a $12.5 million verdict in a case where the plaintiff suffered serious burns in a boiler explosion. Jossart was selected as a “Top Young Lawyer in Minnesota” by Minneapolis St. Paul Magazine, and named a “Rising Star” by Law & Politics magazine four times and a “true leader” alumnus by the William Mitchell College of Law Magazine. A native of North Dakota, Jossart graduated from the University of North Dakota with a bachelor of arts degree in 1992 and received her juris doctor degree from the William Mitchell College of Law, St. Paul in 1999. Jossart was admitted to practice in the U.S. District Court, District of Minnesota in 1999. She is a member of the American Bar Association and the Minnesota State Bar Association. Jossart, a recognized leader in handling cases under the Federal Employers Liability Act, will assist clients across the nation in pursuing claims against railroads. GRANT SCHARA Joins JBL Co. Inc. Eagan

Toni DeGrood of Brackett’s Crossing Country Club was named 2009 Lakeville Hospitality Employee of the Year by the Lakeville Area Chamber of Commerce. DeGrood has been a banquet captain at Brackett’s for 11 years. DeGrood was recognized at the Lakeville Chamber’s annual membership meeting and holiday dinner Jan. 25. MIKE GUNDERSON Hospitality Employee of the Year Holiday Inn and Suites Lakeville

Mike Gunderson of the Holiday Inn and Suites in Lakeville was named 2009 Lakeville Hospitality Employee of the Year by the Lakeville Area Chamber of Commerce. Gunderson began his career at the Holiday Inn during its construction in 2005, and has held several positions, working up to management. Gunderson was recognized at the Lakeville Chamber’s annual membership meeting and holiday dinner Jan. 25. LARRY POPPLER Receives Benevolence Award Catholic Order of Foresters Eagan

Larry Poppler of Eagan, a general agent with Catholic Order of Foresters, received a Richard Tobin Agent Benevolence Award. Poppler is one of COF’s 20 leading producers. Recipients select an organization to receive a $500 contribution in their name. Poppler presented his donation to St. Matthew and St. Bernard schools in St. Paul. GARY R. WAGNER

JBL Companies Inc., announced that it has added Grant Schara as property manager. Schara has experience managing office, warehouse, retail and residential real estate. He began his career in the Chicago multi-family, high rise market where he was promoted to the ranks of property manager. He then made the transition from residential to commercial property management when he joined U.S. Equities Realty to manage a mixed-use high rise in the University of Chicago’s real estate portfolio. At JBL Companies, Grant specializes in fiscal management/budgeting, financial reporting, vendor management and focuses on aligning the business interests of tenants with that of building ownership.

Qualiﬁes for recertiﬁcation Henry W. Anderson Mortuary Apple Valley

Gary R. Wagner of Burnsville has recently qualified for recertification of the designation of Certified Funeral Service Practitioner by the Academy of Professional Funeral Service Practice. To initially receive this award, practitioners must complete a 180-hour program of continuing education activities and events. Practitioners are also required to accumulate 20 hours per year to recertify. Credits are awarded for work leading to personal and/or professional growth in four areas: academic activities; professional activities; career review (for retroactive credit); and community and civic activities.

Apple Valley contractor receives honorable mention James Barton Design-Build receives award from NARI Minnesota Chapter by Jessica Harper DAKOTA COUNTY TRIBUNE

James Barton DesignBuild of Apple Valley recently received an honorable mention during the National Association of Remodeling Industry’s Minnesota Chapter’s 2009 Contractor of the Year awards. “It’s nice to be recognized,” James Barton Design-Build owner James Madsen said. “I think what it does, especially in this economy, is show that we try to do more with less for homeowners.” The award was given in the residential kitchen remodel for $60,000 and less category. James Barton DesignBuild received the award for a 1980’s kitchen that was updated. In addition to the honorable mention, the company has previously received the 2006 Minnesota Contractor of the Year award from the Chrysalis Foundation, the 2009 Highest Apple Award from the Apple Valley Chamber of Commerce, and the 2008 Apple Valley Chamber President’s Award. The Apple Valley Chamber awards were for James Barton DesignBuild’s commitment to the

Photo submitted

James Madsen of James Barton Design Build in Apple Valley received an honorable mention during the National Association of Remodeling Industry’s Minnesota Chapter’s 2009 Contractor of the Year awards. Also pictured is Stacey Carol Quinn, 2009 NARI Minnesota president. community. Every year, it donates about $25,000 in labor and materials to update community buildings, and two years ago, the company

worked with the armed forces to build access ramps for disabled veterans. Jessica Harper is at jessica.harper@ecm-inc.com.

Submission to Buzz The Dakota County Tribune Business Weekly includes promotions, new hires, retirements, awards and other such business news on the Buzz page. If you have an announcement you would like included in this part of the newspaper, send submissions by e-mail to jessica.harper@ecm-inc.com, fax to (952) 846-2010 or mail it to the Burnsville office at 12190 County Road 11, Burnsville, MN 55337. When sending a photo by e-mail be sure that it is 200 dpi or greater. Include a daytime phone number if someone from the newsroom needs to contact the business for additional information. Deadline is 5 p.m. Friday prior to Thursday edition. Submission of information does not guarantee publication. All items are subject to editing. Tips on what to include in the submission are: names, titles, dates, business name, brief description of the news taking place, brief description of the business, contact names and numbers.

Submissions to Buzz: www.DakotaCountyTribune.biz

January 28, 2010 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Forum Commentary and opinion regarding issues in the world of business and public policy

Small businesses are key to Minnesota’s economic recovery by Amy Klobuchar SPECIAL TO THE TRIBUNE

Minnesota’s 120,000 small businesses account for more than half of our state’s private-sector employment, and their job growth rate exceeds that of large businesses. In other words, the success of Minnesota’s small businesses is vital to the success of Minnesota’s overall economy. For the past few months I have traveled around the state to work with our innovative small businesses that are creating new jobs and holding their own in a tough economy. I believe that the agenda in Washington needs to match the determination of the workers I have met and focus on how to create jobs by promoting our home-grown businesses. In Rushford, there’s Rushford Hypersonic, a company that uses a high-tech process to apply microscopic frictionreducing coatings to high-end industrial tools. Started two years ago, it has a dozen employees. In Duluth, there’s Epicurean, a company that makes commercial and home kitchen cutting surfaces. With 40 employees, it has customers in 45 countries. In Cohasset, I visited a Lonza plant that extracts a water-soluble polymer from larch trees for use in home healthcare products. It employs 16 people full time and supports about 30 spin-off jobs in our struggling local logging industry.

Guest Columnist Amy Klobuchar

Small businesses like these are engines of job creation. Nationally, they were responsible for an estimated 64 percent of net new jobs during the past 15 years. Small businesses have led our economy out of past recessions, and we need them to do it again. To fuel their growth, small businesses depend on access to both affordable credit and new markets. Unfortunately, fallout from the financial crisis has made credit scarce for many small businesses. It’s almost as though the skyscrapers of Wall Street collapsed on top of our Main Streets. Many community banks have valiantly sought to maintain their lending in this difficult economy. The American Recovery and Reinvestment Act provided small business tax cuts as well as funding to the Small Business Administration (SBA). The agency’s flagship lending program guaranteed 37 percent more loans in the fourth quarter of 2009 than it did a year earlier, totaling $3.8 billion. But SBA lending remains well below what it was just two years ago, and these

loans account for only a tiny fraction of overall small business lending. By contrast, the 22 large banks that received the most funding through the Troubled Assets Relief Program (TARP) actually cut their small business lending by $12.5 billion over the past eight months. One good exception is Minnesota-based US Bank which is one of three large banks nationally that actually increased its small business lending since April. It’s about time Main Street got a portion of this credit. Specifically, along with Senator and former Governor Mark Warner, I am pushing for a targeted program with up to $40 billion in returned TARP money leveraging private investment to increase the flow of credit to small businesses with the help of our community banks. In addition to better access to capital, our businesses need better access to potential customers, including the 95 percent of the world’s customers who live outside the United States. One example of a Minnesota small business achieving notable success in the export market is Mattracks. Located in Karlstad, the company manufactures rubber track systems for converting tireequipped vehicles into track-equipped all-terrain vehicles. The business was inspired by the founder’s young son, who had drawn a picture of a truck with tank

tracks instead of tires. Mattracks now sells its products in more than 50 countries and half of its business comes from international sales. You could say that Mattracks does business everywhere from Karlstad to Kazakhstan. In Karlstad, the moose capital of the Minnesota, employment at Mattracks has gone from six to more than forty. A key factor in the company’s international success has been export guidance provided by the U.S. and Foreign Commercial Service, a part of the U.S. Department of Commerce. I chair the committee on export promotion and believe small and medium-sized businesses should be able to compete internationally just like a big business. We need to step up our efforts to help. Finally, we need to reduce the government deficit. I have been an early cosponsor of legislation to get our financial house in order. To truly compete in a world economy we must transform ourselves from an economy dependent on consumption, imports, and debt and move towards an economy based on production, exports, and innovation. Our small businesses can lead the way. Amy Klobuchar, D-Minnesota, serves in the U.S. Senate and is the former Hennepin County Attorney.

Another day older and deeper in debt by Phil Krinkie SPECIAL TO THE TRIBUNE

With another legislative session about to start February 4, the prospect of state lawmakers putting Minnesota deeper in debt looms large. The politicians will tell you the state constitution requires a balanced budget, that revenues must match expenditures. But like the Hertz rental car commercials… “Not exactly.” What the politicians won’t tell you is that this provision is to prevent short-term borrowing, the “pay-day” loan variety of financing. The constitution doesn’t prevent state lawmakers from racking up billions of dollars in long-term debt to finance state construction projects. When the state wants to build buildings, pave trails or acquire more land, it sells general obligation bonds (i.e., a long-term loan paid back with interest over 20 years). Every year lawmakers consider which projects to fund with long-term debt. But 2010 is shaping up to be unique in Minnesota history. In the past, state legislators have adhered to a strict guideline, that no more than three percent of general revenues can be used for debt-service payments. The issue for the upcoming session is that this three percent debt-service guideline has already been exceeded due to the decline in tax revenues. But legislators seem undaunted by history or fiscal facts. The quest is to bolster their re-election opportunities by passing a bloated bonding bill. They seem determined to place an even greater debt load onto the taxpayer. Like President Obama, they claim that

Guest Columnist Phil Krinkie

government construction projects will help stimulate the economy. However, an analysis by the Associated Press released last week found that no matter how much stimulus money Washington poured out for road projects, the effort has had no effect on local unemployment numbers and has “only barely helped the beleaguered construction industry.” With Minnesota facing a billion-dollar budget deficit this year and a $5 billion projected budget shortfall next year-and with current debt payment totaling more than $4 billion-now is not the time to dig the state into a deeper fiscal hole. Like a family that can’t make their mortgage payment, it’s not the right time to put an addition on the house. Yet, some lawmakers are advocating for another $1.5 billion in borrowing. Like pouring gasoline on a fire, these lawmakers treat the state credit card like free money. Spend today because it won’t have to be paid back until later. The state’s credit card is maxed out, and every state legislator is aware of that fact. The fiscally responsible approach is not to up the credit card limit, but rather work on paying off the state’s current credit card debt, which helps to keep Minnesota’s excellent credit rating. Here’s a sobering fact: Every time law-

makers put a dollar on the “bonding” credit card, it costs about 50 cents in finance charges over the long term. So let’s consider that in aggregate: A billion-dollar bonding bill for state construction projects this year will cost taxpayers not only the billion dollars to repay the principal, but also an additional half a billion in financing costs over the 20-year term of the general obligation bond. As a former chair of the House Capital Investment Committee (bonding committee), I came to have a greater appreciation for hog farmers, because I learned firsthand about that old saying, “The most dangerous place to stand is between the hogs and the trough.” This saying is certainly true when looking at the overwhelming desire on the part of lawmakers to pay for new state construction projects with more debt. In 2010, the temptation will be to forget about the 30-year historical guideline for debt-service payments, and fabricate stories about job creation. The common-sense approach is to manage our state’s financial resources the same way Minnesotan’s expect elected officials to manage the state’s natural resources – wisely, and with an eye on the future. Phil Krinkie is a former Republican state representative from Lino Lakes and the president of the Taxpayers League of Minnesota. The eight-term lawmaker chaired the House Tax Committee and two other House panels. Krinkie’s e-mail is at: philk@taxpayersleague.org.

Submissions to Forum: www.DakotaCountyTribune.biz

Dakota County Tribune BUSINESS WEEKLY

(USPS 147240) Publisher............................. Julian Andersen President ........................ Marge Winkelman General Manager, Editor ...... Larry Werner Managing Editor .....................Tad Johnson Business Editor ..................... Jessica Harper Sales Manager ........................Mike Jetchick Production Manager............. Ellen Reierson Business Manager.................... Eva Mooney Buzz submissions... jessica.harper@ecm-inc.com Business Briefs ...... darcy.odden@ecm-inc.com Story ideas ............ jessica.harper@ecm-inc.com Letters ......................tad.johnson@ecm-inc.com Advertising ..................... ads.dct@ecm-inc.com

Entered as periodical matter at the post office at Burnsville, Minnesota. Periodicals postage paid at Burnsville, Minnesota. Issued weekly from an office in Burnsville.

Office Hours: 9 a.m. - 5 p.m. Monday - Thursday 9 a.m. - 3 p.m. - Friday

12190 County Road 11 Burnsville, MN 55337 952-894-1111 fax 952-846-2010

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY January 28, 2010

Best Practices

Go with your gut – but not always by Jeff Appelquist SPECIAL TO THE TRIBUNE

At first they believed the fire would be easy to control. In the summer of 1949, 15 smoke jumpers parachuted into a forest fire in a remote place called Mann Gulch, Montana. The situation appeared routine enough that the team’s leader, Wagner (Wag) Dodge, paused to eat his dinner before mobilizing to fight the blaze. But circumstances quickly took a perilous turn. The fire gained in size and fury, and Wag Dodge suddenly realized that he and his men were in grave danger. He instructed the men to drop their tools in an attempt to outrun the fire. But it spread too rapidly, and in a brilliant flash of intuition, Dodge set a small fire in front of the raging inferno and instructed his men to lie down with him in the ashes. The confused and terrified men failed to follow Dodge’s lead and instead sprinted frantically to try to stay ahead of the conflagration. Twelve of them died. Dodge’s escape fire, however, had deprived the main blaze of fuel, and it leapt

Guest Columnist Jeff Appelquist

over him. He survived unhurt. In one dramatic instant at Mann Gulch, Wag Dodge demonstrated both the extreme potential benefit and the occasional adverse downside of using intuition in decision making. Dodge proved that as a leader, sometimes it is important to go with your gut – but not always. In his bestselling book “Blink: The Power of Thinking Without Thinking,” author Malcolm Gladwell analyzes this powerful phenomenon of intuitive decision making, of gut-level choices made in a “blink.” Gladwell explains that it is the part of our brain known as the adaptive unconscious that enables us to leap to frequently correct conclusions by quickly and efficiently processing huge amounts of data. Our very survival as human beings depends on our ability to engage in this pro-

cess of rapid cognition. Despite our general bias towards thoroughness in decision making, Gladwell says, “… decisions made very quickly can be every bit as good as decisions made cautiously and deliberately.” The key to making consistently good intuitive decisions is training and experience. In the case of Wag Dodge, he had spent many more years as a smokejumper than most of the men he led at Mann Gulch. He soon understood the fire was not routine based on pattern recognition from previous fires. His expertise told him that the team could not outrun the fire while carrying their tools and, soon, that they could not outrun the fire at all. While he had never seen an escape fire used before, again, something in his long experience told him that such a technique just might work. He was right. Gladwell says, “This is the gift of training and expertise – the ability to extract an enormous amount

of meaningful information from the very thinnest slice of experience.” But it would be foolish for a leader to rely on intuition under every circumstance, for two reasons. First, our instincts can sometimes be disrupted and lead us astray. In other words, sometimes we are wrong. Second, if we rely on gut decisions but fail to communicate our reasoning to our teams and to bring them along, as the Mann Gulch scenario so tragically demonstrates, we will fail in our objectives. Gladwell writes, “Taking our powers of rapid cognition seriously means we have to acknowledge the subtle influences that can alter or undermine or bias the products of our unconscious.” For example, how often do you make a really good decision when you are in an emotional state of mind, frightened, angry or upset? What about decisions made when you are incredibly rushed for time? Self-awareness and open acknowledgement that conditions may not be ideal for a gut-level decision can go a

long way toward guiding us to a more deliberative process and a potentially better outcome. And if our team does not understand what we are doing or why, then we have failed a critical test of leadership as well. For Wag Dodge, a number of important factors worked against him in his effort to make an intuitive decision to save his team. Dodge was generally described as an extremely poor communicator, a “man of few words.” The team, therefore, did not know him well to begin with. His team read his actions in taking time to eat his dinner as an indication that all was well. When Dodge quickly discerned that he was wrong in his initial assessment of the fire, he then became pressed for time to convey his urgency to the team. When he called to the men to join him in the escape fire, because they did not know or fully trust him, they could not make sense of his behavior. Disaster resulted. In the end, we as leaders need to determine when to rely on our intuitive instincts and when to be more

thorough in our approach. No two situations are exactly alike, and there is no magic formula. Malcolm Gladwell argues that judgment and understanding are critical. He writes, “Judgment matters; it is what separates winners from losers,” and, “The key to good decision making is not knowledge. It is understanding. We are swimming in the former. We are desperately lacking in the latter.” In using our judgment and understanding, regardless of our decision making process, we need to communicate effectively to bring our teams with us. So the next time you face a critical decision, just remember: Sometimes it is important to go with your gut – but not always. Jeff Appelquist is founder and president of Blue Knight Battlefield Seminars, which provides individual leadership and team development training. Jeff is a former Marine officer, practicing attorney, and corporate executive. His Web site is www.blueknightseminars.com, and he can be reached at jeff.appelquist@blueknightseminars.com.

Costs to build ‘green’ decrease Businesses that incorporate ecofriendly products may not pay premiums by Tad Johnson DAKOTA COUNTY TRIBUNE

Not long ago, implementing “green” building components meant paying a premium. Often, products, materials and efficient building systems cost more to incorporate into new structures or retrofit into existing buildings. But one local project is showing Dakota County businesses that building ecofriendly doesn’t cost more “green” and actually can save money in the long run. The Fairview Rosemount Clinic, which opened in March 2009, celebrated on Jan. 21 its Leadership in Energy and Environmental Design (LEED) certification through the U.S. Green Building Council. One of the surprising aspects of the project for Fairview officials was that the

increased costs it paid for recycled or eco-friendly building components the last time it had built a new clinic only a few years ago had been reduced to almost nothing. Dan Harrington, lead project manager with Fairview Facility Management, said the increased cost for recycled products was about 6 percent when Fairview built its LEED-certified Maple Grove clinic a three years ago. With costs for building materials with recycled components now matching those of non-recycled, Fairview didn’t have to pay the typical premiums attached to recycled goods. While they didn’t have to pay much more up front, clinic operators say they will rejoice in the effort to build “green” for years to come through energy savings and better building air quality. “We are proud of the building,” Harrington said. “This helps us communicate to Rosemount that we are concerned about the health of community through the health of our building.” There were many benefits

of striving toward LEED certification for the $1.1 million building. One of the major benefits is a healthier environment for patients and employees. It was Fairview’s effort to install a more efficient and cleaner heating, air conditioning and ventilation system in Rosemount that led it to creating an even more environmental friendly workplace by attempting to garner green certification. Since earning the certification requires projects to score points by using locally produced or recycled building materials and installing energy efficient components, Fairview went about incorporating as many as possible. The result was builders using recycled materials in construction steel, drywall, countertops, paint and carpet. Builders used 20 percent locally manufactured material to reduce transportation impact, including steel from South St. Paul and brick and wood from less than 500 miles away. Not only are the materials better for the environ-

Photo by Tad Johnson

Shelley Kuhlmann, registered nurse, takes a blood pressure reading at the new Fairview Rosemount Clinic. ment, but they improve the building’s air by using organic paints and carpets without laminates. Once the “green” building ball was rolling, Fairview incorporated other energy efficient uses in the building, leading the Rosemount project to outscore the Maple Grove site 29-26 on LEED’s point scale. Solar tube lighting shines

in the nurses’ stations and the lab. Low-mow grass will make its appearance this spring, which requires less watering and maintenance. Other plant material will mean a 50 percent reduction in irrigated water needed. High efficiency plumbing inside the building will save 30 percent on projected water usage.

Harrington said installation of the green principles will mean a payback of about five years of their cost based on increased energy and water savings. The building is located at 15075 Cimarron Avenue behind the Applebee’s on County Road 42. Tad Johnson is at editor. thisweek@ecm-inc.com.

January 28, 2010 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Business 101

Seminars to Assist in Sharpening Business Skills by Lisa Bah SPECIAL TO THE TRIBUNE

In just a few weeks, more than 200 members of our community, including faculty and staff from the Dakota County Tribune, as well as industry experts, will donate more than 2,000 hours of their time to help others sharpen their competitive edge in the job marketplace through a series of Friday evening and Saturday morning sessions. DCTC is taking the lead to meet community needs through a new project called Your Edge, which is a series of free, weekend career mini-clinics on the realities of the work world. Everyone committing their time toward Your Edge is working without compensation for the betterment of the community as a whole. The series of topical seminars is geared toward DCTC students and alumni, or active-duty military personnel and veterans and their families who have ever been enrolled at any of the 32 institutions in the Minnesota State Colleges & Universities system. The idea came about when several DCTC faculty and staff, including me, were discussing how nerveracking the job search pro-

Make It Happen Lisa Bah

cess can be. We decided as members of the education and business community that we should “pay it forward” to help job seekers carve out successful careers. Our goal is to sharpen the job and job-hunting skills of Your Edge participants – helping people build stellar resumes and tweak their interviewing skills while providing guidance for a fulfilling work life. Your Edge will kick off Saturday, Feb. 20, 2010, from 9 a.m. to noon at the Partners in Higher Education building at 14200 Cedar Avenue in Apple Valley. The project will run through Saturday, May 1, 2010. Each weekend will offer one or two featured topics with industry experts. Specific dates for each topic will be announced the week of Jan. 24. Competition in today’s job climate is tough. Many of us know people who’ve been boxed out of a job due to downsizing or business relocation. Others may wish to shine brighter on

their resumes or during job interviews. By bringing together industry experts from small business, manufacturing, technology, major corporations, the military, employment specialist firms, retiree groups and more, DCTC will provide a wide array of information, tips, tricks and advice about real-world employment expectations. Pre-registration is required, as space is limited for many of the mini-clinics. Anyone wishing to have their resumes or cover letters reviewed, or would like to go through a mock interview, will need to submit their documents in advance. Below are just some of the featured topics of Your Edge: • The Military Marketplace-Needs, Perceptions and Misconceptions – This session explores answers to employment after re-entry, pending deployment, employer perceptions and misconceptions and more • Picture-Perfect Resumes: How to Make Your Skills Shine – Resumes are a lot like photos in that employers see hundreds of snapshots of prospective

hires, but only the best get framed for an interview. The first hour of the session will highlight how to turn resumes and cover letters into personal portraits. People will then meet individually with a team of reviewers for pointers and feedback • Develop Your Brand: Give Yourself the Polish You Deserve – Critical seconds count when you consider that first impressions are made during the first 3-5 seconds you walk into a room. Learn how to project the best first and last impression as you enter and leave a room • Beyond Luck and Start Pedaling – Your career is like riding a bicycle. Career development and job search require focus, energy, motivation, learning, networking and more. Learn how to keep pedaling to achieve your educational and career goals. Reframe your thinking and push your energy in a positive direction • Networking, Communication, and Life Coaching: Get Your Message Heard – If communication is at the core of our success, networking is the path to our success. Manage obstacles to personal and professional success, listen in a way that affirms value,

learn to write a solid “elevator speech” and more. • Electronic Portfolios: Connect Your Experience and Talents Visually – Efolios are increasingly requested by employers. Bring along your resume and electronic images and start your free E-folio in this session. • The Interview: Your Foot is in the Door-Now What? – Make the most of landing an interview, and practice your skills in a real environment. Industry experts will team up to review your cover letter/resume, interview you and provide feedback. Who knows-you may make a connection! • For Women Only: Savvy Professional Women Know These Dirty Little Secrets. Do You? – Men are men and women are women, until we enter the business world. Women soon learn that professional communities are not a level playing field. A panel of professional women with decades of experience have been brought together to share their experience and advice. Leave your naivety and stereotypes at the door and join in on a candid, interactive discussion about how to succeed in the office, the boardroom and more. Whether you’re a stu-

dent about to graduate and seeking to land your first professional interview, or a seasoned professional wanting to learn how to create an electronic portfolio, a fresh perspective can always help. Almost everyone can benefit from free careerbuilding assistance and advice. Your Edge is a way for community members to connect with other community members – not only people seeking employment, but also people who want to redesign and realign careers they’ve already created. If you’re interested in learning more about the project, want to pre-register for the clinics or are willing to provide your expertise to make Your Edge a community success, you should call (651) 423-8600. Additional information will be available online the first week of February at www.dctc.edu under the Upcoming Events. Lisa Bah is director of business and management and Apple Valley site coordinator at Dakota County Technical College in Rosemount.

Credit card swipes can add up to big bills for businesses by Laura Adelmann THISWEEK NEWSPAPERS

Businesses charged credit card processing fees are likely paying much more than necessary for the service. Complex and confusing, monthly bills to businesses accepting plastic often include overcharges, excess fees and errors, said Jeff Zellmer, president of Financial Mitigation Services, Burnsville. FMS offers detailed analysis of hundreds of unique cost categories, which can vary greatly depending on the type of card used and the item purchased, to uncover these unnecessary processing costs. If little or no savings opportunities are discovered, the review is free. But if the review unveils significant savings, as 75 percent of their reviews do, FMS offers to recover those funds, accepting a percentage of the money the business saves as payment for the service. “We are independent and

processor-neutral,” Zellmer said, meaning his company is not paid on commission, and doesn’t suggest businesses switch processing companies. “We work with their current processor. Most businesses prefer not to switch because they have a system in place. We can come in and allow them not to switch and to pay the least amount for processing,” Zellmer said. Merchant complaints about intercharge fees, charges to the business accepting credit, have increased recently, with many calling for new legislation governing how fees are imposed. The changes in credit card rules that are set to be employed this year don’t regulate the swipe fees businesses pay, and they vary widely, ranging from 1.5 percent to 4 percent of each transaction cost. According to a November 2009 study by the Government Accountability Office, those fees have increased 24 percent since 2005.

While some businesses have protested the fees by offering cash-paying customers discounts, accepting plastic makes shopping more convenient for their customers who may spend more when not using cash. Zellmer said accepting credit cards also helps business access cash immediately while avoiding handling costs and trips to the bank. He said his company can help businesses keep more of that cash they earn. “(Processing companies) are putting money in the business’s bank account, so basically what we do is we get them to put more money in the business’s bank account,” Zellmer said. “Our goal is exPhoto by Laura Adelmann actly the same as our clients’.” Jeff Zellmer, president of Financial Mitigation Services in Burnsville, enters information For more information, into his computer. visit www.financialmitigaMany businesses negotiate be able to discount their pro- large processors have provid- tionservices.com or call 952lower processing rates, but ig- cessing bill by entering a cus- ed swipe discounts for various 224-8972. nore other ways to cut their tomer’s zip code when they types of entities, such as utilbills. pay by credit card. ity companies or schools, but Laura Adelmann is at dceditor@frontiernet.net. For example, depending And Zellmer said FMS those were not passed on to on the contract, retailers may examiners often find the the business.

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY January 28, 2010

Photo submitted

Lockheed Martin, which has a facility in Eagan, recently announced it plans to lay off 1,200 employees by early April. The company is a global security company based in Bethesda, Md. that employs 140,000 people world-wide.

Lockheed Martin to cut 1,200 workers No word on impact to local facility by Erin Johnson DAKOTA COUNTY TRIBUNE

Lockheed Martin announced it will lay off 1,200 workers nationwide by early April, but officials will not specify from which site the cuts will come. “Every facility is under consideration for some reductions in workforce,” said spokesperson Anne Marie Squeo. Headquartered in Bethesda, Md., Lockheed Martin has several facilities around the country and employs more than 140,000 people globally. According to the company, the cuts will be focused on the 16,000 workers at its MS2 facilities. The Eagan facility is an MS2 site, said local spokesperson Tierney Helmers. It employs 1,200 people, she said. MS2, or Mission Systems

and Sensors, is the result of a Jan. 1 consolidation of two of the company’s businesses, the former Maritime Systems and Sensors unit and the Systems Integration-Owego unit. The consolidated unit provides surface, air and undersea applications for the U.S. military and other clients, including radar, surveillance and combat systems. The layoffs are intended to eliminate redundancies that resulted from the consolidation, as well as address reductions in workflow expected for 2010, Squeo said. The company said it expects a decrease in work from the Pentagon this year. Those affected by the layoffs are expected to be notified in early April. Erin Johnson is at eagan. thisweek@ecm-inc.com.

Proposal would lift swing bridge moratorium a year early Last year, with just days to spare before the 115-year-old Rock Island Swing Bridge in Inver Grove Heights was set for destruction, Gov. Tim Pawlenty signed a two-year moratorium into law to stop the demolition. Rep. Joe Atkins and Sen. Jim Metzen are now seeking to lift that moratorium a year early. The purpose of the twoyear moratorium, which went into effect in the summer of 2009, was to give those who wanted to preserve the historic bridge an opportunity to raise the support necessary to restore the bridge. It was expected this could take two years and, even then, might not prove successful. However, efforts to save the bridge met with such success that Atkins and Metzen, along with City of Inver Grove Heights leaders, are now seeking to lift the mora-

torium a year early so restoration work can begin this summer. Since the moratorium prevents anything from being done to the bridge, including the restoration, lifting the moratorium this year will allow restoration efforts to move ahead. Successes achieved over the last year that would allow for the moratorium to be lifted early include: • Minnesota Dept of Transportation agreed to use money set for demolition for restoration instead • Over $1.5 million on private and public donations and grants have been committed to the restoration • The City of IGH agreed to take ownership of the bridge and lead the restoration efforts • Bid prices for the work are expected to be 20-40 percent lower than originally thought

Minneapolis will receive $4 million to support workforce development projects in energy efficiency and renewable energy industries through the Department of Labor Energy Pathways Out of Poverty grant program. The program will provide job training for unemployed workers, veterans, and individuals living below or near the poverty level in the Twin Cities. The Department of Labor awarded the $4 million grant to Minneapolis to provide basic skills training and support services to 500 participants. It is expected that 400 participants will complete education and training activities, and 250 will receive basic education services. The goal is for Minneapolis to use these partnerships to design and distribute training approaches that propel individuals to find pathways out of poverty and into economic self-sufficiency through employment in energy efficiency and sustainable manufacturing industries. Key partnerships include

Minnesota Multi-Housing Association, Xcel Energy, Bischel Building, Builders Association of Minnesota, Caterpillar Paving, Hennepin County Environmental Services, American Indian OIC, Minnesota Public Schools Adult Basic Education, Saint Paul Public Schools Adult Basic Education, Minneapolis Community and Technical College, Saint Paul College, EMERGE Community Development, Goodwill/Easter Seals of Minnesota, Minneapolis Workforce Council, and Ramsey County Workforce Investment Board. Mahnomen, Clearwater, and Becker Counties, located along the White Earth Reservation borders, also received funding as part of the $147 million Pathways Out of Poverty Grant authorized by the American Recovery and Reinvestment Act. These investments will teach participants the skills required in high growth and emerging industries, including energy efficiency and renewable energy.

Commerce department suspends 5 percent biodiesel mandate The Minnesota Department of Commerce will temporarily waive the requirement that No. 1 diesel fuel be blended with 5 percent biodiesel (B5). The waiver, which will become effective Jan. 15 and last through March 31, 2010, was issued in response to concerns from the Minnesota Biodiesel Council and the Minnesota Petroleum Marketers Association that the mix of 5 percent biodiesel with No. 1 diesel fuel could lead to clogged filters in extreme cold weather. The effective date allows petroleum wholesalers to make any necessary operational adjustments to ensure consistent supply. The B5 mandate still applies to No. 2 diesel fuel. “Minnesota’s fuel quality policies ensure a strong renewable fuel industry,” said James Pearson, Deputy Commissioner at the Minnesota Department of Commerce. “Our action today is in response to concerns raised by some consumers. The waiver will relieve some of the pressure felt by suppliers and consumers while we get to the bottom of any issues.” Samples of diesel fuel and filters have been collected from locations statewide and are being tested to help determine the cause of the reported problems. While a small segment of the diesel consumer population has reported problems, the major-

ity of refiners, terminals and users have not experienced trouble. Minnesota’s Biodiesel Technical Cold Weather Issues Team, which investigates cold-weather issues related to diesel fuel, biodiesel and blends, will meet later this month to discuss concerns with B5 in No. 1 diesel fuel. The team is comprised of officials and experts from the government and the biodiesel and petroleum industries. Minnesota was the first state in the nation to mandate the use of biodiesel. In 2009, the state’s mandate required all diesel fuel be blended with 5 percent biodiesel, an increase from the original 2 percent requirement set in 2005. The Minnesota Department of Commerce’s Weights and Measures Division is responsible for enforcing petroleum quality laws in the state of Minnesota. The division also assures the accuracy of all commercial weighing and measuring equipment in Minnesota, from gas pumps to grain elevators to grocery scales. Consumers experiencing problems regarding the use of diesel and biodiesel fuel can refer to the Biodiesel Handling Guide posted on the Minnesota Department of Agriculture Web site at www. mda.state.mn.us or call the Minnesota Diesel/Biodiesel Help line at 1-800-929-3437.

In an effort to help revitalize America’s struggling economy, Congress and President Obama recently freed up $4.5 billion more in lending for small businesses nationwide through an extension of the American Recovery and Reinvestment Act. Extending the ARRA provisions related to SBA’s loan guarantee programs will provide additional funding for the SBA 7(a) and 504 loan programs, including temporary reduction of loan fees. The funding ($125 million) passed and signed will cover 7(a) and 504 loan fee

reductions through Feb. 28. New approvals of loans with the higher guarantee and reduced fees made possible by ARRA are expected to begin by Dec. 28. Loan applications from borrowers who choose to be placed in the SBA’s Recovery Loan Queue will be funded first, followed by new loan approvals beginning on or before Dec. 28. Minnesotans seeking SBA loans for their businesses can find more information on the Small Business Administration Web site at www.sba. gov/financialassistance/borrowers/guaranteed.

New year means new opportunities for Roth IRA conversion Beginning in January, the income restrictions will be lifted for individual investors looking to convert their traditional individual retirement accounts (IRAs) to Roth IRAs, according to Stacey Brown, an Edward Jones financial advisor in Rosemount. Previously, investors with an adjusted gross income of more than $100,000 (filing individually or jointly) could not convert to a Roth IRA from a traditional IRA. Investors will have to pay taxes when they convert to a Roth IRA. A conversion is usually reported as income for the tax year the conversion takes place. However, in 2010 only, the conversion amount will be split and reported as income for tax years 2011 and 2012 unless investors elect to report the entire conversion amount on their 2010 taxes.

1/28•2048530R•DCT

1/28•2048401R•DCT

State earns $4 million for job training in energy efficiency, renewable energy industries

Local businesses can tap into expanded federal loan program

1/28•2048522R•DCT

News Briefs

Investors who own a traditional IRA make contributions that may be tax-deductible, depending on their income levels. Traditional IRA earnings grow on a taxdeferred basis. This means an investor’s money has the opportunity to grow faster than it would if it were placed in an investment on which taxes were paid every year. On the other hand, Roth IRA contributions are not tax-deductible, but earnings grow tax free, as long as the investor holds the account at least five years and doesn’t start taking withdrawals until at least age 59-1/2. Unlike a traditional IRA, a Roth IRA does not require distributions at age 70-1/2. Whether or not investors decide to convert to a Roth IRA, they should first consult with their tax advisors.

January 28, 2010 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Business Briefs The CHAP Store in Burnsville Lakeville woman reappointed DCTC students receive Minnsota Nursery, Landscape acquired by Victory Fellowship to state board of academies The CHAP Store, for- ing, has been in existence as a Gov. Tim Pawlenty today ementary School. Association Foundation merly CHAP Value Store, lo- nonprofit organization since announced the reappointJackson earned her doctor cated at the corner of HighSept. 17, 1991. ment of Lakeville resident of philosophy degree in eduscholarships way 13 and Cliff Road in the CHAP has changed own- Gwendolyn Jackson to the cational administration from Two students in the horticultural studies program at Dakota County Technical College recently received scholarships sponsored by the Minnesota Nursery and Landscape Association Foundation. Scholarship recipients are Annette Cayard and Paul O’Gara. The MNLA scholarship program recognizes superior students enrolled in horticultural, nursery or landscape studies programs at several area colleges and universities. The scholarships are designed by MNLA and its member companies to help grow future leaders in the nursery and landscape industry. Two MNLA member firms cosponsored the scholarships for the Dakota County Technical College students. Bachman’s Nursery Wholesale, based in Farm-

ington, sponsored the scholarship for O’Gara. The Hoffman and McNamara Foundation, based in Hastings, sponsored the scholarship for Cayard. To be eligible for an MNLA scholarship, applicants must possess a “C” grade average or better, present letters of recommendation from instructors and employers, and submit an essay stating their career goals and objectives. The Minnesota Nursery and Landscape Association is the state’s largest green industry trade association with more than 1,500 member companies. Members include nurseries, garden centers, landscape contractors, landscape designers, irrigation contractors, commercial flower growers, tree care specialists, professional gardening services, and turf and landscape management professionals.

Towne and Country Center in Burnsville, is under new management and ownership. Brian and Donita Tascarella, the new owners, plan to continue the mission that the founders of the original CHAP Ministries, Greg and Carol St. Hilaire, had more than 18 years ago. CHAP, which stands for Caring Helping And Provid-

ership a few times over the past years, but its mission has always been to meet the needs of the community. The CHAP Store underwent several changes when Brian Tascarella took over as manager on June 29, 2009, under Destiny Christian Church. The changes continue under the Tascarellas’ ownership.

Now Open

the University of Minnesota, master of arts degree in educational administration from the College of St. Thomas in St. Paul, and bachelor of arts degree in elementary education from Augsburg College in Minneapolis. Jackson, who has been a member of the Board of the Minnesota State Academies since 2006, is reappointed to a position for a current or former independent school district superintendent. The Board of the Minnesota State Academies governs the Minnesota State Academy for the Blind and the Minnesota State Academy for the Deaf, both in Faribault. The board consists of nine members, including six appointed by the governor.

CenterPoint completes 10-year project to restore native prairie Photo submitted

Recruiting event set for women seeking careers as financial advisors Edward Jones will host a recruiting event for women at 6 p.m. Monday, Feb. 1, at Al Baker’s, 3434 Washington Drive, Eagan. The Edward Jones Women’s Initiative for New Growth Strategies program or WINGS focuses on the recruitment, retention and leadership development of female financial advisors. Unlike most in the financial services industry, Edward Jones continues to expand during the current recession, adding branch offices across the U.S. and Canada. The firm is specifically targeting women because they are traditionally underrepresented in financial services. The firm offers a comprehensive training program making previous experience in financial services unnecessary. This award-winning WINGS program consists of a network of Edward Jones financial advisors who are dedicated to giving more women the opportunity that being an Edward Jones financial advisor offers, such as relationship building and work/ life balance. Edward Jones financial advisor Stacey Brown of Rosemount was a senior sales/product manager when she switched careers to financial services. During her 2 years with the firm, she has seen many women leave other careers and succeed as financial advisors. The total number of fe-

Board of the Minnesota State Academies. She was reappointed to a four-year term that expires Jan. 6, 2014. Jackson is the director of human resources and administrative services with the Edina Public School District. Previously, she was the superintendent of the Faribault Public School District; held a variety of positions with the Minneapolis Public School District, including interim chief academic officer, elementary superintendent, assistant to the superintendent, executive director of leadership and accountability, and principal on special assignment; was the principal at Kenwood and North Star Elementary Schools; and a teacher at Northview El-

A second H & R Block office opened in Farmington to offer year-around tax services. A ribbon cutting was held Friday, Jan. 15 at the Pilot Knob Road location with owner Steve Ebbers (center with scissors) and his staff Melissa Goeser (left), Tom Arasa, Lori Ecklund, building landlord and owner of Akin Hills Pet Hospital, Katelyn Fritzen, male financial advisors with Farmington Mayor Todd Larson and Farmington City Adthe firm has grown by 18 per- ministrator Peter Herlofsky. cent, since the program’s inception in January 2008. This month, the firm anticipates crossing the 2,000 mark for women financial advisors at Edward Jones. Edward Jones provides financial services for individual investors in the United States and, through its affiliate, in Canada. Every aspect of the firm’s business, from the types of investment options offered to the location of branch offices, is designed to cater to individual investors in the communities in which they live and work. The firm’s 12,000-plus financial advisors work directly with nearly 7 million clients to understand their personal goals – from college savings to retirement – and create long-term investment solutions that emphasize a wellbalanced portfolio and a buyand-hold strategy. Edward Jones embraces the importance of building long-term, face-to-face relationships with clients, helping them to understand and make sense of the investment options available today. Photo by Derrick Williams Edward Jones, which The new ACE Hardware and Paint store in downtown ranked No. 2 on FORTUNE Lakeville is now open. This 16,000-square-foot store is magazine’s “100 Best Com- located at 208th Street and Holyoke Avenue, across the panies to Work For 2009,” is street from the former Ace Hardware building, which is headquartered in St. Louis. now vacant and available for lease.The store includes wide The Edward Jones Web site aisle and a large collection of products such as snowblowis located at www.edward- ers, cooking grills, paint, household cleaners and, of course, jones.com, and its recruiting hardware. Web site is www.careers.edwardjones.com.

Now Open

CenterPoint Energy employees in Minnesota recently completed a 10-year plan to restore 23 acres of the company’s land along the Minnesota River in Burnsville to its native prairie state. They had joined forces with the city of Burnsville, Prairie Restorations Inc. and environmental agencies such as The Nature Conservancy, Friends of Minnesota Valley, Minnesota Department of Natural Resources, and Great River Greening to restore natural plants, grasses and wildflowers indigenous to the Minnesota River Valley and remove non-native, invasive plants, such as buckthorn. “Our native prairie remnants are an important component of the diverse natural features that we treasure here in Burnsville,” said Elizabeth B. Kautz, mayor of the City of Burnsville. “I truly appreciate all the work that CenterPoint Energy has done to restore and protect this wonderful asset for our community, and the Minnesota River Valley,” “We are proud to support and help to restore a captivating and beautiful parcel of land that had become overgrown with invasive trees and shrubs,” said Glenn Miller, environmental programs manager for CenterPoint Energy. “We’re grateful to share in this opportunity to give back to the great state of Minnesota, and we hope our volunteer efforts will help stress the importance of environmental awareness and natural resource preservation throughout our com-

munities.” Each year since the beginning of the restoration process, the company performed prescribed burns, mowed grass and used retardants that inhibit the re-growth of buckthorn and other invasive plants. The restoration effort also required cutting and removal of certain trees and shrubs and native seed collecting and planting. Completion of the restoration effort resulted in: • removal of 80 diseased box elder trees, • clearing of 16 acres f buckthorn and exotic shrubs, • planting 2,000 plugs of Cord Grass and • planting of seeds native to Minnesota River Valley, such as,Yellow Coneflower, Prairie Bush Clover, Stiff Goldenrod, Wild Bergamot, Hoary Vervain, Blue Vervain, Sawtooth Sunflower, Mountain Mint, Great Blue Lobelia and Joe Pye Weed. CenterPoint Energy will continue to manage and support future Minnesota prairie land restoration projects through its environmental programs department. Additional information about CenterPoint Energy’s projects in the community is available at www.centerpointenergy.com/communityrpointenergy.com/community. Minnesota residents can also find out how to help restore Minnesota’s prairie lands by visiting Great River Greening on their Web site www.greatr ivergreening. org) or calling (651) 6659500.

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY January 28, 2010

Business Briefs Lakeville to use Dakota County Tribune as legal publication Lakeville schools to use Thisweek Farmington/Lakeville The city of Lakeville is switching from Thisweek Farmington-Lakeville to the Dakota County Tribune Business Weekly as its legal newspaper for 2010. City staff said the move will save the city more than $2,320 by moving its legal ads to the Tribune.

Thisweek FarmingtonLakeville reaches more than 17,000 homes in Lakeville. The Tribune requires a no cost subscription for delivery. The Lakeville Area Public School District will continue to run legal ads in Thisweek Farmington-Lakeville.

Minnesota Energy Resources donates to charities across state Minnesota Energy Resources, a subsidiary of Integrys (TEG), serving 165 communities throughout the state of Minnesota made donations totaling over $90,000 to charitable organizations, associations and worthwhile causes that requested financial assistance. The groups represented arts and culture, community and neighborhood development, education, safety, human services and health, along with care for the environment. These contributions are presented by Minnesota Energy Resources and Wisconsin Public Service Foundation, a private foundation supported by Minnesota Energy Resources and other affiliates of Wisconsin Public Service Corporation. The Foundation is funded by shareholders of the corporation and NOT by utility customers. Minnesota Energy Resources employees helped fund and build a Habitat for Humanity home in Rochester and Cannon Falls. The new homeowner expressed her appreciation for all the hard work Minnesota Energy employees did in framing the house. A vehicle was also donated to the Hinckley area Communities Investing in Families (CIF) to provide transportation to work for a family in the 5-county region in East Central Minnesota. Funds were also donated

to purchase 4-gas monitors for the Fire Departments of Farmington; Eagan; Willow River; Warroad and Sebeka. Farmington Fire Chief Tim Pietsch said, â&#x20AC;&#x153;This unit will enable us to safely detect carbon monoxide gases and keep our firefighters safe. We appreciate all of the training you have given us in the past and look forward to working with you in the future.â&#x20AC;? Among some of the supported projects were the Zumbro Watershed Partnership: 4-H: Veterans organizations; community celebrations; school fitness and safety; Diversity Council; Eagles Bluff Environmental Learning Center; Headwaters Science Center in Bemidji and food shelves throughout the areas we serve. The Foundation also partially matches employees and retirees financial donations to local causes through the â&#x20AC;&#x153;Matching Giftsâ&#x20AC;? program as well as the â&#x20AC;&#x153;Dollars for Doersâ&#x20AC;? program which rewards qualifying non-profit organizations up to $100 when employees or retirees volunteer at least 20 hours during the year. â&#x20AC;&#x153;Weâ&#x20AC;&#x2122;re extremely pleased to help out financially or simply lend a hand to efforts that improve the quality of life for everyone, said Tom Meinz, President of the Wisconsin Public Service Foundation, â&#x20AC;&#x153;We expect to have a long future continuing those efforts.â&#x20AC;?

ComedySportz to headline BITE of Burnsville 2010 of appetizers, entrees, desserts and unique culinary masterpieces from over 20 area establishments. The evening will include both a silent and live auction. Live auction packages include a Twin Cities Pub Crawl, a Marco Island Getaway and the opportunity to have your child be the Minnesota Wild Flag Bearer for a game. Tickets are $40. Call the Burnsville Chamber office at (952) 435-6000 to order. For tickets or more details, check out www.BITEofBurnsville. com.

Lakevilleâ&#x20AC;&#x2122;s business community honors two of their own Roz and Tim Peterson named 2010 Business Persons of the Year by Lakeville Area Chamber of Commerce by Derrick Williams DAKOTA COUNTY TRIBUNE

It may have been a tough year to be a business owner, but for this yearâ&#x20AC;&#x2122;s Lakeville Area Chamber of Commerce Business Persons of the Year, the rough times are nothing more than another reason to be thankful. â&#x20AC;&#x153;Itâ&#x20AC;&#x2122;s just humbling,â&#x20AC;? said Tim Peterson, who with his wife, Roz, were honored on Jan. 25 by the Lakeville chamber. â&#x20AC;&#x153;Weâ&#x20AC;&#x2122;re deeply honored. Itâ&#x20AC;&#x2122;s such a difficult time, too, and it feels hard to celebrate when itâ&#x20AC;&#x2122;s been a lousy year for business.â&#x20AC;? But Todd Bornhauser, the executive director for the Lakeville Area Chamber of Commerce, said itâ&#x20AC;&#x2122;s always exciting to recognize their own, despite the economy and hardships. â&#x20AC;&#x153;Weâ&#x20AC;&#x2122;re excited every time we do this,â&#x20AC;? he said. â&#x20AC;&#x153;To be part of this event is special because we recognize a lot of people who are active in the chamber to make it a strong organization.â&#x20AC;? For Tim and Roz, the award is icing on the cake of a successful, two-decade business career in Lakeville. The two came to Lakeville in 1986. Recent graduates of Gustavus Adolphus College, both wanted to own their own business. â&#x20AC;&#x153;Snyder Drug was looking for a franchisee to take over the Lakeville market,â&#x20AC;? Tim said. Liking what they saw in terms of growth potential, Tim and Roz opened the store with a partnership from Timâ&#x20AC;&#x2122;s parents, John and LuAnn Peterson. â&#x20AC;&#x153;Owning my own business had been a goal of mine since I was a little kid,â&#x20AC;? Roz said. â&#x20AC;&#x153;Snyderâ&#x20AC;&#x2122;s was a was a neat opportunity.â&#x20AC;? Lakeville wasnâ&#x20AC;&#x2122;t too shabby, either, Roz said. â&#x20AC;&#x153;I fell in love with the community. I love the blend of small town feel with the amenities the Twin Cities offer,â&#x20AC;? Roz said. â&#x20AC;&#x153;Itâ&#x20AC;&#x2122;s wonderful here.â&#x20AC;? Four years after opening their first drug store, Tim and Roz created D and T Properties, and with Rozâ&#x20AC;&#x2122;s parents, Ray and Kay Johnson, closed on the Southfork shopping center. â&#x20AC;&#x153;It was a period of time not too dissimilar from todayâ&#x20AC;&#x2122;s economy,â&#x20AC;? Tim said. â&#x20AC;&#x153;There was a banking fiasco, shops were sitting empty, and here we were, looking to buy a shopping center.â&#x20AC;? By 1991, Roz and Tim had opened Snyder Drug Stores in Savage and Cannon Falls. In 1995, they purchased the Salem Square

Photo submitted

Tim and Roz Peterson were honored as the Lakeville Area Chamber of Commerceâ&#x20AC;&#x2122;s 2010 Business Persons of the Year on Jan 25. Shopping Center in Inver Grove Heights, and in 1996, purchased Village Drug in Northfield. By 2005, they sold their four drug stores to CVS Pharmacies, getting out of the drug store business, and then last year, the two closed on another shopping center, the Hopkins Market Place. And while the couple may only have one property left in Lakeville, itâ&#x20AC;&#x2122;s still the place they call home. â&#x20AC;&#x153;Lakeville holds the values we find important,â&#x20AC;? Roz said. â&#x20AC;&#x153;We were brought here because of an opportunity to own our own business, but now, well, itâ&#x20AC;&#x2122;s home.â&#x20AC;? When Tim and Roz planted roots in the community, they immediately got involved. Today, between the two of them, theyâ&#x20AC;&#x2122;re active in the Lakeville chamber, Rotary Club, Hosanna! Lutheran Church, the Dakota County Regional Chamber of Commerce, the Girl Scouts, Orchard Lake parent teacher organization, Ducks Unlimited and the Community Action

Council, to name a few organizations. Roz also serves as vice chair of the Lakeville Area School Board. And despite owning three shopping centers through their investment company, Roz and Tim still have fulltime jobs. Roz is a commercial real estate agent for Cerron Commercial Properties. Tim is the long term care regional sales director for Sterling Drug. Bornhauser said both Tim and Roz are deserving of the business persons of the year recognition. â&#x20AC;&#x153;Many people volunteer, give up time, give financial support, and many times they donâ&#x20AC;&#x2122;t receive recognition,â&#x20AC;? he said. â&#x20AC;&#x153;(Tim and Roz) have been involved with so many different activities over the years. Itâ&#x20AC;&#x2122;s nice to recognize them.â&#x20AC;? Bornhauser said it wasnâ&#x20AC;&#x2122;t any one thing that set them apart for the award. â&#x20AC;&#x153;I think their longevity and involvement in the chamber and many other or-

ďż˝

! " ďż˝

ComedySportz will headline the 18th annual BITE of Burnsville from 6 to 10 p.m. Thursday, Feb. 18, at the Burnsville Performing Arts Center. ComedySportz is improvisational comedy played as a sport. Two teams of actors compete for the biggest laughs while a referee calls the fouls and gets suggestions from the audience. The BITE of Burnsville continues the tradition of highlighting the areaâ&#x20AC;&#x2122;s fine restaurants and caterers. Guests will sample a variety

# $! $ $ % & ' ! ()(*+ (( , -. //001 2 & */)3ďż˝563)+(+

ganizations over the years had an impact,â&#x20AC;? Bornhauser said. â&#x20AC;&#x153;They ran a successful business here in town, and they still have property they manage here and theyâ&#x20AC;&#x2122;re still very well connected in business community.â&#x20AC;? Roz said she learned of the honor via phone call. â&#x20AC;&#x153;I got a message from (a colleague) and it said to call them back, and not talk to Tim,â&#x20AC;? Roz said. â&#x20AC;&#x153;It was cute, but it was also very exciting to hear the news. Weâ&#x20AC;&#x2122;re so thrilled.â&#x20AC;? Tim said he learned in much the same way. â&#x20AC;&#x153;I was in the car on my way to a client when I got a phone call saying I was selected to be chairperson of a new committee at a meeting I failed to attend,â&#x20AC;? he said. â&#x20AC;&#x153;I was like, â&#x20AC;&#x2DC;I didnâ&#x20AC;&#x2122;t miss anything, what are you talking about?â&#x20AC;&#x2122; Finally he told me Roz and I were selected. I was shocked. For once in my life, I didnâ&#x20AC;&#x2122;t have a lot to say.â&#x20AC;? Derrick Williams is at derrick.williams@ecm-inc.com.

ďż˝

10A

January 28, 2010 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Capitol Commerce

Governor aims to crack down on DWIs Pawlenty proposes legislation that would require breath-activated ignition systems for repeat offenders by T.W. Budig ECM CAPITOL REPORTER

The Pawlenty Administration is proposing to require all convicted DWI offenders to prove their sobriety before successfully turning the key. Gov. Tim Pawlenty proposed on Jan. 19 the use of breath activated ignition systems — a device that prevents a vehicle engine from starting if the monitor detects alcohol — as a means of reducing alcoholrelated traffic deaths. About 200 Minnesotans are killed each year in alcohol-related crashes, according to the Department of Public Safety (DPS). About 400 are seriously injured. “I can’t imagine the Legislature wouldn’t pass it,” Pawlenty said of his initiative. Under the governor’s proposal, second-time DWI offenders will face enhanced penalties and not be able to drive for two years unless agreeing to install an ignition device. Those offenders with three or more DWI offenses would be required to use the device for three years. Convicted DWI offenders using the ignition system would regain their driving privileges much sooner than offenders re-

Photo by T.W. Budig

Gov. Tim Pawlenty proposed on Jan. 19 legislation that would require all DWI offenders to use a breath-activated ignition system on their vehicles that would determine whether they were sober and could drive. He further proposed lowering alcohol concentration limits from 0.2 to 0.15 for enhanced penalties, among other recommendations. fusing to do so under the Offenders to pay governor’s proposal. Offenders would pay the

full cost of the ignition system, about $100 per month, with some of the money going into a special account to assist offenders unable to afford the monitoring. In addition to pushing for the use of the ignition system, Pawlenty also seeks to lower the alcohol concentration limit from .20 to .15 to apply tougher laws on drunk drivers. Drivers with a single prior DWI account for about 20 percent of alcohol-related fatalities each year, according to DPS. Of these offenders, about 40 percent are likely to re-offend. But research suggests that the use of the breath activated ignition system can reduce repeat drunk driving up to 90 percent. Some 600 DWI offenders already are enrolled in breath activated ignition system pilot project in Minnesota, according to the administration. The program, originally started in two counties, was expanded statewide and will expire in 2011. Pawlenty’s DWI proposal is backed by state law enforcement associations and Mothers Against Drunk Driving. T.W. Budig is at tim.budig@ ecm-inc.com.

Photo by T.W. Budig

At a Capitol press conference, a state trooper demonstrated a breath-activated ignition device. Public Safety Commissioner Michael Campion spoke in favor of the initiative, backed by the governor.

Capitol Roundup

To find out the latest news in Minnesota government, go online to ECM Capitol Roundup at www.HometownSource.com.

Hahn announces candidacy for governor St. Paul candidate writing novel about gubernatorial campaign by T.W. Budig

up his second book, “RobHahn talks of a Hahn bob For Governor,” which Administration as focused He’s not only writing he is publishing and plans on creating jobs and ema book about running for to release in March. bracing business. governor, he’s doing it. He favors a broad apPublisher and author Not a publicity proach to solving the state’s Rob Hahn of St. Paul is stunt deficit-shackled budget. running for governor as an For instance, he is sup“No, it’s not a publicity Independence Party candiportive of expanding gamstunt,” he said of running date. ing. “I would get behind for governor while making A political newcomer, that,” he said of racino. final edits on a novel with a Hahn styles himself as fictionalized candidacy. Doesn’t rule out tax bringing fresh ideas to a Reading the novel, one process he believes the pubfor which he has not yet hikes lic finds stale. decided on an ending, could While not ruling out tax “It’s not a wasted vote make plainer his political hikes, Hahn talks of tax reto vote for an Indepenideals – he’s a political ide- form – looking at two-tier dence Party candidate,” said alist, Hahn explained. flat tax or creation of anHahn, speaking at a Capitol Though running for other tax bracket, for inpress conference on Jan. 14. governor, he has to make a stance. Hahn cites his business living, he explained of pubHe talks of lowering credentials in detailing his lishing the book. capital gains. fitness for office. Hahn labels himself as Hahn indicated that A former producer at fiscally conservative, social- starting his campaign will WCCO Radio, Hahn is a ly liberal. take between $20,000 and publisher and author. He “absolutely” supports $30,000, with an entire He is currently finishing same-sex marriage, he said. campaign costing much ECM CAPITOL REPORTER

more. He is starting out with no money. “Absolutely nothing,” he said. “It’s going to take a lot of work,” he said of raising a campaign war chest. Hahn would not indicate whether he would abide by the Independence Party gubernatorial endorsement. He sees his personality lending itself to sorting out wants and needs, and bringing people at odds together. Hahn said he voted for former Independence Party governor Jesse Ventura and recent candidate Peter Hutchinson. He cited former DFL governor Rudy Perpich as a personal hero. Hahn will soon turn 41. T.W. Budig is at tim.budig@ ecm-inc.com.

Photo by T.W. Budig

Publisher and author Rob Hahn of St. Paul is running for governor as an Independence Party candidate.

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY January 28, 2010

11A

Capitol Commerce

Former Eagan mayor abandons run for governor Pat Anderson to campaign for job she once held – state auditor by T.W. Budig ECM CAPITOL REPORTER

Former state auditor and Eagan mayor Pat Anderson needs to update her campaign literature. Anderson announced on Jan. 12 that she was dropping out the Republican governor’s race and running again for state auditor. “I have to say that has been frustrating,” said Anderson of the unsettled state of the Republican gubernatorial field. It’s been “gnawing” at her for months, she said. Anderson, who said she intended to run again for state auditor until Gov. Tim Pawlenty decided not to seek a third term — something that surprised her, she said — said that having so many Republicans run for governor was not a good strategy. Further, there’s the possibility of even more Re-

Photo by T.W. Budig

Former Eagan Mayor Pat Anderson announced on Jan. 12 that she was dropping out the Republican governor’s race and running again for state auditor. publicans jumping into the race, according to Anderson. “I think the shadow is real,” she said of the chance of former U.S. Sen. Norm Coleman entering the race.

said he heartily embraced Anderson’s decision to run for state auditor. He indicated he would soon be making a personal decision. “In the near future, my decision about which path “And it’s affected us all as I intend to pursue to help candidates,” she said. Minnesota and its citizens In a statement, Coleman address our state’s challeng-

es and opportunities will become clear,” Coleman said. “But, it’s clear that we must find common ground among Democrats, Republicans and Independents on the great issues of our day. Minnesotans need jobs,” he said. Anderson’s decision to

run again for state auditor would pit her against DFL State Auditor Rebecca Otto, who won about 52 percent of the vote against Anderson’s 41 percent in the three-way race in 2006. Anderson after the loss said she did not take it personally, that she had been caught up in a Democratic wave that swept away many Republican candidates. It was a “tsunami” against the Republican Party, she said. She believes the political atmosphere this election is at least neutral, perhaps even favorable for Republicans, according to Anderson. In her prepared comments, Anderson chided Otto for her recent comments in which she said the state auditor’s office was the Rodney Dangerfield of state constitutional offices — one not always getting respect. “That’s true only if the state auditor acts like Rodney Dangerfield,” Anderson said. In a campaign press release, Otto picked up a

theme of the 2006 campaign. “Minnesota families can’t afford another four years of the hundreds of millions of dollars in financial errors made by Ms. Anderson when she was state auditor, and the political grandstanding that drove up our property taxes,” said Otto. “I’ve been cleaning up after her for three years,” Otto said. Anderson said Otto’s accusations that her tenure as state auditor was error plagued was inaccurate. But Anderson’s time as state auditor was marked by sharp criticisms by Democrats. Her study of the local government aid particularly incensed some Greater Minnesota DFL lawmakers. Several other Republicans are seeking to become the party’s state auditor candidate. T.W. Budig is at tim.budig@ ecm-inc.com.

Zoo funding included in bill Governor’s bonding bill proposal slates $21 million for local attraction by T.W. Budig ECM CAPITOL REPORTER

Senate Capital Investment Chairman Keith Langseth likes everything in Gov. Tim Pawlenty’s bonding bill. There just wasn’t enough of it. “We just disagree,” said Langseth, DFL-Glyndon, of the “one man” style of state government Langseth sees Pawlenty exhibiting with his bonding bill. Pawlenty presented his bonding bill Friday, Jan. 15, one the governor judges shorn of local projects and “very responsible.” About a fifth of the bill is slated toward the metro area — about 28 percent to Greater Minnesota — with just under a third of the entire $685 million bill slated to higher education. The Minnesota Zoo, which snagged a total of $21 million in the bill, is one of its largest local beneficiaries. So is Normandale Community College in Bloomington, which snagged about $23 million for an academic partnership cen-

ter. About $245 million in bonding was slated toward higher education in the governor’s bill, St. Cloud State University netting about $5 million of it to renovate the Allied Health Center.

U of M allocation The University of Minnesota was allocated $80 million for the Physics and Nanotechnology Building. Other parts of the bill slated $10 million to the Metropolitan Council for transit corridors — Cedar Avenue Rapid Transitway will see money. About 960 deficient bridges would be replaced with the $75 million earmarked in the bill for local bridge repair. While Pawlenty’s bill gives, it also takes away. One bonding cancellation is $22 million in appropriations for the Minneapolis planetarium. In discussing his bill, Pawlenty indicated that Democrats will propose bonding bills larger than his own — and they blame

him when their projects get vetoed, he explained. But Pawlenty suggested that this time instead of line-item vetoing an oversized bill, he could decide to nix the whole thing. It was this warning that elicited the “one man” style of government comment from Langseth. Other Democrats also reacted to the attitude. “That was a little bit of a surprise,” said House Capital Investment Chairwoman Alice Hausman, DFL-St. Paul.

Stretching dollars Hausman argued that bonding for projects now, when construction costs are low, is a way of stretching state dollars. “I would argue we don’t include local projects,” she said of the House bonding bill. She pointed to the Big Lake Ice Arena as a project she had to reject exactly because it was local. That “broke their (supporters) hearts,” she said. The Senate bonding bill would likely come in

just shy of $1 billion, said Langseth.

Headed for floor Langseth hopes to take the bill to the Senate floor within the first weeks of session. He views higher education asset preservation funding the weakest part of the governor’s bonding bill. Transit and rail projects like Northstar Commuter Rail and the Northern Lights Express, Langseth indicated, could find some funding in the Senate bill. The administration received about $2.7 billion in bonding requests. All told, the size of Pawlenty’s bonding bill, when all forms of bonding and cash is included, hits $815 million. “This bonding bill is financially responsible and addresses important state needs such as flood mitiPhoto by T.W. Budig gation, public safety, highGov. Tim Pawlenty unveiled his $685 million bonding bill er education, and transJan. 15 at a Capitol press conference. The Republican govportation infrastructure,” ernor hinted to Democrats that if they expected to offer a Pawlenty said. much bigger bill with the idea he would line-item veto it T.W. Budig is at tim.budig@ instead of vetoing an entire bonding bill, they could be disappointed. ecm-inc.com.

12A

January 28, 2010 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Capitol Commerce

Late state payments affect school districts Some school districts are bridging funding gap with reserves, loans by T.W. Budig ECM CAPITOL REPORTER

A cash flow crunch could have Pawlenty administration officials holding back school payments this spring. At a joint House/Senate subcommittee hearing on Jan. 13, Minnesota Management and Budget Commissioner Tom Hanson and Budget Director Jim Schowalter explained the state could experience cash flow problems during March, April and May. The worst month will be April with the state being short $143 million. Although Hanson believes the state will not need to borrow money in the remaining months of

Some school districts, depending on the size of their fund balance, could be exempt from the delays, but most would be affected. Scott Croonquist, of the

Association of Metropolitan School Districts, said probably half of the 33 school districts in the association are already engaged in short-term borrowing. Payment delays likely would mean more districts would need to short-term borrow, he said. It’s inaccurate to assume metro school districts are better able to absorb the proposed payment delays than Greater Minnesota schools, Croonquist explained. It really depends on the individual school distinct,

he said. House K-12 Finance Committee Chairwoman Mindy Greiling, DFLRoseville, said the idea of “going after” school districts who have built fund balances through hard work just “burns” her. Administration officials seem serious about the school payment proposal and taking other steps, she said. Sometimes Gov. Tim Pawlenty floats a trial balloon using staff, and if it

causes an uproar, backs off, explained Greiling. “That’s my hope,” she said. “Now is the time to speak out.” Rep. Pat Garofalo, RFarmington, lead Republican on the House K-12 Finance Committee, said the administration is just following existing state law in dealing with the cash flow issue. If lawmakers don’t like it, they should change the law and not blame Tim Pawlenty, he said. Other routes the administration could take in meeting the cash flow crunch would be to delay vendor payments, provider payments, higher education and tax refund payments.

tions@dcrchamber.com. Apple Valley Chamber of Commerce events: • Thursday, Jan. 28, 4:30 to 6:30 p.m., Business After Hours, James Barton Design-Build, 5920 148th St. E., Apple Valley. Free. Information: tammy@applevalleychamber.com. • Tuesday, Feb. 2, 7:30 to 9 a.m. Coffee Connection, Liberty Mutual Insurance, 14985 Glazier Ave., Suite 645, Apple Valley. Free. Open to the public. Information: (952) 432-8422 or info@ applevalleychamber.com. • Thursday, Feb. 18, 4:30 to 6:30 p.m., Business After Hours at M & I Bank, 7095 151st St. W., Apple Valley. Information: LeeAnn Schirmer, info@applevalleychamber.com. Burnsville Chamber of Commerce events: • Monday, Feb. 1, 6 to 8 p.m. School District 191’s 16th Annual Career Fair at Burnsville High School. Area businesses can market their services to over 700 people for free with a booth at the fair. Students, parents and community members are invited to explore career opportunities and seek professional advice. If you would like to host a free booth, contact Marcia Sexton at msexton@burnsville.k12.mn.us or (952) 707-2339. • Friday, Jan. 29, 8 to 9 a.m., Legislative “Buzz” at The Roasted Pear, 14200 Nicollet Ave., Burnsville. Information: Travis Martinson, travis@burnsvillechamber. com. • Tuesday, Feb. 2, 8 to 9 a.m., Chamber 101 at Burnsville Chamber of Commerce, 101 W. Burnsville Parkway, Suite 150, Burnsville. Information: chamber@ burnsvillechamber.com. RSVP: travis@burnsvillechamber.com or anne@burnsvillechamber.com. • Wednesday, Feb. 10, 11:30 a.m. to 1 p.m., State of the City Luncheon at Burnsville Performing Arts Center in the Heart of the City. Fee: $25. Register online at www.burnsvillechamber.com. • Wednesday, Feb. 24, 4 to 5 p.m., Chamber Ambassadors meeting at Applewood Rustic Bar & Grill, 1996 E. Highway 13, Burnsville. Information: travis@ burnsvillechamber.com • Mixed Chamber Bowling League: The first ever South Metro Chamber League will be played Wednesdays, 5:30 to 7:30 p.m., at Brunswick Zone,

Lakeville. The next session will be March 3 to May 5. Cost is $15/bowler per week (includes shoes). Call Brunswick Zone and ask for Eric Schmidt or Leslie Jasper at (952) 435-2695. Lakeville Area Chamber of Commerce events: • Thursday, Jan. 28, 4:30 to 7 p.m., Business After Hours, Bank of the West - 5 Year Anniversary, 17533 Cedar Ave., Lakeville. • Friday, Jan. 29, 7:30 to 8:30 a.m., Business Education Committee, Lakeville South High School. • Wednesday, Feb. 3, 7:30 to 8:30 a.m., Breakfast Brew at Crystal Lake Golf Club. • Wednesday, Feb. 10, 11:30 a.m., Women of the Lakeville Chamber Luncheon at Highview Hills by Walker. RSVP by Feb. 3. Register online at www.lakevillechambercvb.org/calen.html. • Thursday, Feb. 25, 4:30 to 6:30 p.m. Business After Hours at Rudy’s Red Eye Grill. SHiFT network events are held Thursdays from 6:30 to 8 p.m. at Inver Hills Community College, 2500 E. 80th St., Inver Grove Heights. SHiFT is a nonprofit network connecting adults in mid-life transition with opportunities to seek meaningful work, new avocations, and a supportive community (www.shiftonline.org). Attendance at first event is free for SHiFT members and first-time guests. Next event: voluntary contribution of $5. • Thursday, Jan. 28, “What’s the Next Chapter of Your Life?” Fleming Field Conference Room, 1725 Henry Ave., South St. Paul, (651) 554-3350. Participate in a group discussion about what you want to do next, and get feedback from the group about how you can get there. Led by Tom Tiedemann, principal of Participation by Design, LLC. SCORE “Counselors to America’s Small Business” seminar: • Thursday, Jan. 28, 9 a.m. to 5 p.m., “Going Into Business.” The seminar will be held at University Bank, 200 University Ave. W., St. Paul. It covers the basics of business planning, marketing, market research, finance, management and organization, federal taxes, business law and commercial insurance. To register, go to www.score-stpaul.org or call (651) 261-1429 for information. Fee is $60 which includes semi-

nar, booklets and other materials. District 196 Community Education. Starting Your Own Business Series presented in collaboration with SCORE South Metro. Enroll in all four classes for $99; www.district196.org/ce or (651) 423-7920. • Tuesday, Feb. 9, 6:30 to 8:30 p.m., “How to Start Your Own Business,” $29, Falcon Ridge Middle School, Apple Valley. • Tuesday, Feb. 16, 6:30 to 8:30 p.m. “Marketing and Advertising Your Business,” $29, Falcon Ridge Middle School, Apple Valley. • Tuesday, Feb. 23, 6:30 to 8:30 p.m., “Legal Aspects and Financial Management: Owning Your Own Business,” $29, Falcon Ridge Middle School, Apple Valley. • Tuesday, March 2, 6:30 to 8:30 p.m., “Developing Your Business Plan,” $29, Falcon Ridge Middle School, Apple Valley. Dakota Scott IT Entrepreneurs will host a panel discussion on “How to Grow Your IT Business” Thursday, Feb. 18, 4 to 6 p.m. at Old Chicago, 14998 Glazier Ave, Apple Valley. Panelist include Danbury IT, ID Insight and Netmajic. Cost is $10, appetizers and beverages provided. Register at cindyjohns@comcast. net. Sponsored by Dakota Future and Dakota Scott Workforce Center. Ongoing Dakota Business Partners (networking group) meets every Tuesday at 8:30 a.m. at Enjoy! Restaurant in Apple Valley. For more information call at (651) 216-5406. Platinum Partners, a chapter of BNI, welcomes one representative from each profession and meets every Wednesday morning from 7:30 to 9 a.m. at the Lakeville Green Mill. To learn more, call Amy at (952) 226-7741. Creative Networking Professionals (CNP) is a nonprofit business networking organization established in November 2003. The group meets at JoJo’s Rise and Wine in Burnsville from 8 to 9 a.m. the first and third Tuesday of each month. CNP is currently looking to add members to its group of 16 members. Only one person from each professional specialty is permitted to join. All participants should represent their primary occupation, not a part-time business. First two vis-

its are free; thereafter the cost is $50 per year to cover overhead expenses. Contact Jeffrey L. Rothmeyer at (651) 463-8300 to find out if your profession is still available. Network Unlimited, a professional networking chapter, meets Tuesdays from 4:30 to 5:45 p.m. at Cherokee Sirloin Room, Cliff Road and Nicols Road, Eagan. To see if your category is open go to www.NetworkUnlimited.org. BNI – The Valley Networkers chapter of Business Networking Intl. meets Thursdays at 11:30 a.m. at the DCTC Apple Valley Site at 14200 Cedar Ave. BNI is a networking group for business owners who are looking to increase their revenue. Only one person from each profession. Bring your own lunch. For more information, call Nicole Blasing at (651) 331-9238 or visit www.bnimn.com BNI-Networking will meet Wednesdays at 8:15 a.m. at Byerly’s Cafe in Eagan. Open to all professionals for referrals. For more information, call (651) 2473200. Professional Referral Exchange of Burnsville meets every Wednesday for breakfast at Denny’s Restaurant. Meetings begin at 7 a.m. For more information, contact Jo Baecker, area director, at (612) 618-5347 or visit the Web site www.prorefx.com. BNI - Business Networking Intl. meets Wednesdays at 7:30 a.m. at Commons on Marice in Eagan. For more information call Christina Avery at (651) 247-2111 or check out the BNI Web site at www.bni-mn.com. Beta Sigma Phi, Preceptor Alpha Delta Chapter, meets the second Wednesday of every month at 7:30 at a member’s home. For information, call (952) 894-8831. Network Results Chapter of Business Network International, networking for local business owners, only one person from each profession. First two meetings are free. We meet every Wednesday for breakfast, 7-8:30 a.m. at Roasted Pear, 14200 Nicollet Ave. S., Burnsville. Call Michele Jennings for more information: (612) 581-0332. Network Plus BNI Chapter meets from 11:30 a.m. to 1 p.m. Thursdays at the Parkway Grill (old Benchwarmer Bob’s) in Burnsville. For more information,

the 2010 fiscal year to solve the problem, about $550 million needs to be scraped together. Among solutions administration officials are examining is delaying payments to school districts. Delays could take place for the months of March, April and May with repayment coming at the end of May or in June, explained administration officials.

Most schools affected

Capitol Roundup

To find out the latest news in Minnesota government, go online to ECM Capitol Roundup at www.HometownSource.com.

Time to speak out

Hanson said the administration would present its supplemental state budget to lawmakers the first week of the legislative session. The session begins Thursday, Feb. 4. The biggest unknown factor in the state budget right now is the amount of tax refunds that need to be returned, said Schowalter. The cash flow crunch projected for next fiscal year is much worse than the current. But Schowalter said projecting out on cash flow is speculative.

call Kelly at (612) 861-8300. Networking coffee group at Caribou Coffee will meet from 9:30-11:30 a.m. at Caribou Coffee, 14638 Cedar Ave., on the second and fourth Mondays of the month. Call (763) 783-4767 to register. Grapevine Network “Common Denominator” Group meets Tuesdays from 7:30-8:45 a.m. at Coldwell Banker Burnet, 190 Cobblestone Lane, Burnsville. For information, call (952) 7465611 or visit www.thegrapevinenetwork.com. Grapevine Networking Group meets Wednesdays from 7:30-8:45 a.m. at Coldwell Banker Burnet, 190 Cobblestone Lane, Burnsville. For information, call (952) 746-5611 or visit www. thegrapevinenetwork.com. Kingdom Advisors members meet monthly for fellowship, training, networking, prayer, and sharing of best practices. Ron Blue or other recognized speakers (via DVD) cover a topic each month helping members integrate and apply Biblical financial wisdom into their professional advice. Visitors welcome. The S Metro Group meets at Family Financial Services, 151 W. Burnsville Parkway, Burnsville, from 7:30 to 9 a.m. on the fourth Tuesday of each month. POC is Jeff Robinson at (952) 890-6611. The SE Metro Group meets at 2918 Upper 55th St., Inver Grove Heights, the first Thursday of each month from 12 noon to 1 p.m. (bring your lunch). POC is Ginger Ewing at (651) 389-1177. Seed Your Business Networking Group – “Plant a seed and grow your business” – meets the first and third Wednesday every month at noon at Baskets On Occasion, 3348 Sherman Court, Suite 104, Eagan. Only one person from each profession. Contact Mary O’Rourke at (651) 994 8392 or visit www.seedyourbusiness.com for more information. The S.T.A.R. (South Twin Cities Area Referral) Networking Group meets 8 to 9 a.m. every Wednesday at the Bremer Bank, 17600 Cedar Ave., Lakeville. Openings are available. For questions, call Kathy Andrade at (952) 997-1306.

T.W. Budig is at tim.budig@ ecm-inc.com.

Calendar To submit an item for the Calendar, e-mail it to darcy.odden@ ecm-inc.com or fax (952) 8462010. Date-specific Dakota County Regional Chamber of Commerce events: • Thursday, Jan. 28, 8 to 9 a.m., Farmington Area Business Council Breakfast, Farmington Eagles Club, 200 Third St. Adriana Martinez with Toastmasters will cover a variety of speaking techniques including ice breakers, being in earnest, organizing the speech, body language and gestures and vocal variety. She will also discuss the Toastmasters Speech Craft Program. Fee: $15. Registration required. Information: Amanda Franklin, afranklin@dcrchamber.com. • Thursday, Feb. 4, 7:30 to 8:30 a.m., The Buzz, “Protect You and Your Business from Fraud,” WorkForce Center of Dakota County, Rooms 110 B and C, 1 West Mendota Road, West St. Paul. Information: Alisha Kitchen, communications@dcrchamber. com. • Thursday, Feb. 4, 4 to 9 p.m., Session Priorities 2010, St. Paul RiverCentre, 175 W. Kellogg Blvd., St. Paul. Fee: $90. Information: Ruthe Batulis at (651) 288-9201 or rbatulis@dcrchamber.com. • Tuesday, Feb. 9, 8 to 9 a.m., AM Connection, Rosemount Eye Clinic, 15083 Crestone Ave., Rosemount. Information: Ruthe Batulis, rbatulis@dcrchamber. com. • Tuesday, Feb. 9, 5:30 to 7:30 p.m., open house, Professional Connections - BNI, at Roundbank, 3380 Vermillion River Trail, Farmington. Beverages and light appetizers served. Free. Information: Troy Solis, tsolis@sol-is. com. • Wednesday, Feb. 10, 7:30 to 8:30 a.m., Rosemount Area Business Council, at Paul Eggen, State Farm Insurance, 14450 S. Robert Trail, Suite 204, Rosemount. Jane Vanderpoel, management analyst for Dakota County, will be the featured speaker. Information/ RSVP: Ruthe Batulis, rbatulis@ dcrchamber.com. • Thursday, Feb. 11, 8:30 to 9:30 a.m., Coffee Break at The Commons on Marice, 1380 Marice Drive, Eagan. Information: Alisha Kitchen, communica-

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY January 28, 2010

13A

Dakota County Business Contacts Address: 14800 Galaxie Avenue, Suite 101, Apple Valley, MN 55124 Phone: (952) 432-8422 or 1-800-301-9435 Web site: www.applevalleychamber.com E-mail: info@applevalleychamber.com

Burnsville Chamber of Commerce Address: 101 W. Burnsville Parkway, No. 150, Burnsville, MN 55337 Phone: (952) 435-6000 Fax: (952) 435-6972 Web site: www.burnsvillechamber.com E-mail: chamber@burnsvillechamber.com

Burnsville Convention & Visitors Bureau Address: 101 W Burnsville Pkwy - Suite 150B, Burnsville, MN 55337 Phone: (952) 898-5646 Fax: (952) 487-1777 Web site: www.burnsvillemn.com

Lakeville Area Chamber of Commerce and Convention and Visitors Bureau Address: 19950 Dodd Blvd., Suite 101, Lakeville, MN 55044 Phone: (952) 469-2020 Web site: www.lakevillechamber.org E-mail: info@lakevillechamber.org

Dakota County Regional Chamber of Commerce Address: 1121 Town Centre Drive, No. 102, Eagan, MN, 55123 Phone: (651) 452-9872 Fax: (651) 452-8978 Web site: www.dcrchamber.com E-mail: info@dcrchamber.com

Eagan Convention and Visitors Bureau Address: 1501 Central Parkway, Eagan, MN 55121 Phone: (651) 675-5546 or 1-866-324-2620 Web site: http://eaganmn.com E-mail: enjoyeagan@eaganmn.com

Assumed Names Any individual, corporation, limited partnership or limited liability company that conducts business in Minnesota under a name other than their full legal name, must file a Certificate of Assumed Name.

tax increment financing, local loan funds or state or federal Address: 8790 207th St. W., Suite 204, P.O. Box 371, business finance programs. Lakeville, MN 55044 Apple Valley, Bruce Nordquist E-mail: dlba@frontiernet.net Phone: (952) 953-2576 Office Hours: Mondays and Wednesdays 9 a.m. to 2 p.m. E-mail: bnordquist@ci.apple-valley.mn.us Judy Tschumper is the director of the Downtown LakevWeb site: www.ci.apple-valley.mn.us ille Business Association. Burnsville, Skip Nienhaus Phone: (952) 895-4454 Positively Minnesota Marketing E-mail: skip.nienhaus@ci.burnsville.mn.us Partnership Web site: www.burnsville.org Minnesota Department of Employment & Economic Farmington, Tina Hansmeier Development Phone: (651) 280-6821 Address: 1st National Bank Building, 332 Minnesota St., E-mail: thansmeier@ci.farmington.mn.us Suite E200, St. Paul, MN 55101 Web site: www.ci.farmington.mn.us Phone: (651) 259-7298 Hastings, Shannon Rausch Fax: (651) 215-3841 Phone: (651) 480-2344 E-mail: Positively.Minnesota@state.mn.us E-mail: SRausch@ci.hastings.mn.us Web site: www.ci.hastings.mn.us Dakota Future Inver Grove Heights, Jennifer Gale Role: Provide site location assistance for firms considering Phone: 651-451-2266 Dakota County locations and serves as a general gateway for E-mail: Kevin@progressplus.org economic development services within Dakota County. Web site: www.ci.inver-grove-heights.mn.us Address: P.O. Box 240874, Apple Valley MN 55124-0874 Mendota Heights, Jim Danielson E-mail: bill@dakotafuture.com Phone: 651-452-1850 Phone: (651)491-2551 E-mail: jimd@mendota-heights.com Web site: www.dakotafuture.com Web site: www.mendota-heights.com Lakeville, Dave Olson Minnesota Workforce Centers in Burnsville Phone: 952-985-4421 E-mail: dolson@ci.lakeville.mn.us and West St. Paul Web site: www.ci.lakeville.mn.us Role: Assist in the hiring and training of new employees, Rosemount, Kim Lindquist general gateway into Minnesota Department of EmployPhone: 651-322-2020 ment and Economic Development and other state agencies E-mail: Kim.lindquist@ci.rosemount.mn.us Phone: 612-821-4411 Web site: www.ci.rosemount.mn.us E-mail: terrell.towers@state.mn.us South St. Paul, Jennifer Gale Phone: 651-451-2266 South Metro SCORE E-mail: kevin@progressplus.org Role: Counselors to Americaâ&#x20AC;&#x2122;s small businesses, free, www.southstpaul.org confidential, face-to-face assistance from successful business West St. Paul, Jim Hartshorn mentors. Phone: 651-552-4140 Phone: (952) 890-7020 E-mail: Jim.hartshorn@ci.west-saint-paul.mn.us E-mail: southmetroscore@qwestoffice.com Web site: www.ci.west-saint-paul.mn.us Web site: www.score-southmetro.org

City Governments

*Inver Grove Heights and South St. Paul use Progress Plus, an affiliate of the River Heights Chamber of ComRole: Provide guidance through any real estate develmerce, for their cityâ&#x20AC;&#x2122;s economic development services. opment process; may provide financial incentives through

Business Directory

! " # $ % ! & ! ! ! '( ) * +, - .

+ *- + 5 * /* 25# 6

+ 0 )

1 12 ' 3 # 4

! " ! " # ! $ % & ' & ( ) ' ! $

* +,* -,,,, , + ,- , . / + ,- ,, / + - 0 )

* 0 /*0 ! / 0 ,0,/* . 7 * 0 /*0/* /

0 : '; 7 0! , " 4 3 8880 7 &2! 0!

+ /5 *,, 25# 6

Book Your Company Event at... 8075 Lucerne Blvd. 3 Miles West of I-35 952-440-4656 â&#x20AC;˘ HeritageLinks.com Lakeville, MN 55044

To advertise in the Dakota County Tribune Business Directory call 952-894-1111

+ - + 5 /*25# 6

Burnsville. ASHA, 1109 Hilloway Circle, Burnsville. Kool Ayd Beats, 1609 W. County Road 42 #288, Burnsville. DJ Kool Ayd, 1609 W. County Road 42 #288, Burnsville. Roofs for Troops, 14109 Milk Man Productions, 942 White Rock Road, Burnsville. Wescott Trail #103, Eagan. Wreaths By Anna, 1205 Image Advantage, LLC, 798 140th St. E., Burnsville. Sunset Drive, Eagan. LivINN Hotels, 181 River Galaxie Diner, 15322 Gal- Ridge Circle S., Burnsville. axie Ave. #101, Apple Valley. Faith Covenant Baptist The Fitting Room, 14839 Church, 2305 W. 77th St., Endicott Way #312, Apple Val- Burnsville. ley. The Chap Store, 2020 HighSuper Plushâ&#x20AC;&#x2122;n Stuff, 14184 way 13 E., Burnsville. Heywood Path, Apple Valley. PlyAgainParts.com, 1505 Awash Travel, 5520 142nd Chateaulin Lane, Burnsville. St. W. #203, Apple Valley. Liberty Cleaning Services, The Blondie Foundation in 1613 E. Burnsville Parkway Memory of Brutus, 112 Hidden #409, Burnsville. Meadow Road, Apple Valley. C.D.C. Christyâ&#x20AC;&#x2122;s Dry CleanBelle Vie Decor, 6665 Fly- ers, 2917 Cliff Road E., Burnscatcher Lane, Apple Valley. ville. Karen Kruse Photography, Kyle Pederson Renewal 15716 Frisian Lane, Apple Val- Project, 3409 E. Burnsville ley. Parkway, Burnsville. Global Interpreting & TransBurnsville Auto Repair, lation Service, 852 Whitney 12001 County Road 11, BurnsDrive, P.O. Box 241613, Apple ville. Valley. KA Carlson, 12704 Country Studio 3 Solutions, 713 Chi- View Lane, Burnsville. cago Drive, Burnsville. Bullfish Enterprises, 4313 Acme Mechanical, 1609 W. River Bend Place, Savage. County Road 42 #281, BurnsCatamount Enterprises, ville. 4313 River Bend Place, SavZida Fashion Accessories, age. 14300 Buck Hill Road, BurnsSales Rocks, 8160 County ville. Road 42 300-327, Savage. LJâ&#x20AC;&#x2122;s Do It All Cleaning, JEI Wind.com, 6286 144th 14812 Portland Ave. S., Burns- St., Savage. ville. Et le Merle Chante, 14985 Netsource, 501 E. 153rd St., Natchez Ave. S., Savage.

Downtown Lakeville Business Association

+ *- + + 5 *, ,25# 6

Apple Valley Chamber of Commerce

��

PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE

ORDER FOR HEARING AND NOTICE (CHILD IN NEED OF PROTECTION OR SERVICES PETITION PROCEEDINGS) STATE OF MINNESOTA COUNTY OF DAKOTA COUNTY COURT JUVENILE DIVISION File No. 19HA-JV-10-64 In the Matter of the Welfare of B.D. and M.D., Children. TO: Billy Gene Cager Social Worker, Ann Hackel, having filed in this Court, a petition alleging among other things that the above named children are, in need of protection or services, in this, viz: within the meaning of Minnesota Statutes, Section 260C.007: Subd. 6(3), in that the children are without necessary food, clothing, shelter, education, or other required care for the children’s physical or mental health or morals because the children’s parent, guardian or custodian is unable or unwilling to provide that care. IT IS ORDERED that said petition be heard and the facts concerning such children be examined by the Court in the County Court Room, in the Court House, in Hastings, Minnesota, on February 17, 2010 at 9:00 am, or as soon thereafter as said matter can be heard; IT IS FURTHER ORDERED that notice hereof be given to the following named persons by one week publication in a legal newspaper as provided by law, viz: Billy Gene Cager. Dated: January 22, 2010 Richard G. Spicer Judge 2055177 1/28/10

ORDINANCE NO. 863

CITY OF LAKEVILLE DAKOTA COUNTY, MINNESOTA AN ORDINANCE AMENDING ORDINANCE NO. 674 BEING THE ZONING ORDINANCE OF THE CITY OF LAKEVILLE THE CITY COUNCIL OF THE CITY OF LAKEVILLE ORDAINS: Section 1. O r d i n a n c e N o . 6 7 4 i s hereby amended to rezone the following described property located within the City of Lakeville, Dakota County, Minnesota from I-1, Limited Industrial District to PUD, Planned Unit Development District: The most easterly 236.00 feet of Outlot A, FIRST PARK LAKEVILLE. Section 2. The zoning map of the City of Lakeville shall not be republished to show the aforesaid rezoning, but the City Clerk shall appropriately mark the zoning map on file in the City Clerk's office for the purpose of indicating the rezoning, hereinabove shown thereon are hereby incorporated by reference and made a part of this Ordinance. Section 3. This ordinance shall be effective upon its passage, publication, and the recording of the Clemmer Second Addition final plat. Adopted by the Lakeville City Council this 19th day of January, 2010. CITY OF LAKEVILLE BY:__________________ Holly Dahl, Mayor ATTEST: ______________________________ Charlene Friedges, City Clerk 2052904 1/28/10

NOTICE OF INFORMAL PROBATE OF WILL AND INFORMAL APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT Court File No.: 19HA-PR-10-25 In Re: Estate of Gladys Marie Schreiner aka Gladys M. Schreiner, Decedent. Notice is given that an Application for Informal Probate of Will and Informal Appointment of Personal Representative was filed with the Registrar, along with a Will dated October 30, 2006. The Registrar accepted the application and appointed Sherry Dierberger whose address is 3854 Country Creek Way, Eagan, Minnesota 55122 to serve as personal representatives of the decedent’s estate. Any heir, devisee or other interested person may be entitled to appointment as personal representative or may object to the appointment of the personal representative. Any objection to the appointment of the personal representative must be filed with the Court, and any properly filed objection will be heard by the Court after notice is provided to interested persons of the date of hearing on the objection. Unless objections are filed, and unless the Court orders otherwise, the personal representative has the full power to administer the estate, including, after thirty (30) days from the issuance of letters testamentary, the power to sell, encumber, lease, or distribute any interest in real estate owned by the decedent. Notice is further given that, subject to Minn. Stat. § 524.3-801, all creditors having claims against the decedent’s estate are required to present the claims to the personal representative or to the Court within four (4) months after the date of this notice or the claims will be barred. Dated: January 15th, 2010 Carol M. Renn Registrar By: Joann Bauer Deputy Registrar Marna Wolf Orren MN# 221533 2295 Waters Drive Mendota Heights, MN 55120 Telephone: 651-310-1400 Facsimile: 651-222-2002 e-mail: mwo@klemp-stanton.com 2045937 1/21-1/28/10

PUBLIC NOTICE

NOTICE OF INFORMAL PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVES AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT PROBATE DIVISION FIRST JUDICIAL DISTRICT File No. 19-HA-PR-10-34 In Re: Estate of: MARIE LOUISE DEML, a/k/a MARIE L. DEML, a/k/a MARIE DEML, Decedent. TO ALL INTERESTED PERSONS AND CREDITORS: Notice is hereby given, that an application for informal probate of the above named decedent’s Last Will, dated October 7, 2008, has been filed with the Registrar herein, and the application has been granted informally probating such Will. Any objections may be filed in the above named Court, and the same will be heard by the Court upon notice of hearing fixed for such purpose. Notice is hereby further given that the informal appointments of Barbara Neff, whose address is 111 Imperial Drive #300, West St. Paul, Dakota County, Minnesota 55118 and David J. Fox whose address is 649 Lafond Avenue, St. Paul, Ramsey County, Minnesota 55104, as co-personal representatives of the estate of the above named decedent, have been made. Any heir, devisee or other interested person may be entitled to the appointment as personal representative or may object to the appointment of the personal representative and the personal representatives are empowered to fully administer the estate including, after 30 days from the date of issuance of his letters, the power to sell, encumber, lease or distribute real estate, unless objections thereto are filed with the Court (pursuant to Section 524.607) and the Court otherwise orders. Notice is further given that ALL CREDITORS having claims against said estate are required to present the same to said personal representatives or to the Clerk of the Court within four months after the date of this notice or said claims will be barred. Dated: January 20th, 2010 Carol M. Renn Registrar By: Joann Bauer Deputy Registrar J. Patrick Plunkett, Attorney for Petitioner License No. 87221 Moore, Costello & Hart, P.L.L.P. 55 East Fifth Street, Suite 1400 St. Paul, MN 55101-1792 Phone: (651) 227-7683 FAX: (651) 602-2670 2048556 1/28-2/4/10 ��

��

NOTICE OF INFORMAL PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT PROBATE DIVISION FIRST JUDICIAL DISTRICT Court File No. 19HA-PR-10-16 Estate of Jeannine T. Varner, Decedent Notice is given that an application for informal probate of the Decedent’s will dated December 22, 2009 (”Will”), has been filed with the Registrar. The application has been granted. Notice is also given that the Registrar has informally appointed Terry Varner, whose address is 18611 Egret Way, Farmington, MN 55024, as personal representative of the Estate of the Decedent. Any heir, devisee or other interested person may be entitled to appointment as personal representative or may object to the appointment of the personal representative. Unless objections are filed with the Court (pursuant to Minn. Stat. 524.3-607) and the Court otherwise orders, the personal representative has full power to administer the Estate including, after 30 days from the date of issuance of letter, the power to sell, encumber, lease or distribute real estate. Any objections to the probate of the will or appointment of the Personal Representative must be filed with this Court and will be heard by the Court after the filing of an appropriate petition and proper notice of hearing. Notice is also given that (subject to Minn. Statc. 524.3-801) all creditors having claims against the Estate are required to present the claims to the personal representative or to the Court Administrator within four months after the date of this Notice or the claims will be barred. Date 1-12-10 Carol M. Renn Registrar By: Joann Bauer Deputy Registrar Attorney for Personal Representative Kevin C. Lanigan Carlson Estate Planning 3300 Edinborough Way, Suite 550 Edina, MN 55435 Attorney License No.: 143339 Telephone: 952-832-9000 FAX: 952-896-0001 2041948 1/21-1/28/10

PUBLIC NOTICE

NOTICE OF INFORMAL APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA IN DISTRICT COURT PROBATE DIVISION FIRST JUDICIAL DISTRICT COURT FILE NO. 19HA-PR-10-23 In Re: Estate of Viviene June Costello, a/k/a Viviene J. Costello, Viviene Costello, Vivian June Costello, Vivian J. Costello and Vivian Costello, Decedent. TO ALL INTERESTED PERSONS AND CREDITORS: Notice is given that an Application for Informal Appointment of Personal Representative was filed with the Registrar. The Registrar accepted the application and appointed Rita M. Leier, whose address is 334 South Saratoga Street, St. Paul, MN 55105, to serve as the personal representative of the decedent’s estate. Any heir or other interested person may be entitled to appointment as personal representative or may object to the appointment of the personal representative. Any objection to the appointment of the personal representative must be filed with the Court, and any properly filed objection will be heard by the Court after notice is provided to interested persons of the date of hearing on the objection. Unless objections are filed, and unless the Court orders otherwise, the personal representative has the full power to administer the estate, including, after thirty (30) days from the issuance of letters of general administration, the power to sell, encumber, lease, or distribute any interest in real estate owned by the decedent. Notice is further given that, subject to Minn. Stat. § 524.3-801, all creditors having claims against the decedent’s estate are required to present the claims to the personal representative or to the Court within four (4) months after the date of this notice or the claims will be barred. Dated: January 14th, 2010. Carol M. Renn Registrar By: Joann Bauer Deputy Registrar Attorney for Personal Representative: Gene E. Adkins, (20951x) Hitchcock Law Firm, PLLC The Barrister Building 1465 Arcade Street Saint Paul, MN 55106 Telephone: (651) 772-3401 2043756 1/21-1/28/10

TO: The Associates of Acacia Park Cemetery Association and to all others whom it may concern: NOTICE IS HEREBY GIVEN that the Annual Meeting of the Associates of Acacia Park Cemetery Association will be held at the office of the Association in the County of Dakota, State of Minnesota, on the 5th day of February, 2010, at the hour of 3:00 o’clock in the afternoon of said day for the election of three (3) associates whose terms of office expire on Jan. 31, 2010, and for the election of five (5) Trustees of said Association, and to receive the reports of the officers of the Association, and to transact such other items of business as may properly come before the meeting. FURTHER NOTICE IS HEREBY GIVEN that the Trustees so elected will meet immediately upon the adjournment of the Associates and hold the regular annual meeting of the Trustees at the office of the Association. DATED 1/25/10 Dale J. Bachmeier General Manager Acacia Park Cemetery 2053201 1/28/10

PUBLIC NOTICE

NOTICE OF HEARING ON PETITION TO SELL REAL PROPERTY STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT PROBATE DIVISION FIRST JUDICIAL DISTRICT CASE TYPE: Conservatorship In Re: Guardianship of Person and Conservatorship of Estate of Doris Jean Johnson, Protected Person A petition to sell certain real estate owned by the protected person has been filed with the Court. YOU ARE HEREBY NOTIFIED that a hearing on the petition will be held at 9:00 am on February 8, 2010 at Dakota County Judicial Center, 1560 Highway 55, Hastings, MN and that notice hereof be given by mail as provided by law, by mailing a copy of this order at least fourteen (14) days before the date of the hearing to the above named protected person and to each of the next-of-kin and all persons entitled to notice under Minnesota Statute § 524.5-102 Subd. 7. Dated: 1-12-10 Carolyn M. Renn Court Administrator By: KED Attorney for Petitioner Joel T. LeVahn / Susan Breid Zappia & LeVahn, Ltd. 941 Hillwind Rd NE, Suite 301 Fridley, MN 55432 P: 763.571.7721 F: 763.571.7734 Atty ID: 129355 / 290518 2045924 1/21-1/28/10

PUBLIC NOTICE

NOTICE OF INFORMAL PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT PROBATE DIVISION FIRST JUDICIAL DISTRICT Court File No. 19-HA-PR-10-16 Estate of Jeannine T. Varner, Decedent Notice is given that an application for informal probate of the Decedent's will dated December 22, 2009 ("Will"), has been filed with the Registrar. The application has been granted. Notice is also given that the Registrar has informally appointed Terry Varner, whose address is 18611 Egret Way, Farmington, MN 55024, as personal representative of the Estate of the Decedent. Any heir, devisee or other interested person may be entitled to appointment as personal representative or may object to the appointment of the personal representative. Unless objections are filed with the Court (pursuant to Minn. Stat. 524.3-607) and the Court otherwise orders, the personal representative has full power to administer the Estate including, after 30 days from the date of issuance of letter, the power to sell, encumber, lease or distribute real estate. Any objections to the probate of the will or appointment of the Personal Representative must be filed with this Court and will be heard by the Court after the filing of an appropriate petition and proper notice of hearing. Notice is also given that (subject to Minn. State. 524.3-801) all creditors having claims against the Estate are required to present the claims to the personal representative or to the Court Administrator within four months after the date of this Notice or the claims will be barred. Date 1/12/2010 Carol M. Renn Registrar Joann Bauer Deputy Registrar Attorney for Personal Representative Kevin C. Lanigan Carlson Estate Planning 3300 Edinborough Way, Suite 550 Edina, MN 55435 Attorney License No.: 143339 Telephone: 952-832-9000 FAX: 952-896-0001 2046207 1/21-1/28/10

ORDER FOR HEARING STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT PROBATE COURT DIVISION FIRST JUDICIAL DISTRICT Court File No.: 19-C3-04-10169 _______________________________________ In Re: The Irrevocable Special Needs Trust of VIRGINIA A. LANGE created pursuant to Court Order dated November 22, 2004. _______________________________________ The Petition for Allowance of Accounts for the Period from November 22, 2004 through November 22, 2009, and for an Order Approving All Acts of the Trustee, by Petitioner, VINCE W. LANGE and JANET M. R. LANGE, by and through their attorney, Randy F. Boggio, Garvey & Boggio, P.A., 9995 Lyndale Avenue South, Bloomington, MN 55420, having come before the Court; IT IS ORDERED: 1. That said Petition be heard on the 22nd day of April, 2010, at 9:00 am by the above-named Court at the Dakota County Probate Court, 1560 Highway 55, Hastings, MN 55033. IT IS FURTHER ORDERED that Petitioner give notice of said hearing by mailing at least 15 days before the date of the hearing a copy of the Order for Hearing to all interested parties at their respective addresses, and this Order published once, at least twenty (20) days prior to the date of said hearing in a legal newspaper. Dated: 1/19, 2010 BY THE COURT Judge of District Court GARVEY & BOGGIO, P.A. Randy F. Boggio, #16379X 9995 Lyndale Avenue South Bloomington, MN 55420 (952) 881-4996 (Phone); (952) 881-2470 (Fax) rboggio@gblawoffice.com 2051653 1/28/10

PUBLIC NOTICE ADVERTISEMENT FOR BIDS

DAKOTA COUNTY COMMUNITY DEVELOPMENT AGENCY (CDA) EAGAN, MN 55123 Notice is hereby given that sealed bids will be received by the Office of the Director of Housing Finance & Development, Dakota County CDA, Minnesota until 10:00 AM, Thursday, February 18, 2010, at the office of Dakota County Community Development Agency, 1228 Town Centre Drive, Eagan, MN 55123, at which time they will be publicly opened and read aloud for the furnishing of all labor and materials for the Unit Flooring Replacement at Park Ridge Place Senior Apartments located at 330 E. Burnsville Parkway, Burnsville MN 55337. Bids received after this time and date will be rejected. No telephone bids or fax bids will be accepted. Bids shall be on the forms provided for that purpose and according to the Bidding Documents prepared by Dakota County CDA. Bids will be opened publicly and read aloud. A bid tabulation or other bid result will be furnished to the Bidders. Bids shall be addressed to: Dakota County CDA, 1228 Town Centre Drive, Eagan, MN 55123. A mandatory pre-bid walk-through is scheduled for Thursday, February 4, 2010 at 9:00AM and is required of ALL bidders. Prospective bidders must meet at the front entrance to Park Ridge Place no later than 9:00AM. Failure of a bidder to attend the walk-thru immediately subjects his/her bid to disqualification. Interested bidders must confirm their intent to attend the walk-through by contacting Project Coordinator Dave Schaffer @ 651-451-0504 by no later than 4:00PM Wednesday February 3, 2010. Interested bidders may contact the Project Coordinator, to obtain bid documents and receive more information regarding this project. Specifications and bid documents for this project will not be available until January 28, 2010. Bid security in the amount of 5% of the bid must accompany each bid in accordance with the Instruction to Bidders. Bids shall be directed to the Project Coordinator, securely sealed and endorsed upon the outside wrapper, with the Project Address and Bid Due Date. The CDA hereby notifies all bidders that in regard to any Contract entered into pursuant to this advertisement, Disadvantaged Business Enterprises (D.M.E.) will be afforded full opportunity to submit bids and / or proposals and will not be subjected to discrimination on the basis of race, color, sex, age, religion, or national origin. The Dakota County CDA reserves the right to reject any and all bids, to waive irregularities and informalities therein and to award the Contract in the best interest of the CDA. 2044755 1/21-1/28/10

��

PUBLIC NOTICE

Notice of Hearing by Publication (Minn. Stat. § 518B.01, subd. 8) State of Minnesota County of Scott District Court First Judicial District Court File Number: 70-2003-22578 Case Type: Domestic Abuse In the Matter of: Jane Adelle Svare, et al, Petitioner vs. Eric Allen Svare, Respondent To Respondent named above: An order has been issued directing you to appear at 200 Fourth Ave. West, Shakopee, MN 55379 on 2-16-2010 at 9:00 a.m. and explain why the relief sought in the Application for an Extension of the Order for Protection should not be granted. You may obtain a copy of the Application for Extension of the Order for Protection and any order issued from the court from the Scott County Court Administrator’s Office. If you do not appear at the scheduled hearing, the Petitioner’s request may be granted as a default matter. Failure to appear will not be a defense to prosecution for violation of the Court’s Order. Date 1-19-2010 Renee Moshier Court Administrator/Deputy 2048597 1/28/10

PUBLIC NOTICE

NOTICE TO ANNOUNCE START OF PUBLIC COMMENT PERIOD This notice is to announce the beginning of a forty-five (45) day public comment and review period of a draft of the Dakota County Community Development Agency's (CDA) Comprehensive Housing Agency Plan (Agency Plan). The purpose of the public comment period is to receive comments from and to pass information to the general public concerning the Section 8 and Public Housing Programs administered by the Dakota County CDA. The 2010 Public Housing Agency Five Year Strategic Plan and Annual PHA Plan Update was developed in compliance with the Quality Housing and Work Responsibility Act of 1998. A draft of the 2010 PHA Plan is available for review on the Dakota County CDA's website at www.dakotacda.org and at the Dakota County CDA office at 1228 Town Centre Drive, Eagan, MN. Written and/or oral comments may be submitted to the CDA to the attention of Stephanie Newburg, Dakota County CDA, 1228 Town Centre Drive, Eagan, MN 55123. Telephone: 651-675-4400, Fax: 651-675-4444, MN Relay Service: 1-800-627-3529. This notice is also posted on our web site at www.dakotacda.org. Comments will be accepted now through March 15, 2010. Upon request, the Agency Plan can be made available in an alternative format by contacting the CDA. 2053049 1/28/10

PUBLIC NOTICE

NOTICE AND ORDER OF HEARING ON PETITION FOR FORMAL PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT PROBATE DIVISION FIRST JUDICIAL DISTRICT Court File No. 19HA-PR-10-20 Estate of: Thomas Edmond Herbranson, a/k/a Thomas E. Herbranson, Decedent TO ALL INTERESTED PERSONS AND CREDITORS: It is Ordered and Notice is hereby given that on the 22nd day of February, 2010 at 9:00 o’clock A.M., a hearing will be held in the above-named Court at 1560 Highway 55, Hastings, Minnesota, for the formal probate of an instrument purporting to be the Will of the above-named Decedent, dated January 22, 1997, and for the appointment of Mark J. Herbranson, whose address is 3911 Westmoor Drive, Moorhead, Minnesota 56560 and Mary A. Skie, whose address is 27140 Jonquil Avenue, Elko, Minnesota 55020, as co-personal representatives of the estate of the above-named Decedent in unsupervised administration, and that any objections thereto must be filed with the Court. That, if proper, and no objections are filed, a personal representative will be appointed to administer the estate, to collect all assets, pay all legal debts, claims, taxes, and expenses, and sell real and personal property, and do all necessary acts for the estate. Notice is further given that ALL CREDITORS having claims against said estate are required to present the same to said personal representative or to the Clerk of the Court within four months after the date of this notice or said claims will be barred. Date 1/13/10 Mary J. Theisen Judge of District Court Attorney for Petitioner Alexander A. Crosby Chandler and Brown, Ltd. 332 Minnesota Street, Suite W2610 St. Paul, MN 55101 651-228-0497 Fax: 651-228-9237 Attorney License No.: 0386625 2043216 1/21-1/28/10

��

PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE NOTICE TO CREDITORS AND MINNESOTA SECRETARY OF STATE MINNESOTA SECRETARY OF STATE MINNESOTA SECRETARY OF STATE

CLAIMANTS OF INTENT TO DISSOLVE OF THE MOUNTAINSTAR GROUP, INCORPORATED PLEASE TAKE NOTICE that shareholders of The MountainStar Group, Incorporated (the “Corporation”) have authorized a formal dissolution of the Corporation, and a Notice of Intent to Dissolve has been filed with the Secretary of State of Minnesota on January 5, 2010. Be advised that all claims against the Corporation must be submitted in writing to the following address within 90 days from the first date of publication of this notice: Mulligan & Bjornnes PLLP Attn: Michael Ostrem 401 Groveland Avenue Minneapolis, MN 55403 Phone: 612-871-1800 Facsimile: 612-871-7869 Dated: January 5, 2010 Constance J. O’Hara, President 2039366 1/14-2/4/10

PUBLIC NOTICE

SUMMONS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT Case Type: 14-Quiet Title Court File: 19-HA-CV-10-73 Richard A. Wolters, Plaintiff, vs. Anita Gail Williams, f/k/a Anita Gail Wolters, Defendant. The State of Minnesota to the Above-Named Defendant: You are hereby summoned and required to serve upon plaintiff’s attorney an answer to the complaint which is herewith served upon you and which is on file in the office of the clerk of the above-named court within 20 days after service of this summons upon you, exclusive of the day of service. If you fail to do so judgment by default will be taken against you for the relief demanded in the complaint. This action involves, affects or brings in question real property situated in the County of Dakota, State of Minnesota, described as follows: Lot 18 and the South 3 feet of Lot 19, Block 1, John G. deWerff’s Subdivision to St. Paul and Lot 17, Block 1, John G. deWerff’s Subdivision to St. Paul The object of this action is to determine adverse claims to said land. PLEASE NOTE that Supreme Court Rule 114 obliges the parties to attempt some form of alternative dispute resolution before proceeding to trial. By: Esther M. Lerman Esther M. Lerman #62315 Attorney for Plaintiff 1155 Centre Pointe Drive, Suite 10 Mendota Heights, Minnesota 55120 (651) 686-8688 2038172 1/14-1/28/10P

PUBLIC NOTICE

NOTICE OF INFORMAL PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT PROBATE DIVISION FIRST JUDICIAL DISTRICT Court File No. 19HA-PR-10-30 ESTATE OF Marian B. Hanson, DECEDENT Notice is given that an application for informal probate of the Decedent’s will dated September 9, 2003, has been filed with the Registrar. The application has been granted. Notice is also given that the Registrar has informally appointed Joel J. Hanson whose address is: 1127 Stryker Ave., West St. Paul, MN 55118 as personal representative of the Estate of the Decedent. Any heir, devisee or other interested person may be entitled to appointment as personal representative or may object to the appointment of the personal representative. Unless objections are filed with the Court (pursuant to Minn. Stat. 524.3-607) and the Court otherwise orders, the personal representative has full power to administer the Estate including, after 30 days from the date of issuance of letters, the power to sell, encumber, lease or distribute real estate. Any objections to the probate of the will or appointment of the Personal Representative must be filed with this Court and will be heard by the Court after the filing of an appropriate petition and proper notice of hearing. Notice is also given that (subject to Minn. 524.3-801) all creditors having claims against the Estate are required to present the claims to the personal representative or to the Court Administrator within four months after the date of this Notice or the claims will be barred. Date 1/19/10 Carol M. Renn Registrar By: Joann Bauer Deputy Registrar Attorney For Personal Representative John E. Trojack John E. Trojack Law Office P.A. 1549 Livingston Avenue Suite 101 West St. Paul, MN 55118-3420 (651) 451-9696 110929 2046958 1/21-1/28/10

Notice of Issuance of Harassment Order For Relief by Publication State of Minnesota County of DAKOTA District Court FIRST Judicial District Court File Number: 19WS-CV-09-2014 Case Type: Harassment ANDREA CATHERINE NORUSIS, Petitioner(s) vs. NOAH S. ESTERKIN, Respondent(s) To Respondent named above: YOU ARE HEREBY NOTIFIED that a Harassment Order For Relief has been issued in the above matter. A hearing is scheduled for February 16, 2010 at 9:00 a.m. at Dakota County District Court, 1 Mendota Road W #140, West St Paul, MN. Failure to appear at a scheduled hearing or to obtain a copy of the Harassment Order For Relief will not be a defense to prosecution for violation of the Court’s order. Date January 19, 2010 Carolyn M Renn Court Administrator Lori Schnepf Senior Court Clerk 2048155 1/28/10

PUBLIC NOTICE

Notice of Hearing by Publication (Minn. Stat. § 518B.01, subd. 8) State of Minnesota County of DAKOTA District Court FIRST Judicial District Court File Number: 19HAFA-09-1122 Case Type: Domestic Abuse In the Matter of: Tina M. Kehnl, Petitioner vs. Joseph Nathan Simones, Respondent To Respondent named above: An order has been issued directing you to appear at 1560 W. Hwy 55, Hastings, MN 55033 on February 1, 2010 at 9:00 a.m. and explain why the relief sought in the Petition for the Order for Protection should not be granted. You may obtain a copy of the Petition and any order issued from the court from the DAKOTA County Court Administrator’s Office. If you do not appear at the scheduled hearing, the Petitioner’s request may be granted as a default matter. Failure to appear will not be a defense to prosecution for violation of the Court’s Order. Date 1-21-2010 Maureen Northrup Court Administrator / Deputy 2051636 1/28/10

PUBLIC NOTICE

NOTICE OF SALE OF GOODS IN STORAGE TO SATISFY WAREHOUSE’S LIEN Notice is hereby given to person, herein after named and others interested that on 03/02/2010 at 11 O’clock in the AM of sale day, the goods hereafter described will be sold by auction to the highest bidder for cash at the warehouse at: 260 Hardman Avenue South, South St, Paul, MN 55075 Sale will be held in accordance with terms of a notice previously given the person herein-after named and others interested, and in accordance with the lien herewith and such other charges as are valid lien against said goods, and for expenses of advertising said sale. The name of the owners or persons whose account said goods are held in storage, the warehouse contract of lot number under which said goods are held and a description of the goods is as follows: Misc. Household Goods Name: Heidi Gunderson Bill of Lading #: 78894 Amount: $3,450.00 Bester Brothers Transfer and Storage Company 260 Hardman Ave. So. South St. Paul, MN 55075 2033746 1/28-2/11/10

PUBLIC NOTICE

MINNESOTA SECRETARY OF STATE CERTIFICATE OF ASSUMED NAME Minnesota Statutes Chapter 333 The filing of an assumed name does not provide a user with exclusive rights to that name. The filing is required for consumer protection in order to enable consumers to be able to identify the true owner of a business. 1. State the exact assumed name under which the business is or will be conducted: KOOL AYD BEATS 2. State the address of the principal place of business: 1609 W County Rd 42, Suite 288, Burnsville, MN 55306 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address. Garry Lane, 2700 Selkirk Dr #302D, Burnsville, MN 55337 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath. Date 12/31/09 GARRY LANE 2044790 1/21-1/28/10P

CERTIFICATE OF ASSUMED NAME Minnesota Statutes Chapter 333 The filing of an assumed name does not provide a user with exclusive rights to that name. The filing is required for consumer protection in order to enable consumers to be able to identify the true owner of a business. 1. State the exact assumed name under which the business is or will be conducted: DJ KOOL AYD 2. State the address of the principal place of business: 1609 W County Rd 42, Suite 288, Burnsville, MN 55306 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address. Garry Lane, 2700 Selkirk Dr #302D, Burnsville, MN 55337 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath. Date 12/31/09 GARRY LANE, OWNER 2044778 1/21-1/28/10P

PUBLIC NOTICE

MINNESOTA SECRETARY OF STATE CERTIFICATE OF ASSUMED NAME Minnesota Statutes Chapter 333 The filing of an assumed name does not provide a user with exclusive rights to that name. The filing is required for consumer protection in order to enable consumers to be able to identify the true owner of a business. 1. State the exact assumed name under which the business is or will be conducted: Naked Truth Fitness 2. State the address of the principal place of business: 7824 Charles Way, Inver Grove Heights, Mn 55076-3015 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address. Tammy D. Dian, 7824 Charles Way, Inver Grove Heights, Mn 55076-3015 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath. Date 01/04/2010 Tammy D. Dian Certified Personal Trainer 2048620 1/28-2/4/10P

CERTIFICATE OF ASSUMED NAME Minnesota Statutes Chapter 333 The filing of an assumed name does not provide a user with exclusive rights to that name. The filing is required for consumer protection in order to enable consumers to be able to identify the true owner of a business. 1. State the exact assumed name under which the business is or will be conducted: Betsy Landon Custom Jewelry 2. State the address of the principal place of business: 1847 Red Fox Road, Eagan, MN 55122 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address. Elizabeth (Betsy) Landon, 1847 Red Fox Road, Eagan, MN 55122 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath. Date 12/3/2007 Elizabeth Landon 2053212 1/28-2/4/10P

PUBLIC NOTICE

MINNESOTA SECRETARY OF STATE CERTIFICATE OF ASSUMED NAME Minnesota Statutes Chapter 333 The filing of an assumed name does not provide a user with exclusive rights to that name. The filing is required for consumer protection in order to enable consumers to be able to identify the true owner of a business. 1. State the exact assumed name under which the business is or will be conducted: Custom Coffee Products 2. State the address of the principal place of business: 13490 Guild Ave., Apple Valley, MN 55124 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address. Fundraising Cards LLC, 13490 Guild Ave., Apple Valley, MN 55124 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath. Date 1/14/10 Jeff P. Crepeau, Director of Sales 2052935 1/28-2/4/10P

PUBLIC NOTICE PUBLIC NOTICE

NOTICE OF INFORMAL PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT PROBATE DIVISION FIRST JUDICIAL DISTRICT Court File No. 19HA-PR-10-24 ESTATE OF Ivan Edward Sanderson also known as Ivan E. Sanderson, DECEDENT Notice is given that an application for informal probate of the Decedent’s will dated March 27, 2000, has been filed with the Registrar. The application has been granted. Notice is also given that the Registrar has informally appointed Anne Rae Sanderson whose address is: 1776 Diane Road, Mendota Heights, MN 55118 as personal representative of the Estate of the Decedent. Any heir, devisee or other interested person may be entitled to appointment as personal representative or may object to the appointment of the personal representative. Unless objections are filed with the Court (pursuant to Minn. Stat. 524.3-607) and the Court otherwise orders, the personal representative has full power to administer the Estate including, after 30 days from the date of issuance of letters, the power to sell, encumber, lease or distribute real estate. Any objections to the probate of the will or appointment of the Personal Representative must be filed with this Court and will be heard by the Court after the filing of an appropriate petition and proper notice of hearing. Notice is also given that (subject to Minn. 524.3-801) all creditors having claims against the Estate are required to present the claims to the personal representative or to the Court Administrator within four months after the date of this Notice or the claims will be barred. Date 1/14/10 Carol M. Renn Registrar By: Joann Bauer Deputy Registrar Attorney For Personal Representative William J. Brody Fredrikson & Byron, P.A. 200 South Sixth Street #4000 Minneapolis, MN 55402 612/492-7000 phone 612/492-7077 fax 11770 2044335 1/21-1/28/10

NOTICE AND ORDER OF HEARING ON PETITION FOR PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA FIRST JUDICIAL DISTRICT DISTRICT COURT PROBATE DIVISION Court File No. 19HA-PR-10-42 Estate of Donald F. Pitt, Decedent It is Ordered and Notice is given that on February 22, 2010, at 9:00 am, a hearing will be held in this Court at 1560 Highway 55, Hastings, Minnesota, for the formal probate of an instrument purporting to be the Will of the Decedent dated, October 17, 2006, (”Will”), and for the appointment of John L. Roe, whose address is 1451 Park Terrace Avenue, Lake Havasu City, AZ, 86404 as Personal Representative of the Estate of the Decedent in an UNSUPERVISED administration. Any objections to the petition must be filed with the Court prior to or raised at the hearing. If proper and if no objections are filed or raised, the Personal Representative will be appointed with full power to administer the Estate including the power to collect all assets, to pay all legal debts, claims, taxes and expenses, to sell real and personal property, and to do all necessary acts for the Estate. Notice is also given that (subject to Minn. Stat. 524.3-801) all creditors having claims against the Estate are required to present the claims to the Personal Representative or to the Court Administrator within four months after the date of this Notice or the claims will be barred. Dated: 1/22/10 BY THE COURT Karen Asphaug Judge of District Court (COURT SEAL) Attorney for Petitioner Jan M. Zender Sunde, Olson, Kircher & Zender 108 Armstrong Blvd. South, P.O. Box 506 St. James, MN, 56081 Attorney License No: 169493 Telephone: (507) 375-3352 FAX: (507) 375-4483 Email: jzender@cccinternet.net 2053120 1/28-2/4/10

CERTIFICATE OF ASSUMED NAME Minnesota Statutes Chapter 333 The filing of an assumed name does not provide a user with exclusive rights to that name. The filing is required for consumer protection in order to enable consumers to be able to identify the true owner of a business. 1. State the exact assumed name under which the business is or will be conducted: Fundraising Together 2. State the address of the principal place of business: 13490 Guild Ave., Apple Valley, MN 55124 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address. Fundraising Cards LLC, 13490 Guild Ave., Apple Valley, MN 55124 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath. Date 1/14/10 Jeff P. Crepeau, Director of Sales 2052985 1/28-2/4/10P

PUBLIC NOTICE

MINNESOTA SECRETARY OF STATE CERTIFICATE OF ASSUMED NAME Minnesota Statutes Chapter 333 The filing of an assumed name does not provide a user with exclusive rights to that name. The filing is required for consumer protection in order to enable consumers to be able to identify the true owner of a business. 1. State the exact assumed name under which the business is or will be conducted: Blue Beech Design 2. State the address of the principal place of business: 19470 Ireland Way, Lakeville, MN 55044 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address. Elizabeth Spedaliere, 19470 Ireland Way, Lakeville, MN 55044 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath. Date January 12, 2010 Elizabeth Spedaliere, Owner 2051935 1/28-2/4/10P

PUBLIC NOTICE

ORDER AND NOTICE OF HEARING ON PETITION FOR FORMAL PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE IN UNSUPERVISED ADMINISTRATION AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT PROBATE DIVISION Court File No. 19HA-PR-10-37 In Re: Estate of James R. Adams, aka James Robert Adams, Deceased TO ALL INTERESTED PERSONS AND CREDITORS: It is Ordered and Notice is hereby given that on the 8th day of March 2010, at 9:00 o’clock A.M., a hearing will be held in the above named Court at 1560 West Highway 55, Hastings, Minnesota, for the formal probate of an instrument purporting to be the will of the above named deceased, dated December 20, 2006, and for the appointment of Laurel J. Kloskin, whose address is 2057 Garnet Lane, Eagan, MN 55122 as personal representative of the estate of the above named decedent in unsupervised administration, and that any objections thereto must be filed with the Court. That, if proper, and no objections are filed, a personal representative will be appointed to administer the estate, to collect all assets, pay all legal debts, claims, taxes and expenses, and sell real and personal property, and do all necessary acts for the estate. Notice is further given that ALL CREDITORS having claims against said estate are required to present the same to said personal representative or the the Court Administrator within four months after the date of this notice or said claims will be barred. Dated: 1/21/10 David L. Knutson Judge (COURT SEAL) P. James Taurinskas Attorney I.D. #108480 633 So. Concord St., #320 P.O. Box 605 South St. Paul, MN 55075 651-451-9743 2051671 1/28-2/4/10

��

�� the �� or before which the mort date on �� gagor(s) must vacate the property if the ��

PUBLIC NOTICE

NOTICE AND ORDER FOR HEARING ON PETITION FOR DESCENT OF PROPERTY STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT PROBATE DIVISION FIRST JUDICIAL DISTRICT Court File No. 19HA-PR-10-19 ESTATE OF Laura Hinz, a/k/a Laura L. Hinz, a/k/a Laura Lee Hinz f/k/a Laura L. Ammerman, DECEDENT A Petition for Determination of Descent has been filed with this Court. The Petition represents that the Decedent died more than three years ago, leaving property in Minnesota and requests the probate of Decedent’s last will, if any, and the descent of such property be determined and assigned by this Court to the persons entitled to the property. Any objections to the Petition must be filed with the Court prior to or raised at the hearing. If proper, and no objections are filed or raised, the Petition may be granted. IT IS ORDERED and Notice is further given, that the Petition will be heard on 2-8-2010 at 9:00 a.m. by this Court at Dakota County Government Center, 1560 Highway 55, Hastings, Minnesota. (1) Notice shall be given to all interested persons (Minn. Stat. 524.1-401) and persons who have filed a demand for notice pursuant to Minn. Stat. 524.3-204. (2) Notice shall be given by publishing the Notice and Order as provided by law and by: Mailing a copy of this Notice and Order at least 14 days prior to the hearing date. Date 1/13/10 Patrice Sutherland Judge (COURT SEAL) Attorney For Petitioner William J. Markert. Jr. (skr) FLUEGEL LAW FIRM P.A. 1303 South Frontage Road Suite 5 Hastings, MN 55033 P: (651) 438-7777 / F: (651) 438-9775 Atty. Reg. #0388653 2042009 1/21-1/28/10

PUBLIC NOTICE

mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 18, 2010 . MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 11, 2009. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7278 1766484050 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2019474 12/24/09-1/28/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 3 0 , 2004 MORTGAGOR: L o r r a i n e G i v e n s , a single person. MORTGAGEE: First Franklin Financial Corporation. DATE AND PLACE OF RECORDING: R e c o r d e d A u g u s t 5 , 2004, Dakota County Recorder, Document No. 2234520. ASSIGNMENTS OF MORTGAGE: Assigned to: PNC Bank, National Association, as successor by merger to National City Bank, Dated: July 1, 2008, Recorded: September 24, 2008, Document No 2614403. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Franklin Financial Corporation RESIDENTIAL MORTGAGE SERVICER: Home Loan Services, Inc. MORTGAGED PROPERTY ADDRESS: 913 Pine Street, Farmington, MN 55024 TAX PARCEL I.D. #: 14-30200-100-02 LEGAL DESCRIPTION OF PROPERTY: Lot 10, Block 2, Glenview Townhomes & Commercial, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $127,900.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $146,100.08 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 17, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 17, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E

P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 17, 2009. PNC Bank, National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 76-2663 1044311041 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2019545 12/24/09-1/28/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: July 25, 2005 MORTGAGORS: William J. McMahon and Margaret A. McMahon, husband and wife. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded August 17, 2005, Dakota County Recorder, Document No. 2351918, as corrected by order recorded: December 28, 2009 as doc. # 2704728. ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: December 23, 2009. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100146850105032628 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Orangeburg National Bank RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 100 7th Street, Farmington, MN 55024 TAX PARCEL I.D. #: 14-20600-080-02 LEGAL DESCRIPTION OF PROPERTY: Lot 7 and the East 30 Feet of Lot 8, Block 2, of C. M. Dittman's Addition to Farmington, according to the plat thereof on file or of Record in the Office of the County Recorder in and for Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $155,200.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $160,960.97 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 18, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 20, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 12, 2010. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2221 2002992351 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2052795 1/28-3/4/10

PUBLIC NOTICE

NOTICE OF CANCELLATION OF CONTRACT FOR DEED YOU ARE NOTIFIED: 1. Default has occurred in the Contract for Deed (”Contract”) dated July 7, 2007 and recorded on December 16, 2008, as Document Number T636801, in the Office of the Registrar of Titles of Dakota County, Minnesota, in which Dean Fjeld and Shannon Fjeld, husband and wife, as seller, sold to Tori Kidwell & Joshua Harris, as joint tenants, as purchaser, the real property in Dakota County, Minnesota, described as follows: Lot 3, Block 6, Lakeridge Addition 2. The default is as follows: Failure to make the February 5, 2009 balloon payment of $203,714.06 plus accrued interest & late charges. Failure to make monthly payments for 11 months totaling $17,040.32 through January, 2009. 3. For contracts executed after August 1, 1976, and prior to August 1, 1985, the purchase price was _________ Dollars ($_______________) and the amount of the purchase price paid by the purchaser is ______________________ Dollars ($________________), which is __________% of the purchase price, as calculated in the manner required by Minn. Stat. 559.21, subd. 1e. 4. The conditions contained in Minn. Stat. 559.209 have been complied with or are not applicable. 5. THIS NOTICE IS TO INFORM YOU THAT BY THIS NOTICE THE SELLER HAS BEGUN PROCEEDINGS UNDER MINNESOTA STATUTES, SECTION 559.21, TO TERMINATE YOUR CONTRACT FOR THE PURCHASE OF YOUR PROPERTY FOR THE REASONS SPECIFIED IN THIS NOTICE. THE CONTRACT WILL TERMINATE 90 DAYS AFTER THE FIRST PUBLICATION OF THIS NOTICE UNLESS BEFORE THEN: (a). THE PERSON AUTHORIZED IN THIS NOTICE TO RECEIVE PAYMENTS RECEIVES FROM YOU: (1.) THE AMOUNT THIS NOTICE SAYS YOU OWE; PLUS (2.) THE COSTS OF SERVICE (TO BE SENT TO YOU); PLUS (3.) $250.00 TO APPLY TO ATTORNEYS’ FEES ACTUALLY EXPENDED OR INCURRED; PLUS (4.) FOR CONTRACTS EXECUTED ON OR AFTER MAY 1, 1980, ANY ADDITIONAL PAYMENTS BECOMING DUE UNDER THE CONTRACT TO THE SELLER AFTER THIS NOTICE WAS SERVED ON YOU; PLUS (5.) FOR CONTRACTS, OTHER THAN EARNEST MONEY CONTRACTS, PURCHASE AGREEMENTS, AND EXERCISED OPTIONS, EXECUTED ON OR AFTER AUGUST 1, 1985, $340.80 (WHICH IS TWO PERCENT OF THE AMOUNT IN DEFAULT AT THE TIME OF SERVICE OTHER THAN THE FINAL BALLOON PAYMENT, ANY TAXES, ASSESSMENTS, MORTGAGES, OR PRIOR CONTRACTS THAT ARE ASSUMED BY YOU); OR (b.) YOU SECURE FROM A COUNTY OR DISTRICT COURT AN ORDER THAT THE TERMINATION OF THE CONTRACT BE SUSPENDED UNTIL YOUR CLAIMS OR DEFENSES ARE FINALLY DISPOSED OF BY TRIAL, HEARING OR SETTLEMENT. YOUR ACTION MUST SPECIFICALLY STATE THOSE FACTS AND GROUNDS THAT DEMONSTRATE YOUR CLAIMS OR DEFENSES. IF YOU DO NOT DO ONE OR THE OTHER OF THE ABOVE THINGS WITHIN THE TIME PERIOD SPECIFIED IN THIS NOTICE, YOUR CONTRACT WILL TERMINATE AT THE END OF THE PERIOD AND YOU WILL LOSE ALL THE MONEY YOU HAVE PAID ON THE CONTRACT; YOU WILL LOSE YOUR RIGHT TO POSSESSION OF THE PROPERTY; YOU MAY LOSE YOUR RIGHT TO ASSERT ANY CLAIMS OR DEFENSES THAT YOU MIGHT HAVE; AND YOU WILL BE EVICTED. IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE, CONTACT AN ATTORNEY IMMEDIATELY. 6. The name, mailing address, street address or location and telephone number of the seller or of an attorney authorized by the seller to accept payments pursuant to this notice is: David J. Schoenecker 3109 Hennepin Avenue South Minneapolis, Minnesota 55408 Street Address or Location where the Seller or the Attorney will accept payment pursuant to this notice: 3109 Hennepin Ave. S., Minneapolis, Minnesota 55408 Telephone: (612) 827-6619 This person is authorized to receive the payments from you under this notice. 2040431 1/21-2/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 14, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $218,720.00 MORTGAGOR(S): Josephine Musoke, a married person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: July 26, 2006 Dakota County Recorder Document Number: 2448372 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100025440003214134 Lender or Broker: Lehman Brothers Bank, FSB

Bank, FSB Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1600 W 139th St, Burnsville, MN 55337-4368 Tax Parcel ID Number: 02-15379-120-04 LEGAL DESCRIPTION OF PROPERTY: Lot 12, Block 4, Burnhaven Woods Plat Three AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $240,037.54 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 11, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 11, 2010, or the next business day if August 11, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 24, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 001878F02 2016995 12/24/09-1/28/10

PUBLIC NOTICE

or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 18, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 18, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 16, 2009. U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-466 6003221055 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2019392 12/24/09-1/28/10

PUBLIC NOTICE

��

personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 16, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 16, 2009. U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-577 9900135544 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2019415 12/24/09-1/28/10

PUBLIC NOTICE

THE MORTGAGOR S PERSONAL REP RESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 14, 2009. Wells Fargo Bank, N.A., as Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-782 96541075 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2019364 12/24/09-1/28/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: May 24, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $167,200.00 MORTGAGOR(S): Ryan P. Dugan, Single MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: June 11, 2007 Dakota County Recorder Document Number: 2523306 ASSIGNMENTS OF MORTGAGE: And assigned to: Nationstar Mortgage, LLC Dated: April 15, 2009 Recorded: May 01, 2009 Dakota County Recorder Document Number: 2654006 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100062604740310778 Lender or Broker: Homecomings Financial, LLC (f/k/a Homecomings Financial Network, Inc.) Residential Mortgage Servicer: Nationstar Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 7803 Glenda Ct, Saint Paul, MN 55124-7416 Tax Parcel ID Number: 011640420001 LEGAL DESCRIPTION OF PROPERTY: Lot 20, Block 1, Carrollwood Village Fifth Addition, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $202,253.12 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 15, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 15, 2010, or the next business day if September 15, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 28, 2010 ASSIGNEE OF MORTGAGEE: Nationstar Mortgage, LLC Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 001074F01 2053933 1/28-3/4/10

��

PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: April 30, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $292,480.00 MORTGAGOR(S): Thomas R. Heine, a single person and Rachel R. Frandrup, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: May 14, 2007 Dakota County Recorder Document Number: 2516996 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100062604723618155 Lender or Broker: Homecomings Financial, LLC fka Homecomings Financial Network, Inc. Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 17748 Galery Dr, Lakeville, MN 55044 Tax Parcel ID Number: 22-18601-020-06 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 6, Crossroads 2nd Addition, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $292,967.15 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 05, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 04, 2010, or the next business day if September 04, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 12, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009799F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for January 05, 2010 at 10:00 AM has been postponed to February 04, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: January 05, 2010 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for February 04, 2010 at 10:00 AM has been postponed to March 04, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: February 04, 2010 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009799F01 2054011 1/28/10

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 2 2 , 2004 MORTGAGORS: Carlos D. Rocha and Fabiola V. Rocha, husband and wife. MORTGAGEE: Mortgage Electronic Registration Systems, Inc.. DATE AND PLACE OF RECORDING: Recorded November 23, 2004, Dakota County Recorder, Document No. 2270180. ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: October 29, 2009. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100060677002380376 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Greenacres Mortgage RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 14130 Crocus Way, Rosemount, MN 55068 TAX PARCEL I.D.#: 34-67429-140-02 LEGAL DESCRIPTION OF PROPERTY: Lot 14, Block 2, Shannon Hills 5th Addition. Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $186,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $117,205.84 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: November 5, 2009. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2679 2002350009 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until March 25, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: January 21, 2010. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2679 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2051406 1/28/10

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: April 12, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $140,000.00 MORTGAGOR(S): Larry S. Maras and Kathleen A. Maras, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: May 01, 2006 Dakota County Recorder Document Number: 2424491 DATE AND PLACE OF REGISTERING: Registered: August 05, 2009 Dakota County Registrar of Titles Document Number: T648649 LOAN MODIFICATION: Dated: July 10, 2008 Recorded: May 11, 2009 Document Number: 2655814 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100224640000239138 Lender or Broker: Ownit Mortgage Solutions, Inc. Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 104197 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 2316 Williams Dr, Burnsville, MN 55337-1901 Tax Parcel ID Number: 02-21020-080-01 LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 1, CIC No. 126, Donnays, Burnsville Heights, Dakota County, Minnesota. (Abstract) And That part of Lot Eight (8) Block One (1), Donnays Burnsville Heights, Common Interest Community Number 126, a planned community, located in the County of Dakota, State of Minnesota, lying Southerly of the following described line: Beginning at a point on the East line of the East Half of the East Half of the West Half (E. line of the E 1/2 of the E 1/2 of W 1/2), of Section 14, Township 115 North, Range 21 West, Dakota County, Minnesota, distant 1544.00 feet South of the Northeast corner of said East Half of the East Half of the West Half, as measured along said East line; thence S. 71 degrees 40' 00" W, (assuming said East line to bear South) a distance of 577.50 feet and said line there terminating. (Torrens) AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $149,672.02 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that a portion of this property is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 15, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 15, 2010, or the next business day if September 15, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 28, 2010 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006430F01 2053232 1/28-3/4/10

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 03, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $189,090.00 MORTGAGOR(S): Seth A. Weise, an unmarried man MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 31, 2006 Dakota County Recorder Document Number: 2472456 ASSIGNMENTS OF MORTGAGE: And assigned to: Nationstar Mortgage, LLC Dated: November 05, 2009 Recorded: December 09, 2009 Dakota County Recorder Document Number: 2701329 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015901074408204 Lender or Broker: CTX Mortgage Company, LLC Residential Mortgage Servicer: Nationstar Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1925 Sierra Dr, Hastings, MN 55033-4073 Tax Parcel ID Number: 19-58600-502-11 LEGAL DESCRIPTION OF PROPERTY: Unit 1502, Common Interest Community Number 511, a condominium, Prairie Ridge, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $189,975.26 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 25, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 11, 2010, or the next business day if September 11, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 10, 2009 ASSIGNEE OF MORTGAGEE: Nationstar Mortgage, LLC Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010445F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for January 25, 2010 at 10:00 AM has been postponed to March 11, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: January 25, 2010 ASSIGNEE OF MORTGAGEE: Nationstar Mortgage, LLC Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010445F01 2051952 1/28/10

��

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 27, 2003 MORTGAGOR: Charles Macdonald, a single person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded July 10, 2003, Dakota County Recorder, Document No. 2076266. ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: November 3, 2009. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100162500054077103 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Mortgages Unlimited, Inc. RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 1382-1384 East Balsam Street, Eagan, MN 55123 TAX PARCEL I.D.#: 10-84354-060-01 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 1, Wilderness Run Fifth Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $281,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $269,181.55 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 19, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 19, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: November 4, 2009. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6481 1998801994 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until March 9, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: January 20, 2010. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6481 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2048139 1/28/10

PUBLIC NOTICE PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: December 22, 2006 MORTGAGOR: P a u l J o s e p h M a c millan and Beth P. Macmillan, husband and wife. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered February 15, 2007, Dakota County Registrar of Titles, Document No. 606163, Certificate of Title No. 131212 ASSIGNMENTS OF MORTGAGE: Assigned to: Deutsche Bank National Trust Company as Trustee for American Home Mortgage Assets Trust 2007-2 Mortgage-Backed Pass-Through Certificates, Series 2007-2, Dated: December 23, 2009. Said Mortgage Being Upon Registered Land TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100024200015700905 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: American Brokers Conduit RESIDENTIAL MORTGAGE SERVICER: American Home Mortgage Servicing, Inc MORTGAGED PROPERTY ADDRESS: 17351 Jalisco Lane, Lakeville, MN 55044 TAX PARCEL I.D. #: 226410104002 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 2 in Ridgeview Second Addition, according to the recorded plat thereof. The East line of said Ridgeview Second Addition, which is also the east line of the South Half of the Northwest Quarter of Section 7, Township 114, Range 20, is marked by a judicial landmark place on the north-south quarter line of said Section 7, 50 feet north of the center of said section and a judicial landmark placed at the northeast corner of the South half of Northwest Quarter of said Section 7. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $288,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $330,218.76 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 24, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 24, 2010 . MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: January 19, 2010. Deutsche Bank National Trust Company, as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 40-2740 0031560063 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2054669 1/28-3/4/10

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 1 , 2006 MORTGAGOR: Melony M. Schmitz, a single person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded March 22, 2006, Dakota County Recorder, Document No. 2414320. ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: January 12, 2010 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100039279150721689 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Magnus Financial Corporation RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 19987 McKendry Path, Farmington, MN 55024 TAX PARCEL I.D. #: 14-16504-004-07 LEGAL DESCRIPTION OF PROPERTY: Unit No. 2004, CIC No. 328, Charleswood Condominium. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $178,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $183,955.17 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 25, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 27, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 13, 2010. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-3057 2003441949 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2054583 1/28-3/4/10

PUBLIC NOTICE

Corporation, Dated: December 1, 2005, Recorded: December 27, 2005, Document No. 2391758 And thereafter assigned to: PNC Bank, National Association, as successor by merger to National City Bank, Dated: November 25, 2009. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Franklin RESIDENTIAL MORTGAGE SERVICER: Home Loan Services, Inc. MORTGAGED PROPERTY ADDRESS: 15708 Griffon Court, Apple Valley, MN 55124 TAX PARCEL I.D. #: 01-49102-020-04 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 4, Morningview Third Addition, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $148,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $156,619.17 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 16, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 16, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 10, 2009. PNC Bank, National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 76-3542 1044530705 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2019595 12/24/09-1/28/10

PUBLIC NOTICE

VICER: Home Loan Services, Inc. MORTGAGED PROPERTY ADDRESS: 2090 Diffley Road, Eagan, MN 55122 TAX PARCEL I.D. #: 10-16701-130-04 LEGAL DESCRIPTION OF PROPERTY: Lot 13, Block 4, Cedar Grove No. 2, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $216,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $241,244.69 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 17, 2010 at 10:00 AM PLACE OF SALE: Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 17, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 17, 2009. U.S. Bank National Association, Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 76-3081 1044836722 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2019515 12/24/09-1/28/10

PUBLIC NOTICE

or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 18, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 18, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 11, 2009. Provident Funding Associates, L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-1454 9516120069 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2019460 12/24/09-1/28/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: March 09, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $368,000.00 MORTGAGOR(S): Mark J Smith and Shannon M Smith, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: April 11, 2006 Dakota County Recorder Document Number: 2419597 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100261495705642902 Lender or Broker: Great Northern Financial Group, Inc. Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 18609 Esquire Way, Farmington, MN 55024-8643 Tax Parcel ID Number: 14-50503-030-03 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 3, Nelsen Hills Farm 4th Addition, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $421,913.65 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 18, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 18, 2010, or the next business day if August 18, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF

��

THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 31, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011167F01 2026043 12/31/09-2/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: January 26, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $512,000.00 MORTGAGOR(S): Keith C. Vogel, a single man and Brian J. Vogel and Althea Toliver-Vogel, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: February 07, 2007 Dakota County Recorder Document Number: 2494635 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100092047103769210 Lender or Broker: Webster Bank, N.A. Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 9130 250th St E, Hampton, MN 55031-8730 Tax Parcel ID Number: 170240001201 LEGAL DESCRIPTION OF PROPERTY: The East 662 feet of the West 1322 feet of the North H a l f o f t h e Northeast Quarter of Section 24, Township 113, Range 18 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $483,159.96 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 15, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within twelve (12) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on March 15, 2011, or the next business day if March 15, 2011 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 28, 2010 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010556F01 2051713 1/28-3/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: November 08, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $189,000.00 MORTGAGOR(S): Thomas Aegerter and Donna Aegerter, husband and wife, as joint tenants MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: November 30, 2007 Dakota County Recorder Document Number: 2558904 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100062604758105037 Lender or Broker: Homecomings Financial, LLC (K/K/A Homecomings Financial Network, Inc.) Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 359 1st Ave S, South Saint Paul, MN 55075-2604 Tax Parcel ID Number: 36-64300-050-18 LEGAL DESCRIPTION OF PROPERTY: Lots 4 and 5, Block 18 Riverside Park Addition to the City of St. Paul. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $196,701.23 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 15, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 15, 2010, or the next business day if September 15, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 28, 2010 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008076F03 2053321 1/28-3/4/10

PUBLIC NOTICE

TRANSACTION AGENT S MORT GAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: North American Mortgage Company RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 4078 Meadowlark Lane, Eagan, MN 55122 TAX PARCEL I.D. #: 10-32950-005-04 LEGAL DESCRIPTION OF PROPERTY: Unit No. 14078, CIC No. 206, Meadowlark Ridge Townhomes No. 1 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $50,850.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $42,956.54 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 25, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 25, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 17, 2009. JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2684 5942242420 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2019624 12/24/09-1/28/10

PUBLIC NOTICE

MORTGAGE: $198,400.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $206,305.42 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 11, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 11, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 10, 2009. Deutsche Bank National Trust Company, as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 76-3538 1044486279 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2019578 12/24/09-1/28/10

PUBLIC NOTICE

��

U D I C I A L�� S I F A J�� F I V E W E E K�� ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION NOTICE OF 582.032, DETERMINING, AMONG MORTGAGE FORECLOSURE SALE OTHER THINGS, THAT THE THE RIGHT TO VERIFICATION MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL OF THE DEBT AND IDENTITY OF DWELLING OF LESS THAN FIVE THE ORIGINAL CREDITOR WITHIN UNITS, ARE NOT PROPERTY USED THE TIME PROVIDED BY LAW IS IN AGRICULTURAL PRODUCTION, NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that AND ARE ABANDONED." default has occurred in conditions of Dated 12/9/09 the following described mortgage: Attorney for CornerStone State Bank DATE OF MORTGAGE: O c t o b e r 2 5 , Gary L. Monahan (#126214) 2004 Monahan Law Office MORTGAGORS: Randall A. Fennert 419 North Main Street and Melinda R. Fennert, husband and Le Sueur, MN 56058 wife. 507-665-3329 MORTGAGEE: First Franklin FinanPURSUANT TO THE FAIR DEBT C O L L E C T I O N P R A C T I C E S A C T , cial Corporation. DATE AND PLACE OF RECORDING: YOU ARE ADVISED THAT THIS OFFICE IS DEEMED TO BE A DEBT Recorded February 23, 2005, Dakota COLLECTOR. ANY INFORMATION C o u n t y R e c o r d e r , D o c u m e n t N o . OBTAINED WILL BE USED FOR 2297993. ASSIGNMENTS OF MORTGAGE: THAT PURPOSE. This NOTICE is required by the provisions of the Assigned to: U.S. Bank National Association, as successor trustee to Bank Fair Debt Collection PRACTICES Act a n d d o e s n o t i m p l y t h a t w e a r e of America, N. A. as successor by attempting to COLLECT money from merger to LaSalle Bank National Assoanyone who has discharged the debt ciation, as Trustee for Merrill Lynch UNDER the Bankruptcy Laws of the Mortgage Investors Trust, Mortgage Loan Asset-Backed Certificates, Series United States. 2006-FF1, Dated: September 5, 2008, 2010626 12/24/09-1/28/10 Recorded: October 9, 2008, Document No. 2617171. TRANSACTION AGENT: NONE NOTICE OF TRANSACTION AGENT'S MORTMORTGAGE FORECLOSURE SALE GAGE IDENTIFICATION NUMBER ON N O T I C E I S H E R E B Y G I V E N t h a t MORTGAGE: NONE default has occurred in the conditions LENDER OR BROKER AND MORTof the following described mortgage: GAGE ORIGINATOR STATED ON DATE OF MORTGAGE: May 10, 2006 MORTGAGE: First Franklin Financial ORIGINAL PRINCIPAL AMOUNT OF Corporation MORTGAGE: $207,000.00 RESIDENTIAL MORTGAGE SERMORTGAGOR(S): Eric W. Benson and VICER: Home Loan Services, Inc. Lynn E. Benson, husband and wife MORTGAGED PROPERTY ADDRESS: MORTGAGEE: Mortgage Electronic 7955 Grinnell Court West, Lakeville, Registration Systems, Inc. MN 55044 DATE AND PLACE OF RECORDING: TAX PARCEL I.D. #: 222760108010 Recorded: May 24, 2006 Dakota LEGAL DESCRIPTION OF PROPCounty Recorder ERTY: Document Number: 2432166 Lot 8, Block 10, Foxborough 2nd ASSIGNMENTS OF MORTGAGE: Addition, Dakota County, Minnesota. And assigned to: Provident Funding COUNTY IN WHICH PROPERTY IS Associates, L.P. LOCATED: Dakota Dated: December 31, 2009 ORIGINAL PRINCIPAL AMOUNT OF Transaction Agent: Mortgage Elec- MORTGAGE: $152,000.00 tronic Registration Systems, Inc. AMOUNT DUE AND CLAIMED TO BE Transaction Agent Mortgage Identifi- DUE AS OF DATE OF NOTICE, INCLUDcation Number: 100017918160400711 ING TAXES, IF ANY, PAID BY MORTLender or Broker: Provident Fund- GAGEE: $170,635.82 ing Associates, L.P. That prior to the commencement of Residential Mortgage Servicer: Provi- this mortgage foreclosure proceeding dent Funding Associates Mortgagee/Assignee of Mortgagee comMortgage Originator: Not Applicable plied with all notice requirements as COUNTY IN WHICH PROPERTY IS required by statute; That no action or LOCATED: Dakota proceeding has been instituted at law Property Address: 16416 Griffon Trl, o r o t h e r w i s e t o r e c o v e r t h e d e b t Lakeville, MN 55044-9063 secured by said mortgage, or any part T a x P a r c e l I D N u m b e r : thereof; 22-27601-050-02 PURSUANT to the power of sale conL E G A L D E S C R I P T I O N O F P R O P - tained in said mortgage, the above ERTY: Lot 5, Block 2, Foxborough 2nd described property will be sold by the Addition, Dakota County, Minnesota. Sheriff of said county as follows: AMOUNT DUE AND CLAIMED TO BE DATE AND TIME OF SALE: March D U E A S O F D A T E O F N O T I C E : 18, 2010 at 10:00 AM $205,944.48 PLACE OF SALE: S h e r i f f ' s O f f i c e , THAT all pre-foreclosure require- Law Enforcement Center, 1580 Hwy ments have been complied with; that 55, Lobby #S-100, Hastings, MN no action or proceeding has been insti- to pay the debt then secured by said tuted at law or otherwise to recover the Mortgage, and taxes, if any, on said debt secured by said mortgage, or any premises, and the costs and disbursepart thereof; ments, including attorneys' fees PURSUANT to the power of sale con- allowed by law subject to redemption t a i n e d i n s a i d m o r t g a g e , t h e within six (6) months from the date of above-described property will be sold said sale by the mortgagor(s), their by the Sheriff of said county as fol- personal representatives or assigns lows: unless reduced to Five (5) weeks under DATE AND TIME OF SALE: March MN Stat. §580.07. 12, 2010 at 10:00 AM TIME AND DATE TO VACATE PROPPLACE OF SALE: Dakota County E R T Y : I f t h e r e a l e s t a t e i s a n Law Enforcement Center, 1580 High- owner-occupied, single-family dwellway 55, Lobby S-100, Hastings, Minne- ing, unless otherwise provided by law, sota the date on or before which the mortto pay the debt secured by said mortgagor(s) must vacate the property if the gage and taxes, if any, on said pre- mortgage is not reinstated under secmises and the costs and disburse- tion 580.30 or the property is not ments, including attorney fees allowed redeemed under section 580.23 is by law, subject to redemption within 11:59 p.m. on September 20, 2010. six (6) months from the date of said MORTGAGOR(S) RELEASED FROM sale by the mortgagor(s), their per- FINANCIAL OBLIGATION ON MORTsonal representatives or assigns. GAGE: None If the Mortgage is not reinstated "THE TIME ALLOWED BY LAW FOR under Minn. Stat. §580.30 or the prop- REDEMPTION BY THE MORTGAGOR, erty is not redeemed under Minn. Stat. THE MORTGAGOR'S PERSONAL REP§580.23, the Mortgagor must vacate RESENTATIVES OR ASSIGNS, MAY BE the property on or before 11:59 p.m. on REDUCED TO FIVE WEEKS IF A JUDISeptember 12, 2010, or the next busi- CIAL ORDER IS ENTERED UNDER ness day if September 12, 2010 falls on MINNESOTA STATUTES, SECTION a Saturday, Sunday or legal holiday. 582.032, DETERMINING, AMONG Mortgagor(s) released from financial OTHER THINGS, THAT THE MORTobligation: NONE GAGED PREMISES ARE IMPROVED THIS COMMUNICATION IS FROM WITH A RESIDENTIAL DWELLING OF A DEBT COLLECTOR ATTEMPT- LESS THAN FIVE UNITS, ARE NOT ING TO COLLECT A DEBT. ANY PROPERTY USED IN AGRICULTURAL INFORMATION OBTAINED WILL BE P R O D U C T I O N , A N D A R E USED FOR THAT PURPOSE. ABANDONED." THE RIGHT TO VERIFICATION OF Dated: January 19, 2010. THE DEBT AND IDENTITY OF THE U.S. Bank National Association, ORIGINAL CREDITOR WITHIN THE Trustee TIME PROVIDED BY LAW IS NOT Mortgagee/Assignee of Mortgagee AFFECTED BY THIS ACTION. USSET, WEINGARDEN AND LIEBO, P.L.L.P. THE TIME ALLOWED BY LAW FOR By: Paul A. Weingarden REDEMPTION BY THE MORTGAGOR, Attorneys for Mortgagee/Assignee of THE MORTGAGOR'S PERSONAL REP- Mortgagee RESENTATIVES OR ASSIGNS, MAY BE 4500 Park Glen Road #300 REDUCED TO FIVE WEEKS IF A JUDI- Minneapolis, MN 55416 CIAL ORDER IS ENTERED UNDER (952) 925-6888 MINNESOTA STATUTES, SECTION 76-3577 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G 1077000656 OTHER THINGS, THAT THE MORT- THIS IS A COMMUNICATION FROM GAGED PREMISES ARE IMPROVED A DEBT COLLECTOR. WITH A RESIDENTIAL DWELLING OF 2055125 1/28-3/4/10 LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 28, 2010 NOTICE OF ASSIGNEE OF MORTGAGEE: MORTGAGE FORECLOSURE SALE Provident Funding Associates, L.P. THE RIGHT TO VERIFICATION Wilford & Geske, P.A. OF THE DEBT AND IDENTITY OF Attorneys for Assignee of Mortgagee THE ORIGINAL CREDITOR WITHIN Lawrence A. Wilford THE TIME PROVIDED BY LAW IS James A. Geske NOT AFFECTED BY THIS ACTION. 8425 Seasons Parkway, Suite 105 NOTICE IS HEREBY GIVEN, that Woodbury, MN 55125-4393 default has occurred in conditions of (651) 209-3300 the following described mortgage: File Number: 011363F01

PUBLIC NOTICE

2048053

1/28-3/4/10

��

�� gage �� Corporation N/K/A Finance LLC �� the following described mortgage: DATE OF MORTGAGE: November 21, 2003 MORTGAGOR: Mary Jo Vassallo, a single person. MORTGAGEE: Select Mortgage Corporation. DATE AND PLACE OF RECORDING: Recorded February 4, 2004, Dakota County Recorder, Document No. 2171782. ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: November 21, 2003, Recorded: February 4, 2004, Document No. 2171783. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Select Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 14730 Echo Way, Apple Valley, MN 55124 TAX PARCEL I.D. #: 01-20503-030-02 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 2, Diamond Path Fourth Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $216,551.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $215,014.26 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 16, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 16, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 14, 2009. U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-578 7810373076 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2019380 12/24/09-1/28/10

PUBLIC NOTICE

Chase Home

RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 7349 Bond Way, Inver Grove Heights, MN 55076 TAX PARCEL I.D. #: 20-58200-028-03 LEGAL DESCRIPTION OF PROPERTY: Unit No. 28, CIC No. 204, Pinnacle Deckhomes Condominium, a condominium located in Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $145,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $137,974.94 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 18, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 18, 2010 . MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 14, 2009. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7571 1660122531 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2019495 12/24/09-1/28/10

PUBLIC NOTICE

That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 18, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 18, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 16, 2009. U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-628 7810211148 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2019434 12/24/09-1/28/10

PUBLIC NOTICE

within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 4, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 8, 2009. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7465 1911484190 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2016330 12/24/09-1/28/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: December 20, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $348,000.00 MORTGAGOR(S): Patricia Mignone and Albert M Mignone, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: January 10, 2006 Dakota County Registrar of Titles Document Number: 582663 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100261495673239889 Lender or Broker: Great Northern Financial Group, Inc. Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 111946 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 2204 Oakwood Dr, Burnsville, MN 55306-4853 Tax Parcel ID Number: 02-84701-020-01 LEGAL DESCRIPTION OF PROPERTY: Lot Two (2) in Block One (1) of Woodland Hills 2nd Addition according to the plat thereof on file and of record in the Office of the Registrar of Titles in and for said County and State, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $391,608.41 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 18, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 18, 2010, or the next business day if August 18, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER

CIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 31, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011215F01 2026049 12/31/09-2/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 2 , 2002 MORTGAGORS: Joseph Tarnofsky and Elissa L. Tarnofsky, husband and wife. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded December 10, 2002, Dakota County Recorder, Document No. 1969902. ASSIGNMENTS OF MORTGAGE: Assigned to: JPMorgan Chase Bank, National Association, Dated: January 14, 2010 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100054130002954079 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Washington Mutual Bank, FA RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 696 Stonewood Road, Eagan, MN 55123 TAX PARCEL I.D. #: 10-84474-050-01 LEGAL DESCRIPTION OF PROPERTY: Lot 5, Block 1, Windtree 5th Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $267,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $179,891.65 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 25, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 27, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 18, 2010. JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2717 0616913067 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2054784 1/28-3/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 30, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $327,761.00 MORTGAGOR(S): Nathan Erickson, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: July 18, 2006 Dakota County Recorder Document Number: 2446311 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100177700000395129 Lender or Broker: Kleinbank dba Kleinmortgage Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 13225 Galena Way, Apple Valley, MN 55337 Tax Parcel ID Number: 01-73126-080-01 LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 1, Summerfield Townhomes 2nd Addition, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $328,837.72 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 18, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 18, 2010, or the next business day if September 18, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 28, 2010 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 012113F01 2055163 1/28-3/4/10

PUBLIC NOTICE

��

MORTGAGE: American Residential Mortgage, LP RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 8143 Upper 145th Street West, Apple Valley, MN 55124 TAX PARCEL I.D. #: 01-16300-230-03 LEGAL DESCRIPTION OF PROPERTY: Lot 23, Block 3, Carrollton Estates. Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $165,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $155,022.80 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 16, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 16, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 16, 2009. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2826 770242864 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2025060 12/31/09-2/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 19, 1993 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $71,700.00 MORTGAGOR(S): Thomas W Nordstrom and Gretchen J Nordstrom , husband and wife MORTGAGEE: United Mortgage Corporation DATE AND PLACE OF RECORDING: Recorded: October 06, 1993 Dakota County Recorder Document Number: 1157151 ASSIGNMENTS OF MORTGAGE: And assigned to: Bank of America, N.A. fka Bank of America, FSB Dated: November 01, 1994 Recorded: February 06, 1997 Dakota County Recorder Document Number: 1404550 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: United Mortgage Corporation Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 20828 Jacquard Ave, Lakeville, MN 55044-8840 Tax Parcel ID Number: 22-17750-021-01 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 1, Clay's Acres AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $74,966.76 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as fol-

by the Sheriff of said county as fol lows: DATE AND TIME OF SALE: February 16, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 16, 2010, or the next business day if August 16, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 31, 2009 ASSIGNEE OF MORTGAGEE: Bank of America, N.A. fka Bank of America, FSB Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010528F01 2025994 12/31/09-2/4/10

PUBLIC NOTICE

TIME AND DATE TO VACATE PROP ERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 25, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 22, 2009. PNC Bank, National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 4-1884 0003046306 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2025414 12/31/09-2/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN, that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 28, 2006. MORTGAGOR(S): Althea J. Toliver-Vogel, a married person. MORTGAGEE: Bayview Financial Small Business Funding, LLC. DATE AND PLACE OF RECORDING: Filed October 12, 2006, Dakota County Recorder, as Document No. 2467899. ASSIGNMENT(S) OF MORTGAGE: Assigned to Bayview Loan Servicing, LLC, by assignment dated March 15, 2007, recorded April 23, 2007, as Document No. 2511464. The land described in said mortgage is not registered land. MORTGAGE HOLDER (as defined in section 58.02): Transaction Agent: NA. Transaction Agent's Mortgage Identification Number on Mortgage: NA. Lender or Broker: Bayview Loan Servicing, LLC. Residential Mortgage Servicer: NA. MORTGAGE ORIGINATOR (as defined in section 58.02): Bayview Financial Small Business Funding, LLC. MORTGAGED PROPERTY ADDRESS: 411 Marie Ave., St. Paul, MN 55111. TAX PARCEL I.D. NO.: 36-32550-010-09 LEGAL DESCRIPTION OF PROPERTY: The East 39.8 feet of Lot 1, Block 9, Hepburn Park Addition to the City of St. Paul, together with (I) all buildings and improvements located on the property and (II) all machinery, equipment, fixtures and personal property located on the property owned by the mortgagor(s) and used in connection with the operation and occupancy thereof. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota. ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $100,500.00. AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THIS NOTICE: $105,415.02. The holder of the mortgage has complied with all conditions precedent to acceleration of the debt secured by the mortgage and foreclosure of the mortgage and all notice and other requirements of applicable statutes. That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof. PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 23, 2010 at 10:00 a.m. PLACE OF SALE: Dakota County Sheriff's Office, Law Enforcement Center, 1580 Highway 55, Hastings, MN 55033. to pay the debt then secured by said mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None. Dated: January 25, 2010. /s/ Anna C. Mickelson ANNA C. MICKELSON -for-BAYVIEW LOAN SERVICING, LLC, Assignee Atty. I.D. #347814 MURNANE BRANDT Attorneys for Assignee 30 East Seventh Street, Suite 3200 St. Paul, Minnesota 55101 Telephone (651) 227-9411 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1043530 2052814 1/28-3/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 06, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $186,000.00 MORTGAGOR(S): Kathleen M Stein, a single person MORTGAGEE: Bankers Mortgage Company, LLC DATE AND PLACE OF REGISTERING: Registered: July 24, 2003 Dakota County Registrar of Titles Document Number: 0507337 ASSIGNMENTS OF MORTGAGE: And assigned to: TCF Mortgage Corporation Dated: June 06, 2003 Registered: July 24, 2003 Dakota County Registrar of Titles Document Number: 0507338 And assigned to: Mortgage Electronic Registration Systems, Inc. Dated: May 01, 2006 Registered: May 09, 2006 Dakota County Registrar of Titles Document Number: 589806 And assigned to: U.S. Bank National Association Dated: January 19, 2010 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001879913 Lender or Broker: Bankers Mortgage Company, LLC Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 122758 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4729 W Wind Trl, Eagan, MN 55122-3603 Tax Parcel ID Number: 10-56750-080-03 LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 3, Park Ridge, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $127,058.77 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 18, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 18, 2010, or the next business day if September 18, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 28, 2010 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011746F01 2053606 1/28-3/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 30, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $216,000.00 MORTGAGOR(S): Jeffrey J. Frazho and Jennifer Frazho, husband and wife MORTGAGEE: Mortgage Electronic

��

�� MORTGAGEE: Mortgage�� Electronic�� PURSUANT to the �� power of sale con Registration Systems, Inc. tained in said mortgage, the DATE AND PLACE OF RECORDING: above-described property will be sold R e c o r d e d : S e p t e m b e r 2 6 , 2 0 0 5 by the Sheriff of said county as folDakota County Recorder lows: Document Number: 2364173 DATE AND TIME OF SALE: February Transaction Agent: Mortgage Elec- 18, 2010 at 10:00 AM tronic Registration Systems, Inc. PLACE OF SALE: Dakota County Transaction Agent Mortgage Identifi- Law Enforcement Center, 1580 Highcation Number: 100016200000184651 way 55, Lobby S-100, Hastings, MinneLender or Broker: First Mortgage sota Company, LLC to pay the debt secured by said mortR e s i d e n t i a l M o r t g a g e S e r v i c e r : gage and taxes, if any, on said preAurora Loan Services, LLC mises and the costs and disburseMortgage Originator: Not Applicable ments, including attorney fees allowed COUNTY IN WHICH PROPERTY IS by law, subject to redemption within LOCATED: Dakota six (6) months from the date of said Property Address: 8234 166th St W, sale by the mortgagor(s), their perLakeville, MN 55044-6238 sonal representatives or assigns. Tax Parcel ID Number: If the Mortgage is not reinstated 223290107003 under Minn. Stat. §580.30 or the propL E G A L D E S C R I P T I O N O F P R O P - erty is not redeemed under Minn. Stat. ERTY: Lot 7, Block 3, Highview Heights §580.23, the Mortgagor must vacate 2nd Addition the property on or before 11:59 p.m. on AMOUNT DUE AND CLAIMED TO BE August 18, 2010, or the next business D U E A S O F D A T E O F N O T I C E : day if August 18, 2010 falls on a Satur$222,768.71 day, Sunday or legal holiday. THAT all pre-foreclosure requireMortgagor(s) released from financial ments have been complied with; that obligation: NONE no action or proceeding has been instiTHIS COMMUNICATION IS FROM tuted at law or otherwise to recover the A DEBT COLLECTOR ATTEMPTdebt secured by said mortgage, or any ING TO COLLECT A DEBT. ANY part thereof; INFORMATION OBTAINED WILL BE PURSUANT to the power of sale con- USED FOR THAT PURPOSE. tained in said mortgage, the THE RIGHT TO VERIFICATION OF above-described property will be sold THE DEBT AND IDENTITY OF THE by the Sheriff of said county as fol- ORIGINAL CREDITOR WITHIN THE lows: TIME PROVIDED BY LAW IS NOT DATE AND TIME OF SALE: February AFFECTED BY THIS ACTION. 18, 2010 at 10:00 AM THE TIME ALLOWED BY LAW FOR PLACE OF SALE: Dakota County REDEMPTION BY THE MORTGAGOR, Law Enforcement Center, 1580 High- THE MORTGAGOR'S PERSONAL REPway 55, Lobby S-100, Hastings, Minne- RESENTATIVES OR ASSIGNS, MAY BE sota REDUCED TO FIVE WEEKS IF A JUDIto pay the debt secured by said mort- CIAL ORDER IS ENTERED UNDER gage and taxes, if any, on said pre- MINNESOTA STATUTES, SECTION mises and the costs and disburse- 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G ments, including attorney fees allowed OTHER THINGS, THAT THE MORTby law, subject to redemption within GAGED PREMISES ARE IMPROVED six (6) months from the date of said WITH A RESIDENTIAL DWELLING OF sale by the mortgagor(s), their per- LESS THAN FIVE UNITS, ARE NOT sonal representatives or assigns. PROPERTY USED IN AGRICULTURAL If the Mortgage is not reinstated PRODUCTION, AND ARE ABANDONED. DATED: December 31, 2009 under Minn. Stat. §580.30 or the propMORTGAGEE: Mortgage Electronic erty is not redeemed under Minn. Stat. Registration Systems, Inc. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on Wilford & Geske, P.A. August 18, 2010, or the next business Attorneys for Mortgagee day if August 18, 2010 falls on a Satur- Lawrence A. Wilford day, Sunday or legal holiday. James A. Geske Mortgagor(s) released from financial 8425 Seasons Parkway, Suite 105 obligation: NONE Woodbury, MN 55125-4393 THIS COMMUNICATION IS FROM (651) 209-3300 A DEBT COLLECTOR ATTEMPT- File Number: 011312F01 12/31/09-2/4/10 ING TO COLLECT A DEBT. ANY 2026691 INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF NOTICE OF THE DEBT AND IDENTITY OF THE MORTGAGE FORECLOSURE SALE ORIGINAL CREDITOR WITHIN THE HEREBY GIVEN that I S N O T I C E TIME PROVIDED BY LAW IS NOT default has occurred in the conditions AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR of the following described mortgage: DATE OF MORTGAGE: August 24, REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REP- 2007 ORIGINAL PRINCIPAL AMOUNT OF RESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDI- MORTGAGE: $404,000.00 MORTGAGOR(S): Gregory C Schultz CIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION and Christian M Eriksen, husband and 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G wife MORTGAGEE: Mortgage Electronic OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED Registration Systems, Inc. DATE AND PLACE OF RECORDING: WITH A RESIDENTIAL DWELLING OF Recorded: October 10, 2007 Dakota LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL County Recorder Document Number: 2549513 PRODUCTION, AND ARE ABANDONED. ASSIGNMENTS OF MORTGAGE: DATED: December 31, 2009 And assigned to: BAC Home Loans MORTGAGEE: Mortgage Electronic Servicing, L.P. Registration Systems, Inc. Dated: December 21, 2009 Wilford & Geske, P.A. Transaction Agent: Mortgage ElecAttorneys for Mortgagee tronic Registration Systems, Inc. Lawrence A. Wilford Transaction Agent Mortgage IdentifiJames A. Geske cation Number: 100282301000021054 8425 Seasons Parkway, Suite 105 Lender or Broker: General Mortgage Woodbury, MN 55125-4393 Finance Corporation (651) 209-3300 Residential Mortgage Servicer: BAC File Number: 010813F01 Home Loans Servicing, L.P. 2026019 12/31/09-2/4/10 Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4085 137th St W, NOTICE OF Rosemount, MN 55068-3350 MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that Tax Parcel ID Number: default has occurred in the conditions 34-18302-070-08 of the following described mortgage: LEGAL DESCRIPTION OF PROPDATE OF MORTGAGE: October 26, ERTY: Lot 7, Block 8, Country Hills Third Addition, Dakota County, Min2006 ORIGINAL PRINCIPAL AMOUNT OF nesota AMOUNT DUE AND CLAIMED TO BE MORTGAGE: $247,200.00 MORTGAGOR(S): Quinton Edward D U E A S O F D A T E O F N O T I C E : Niska and Michelle M. Niska, Husband $433,800.96 THAT all pre-foreclosure requireand Wife MORTGAGEE: Mortgage Electronic ments have been complied with; that Registration Systems, Inc. no action or proceeding has been instituted at law or otherwise to recover the DATE AND PLACE OF RECORDING: R e c o r d e d : N o v e m b e r 0 1 , 2 0 0 6 debt secured by said mortgage, or any part thereof; Dakota County Recorder Document Number: 2472790 PURSUANT to the power of sale conTransaction Agent: Mortgage Elec- t a i n e d i n s a i d m o r t g a g e , t h e tronic Registration Systems, Inc. above-described property will be sold Transaction Agent Mortgage Identifi- by the Sheriff of said county as follows: cation Number: 100013800909118271 DATE AND TIME OF SALE: February Lender or Broker: GreenPoint Mort16, 2010 at 10:00 AM gage Funding, Inc. PLACE OF SALE: Dakota County Residential Mortgage Servicer: Law Enforcement Center, 1580 HighAurora Loan Services, LLC way 55, Lobby S-100, Hastings, MinneMortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS sota LOCATED: Dakota to pay the debt secured by said mortProperty Address: 16303 Goodview gage and taxes, if any, on said preTrl, Lakeville, MN 55044-8448 mises and the costs and disburseT a x P a r c e l I D N u m b e r : ments, including attorney fees allowed by law, subject to redemption within 22-16653-030-03 L E G A L D E S C R I P T I O N O F P R O P - six (6) months from the date of said ERTY: Lot 3, Block 3, Cedarglen 4th sale by the mortgagor(s), their perAddition, according to the recorded sonal representatives or assigns. plat thereof, and situate in Dakota If the Mortgage is not reinstated County, Minnesota under Minn. Stat. §580.30 or the propAMOUNT DUE AND CLAIMED TO BE erty is not redeemed under Minn. Stat. D U E A S O F D A T E O F N O T I C E : §580.23, the Mortgagor must vacate $277,537.21 the property on or before 11:59 p.m. on THAT all pre-foreclosure require- August 16, 2010, or the next business ments have been complied with; that day if August 16, 2010 falls on a Saturno action or proceeding has been insti- day, Sunday or legal holiday. tuted at law or otherwise to recover the Mortgagor(s) released from financial debt secured by said mortgage, or any obligation: NONE part thereof; PURSUANT to the power of sale con- ��

PUBLIC NOTICE

�� P�� R O D U C�� T I O N , ABANDONED." �� obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 31, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011331F01 2025998 12/31/09-2/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: F e b r u a r y 6 , 2007 MORTGAGOR: Sandra L. Goldsmith, a single person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded February 21, 2007, Dakota County Recorder, Document No. 2498180. ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: December 4, 2009. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100015901074410481 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: CTX Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 19700 Escort Trail, Farmington, MN 55024 TAX PARCEL I.D. #: 14-16600-710-10 LEGAL DESCRIPTION OF PROPERTY: Unit No. 710, Common Interest Community Number 520, a condominium, Charleswood Crossing, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $151,992.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $154,005.73 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 9, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 9, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E

A N D

A R E

Dated: December 8, 2009. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7471 1911311067 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2016749 12/24/09-1/28/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: S e p t e m b e r 23, 2004 MORTGAGORS: Gary Erickson and Cynthia Erickson, husband and wife. MORTGAGEE: T o w n a n d C o u n t r y Credit Corp. DATE AND PLACE OF RECORDING: Recorded December 13, 2004, Dakota County Recorder, Document No. 2275637. ASSIGNMENTS OF MORTGAGE: Assigned to: Mortgage Electronic Registration Systems, Inc., Dated: December 12, 2008, Recorded: January 8, 2009, Document No. 2630002. And thereafter assigned to: JPMC Specialty Mortgage LLC, Dated: January 21, 2010. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Town and Country Credit Corp. RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance, LLC MORTGAGED PROPERTY ADDRESS: 1181 Kittewake Circle, Eagan, MN 55123 TAX PARCEL I.D. #: 10-21900-520-01 LEGAL DESCRIPTION OF PROPERTY: Lot 52, Block 1, Duckwood Estates, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $285,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $313,468.35 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 23, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 23, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 22, 2010. JPMC Specialty Mortgage LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 75-3855 94342227 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2054699 1/28-3/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: July 18, 2003 MORTGAGOR: Kelley Stish, a single person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered August 29, 2003, Dakota County Registrar of Titles, Document No. 0512326, Certificate of Title No. 129100. ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: January 18, 2010. Said Mortgage being Registered Land. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100137510000103756 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Lakeland Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 16625 Javelin Avenue, Lakeville, MN 55044 TAX PARCEL I.D. #: 22-64607-160-04 LEGAL DESCRIPTION OF PROPERTY: Lot 16, Block 4, Rolling Oaks South Plat 8. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $204,534.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $184,702.65 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 25, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on March 25, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 20, 2010. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7772 1998904895 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2054492 1/28-3/4/10

PUBLIC NOTICE

gage Corporation n/k/a/ Chase Home Finance LLC, Dated: April 16, 2001, Recorded: May 1, 2001, Document No. 1770738. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Metro Mortgage Services RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 967 Kettle Creek Road, Eagan, MN 55123 TAX PARCEL I.D. #: 10-45081-050-01 LEGAL DESCRIPTION OF PROPERTY: Lot 5, Block 1, Lexington Square 7th Addition. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $160,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $156,285.17 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 11, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 11, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 7, 2009. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7541 1583389798 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2016689 12/24/09-1/28/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: May 17, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $205,100.00 MORTGAGOR(S): Stephen J Dahlen and Diane S Dahlen, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: June 04, 2007 Dakota County Recorder Document Number: 2521422 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100039219872619407 Lender o r B r o k e r : First Magnus Financial Corporation Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 19943 Langford Ln # 801, Farmington, MN 55024-8423 Tax Parcel ID Number: 14-16504-801-05 LEGAL DESCRIPTION OF PROPERTY: Unit Number 0801, Common Interest Community Number 328, Charleswood Condominium, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $214,437.83 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale con-

PURSUANT to the power of sale con tained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 18, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 18, 2010, or the next business day if August 18, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 31, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011001F01 2026024 12/31/09-2/4/10

PUBLIC NOTICE

MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 23, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 18, 2009. U.S. Bank National Association, Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 38-36 0011303724 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2025120 12/31/09-2/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 3 0 , 2005 MORTGAGOR: M o l l y M c G u i r e , a single person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded October 7, 2005, Dakota County Recorder, Document No. 2368591. ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc, Dated: December 2, 2009. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100038406051226903 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Sirva Mortgage, Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 4418 Jan Echo Trail, Eagan, MN 55122 TAX PARCEL I.D. #: 10-17791-100-02 LEGAL DESCRIPTION OF PROPERTY: Unit 100, Cliff Lake Courthomes, Common Interest Community No. 125 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $157,300.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $158,079.83 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 18, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 18, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORT-

��

OTHER THINGS, THAT THE MORT GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 18, 2009. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2874 2003036649 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2025220 12/31/09-2/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: September 7, 2006 MORTGAGORS: B e r n a r d o O m a n a Burgos and Ana M. Marin Castro, husband and wife. MORTGAGEE: Citicorp Trust Bank, fsb n/k/a CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Registered September 19, 2006, Dakota County Registrar of Titles, Document No. 598035, Certificate of Title No. 133508. ASSIGNMENTS OF MORTGAGE: NONE Said Mortgage being Registered Land. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Citicorp Trust Bank, fsb n/k/a CitiMortgage, Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 5766 142nd Street West, Apple Valley, MN 55124 TAX PARCEL I.D. #: 01-66700-110-05 LEGAL DESCRIPTION OF PROPERTY: Lot 11, Block 5, Scottsbriar 1st Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $276,452.91 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $304,953.50 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 17, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 17, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 12, 2010. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-3010 1120369092 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2055003 1/28-3/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 26, 2007 MORTGAGOR: D a n i e l J . C r o s , a single person. MORTGAGEE: Household Industrial Finance Company. DATE AND PLACE OF RECORDING: Registered December 7, 2007, Dakota County Registrar of Titles, Document No. 621087, Certificate of Title No. 137961. ASSIGNMENTS OF MORTGAGE: NONE Said Mortgage being Registered Land. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Household Industrial Finance Company RESIDENTIAL MORTGAGE SERVICER: HSBC Consumer Lending Mortgage MORTGAGED PROPERTY ADDRESS: 221 Grand Avenue West Unit 305, South Saint Paul, MN 55075 TAX PARCEL I.D. #: 36-72850-305-20 LEGAL DESCRIPTION OF PROPERTY: Unit No. 305, Grand Hill Condominium, Common Interest Community No. 461, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $119,496.29 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $125,912.27 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 25, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 27, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 19, 2010. Household Industrial Finance Company Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 43-433 0017852880 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2055147 1/28-3/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 26, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $120,000.00 MORTGAGOR(S): Aleksey Silenko, an unmarried man MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: July 19, 2007 Dakota County Recorder Document Number: 2531352 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans

And assigned to: BAC Home Loans Servicing, L.P. Dated: December 23, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100020071003644189 Lender or Broker: PHH Home Loans, LLC Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1700 Four Oaks Rd Apt 114, Eagan, MN 55121-1835 Tax Parcel ID Number: 10-18100-114-01 LEGAL DESCRIPTION OF PROPERTY: Unit No. 114, Coachman Oaks Condominium, Dakota County, Minnesota, Condominium File No. 45 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $120,248.47 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 18, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 18, 2010, or the next business day if August 18, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 31, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011440F01 2026028 12/31/09-2/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 16, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $144,000.00 MORTGAGOR(S): Melissa A Chapman wife and Damien Chapman, a.k.a. Damian Chapman, husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: September 14, 2006 Dakota County Recorder Document Number: 2460960 ASSIGNMENTS OF MORTGAGE: And assigned to: SunTrust Mortgage, Inc. Dated: December 23, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100010401446934628 Lender or Broker: Suntrust Mortgage, Inc. Residential Mortgage Servicer: SunTrust Mortgage, Inc. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 13545 Heather Hills Dr, Burnsville, MN 55337-3905 Tax Parcel ID Number: 02-32250-020-06 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 6, Heather Hills First Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $153,349.92 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale con-

PURSUANT to the power of sale con tained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 18, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 18, 2010, or the next business day if August 18, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 31, 2009 ASSIGNEE OF MORTGAGEE: SunTrust Mortgage, Inc. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007969F02 2026709 12/31/09-2/4/10

PUBLIC NOTICE

��

�� owner occupied, single family dwell�� redemption by the�� Mortgagor, the ing, unless otherwise provided by law, Mortgagor's personal representatives, the date on or before which the mort- successors, or assigns is six months gagor(s) must vacate the property if the from the date of said sale. Each holder mortgage is not reinstated under sec- of a junior lien may redeem in the tion 580.30 or the property is not order and manner provided in Minn. redeemed under section 580.23 is Stat. §§ 580.24 and 580.25, beginning after the expiration of the Mortgagor's 11:59 p.m. on August 16, 2010. MORTGAGOR(S) RELEASED FROM redemption period. THE TIME ALLOWED BY LAW FOR FINANCIAL OBLIGATION ON MORTREDEMPTION BY THE MORTGAGOR, GAGE: None "THE TIME ALLOWED BY LAW FOR T H E M O R T G A G O R ' S P E R S O N A L REDEMPTION BY THE MORTGAGOR, REPRESENTATIVES OR ASSIGNS, THE MORTGAGOR'S PERSONAL REP- MAY BE REDUCED TO FIVE WEEKS IF RESENTATIVES OR ASSIGNS, MAY BE A J U D I C I A L O R D E R I S E N T E R E D REDUCED TO FIVE WEEKS IF A JUDI- U N D E R M I N N E S O T A S T A T U T E S , CIAL ORDER IS ENTERED UNDER SECTION 582.032, DETERMINING, MINNESOTA STATUTES, SECTION AMONG OTHER THINGS, THAT THE 582.032, DETERMINING, AMONG M O R T G A G E D P R E M I S E S A R E OTHER THINGS, THAT THE MORT- I M P R O V E D W I T H A R E S I D E N T I A L GAGED PREMISES ARE IMPROVED D W E L L I N G O F L E S S T H A N F I V E WITH A RESIDENTIAL DWELLING OF UNITS, ARE NOT PROPERTY USED IN LESS THAN FIVE UNITS, ARE NOT AGRICULTURAL PRODUCTION, AND PROPERTY USED IN AGRICULTURAL ARE ABANDONED. Dated this 15th day of December, P R O D U C T I O N , A N D A R E 2009 ABANDONED." Dated: December 11, 2009. DON GUDMUNDSON CitiMortgage, Inc. Sheriff of Dakota County Mortgagee/Assignee of Mortgagee By: /s/ Robert Shingledecker USSET, WEINGARDEN AND LIEBO, P.L.L.P. Sheriff By: Paul A. Weingarden FAFINSKI MARK & JOHNSON, P.A. Attorneys for Mortgagee/ Connie A. Lahn, #0269219 Assignee of Mortgagee Christopher J. Knapp, #0344412 4500 Park Glen Road #300 775 Prairie Center Drive, Suite 400 Minneapolis, MN 55416 Eden Prairie, Minnesota 55344 (952) 925-6888 Telephone: 952.995.9500 10-2856 Facsimile: 952.995.9577 ATTORNEYS FOR MARSHALL BANK, 770598859 THIS IS A COMMUNICATION FROM NATIONAL ASSOCIATION 2025093 12/31/09-2/4/10 A DEBT COLLECTOR. 2025208 12/31/09-2/4/10

PUBLIC NOTICE

STATE OF MINNESOTA COUNTY OF DAKOTA CASE TYPE: Breach of Contract/ Foreclosure/Receivership DISTRICT COURT FIRST JUDICIAL DISTRICT Court File: 19HA-CV-09-5572 Judge: Thomas Poch Marshall Bank, National Association, a national banking association, Plaintiff, vs. Jacky Larson, an individual; the Estate of James Larson, a deceased individual; Security State Bank of Howard Lake, a Minnesota corporation; Dakota County, Minnesota; the Minnesota Department of Revenue; Velocity Investments, LLC, a New Jersey limited liability company; Dakota Bluff Financial, LLC, a Minnesota limited liability company; BankCherokee, a Minnesota corporation; and Jane and John Doe, and all other persons unknown claiming any right, title, estate, interest, or lien in the real estate described herein, Defendants. NOTICE OF SHERIFF'S SALE UNDER JUDGMENT AND DECREE REAL PROPERTY ) STATE OF MINNESOTA )ss ) COUNTY OF DAKOTA NOTICE IS HEREBY GIVEN, that under and by virtue of the Findings of Fact, Conclusions of Law and Order for Judgment against among others, Defendants Jacky Larson and th e Estate of James Larson (collectively, "Larson"), dated November 13, 2009, and entered in the above entitled action on November 13, 2009, by the District Court of Dakota County, Minnesota, First Judicial District, ("Judgment") a certified copy of which has been delivered to me, directing the sale of the premises hereinafter described to satisfy the amount found and adjudged due Plaintiff Marshall Bank, National Association ("Marshall"), as mortgagee and lender, in the above entitled action from Larson, the undersigned Sheriff of Dakota County will sell at public auction, to the highest bidder, for cash, on February 10, 2010, at 10:00 a.m., at the Dakota County Sheriff's Office, Law Enforcement Center, 1580 Highway 55, Lobby #S-100, Hastings, Minnesota, 55033, the premises and real estate, lying and being in the County of Dakota, State of Minnesota, described in said Judgment, to wit ("Property"): That Part of Lot 9, Block 1, Berkshire of Burnsville, according to the recorded plat thereof, Dakota County, Minnesota, lying Easterly of the following described line: Commencing at the Southwest Corner of said Lot 9, thence Easterly along the South Line of said Lot 9 a distance of 79.05 feet to the beginning of the line to be described; thence deflecting to the left 99 degrees 15 minutes 25 seconds a distance of 83.77 feet, thence northwesterly to a point to the north line of said Lot 9 distant 30.36 feet Easterly to the Northwest corner of said Lot 9 and said line terminates Property Address: 13831 Echo Park Lane, Burnsville, MN 55337 Property Identification No.: 02-13700-092-01 The Property shall be sold to pay the debt then secured by that certain mortgage executed by James Larson and Jacky Larson, as mortgagor, in favor of Marshall, as mortgagee and lender, dated September 2, 2004, which was recorded against the Property on October 14, 2004 in the Office of the Dakota County Recorder, as Document No. 2257859 ("Mortgage"), the principal amount secured by the Mortgage being $190,000.00. The total amount due and owing on the Mortgage as of the date of this notice is $205,117.39, plus interest, costs, and attorneys' fees that have accrued since the entry of the Judgment, and will continue to accrue. The time allowed by law for redemption by the Mortgagor, the

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: March 12, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $135,000.00 MORTGAGOR(S): Gretchen M. Murr and Thomas E. Murr, Wife and Husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: May 11, 2004 Dakota County Recorder Document Number: 2203280 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100061900000147111 Lender or Broker: Summit Mortgage Corp. Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 233 E Spruce St, South Saint Paul, MN 55075-3526 Tax Parcel ID Number: 36-71500-150-30 LEGAL DESCRIPTION OF PROPERTY: Lot 15, Block 30, Spring Park, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $137,708.79 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 18, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 18, 2010, or the next business day if August 18, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 31, 2009 MORTGAGEE: Mortgage Electronic

��

�� MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011213F01 2026674 12/31/09-2/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 22, 2006 MORTGAGORS: James S. McIntyre and Teresa A. McIntyre, husband and wife. MORTGAGEE: National City Mortgage a division of National City Bank. DATE AND PLACE OF RECORDING: Recorded December 15, 2006, Dakota County Recorder, Document No. 2482260. ASSIGNMENTS OF MORTGAGE: Assigned to: National City Mortgage Co., a subsidiary of National City Bank, Dated: March 15, 2007, Recorded: October 2, 2007, Document No. 2547911. And thereafter assigned to: Mortgage Electronic Registration Systems, Inc, Dated: March 20, 2007, Recorded: October 2, 2007, Document No. 2547912. And thereafter assigned to: PNC Bank, National Association s/b/m to National City Bank, Dated: December 17, 2008, Recorded: January 21, 2009, Document No. 2631790. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: National City Mortgage a division of National City Bank RESIDENTIAL MORTGAGE SERVICER: PNC Bank, National Association MORTGAGED PROPERTY ADDRESS: 4510 Oak Pond Road, Eagan, MN 55123 TAX PARCEL I.D. #: 10-25801-010-02 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 2, Fawn Ridge 2nd Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $187,920.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $205,655.97 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 25, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 27, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: January 21, 2010. PNC Bank, National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 4-1440 0004987600 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2052604 1/28-3/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 2 3 , 2006 MORTGAGOR: Juan J. Mena, a married man. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded October 2, 2006, Dakota County Recorder, Document No. 2465326. ASSIGNMENTS OF MORTGAGE: Assigned to: Bayview Loan Servicing, LLC, Dated: October 26, 2009, Recorded: December 18, 2009, Document No. 2703320. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100382200131362313 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Minnesota Home Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: Bayview Loan Servicing, LLC MORTGAGED PROPERTY ADDRESS: 1 0 1 2 2 n d S t r e e t , F a r m i n g t o n , MN 55024 TAX PARCEL I.D. #: 14-63200-050-02 LEGAL DESCRIPTION OF PROPERTY: Lot 5, Block 2, Rei-Mac Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $192,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $200,796.06 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 25, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 27, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 19, 2010. Bayview Loan Servicing, LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-1478 0000403539 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2054822 1/28-3/4/10

PUBLIC NOTICE

2700156. ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: August 6, 2004, Recorded: September 24, 2004, Document No. 2251784. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Bankers Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 7666-7668 Barbara Court, Inver Grove Heights, MN 55077 TAX PARCEL I.D. #: 20-36400-220-04 LEGAL DESCRIPTION OF PROPERTY: Lot 22, Block 4, Inver Grove Estates, according to the recorded plat thereof. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $237,154.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $234,607.25 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 23, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 23, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 18, 2009. U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-471 7810407171 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2026398 12/31/09-2/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 14, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $119,500.00 MORTGAGOR(S): Steven D Jones and Darla A Jones, husband and wife MORTGAGEE: Postal Credit Union DATE AND PLACE OF REGISTERING: Registered: August 14, 2006 Dakota County Registrar of Titles Document Number: 595921 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Postal Credit Union Residential Mortgage Servicer: Postal Credit Union Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 113556 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 3870 70th St E, Inver Grove Heights, MN 55076-2244 Tax Parcel ID Number: 20-71155-010-01 20-71156-060-00 LEGAL DESCRIPTION OF PROPERTY: Lot A in Block One (1), South Grove No. 6 and Lot F in Block One (1), South Grove No. 7, according to the plat thereof on file or of record in the Office of the Register of Deeds in and for Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $116,724.36

$116,724.36 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 18, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 18, 2010, or the next business day if August 18, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 31, 2009 MORTGAGEE: Postal Credit Union Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011152F01 2026002 12/31/09-2/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 30, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $409,700.00 MORTGAGOR(S): Srinivas Thirunagari and Nagu Meyyappan, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: October 14, 2004 Dakota County Registrar of Titles Document Number: 549983 ASSIGNMENTS OF MORTGAGE: And assigned to: The Bank of New York Mellon fka the Bank of New York as Trustee for the Certificateholders CWALT, Inc. Alternative Loan Trust 2004-J12 Mortgage Pass-through Certificates, Series 2004-J12 Dated: December 18, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100059600059095856 Lender or Broker: Universal American Mortgage Company, LLC Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 144681 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 13518 Crompton Ct, Rosemount, MN 55068-4738 Tax Parcel ID Number: 34-25140-080-04 LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 4, Evermoor Glendalough. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $396,052.23 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 11, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said

six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 11, 2010, or the next business day if August 11, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 24, 2009 ASSIGNEE OF MORTGAGEE: The Bank of New York Mellon fka the Bank of New York as Trustee for the Certificateholders CWALT, Inc. Alternative Loan Trust 2004-J12 Mortgage Pass-through Certificates, Series 2004-J12 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010326F01 2025985 12/31/09-2/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 15, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $86,400.00 MORTGAGOR(S): Amy Golden, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: September 30, 2004 Dakota County Recorder Document Number: 2253524 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100103210000069400 Lender or Broker: Prime Mortgage Corporation Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 12988 Nicollet Ave S Apt 202, Burnsville, MN 55337-3553 Tax Parcel ID Number: 02-01300-688-16 LEGAL DESCRIPTION OF PROPERTY: Apartment Number 202, 12988 Nicollet Avenue South Ridgeview Condominium Homes, Apartment Ownership No. 15, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $82,507.46 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 18, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 18, 2010, or the next business day if August 18, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION

MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 31, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011164F01 2026051 12/31/09-2/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 1 2 , 2005 MORTGAGOR: T h o m a s C l i n e , a single person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded August 23, 2005, Dakota County Recorder, Document No. 2353895. ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc, Dated: November 23, 2009. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100039223350013265 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Magnus Financial Corporation RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 2575 Heritage Drive, Mendota Heights, MN 55120 TAX PARCEL I.D. #: 27-41600-107-04 LEGAL DESCRIPTION OF PROPERTY: Living Unit 107 and Garage Units 130 and 131, Condominium Number 104, Kensington Manor Homes Condominium COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $169,200.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $160,636.72 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 25, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 27, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 8, 2009. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2813 2003131690 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2054976 1/28-3/4/10

��

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 19, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $450,000.00 MORTGAGOR(S): Frank T Martin and Lisa M Martin, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: November 02, 2006 Dakota County Recorder Document Number: 2472933 ASSIGNMENTS OF MORTGAGE: And assigned to: The Bank of New York Mellon fka the Bank of New York as Trustee for the Certificateholders CWABS, Inc., Asset-backed Certificates, Series 2006-20 Dated: December 14, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700062128679 Lender or Broker: Countrywide Home Loans, Inc. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1445 Stickney Ave, South Saint Paul, MN 55075-1045 Tax Parcel ID Number: 36-84100-030-01 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 1, Wilson Heights, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $529,879.89 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 16, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 16, 2010, or the next business day if September 16, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 28, 2010 ASSIGNEE OF MORTGAGEE: The Bank of New York Mellon fka the Bank of New York as Trustee for the Certificateholders CWABS, Inc., Asset-backed Certificates, Series 2006-20 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011015F01 2053790 1/28-3/4/10

PUBLIC NOTICE

2020788. ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: ABN AMRO Mortgage Group, Inc n/k/a CitiMortgage, Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 14859 Embry Path, Apple Valley, MN 55124 TAX PARCEL I.D. #: 01-81450-029-03 LEGAL DESCRIPTION OF PROPERTY: Unit No. 29, together with Garage Unit No. 29A, Valley Way Village Condominium, Condominium File No. 78, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $129,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $87,784.47 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 16, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 16, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 11, 2009. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2245 630852018 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2025182 12/31/09-2/4/10

PUBLIC NOTICE

MORTGAGE: $239,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $261,280.50 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 25, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 25, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 21, 2009. JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-1807 3062249143 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2026489 12/31/09-2/4/10

PUBLIC NOTICE

Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 18, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 18, 2009. U.S. Bank National Association, Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-217 158889206 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2025034 12/31/09-2/4/10

PUBLIC NOTICE

��

�� World ��Savings FINANCIAL OBLIGATION ON MORT �� Mortgage, FSB fka GAGE: None Bank, FSB "THE TIME ALLOWED BY LAW FOR Wilford & Geske, P.A. REDEMPTION BY THE MORTGAGOR, Attorneys for Mortgagee THE MORTGAGOR'S PERSONAL REP- Lawrence A. Wilford RESENTATIVES OR ASSIGNS, MAY BE James A. Geske REDUCED TO FIVE WEEKS IF A JUDI- 8425 Seasons Parkway, Suite 105 CIAL ORDER IS ENTERED UNDER Woodbury, MN 55125-4393 MINNESOTA STATUTES, SECTION (651) 209-3300 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G File Number: 011047F01 1/7-2/11/10 OTHER THINGS, THAT THE MORT- 2029984 GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT NOTICE OF PROPERTY USED IN AGRICULTURAL MORTGAGE FORECLOSURE SALE P R O D U C T I O N , A N D A R E NOTICE IS HEREBY GIVEN that ABANDONED." default has occurred in the conditions Dated: December 18, 2009. of the following described mortgage: CitiMortgage, Inc. DATE OF MORTGAGE: August 01, Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. 2006 ORIGINAL PRINCIPAL AMOUNT OF Attorneys for Mortgagee/ MORTGAGE: $320,000.00 Assignee of Mortgagee MORTGAGOR(S): Paulette H. 4500 Park Glen Road #300 Hjelle-Ranta, a single person Minneapolis, MN 55416 MORTGAGEE: Mortgage Electronic (952) 925-6888 Registration Systems, Inc. 10-2875 DATE AND PLACE OF RECORDING: 649669845 Recorded: August 21, 2006 Dakota THIS IS A COMMUNICATION FROM County Recorder A DEBT COLLECTOR. Document Number: 2455152 2025247 12/31/09-2/4/10 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100013800902730957 NOTICE OF Lender or Broker: GreenPoint MortMORTGAGE FORECLOSURE SALE N O T I C E I S H E R E B Y G I V E N t h a t gage Funding, Inc. default has occurred in the conditions Residential Mortgage Servicer: GMAC of the following described mortgage: Mortgage, LLC DATE OF MORTGAGE: July 31, 2003 Mortgage Originator: Not Applicable ORIGINAL PRINCIPAL AMOUNT OF COUNTY IN WHICH PROPERTY IS MORTGAGE: $198,320.00 LOCATED: Dakota MORTGAGOR(S): Greg Waller and Property Address: 10327 165th St W, Kara J. Waller, husband and wife Lakeville, MN 55044-5638 MORTGAGEE: Wells Fargo Bank, Tax Parcel ID Number: N.A. successor by merger to Wells 22-82200-042-01 Fargo Bank Southwest, N.A. formerly LEGAL DESCRIPTION OF PROPknown as Wachovia Mortgage, FSB fka ERTY: THE EAST HALF OF LOT 4, World Savings Bank, FSB BLOCK 1, VISTA GLEN, COMMON DATE AND PLACE OF RECORDING: INTEREST COMMUNITY NO. 387, Recorded: September 25, 2003 ACCORDING TO THE RECORDED Dakota County Recorder PLAT THEREOF, DAKOTA COUNTY, Document Number: 2115571 MINNESOTA Transaction Agent: Not Applicable AMOUNT DUE AND CLAIMED TO BE Transaction Agent Mortgage Identifi- D U E A S O F D A T E O F N O T I C E : cation Number: Not Applicable $357,476.65 Lender or Broker: Wells Fargo Bank, THAT all pre-foreclosure requireN.A. successor by merger to Wells ments have been complied with; that Fargo Bank Southwest, N.A. formerly no action or proceeding has been instiknown as Wachovia Mortgage, FSB fka tuted at law or otherwise to recover the World Savings Bank, FSB debt secured by said mortgage, or any R e s i d e n t i a l M o r t g a g e S e r v i c e r : part thereof; Wachovia Mortgage, FSB PURSUANT to the power of sale conMortgage Originator: Not Applicable tained in said mortgage, the COUNTY IN WHICH PROPERTY IS above-described property will be sold LOCATED: Dakota by the Sheriff of said county as folProperty Address: 13205 Walnut Dr, lows: Burnsville, MN 55337-3847 DATE AND TIME OF SALE: January T a x P a r c e l I D N u m b e r : 29, 2010 at 10:00 AM 02-17000-010-02 PLACE OF SALE: Dakota County L E G A L D E S C R I P T I O N O F P R O P - Law Enforcement Center, 1580 HighERTY: Lot One (1), Block Two (2), Cha- way 55, Lobby S-100, Hastings, Minneteaulin First Addition sota AMOUNT DUE AND CLAIMED TO BE to pay the debt secured by said mortD U E A S O F D A T E O F N O T I C E : gage and taxes, if any, on said pre$250,512.27 mises and the costs and disburseTHAT all pre-foreclosure requirements, including attorney fees allowed ments have been complied with; that by law, subject to redemption within no action or proceeding has been insti- six (6) months from the date of said tuted at law or otherwise to recover the sale by the mortgagor(s), their perdebt secured by said mortgage, or any sonal representatives or assigns. part thereof; If the Mortgage is not reinstated PURSUANT to the power of sale con- under Minn. Stat. §580.30 or the propt a i n e d i n s a i d m o r t g a g e , t h e erty is not redeemed under Minn. Stat. above-described property will be sold §580.23, the Mortgagor must vacate by the Sheriff of said county as fol- the property on or before 11:59 p.m. on lows: September 01, 2010, or the next busiDATE AND TIME OF SALE: February ness day if September 01, 2010 falls on 19, 2010 at 10:00 AM a Saturday, Sunday or legal holiday. PLACE OF SALE: Dakota County Mortgagor(s) released from financial Law Enforcement Center, 1580 High- obligation: NONE way 55, Lobby S-100, Hastings, MinneTHIS COMMUNICATION IS FROM A sota DEBT COLLECTOR ATTEMPTING TO to pay the debt secured by said mort- COLLECT A DEBT. ANY INFORMAgage and taxes, if any, on said pre- TION OBTAINED WILL BE USED FOR mises and the costs and disburse- THAT PURPOSE. ments, including attorney fees allowed THE RIGHT TO VERIFICATION by law, subject to redemption within OF THE DEBT AND IDENTITY OF six (6) months from the date of said THE ORIGINAL CREDITOR WITHIN sale by the mortgagor(s), their per- THE TIME PROVIDED BY LAW IS sonal representatives or assigns. NOT AFFECTED BY THIS ACTION. If the Mortgage is not reinstated THE TIME ALLOWED BY LAW FOR under Minn. Stat. §580.30 or the prop- REDEMPTION BY THE MORTGAGOR, erty is not redeemed under Minn. Stat. THE MORTGAGOR'S PERSONAL REP§580.23, the Mortgagor must vacate RESENTATIVES OR ASSIGNS, MAY BE the property on or before 11:59 p.m. on REDUCED TO FIVE WEEKS IF A JUDIAugust 19, 2010, or the next business CIAL ORDER IS ENTERED UNDER day if August 19, 2010 falls on a Satur- MINNESOTA STATUTES, SECTION day, Sunday or legal holiday. 582.032, DETERMINING, AMONG Mortgagor(s) released from financial OTHER THINGS, THAT THE MORTobligation: NONE GAGED PREMISES ARE IMPROVED THIS COMMUNICATION IS FROM WITH A RESIDENTIAL DWELLING OF A DEBT COLLECTOR ATTEMPT- LESS THAN FIVE UNITS, ARE NOT ING TO COLLECT A DEBT. ANY PROPERTY USED IN AGRICULTURAL INFORMATION OBTAINED WILL BE PRODUCTION, AND ARE ABANDONED. DATED: December 17, 2009 USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF MORTGAGEE: Mortgage Electronic THE DEBT AND IDENTITY OF THE Registration Systems, Inc. ORIGINAL CREDITOR WITHIN THE Wilford & Geske, P.A. T I M E P R O V I D E D B Y L A W I S N O T Attorneys for Mortgagee AFFECTED BY THIS ACTION. Lawrence A. Wilford THE TIME ALLOWED BY LAW FOR James A. Geske REDEMPTION BY THE MORTGAGOR, 8425 Seasons Parkway, Suite 105 THE MORTGAGOR'S PERSONAL REP- Woodbury, MN 55125-4393 RESENTATIVES OR ASSIGNS, MAY BE (651) 209-3300 REDUCED TO FIVE WEEKS IF A JUDI- File Number: 010718F01 CIAL ORDER IS ENTERED UNDER NOTICE OF POSTPONEMENT OF MINNESOTA STATUTES, SECTION MORTGAGE FORECLOSURE SALE 582.032, DETERMINING, AMONG The above referenced sale scheduled OTHER THINGS, THAT THE MORT- for January 29, 2010 at 10:00 AM has GAGED PREMISES ARE IMPROVED been postponed to March 01, 2010 at WITH A RESIDENTIAL DWELLING OF 10:00 AM in the Dakota County Law LESS THAN FIVE UNITS, ARE NOT Enforcement Center, 1580 Highway 55, PROPERTY USED IN AGRICULTURAL Lobby S-100, Hastings, Minnesota in PRODUCTION, AND ARE ABANDONED. said County and State. DATED: January 07, 2010 DATED: January 29, 2010 MORTGAGEE: Wells Fargo Bank, MORTGAGEE: Mortgage Electronic N.A. successor by merger to Registration Systems, Inc. Wells Fargo Bank Southwest, N.A. Wilford & Geske, P.A. formerly known as Wachovia Attorneys for Mortgagee: Mortgage, FSB fka World Savings Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010718F01 2053972 1/28/10

PUBLIC NOTICE

��

�� None �� LEGAL DESCRIPTION ��

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 20, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $197,000.00 MORTGAGOR(S): Emmanuel Noah, a single person MORTGAGEE: Bremer Bank, National Association DATE AND PLACE OF RECORDING: Recorded: September 18, 2007 Dakota County Recorder Document Number: 2544742 ASSIGNMENTS OF MORTGAGE: And assigned to: Countrywide Bank, FSB Dated: August 20, 2007 Recorded: September 18, 2007 Dakota County Recorder Document Number: 2544743 And assigned to: BAC Home Loans Servicing, L.P. Dated: January 21, 2010 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Bremer Bank, National Association Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 504 13th St, Farmington, MN 55024-1772 Tax Parcel ID Number: 14-22502-090-03 LEGAL DESCRIPTION OF PROPERTY: Lot 9, Block 3, East Farmington Third Addition, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $199,239.91 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 18, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 18, 2010, or the next business day if September 18, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 28, 2010 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011442F01 2053990 1/28-3/4/10

PUBLIC NOTICE

OF PROP-

ERTY: Unit No. 31, Condominium No. 120, Fairway Village, a Condominium, Dakota County, Minnesota. PARCEL ID #: 20 25650 031 04 PROPERTY ADDRESS: 8592 Brinkley Lane, Inver Grove Heights, MN 55076 Transaction Agent: N/A Transaction Agent Id No.: N/A Current Mortgage Servicer: U.S. Bank National Association ND COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $172,700.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY PAID BY MORTGAGEE: $182,675.30 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; that no Mortgagors have been released from financial obligation on said mortgage; that no action or proceeding has been instituted by law to recover that debt secured by said Mortgage, or any part thereof; that all conditions precedent to foreclosure of the Mortgage and acceleration of the debt secures thereby have been fulfilled; PURSUANT to the power of sale therein contained, said Mortgage will be foreclosed and the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 25, 2010 at 10:00 a.m. PLACE OF SALE: Dakota County Law Enforcement Center, Lobby S-100, 1580 Highway 55, Hastings, MN 55033. to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. DATE TO VACATE PROPERTY: T h e date on or before which the mortgagor must vacate the property if the mortgage is not reinstated under Minnesota Statues section 580.30 of the property redeemed under Minnesota Statutes section 580.23 is 8/25/2010 at 11:59 p.m. If the foregoing date is Saturday, Sunday of legal holiday, then the date to vacate is the next business day at 11:59 p.m. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: NONE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF JUDICIAL ORDER IS ENTERED UNDER M I N N E S O T A S T A T U T E S S E C T I ON 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. Dated: January 5, 2010 U.S. Bank National Association ND Kenneth J. Johnson Minnesota State Bar No. 0246074 Johnson, Blumberg & Associates, LLC Attorney for Mortgagee 230 W. Monroe St. Suite 1125 Chicago, Illinois 60606 (312) 541-9710 2031977 1/7-2/11/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTIFY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: September 15, 2006 MORTGAGOR(S): Sonja J. Dauphin, a single person MORTGAGEE: U.S. Bank National Association ND DATE AND PLACE OF RECORDING: Recorded: November 22, 2006 Dakota County Recorder Document #: 2477337 ASSIGNMENTS OF MORTGAGE: None LEGAL DESCRIPTION OF PROPERTY: All that parcel of land in City of E a g a n , D a k o t a C o u n t y , S t a t e of Minnesota, as found in deed Doc. #955381, ID# 10-02900-010-06, being known and designated as commencing at the Northwest corner of the W 1⁄2 of the NE 1⁄4 of Section 29, Township 27, Range 23; thence East along the North line thereof a distance of 244.5 feet to the centerline of Blackhawk Road; thence deflecting 91 degrees 46 minutes right and Southerly, a distance of 478.15 feet; thence deflecting 04 degrees 53 minutes left a distance of 331.85 feet to the point of beginning; thence continuing Southerly along the last described line extended a distance of 246 feet; thence deflecting 86 degrees 53 minutes left a distance of 160.2 feet; thence deflecting 93 degrees 07 minutes left a distance of 257.38 feet; thence deflecting 90 degrees 57 minutes 10 seconds left a distance of 160 feet to the point of beginning, excepting that part of the NW

ning, excepting that part of the NW 1⁄4 of the NE 1⁄4 described as follows: Commencing at the Northwest corner thereof, thence East along the North line thereof 244.5 feet more or less to the center line of the Township road running Southerly through said subdivision, thence Southerly along the center line of said road 920 feet to the point of beginning, thence Southerly along the center line of said road 136 feet, thence East parallel to the North line of said subdivision 160 feet, thence Northerly parallel to the center line of said road 136 feet, thence West parallel to the North line of said subdivision 160 feet to the point of beginning, in Section 29, Township 27, Range 23. PARCEL ID #: 10 02900 010 06 P R O P E R T Y A D D R E S S : 4276 Blackhawk Road, Eagan, MN 55122 Transaction Agent: N/A Transaction Agent Id No.: N/A Current Mortgage Servicer: U.S. Bank National Association ND COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $280,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY PAID BY MORTGAGEE: $299,507.86 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; that no Mortgagors have been released from financial obligation on said mortgage; that no action or proceeding has been instituted by law to recover that debt secured by said Mortgage, or any part thereof; that all conditions precedent to foreclosure of the Mortgage and acceleration of the debt secures thereby have been fulfilled; PURSUANT to the power of sale therein contained, said Mortgage will be foreclosed and the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 25, 2010 at 10:00 a.m. PLACE OF SALE: Dakota County Law Enforcement Center, Lobby S-100, 1580 Highway 55, Hastings, MN 55033. to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. DATE TO VACATE PROPERTY: T h e date on or before which the mortgagor must vacate the property if the mortgage is not reinstated under Minnesota Statues section 580.30 of the property redeemed under Minnesota Statutes section 580.23 is 8/25/2010 at 11:59 p.m. If the foregoing date is Saturday, Sunday of legal holiday, then the date to vacate is the next business day at 11:59 p.m. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: NONE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF JUDICIAL ORDER IS ENTERED UNDER M I N N E S O T A S T A T U T E S S E C T I ON 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. Dated: January 5, 2010 U.S. Bank National Association ND Kenneth J. Johnson Minnesota State Bar No. 0246074 Johnson, Blumberg & Associates, LLC Attorney for Mortgagee 230 W. Monroe St. Suite 1125 Chicago, Illinois 60606 (312) 541-9710 2031958 1/7-2/11/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 11, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $172,000.00 MORTGAGOR(S): Anthony E Wilebski, a single person and Ann M Wendel, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: September 06, 2007 Dakota County Recorder Document Number: 2542326 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association Dated: December 23, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100143500701580164 Lender or Broker: American Mortgage Corporation Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 216 10th Ave S, South Saint Paul, MN 55075-2216 Tax Parcel ID Number: 36-48800-050-07 LEGAL DESCRIPTION OF PROP-

LEGAL DESCRIPTION OF PROP ERTY: Lot 5, Block 7, Minnesota and Northwestern Addition, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $186,669.39 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 25, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 25, 2010, or the next business day if August 25, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 07, 2010 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010743F01 2029189 1/7-2/11/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 11, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $191,200.00 MORTGAGOR(S): Raymond Bender and Lisa M Bender, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: August 29, 2005 Dakota County Registrar of Titles Document Number: 573282 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100177700000385435 Lender or Broker: Kleinbank dba Kleinmortgage Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 132301 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 988 Whitney Dr, Apple Valley, MN 55124-9186 Tax Parcel ID Number: 01-11706-030-08 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 8, Apple Valley Seventh Addition, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $189,601.73 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 25, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

sonal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 25, 2010, or the next business day if August 25, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 07, 2010 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011448F01 2029626 1/7-2/11/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 25, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $240,000.00 MORTGAGOR(S): Scott Frykholm, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 04, 2007 Dakota County Recorder Document Number: 2548362 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association Dated: December 17, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100137510000304560 Lender or Broker: Lakeland Mortgage Corporation Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 5310 180th St W, Farmington, MN 55024-9275 Tax Parcel ID Number: 14-19500-330-07 LEGAL DESCRIPTION OF PROPERTY: Lot 33, Block 7, Dakota County Estates, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $255,696.60 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 18, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 18, 2010, or the next business day if August 18, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 07, 2010

DATED: January 07, 2010 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010750F01 2028608 1/7-2/11/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 2 7 , 2006 MORTGAGORS: Michael K. Dahedl and Patti A. Dahedl, husband and wife. MORTGAGEE: T o w n a n d C o u n t r y Credit Corp. DATE AND PLACE OF RECORDING: Recorded April 11, 2006, Dakota County Recorder, Document No. 2419703. ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, National Association, as Trustee for Citigroup Mortgage Loan Trust Inc., Asset-Backed Pass-Through Certificates, Series 2006-HE2, under the Pooling and Servicing Agreement Dated as of August 1, 2006, Dated: February 19, 2009, Recorded: March 4, 2009, Document No. 2641174. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Town and Country Credit Corp. RESIDENTIAL MORTGAGE SERVICER: American Home Mortgage Servicing, Inc MORTGAGED PROPERTY ADDRESS: 203 Lagoon Street West, Vermillion, MN 55085 TAX PARCEL I.D. #: 408210001006 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 6, Village of Vermillion, according to the recorded plat thereof, and situate in Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $200,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $199,143.17 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 18 , 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 20, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 15, 2010. U.S. Bank National Association, Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 40-2959 4001896077 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2054624 1/28-3/4/10

��

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 2 9 , 2004 MORTGAGORS: R i c h e l l e C . W i t h a and Eric J. Sunsdahl, both single. MORTGAGEE: J P M o r g a n C h a s e Bank, National Association as successor in interest to Washington Mutual Bank, FA. DATE AND PLACE OF RECORDING: Recorded November 29, 2004, Dakota County Recorder, Document No. 2271226. ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Washington Mutual Bank, FA RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 17098 Georgetown Way, Rosemount, MN 55068 TAX PARCEL I.D. #: 22-16704-160-06 LEGAL DESCRIPTION OF PROPERTY: Lot 16, Block 6, Cedar Highlands 5th Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $236,175.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $264,991.20 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 16, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 16, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 11, 2010. JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2716 0685841850 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2046861 1/21-2/25/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE TO VERIFICATION RIGHT THE OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 2 , 2005 MORTGAGOR: Jennifer Kessock, a single person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded August 17, 2005, Dakota County Recorder, Document No.

County Recorder, Document No. 2351930. ASSIGNMENTS OF MORTGAGE: Assigned to: Aurora Loan Services, LLC, Dated: December 22, 2009. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100285700000134915 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Winstar Mortgage Partners, Inc. RESIDENTIAL MORTGAGE SERVICER: Aurora Loan Services LLC MORTGAGED PROPERTY ADDRESS: 14734 Embry Path, Apple Valley, MN 55124 TAX PARCEL I.D. #: 01-20505-004-01 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 1, Diamond Path 6th Addition, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $148,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $153,435.53 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 25, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 25, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 30, 2009. Aurora Loan Services LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 98-958 0031524440 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2031607 1/7-2/11/10

PUBLIC NOTICE

1004 Spruce Street, Farmington, MN 55024 TAX PARCEL I.D. #: 142250015009 LEGAL DESCRIPTION OF PROPERTY: Lot 15, Block 9, East Farmington First Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $236,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $265,601.92 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 23, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 23, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 18, 2009. Deutsche Bank National Trust Company, as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 40-2945 0031333321 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2031766 1/7-2/11/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 30, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $150,000.00 MORTGAGOR(S): Ronald C Goldbeck, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 24, 2005 Dakota County Recorder Document Number: 2373907 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100154070001014609 Lender or Broker: American Residential Mortgage, LP. Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 408 Stanley Ave, South Saint Paul, MN 55075-1040 Tax Parcel ID Number: 36-72800-042-03 LEGAL DESCRIPTION OF PROPERTY: That part of Lots 1, 2 & 3 and that part of the Southeasterly 10' of Lot 4 Block 3 Stickney Addition to West St Paul, lying southwesterly of the northeasterly 55' thereof, Dakota County Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $146,676.60 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 25, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minne-

way 55, Lobby S 100, Hastings, Minne sota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 25, 2010, or the next business day if August 25, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 07, 2010 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009847F02 2031120 1/7-2/11/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 03, 1999 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $89,600.00 MORTGAGOR(S): John H Erickson, an unmarried man MORTGAGEE: First Alliance Mortgage Company DATE AND PLACE OF RECORDING: Recorded: July 20, 1999 Dakota County Recorder Document Number: 1622747 ASSIGNMENTS OF MORTGAGE: And assigned to: WMC Mortgage Corp. Dated: February 11, 2000 Recorded: March 28, 2000 Dakota County Recorder Document Number: 1681470 And assigned to: Nations Credit Home Equity Services Corporation Dated: July 21, 1999 Recorded: June 19, 2000 Dakota County Recorder Document Number: 1698575 And assigned to: The Bank of New York Mellon f/k/a The Bank of New York, as Trustee for the holders of the EQCC Asset backed Certificates, Series 2001-1F Dated: November 09, 2001 Recorded: December 23, 2009 Dakota County Recorder Document Number: 2704110 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: First Alliance Mortgage Company Residential Mortgage Servicer: Select Portfolio Servicing Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 7405 162nd St W, Rosemount, MN 55068-1037 Tax Parcel ID Number: 22-21170-020-01 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 1, Donnay's Valley Park, according to the recorded plat thereof. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $41,755.24 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 19, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within twelve (12) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on February 19, 2011, or the next busi-

��

�� February 19, 2011, or the�� next busi�� LESS THAN FIVE UNITS, ARE NOT ness day if February 19, 2011 falls on a PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. Saturday, Sunday or legal holiday. DATED: January 07, 2010 Mortgagor(s) released from financial MORTGAGEE: Wells Fargo Bank, obligation: NONE N.A. successor by merger to THIS COMMUNICATION IS FROM Wells Fargo Bank Southwest, N.A. A DEBT COLLECTOR ATTEMPTformerly known as Wachovia ING TO COLLECT A DEBT. ANY Mortgage, FSB fka World Savings INFORMATION OBTAINED WILL BE Bank, FSB USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF Wilford & Geske, P.A. THE DEBT AND IDENTITY OF THE Attorneys for Mortgagee ORIGINAL CREDITOR WITHIN THE Lawrence A. Wilford T I M E P R O V I D E D B Y L A W I S N O T James A. Geske 8425 Seasons Parkway, Suite 105 AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR Woodbury, MN 55125-4393 REDEMPTION BY THE MORTGAGOR, (651) 209-3300 THE MORTGAGOR'S PERSONAL REP- File Number: 010988F01 1/7-2/11/10 RESENTATIVES OR ASSIGNS, MAY BE 2029215 REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION NOTICE OF 582.032, DETERMINING, AMONG MORTGAGE FORECLOSURE SALE OTHER THINGS, THAT THE MORTTHE RIGHT TO VERIFICATION GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. PRODUCTION, AND ARE ABANDONED. NOTICE IS HEREBY GIVEN, that DATED: January 07, 2010 default has occurred in conditions of ASSIGNEE OF MORTGAGEE: The the following described mortgage: Bank of New York Mellon f/k/a DATE OF MORTGAGE: November 4, The Bank of New York, as Trustee for the holders of the EQCC Asset 2004 MORTGAGOR: Heather Ann Peterbacked Certificates, Series son, a single woman. 2001-1F MORTGAGEE: Mortgage Electronic Wilford & Geske, P.A. Registration Systems, Inc. Attorneys for Assignee of Mortgagee DATE AND PLACE OF RECORDING: Lawrence A. Wilford Registered March 16, 2005, Dakota James A. Geske County Registrar of Titles, Document 8425 Seasons Parkway, Suite 105 No. 560959, Certificate of Title No. Woodbury, MN 55125-4393 129051. (651) 209-3300 ASSIGNMENTS OF MORTGAGE: File Number: 009504F01 2029852 1/7-2/11/10 Assigned to: Bayview Loan Servicing, LLC, Dated: October 7, 2009, Recorded: November 12, 2009, Document No. T653719. Said Mortgage being Registered Land. NOTICE OF TRANSACTION AGENT: Mortgage MORTGAGE FORECLOSURE SALE N O T I C E I S H E R E B Y G I V E N t h a t Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTdefault has occurred in the conditions GAGE IDENTIFICATION NUMBER ON of the following described mortgage: DATE OF MORTGAGE: September MORTGAGE: 100059012560187810 20, 2000 LENDER OR BROKER AND MORTORIGINAL PRINCIPAL AMOUNT OF G A G E O R I G I N A T O R S T A T E D O N MORTGAGE: nBank, N.A. MORTGAGE: $436,000.00 MORTGAGOR(S): Bertha A. Ruiz and RESIDENTIAL MORTGAGE SERVICER: Bayview Loan Servicing, LLC Gilberto M. Ruiz, wife and husband MORTGAGED PROPERTY ADDRESS: MORTGAGEE: Wells Fargo Bank, N.A. successor by merger to Wells 4671 Jackstone Point, Eagan, MN Fargo Bank Southwest, N.A. formerly 55122 known as Wachovia Mortgage, FSB fka TAX PARCEL I.D. #: 10-63983-020-08 LEGAL DESCRIPTION OF PROPWorld Savings Bank, FSB ERTY: DATE AND PLACE OF RECORDING: Recorded: October 20, 2000 Dakota Lot 2, Block 8, Ridgecliffe Fourth Addition, Dakota County, Minnesota County Recorder Document Number: 1725518 COUNTY IN WHICH PROPERTY IS Transaction Agent: Not Applicable LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF Transaction Agent Mortgage Identification Number: Not Applicable MORTGAGE: $136,000.00 Lender or Broker: Wells Fargo Bank, AMOUNT DUE AND CLAIMED TO BE N.A. successor by merger to Wells DUE AS OF DATE OF NOTICE, INCLUDFargo Bank Southwest, N.A. formerly ING TAXES, IF ANY, PAID BY MORTknown as Wachovia Mortgage, FSB fka GAGEE: $141,796.15 That prior to the commencement of World Savings Bank, FSB R e s i d e n t i a l M o r t g a g e S e r v i c e r : this mortgage foreclosure proceeding Wachovia Mortgage, FSB Mortgagee/Assignee of Mortgagee complied with all notice requirements as Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS required by statute; That no action or proceeding has been instituted at law LOCATED: Dakota Property Address: 7910 Guild Ct, o r o t h e r w i s e t o r e c o v e r t h e d e b t Apple Valley, MN 55124-7678 secured by said mortgage, or any part T a x P a r c e l I D N u m b e r : thereof; 01-75951-090-02 PURSUANT to the power of sale conL E G A L D E S C R I P T I O N O F P R O P - tained in said mortgage, the above ERTY: Lot 9, Block 2, The Oaks of described property will be sold by the Apple Valley II, Dakota County, Minne- Sheriff of said county as follows: DATE AND TIME OF SALE: March sota. AMOUNT DUE AND CLAIMED TO BE 25, 2010 at 10:00 AM DUE AS OF DATE OF NOTICE: PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy $337,890.39 THAT all pre-foreclosure require- 55, Lobby #S-100, Hastings, MN ments have been complied with; that to pay the debt then secured by said no action or proceeding has been insti- Mortgage, and taxes, if any, on said tuted at law or otherwise to recover the premises, and the costs and disbursedebt secured by said mortgage, or any m e n t s , i n c l u d i n g a t t o r n e y s ' f e e s allowed by law subject to redemption part thereof; PURSUANT to the power of sale con- within six (6) months from the date of t a i n e d i n s a i d m o r t g a g e , t h e said sale by the mortgagor(s), their above-described property will be sold personal representatives or assigns by the Sheriff of said county as fol- unless reduced to Five (5) weeks under MN Stat. §580.07. lows: TIME AND DATE TO VACATE PROPDATE AND TIME OF SALE: February ERTY: If the real estate is an 22, 2010 at 10:00 AM PLACE OF SALE: Dakota County owner-occupied, single-family dwellLaw Enforcement Center, 1580 High- ing, unless otherwise provided by law, way 55, Lobby S-100, Hastings, Minne- the date on or before which the mortgagor(s) must vacate the property if the sota to pay the debt secured by said mortmortgage is not reinstated under secgage and taxes, if any, on said pre- tion 580.30 or the property is not mises and the costs and disburse- redeemed under section 580.23 is ments, including attorney fees allowed 11:59 p.m. on September 27, 2010. by law, subject to redemption within MORTGAGOR(S) RELEASED FROM six (6) months from the date of said FINANCIAL OBLIGATION ON MORTsale by the mortgagor(s), their per- GAGE: None "THE TIME ALLOWED BY LAW FOR sonal representatives or assigns. If the Mortgage is not reinstated REDEMPTION BY THE MORTGAGOR, under Minn. Stat. §580.30 or the prop- THE MORTGAGOR'S PERSONAL REPerty is not redeemed under Minn. Stat. RESENTATIVES OR ASSIGNS, MAY BE §580.23, the Mortgagor must vacate REDUCED TO FIVE WEEKS IF A JUDIthe property on or before 11:59 p.m. on CIAL ORDER IS ENTERED UNDER August 22, 2010, or the next business MINNESOTA STATUTES, SECTION day if August 22, 2010 falls on a Satur- 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G OTHER THINGS, THAT THE MORTday, Sunday or legal holiday. Mortgagor(s) released from financial GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF obligation: NONE THIS COMMUNICATION IS FROM LESS THAN FIVE UNITS, ARE NOT A DEBT COLLECTOR ATTEMPT- PROPERTY USED IN AGRICULTURAL ING TO COLLECT A DEBT. ANY P R O D U C T I O N , A N D A R E INFORMATION OBTAINED WILL BE ABANDONED." Dated: January 19, 2010. USED FOR THAT PURPOSE. Bayview Loan Servicing, LLC THE RIGHT TO VERIFICATION OF Mortgagee/Assignee of Mortgagee THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE USSET, WEINGARDEN AND LIEBO, P.L.L.P. T I M E P R O V I D E D B Y L A W I S N O T By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR Mortgagee REDEMPTION BY THE MORTGAGOR, 4500 Park Glen Road #300 THE MORTGAGOR'S PERSONAL REP- Minneapolis, MN 55416 RESENTATIVES OR ASSIGNS, MAY BE (952) 925-6888 REDUCED TO FIVE WEEKS IF A JUDI- 90-1443 CIAL ORDER IS ENTERED UNDER 0000400668 MINNESOTA STATUTES, SECTION THIS IS A COMMUNICATION FROM 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G A DEBT COLLECTOR. 1/28-3/4/10 OTHER THINGS, THAT THE MORT- 2054928 GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT ��

PUBLIC NOTICE

��

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: November 21, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $320,000.00 MORTGAGOR(S): Douglas J Willenbring, a married person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: December 02, 2005 Dakota County Recorder Document Number: 2385472 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100025440002839410 Lender or Broker: Lehman Brothers Bank, FSB Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 9790 Inver Grove Trl, Inver Grove Heights, MN 55076-3820 Tax Parcel ID Number: 20-73200-270-00 20-02200-020-56 LEGAL DESCRIPTION OF PROPERTY: The North 330 feet of the SE 1/4 of the SW 1/4 of Section 22, Township 27, Range 22, Dakota County, Minnesota, which lies East of County Road No. 77 (formerly County Highway 21 and Old State Trunk Highway No. 53), except the North 170 feet thereof, according to the government suvey thereof, also all of Lots 25, 26, 27 except the North 170 feet thereof, and all of Lot 24, Summit Grove. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $343,441.60 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 04, 2010, or the next business day if September 04, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 10, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007537F02 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for January 28, 2010 at 10:00 AM has been postponed to March 04, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: January 28, 2010 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007537F02 2053820 1/28/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 23, 2004 MORTGAGORS: Cecelio D. Dabu and Joy Dabu, husband and wife, and Elena D. Dabu, a single person. MORTGAGEE: Beneficial Loan and Thrift Co. DATE AND PLACE OF RECORDING: Recorded December 20, 2004, Dakota County Recorder, Document No. 2277776. ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Beneficial Loan and Thrift Co. RESIDENTIAL MORTGAGE SERVICER: HSBC Bank USA, N.A. MORTGAGED PROPERTY ADDRESS: 7090 146th Street West, Apple Valley, MN 55124 TAX PARCEL I.D. #: 01-66503-010-07 LEGAL DESCRIPTION OF PROPERTY: Lot One (1), Block Seven (7), Scott Highlands Fourth Addition, according to the plat thereof on file and of record in the Office of the Reg Ster of Deeds in and for said County. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $169,810.65 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $169,381.26 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 18, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 20, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 19, 2010. Beneficial Loan and Thrift Co. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 43-430 54170200576097 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2055133 1/28-3/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 08, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $198,400.00 MORTGAGOR(S): Bryan Harrison, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: August 09, 2005 Dakota County Recorder Document Number: 2349164 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association Dated: December 23, 2009

Dated: December 23, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100038900010019862 Lender or Broker: Voyager Bank Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 15146 Dunbar Blvd, Apple Valley, MN 55124-6841 Tax Parcel ID Number: 011175010004 LEGAL DESCRIPTION OF PROPERTY: Lot 10, Block 4, AppleValley East, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $196,245.02 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 25, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 25, 2010, or the next business day if August 25, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 07, 2010 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010488F01 2029176 1/7-2/11/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: May 28, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $299,925.00 MORTGAGOR(S): Teresa A Wallesverd, an unmarried woman MORTGAGEE: Wells Fargo Bank, N.A. successor by merger to Wells Fargo Bank Southwest, N.A. formerly known as Wachovia Mortgage, FSB fka World Savings Bank, FSB DATE AND PLACE OF RECORDING: Recorded: June 28, 2004 Dakota County Recorder Document Number: 2220542 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Wells Fargo Bank, N.A. successor by merger to Wells Fargo Bank Southwest, N.A. formerly known as Wachovia Mortgage, FSB fka World Savings Bank, FSB Residential Mortgage Servicer: Wachovia Mortgage, FSB Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 11073 164th St W, Lakeville, MN 55044-9281 Tax Parcel ID Number: 22-00110-014-25 LEGAL DESCRIPTION OF PROPERTY: That part of the South Half (S 1/2) of the Northwest Quarter (NW 1/4) of Section One (1), Township One hundred Fourteen (114), Range Twenty-One (21), Dakota County, Minnesota, described as follows: Commencing at the Northeast Corner of the South 476.20 feet of said South Half (S 1/2) of the Northwest Quarter (NW 1/4); thence North 89 degrees 51 minutes 16 seconds West (assumed bearing) along the North line of said South 476.20 feet a distance of 342.94 feet to the point of beginning of the land to be described: Thence North 66 degrees 55 minutes 15 seconds East a distance of 374.34 feet to the East line of said South Half (S 1/2), of the Northwest

South Half (S 1/2), of the Northwest Quarter (NW 1/4); Thence North 0 degrees 33 minutes 30 seconds East along said East line a distance of 147.38 feet; Thence South 79 degrees 13 minutes 07 seconds West a distance of 501.13 feet, Thence South 0 degree 08 minutes 44 seconds West a distance of 200.00 feet to said North line of the South 476.20 feet; Thence South 89 degrees 51 minutes 16 seconds East along said North line a distance of 146.98 feet to the point of beginning. According to the Government Survey thereof. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $366,759.37 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 22, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 22, 2010, or the next business day if August 22, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 07, 2010 MORTGAGEE: Wells Fargo Bank, N.A. successor by merger to Wells Fargo Bank Southwest, N.A. formerly known as Wachovia Mortgage, FSB fka World Savings Bank, FSB Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011083F01 2029583 1/7-2/11/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 06, 2008 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $265,500.00 MORTGAGOR(S): Wendweson B Semamo and Meseret Zeru, husband and wife MORTGAGEE: Pentagon Federal C.U. DATE AND PLACE OF RECORDING: Recorded: August 15, 2008 Dakota County Recorder Document Number: 2608486 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Pentagon Federal C.U. Residential Mortgage Servicer: Pentagon FCU Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 17597 Foxboro Ln, Farmington, MN 55024-8194 Tax Parcel ID Number: 22-30946-030-05 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 5, Greenridge Second Addition, according to the recorded plat thereof, and situate in Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $273,872.24 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 25, 2010 at 10:00 AM

25, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 25, 2010, or the next business day if August 25, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 07, 2010 MORTGAGEE: Pentagon Federal C.U. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011337F01 2028628 1/7-2/11/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: May 06, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $320,000.00 MORTGAGOR(S): Darrell G. Kulsrud, a single man MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: July 06, 2005 Dakota County Registrar of Titles Document Number: 568946 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 123219400000033190 Lender or Broker: CSMC, Inc. dba Direct Mortgage Funding Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 136637 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 12914 Hialeah Path, Apple Valley, MN 55124-9785 Tax Parcel ID Number: 01-75850-080-01 LEGAL DESCRIPTION OF PROPERTY: Lot Eight (8), Block One (1), The Highlands, according to the recorded plat AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $339,504.14 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 19, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 19, 2010, or the next business day if August 19, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR

THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 07, 2010 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011099F01 2029939 1/7-2/11/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 26, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $256,500.00 MORTGAGOR(S): Ailyna Chantha Khath, a single woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: August 11, 2006 Dakota County Registrar of Titles Document Number: 595842 ASSIGNMENTS OF MORTGAGE: And assigned to: Nationstar Mortgage, LLC Dated: January 11, 2010 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100052550116150763 Lender or Broker: Source Lending Corporation Residential Mortgage Servicer: Nationstar Mortgage, LLC Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 126297 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 16793 Jonquil Trl, Lakeville, MN 55044-9471 Tax Parcel ID Number: 22-64602-080-02 LEGAL DESCRIPTION OF PROPERTY: Lot Eight (8), Block Two (2) in Rolling Oaks South Plat Three, according to the recorded plat thereof, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $282,177.54 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 15, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 15, 2010, or the next business day if September 15, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 28, 2010 ASSIGNEE OF MORTGAGEE: Nationstar Mortgage, LLC Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011923F01 2051850 1/28-3/4/10

��

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 1 4 , 2005 MORTGAGOR: I g o r N . K a r p i c h , a single man. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded July 14, 2005, Dakota County Recorder, Document No. 2340008. ASSIGNMENTS OF MORTGAGE: Assigned to: Bayview Loan Servicing, LLC, Dated: October 7, 2009, Recorded: November 12, 2009, Document No. 2696114. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100015901074384983 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: CTX Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: Bayview Loan Servicing, LLC MORTGAGED PROPERTY ADDRESS: 15620 Echo Ridge Road, Apple Valley, MN 55124 TAX PARCEL I.D. #: 01-18052-004-31 LEGAL DESCRIPTION OF PROPERTY: Unit No. 1004, CIC Number 484, A Condominium, Legacy Homes at Cobblestone Lake North Shore, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $166,492.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $177,260.38 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 25, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 27, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 19, 2010. Bayview Loan Servicing, LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-1444 0000400951 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2054886 1/28-3/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 18, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $184,350.00 MORTGAGOR(S): Tracy M. Hollstadt, a single person MORTGAGEE: Homeservices Lending, LLC DATE AND PLACE OF REGISTERING: Registered: October 08, 2003 Dakota

Registered: October 08, 2003 Dakota County Registrar of Titles Document Number: 517112 ASSIGNMENTS OF MORTGAGE: And assigned to: Wells Fargo Bank, N.A., successor by merger to Wells Fargo Home Mortgage, Inc. Dated: August 18, 2003 Registered: October 08, 2003 Dakota County Registrar of Titles Document Number: 517113 And assigned to: Mortgage Electronic Registration Systems, Inc. Dated: September 14, 2004 Registered: November 12, 2004 Dakota County Registrar of Titles Document Number: 551943 And assigned to: U.S. Bank, N.A. Dated: October 28, 2008 Registered: November 20, 2008 Dakota County Registrar of Titles Document Number: T635892 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021278103566191 Lender or Broker: Homeservices Lending, LLC Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 121541 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4685 Aspen Ridge Cir, Eagan, MN 55122-4603 Tax Parcel ID Number: 10-53776-010-01 LEGAL DESCRIPTION OF PROPERTY: Lot One (1), Block One (1), Oakpointe of Eagan 2nd Addition, CIC No. 199, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $153,745.02 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 25, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 25, 2010, or the next business day if August 25, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 07, 2010 ASSIGNEE OF MORTGAGEE: U.S. Bank, N.A. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010951F01 2029598 1/7-2/11/10

PUBLIC NOTICE

MORTGAGE: 100153210511022830 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Homefield Financial, Inc. RESIDENTIAL MORTGAGE SERVICER: Aurora Loan Services LLC MORTGAGED PROPERTY ADDRESS: 15701 Chalet Court, Burnsville, MN 55306 TAX PARCEL I.D. #: 02-83535-110-06 LEGAL DESCRIPTION OF PROPERTY: Lot 11, Block 6, West Buck Hills Estates COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $259,900.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $324,008.36 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 25, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 25, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 30, 2009. Aurora Loan Services LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 98-957 0021951421 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2031636 1/7-2/11/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTIFY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: September 23, 2005 MORTGAGOR(S): Jody R. Stock and Jessica M. Stock, husband and wife MORTGAGEE: U.S. Bank National Association ND DATE AND PLACE OF RECORDING: Recorded: October 11, 2005 Dakota County Recorder Document #: 2369566 ASSIGNMENTS OF MORTGAGE: None LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 1, Winter Park Addition, Dakota County, Minnesota. PARCEL ID #: 18 84300 030 01 PROPERTY ADDRESS: 23530 Main Street, Hampton, MN 55031 Transaction Agent: N/A Transaction Agent Id No.: N/A Current Mortgage Servicer: U.S. Bank National Association ND COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $192,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY PAID BY MORTGAGEE: $202,716.93 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; that no Mortgagors have been released from financial obligation on said mortgage; that no action or proceeding has been instituted by law to recover that debt secured by said Mortgage, or any part thereof; that all conditions precedent to foreclosure of the Mortgage and

to foreclosure of the Mortgage and acceleration of the debt secures thereby have been fulfilled; PURSUANT to the power of sale therein contained, said Mortgage will be foreclosed and the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 25, 2010 at 10:00 a.m. PLACE OF SALE: Dakota County Law Enforcement Center, Lobby S-100, 1580 Highway 55, Hastings, MN 55033. to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. DATE TO VACATE PROPERTY: T h e date on or before which the mortgagor must vacate the property if the mortgage is not reinstated under Minnesota Statues section 580.30 of the property redeemed under Minnesota Statutes section 580.23 is 8/25/2010 at 11:59 p.m. If the foregoing date is Saturday, Sunday of legal holiday, then the date to vacate is the next business day at 11:59 p.m. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: NONE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF JUDICIAL ORDER IS ENTERED UNDER M I N N E S O T A S T A T U T E S S E C T I ON 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. Dated: January 4, 2010 U.S. Bank National Association ND Kenneth J. Johnson Minnesota State Bar No. 0246074 Johnson, Blumberg & Associates, LLC Attorney for Mortgagee 230 W. Monroe St. Suite 1125 Chicago, Illinois 60606 (312) 541-9710 2032011 1/7-2/11/10

PUBLIC NOTICE

��

�� redeemed under section 580.23 is�� 11:59 p.m. on August 23, 2010 . MORTGAGOR(S) RELEASED FROM NOTICE OF FINANCIAL OBLIGATION ON MORTMORTGAGE FORECLOSURE SALE GAGE: None THE RIGHT TO VERIFICATION "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, OF THE DEBT AND IDENTITY OF THE MORTGAGOR'S PERSONAL REP- THE ORIGINAL CREDITOR WITHIN RESENTATIVES OR ASSIGNS, MAY BE THE TIME PROVIDED BY LAW IS REDUCED TO FIVE WEEKS IF A JUDI- NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that CIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION default has occurred in conditions of 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G the following described mortgage: DATE OF MORTGAGE: A u g u s t 3 0 , OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED 2005 MORTGAGOR: V i r g i n i a A . K a c z WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT marek, a single person. MORTGAGEE: Mortgage Electronic PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E Registration Systems, Inc.. DATE AND PLACE OF RECORDING: ABANDONED." Recorded September 27, 2005, Dakota Dated: December 18, 2009. County Recorder, Document No. JPMorgan Chase Bank, N.A. 2364837. Mortgagee/Assignee of Mortgagee ASSIGNMENTS OF MORTGAGE: USSET, WEINGARDEN AND LIEBO, P.L.L.P. Assigned to: Chase Home Finance LLC, By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Dated: March 6, 2009. TRANSACTION AGENT: Mortgage Mortgagee Electronic Registration Systems, Inc. 4500 Park Glen Road #300 TRANSACTION AGENT'S MORTMinneapolis, MN 55416 GAGE IDENTIFICATION NUMBER ON (952) 925-6888 MORTGAGE: 100015901074393802 75-3861 LENDER OR BROKER AND MORT20476610 THIS IS A COMMUNICATION FROM G A G E O R I G I N A T O R S T A T E D O N MORTGAGE: CTX Mortgage Company, A DEBT COLLECTOR. 2031749 1/7-2/11/10 LLC RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: NOTICE OF 1524 139th Street West, Rosemount, MORTGAGE FORECLOSURE SALE MN 55068 NOTICE IS HEREBY GIVEN that TAX PARCEL I.D. #: 34-48300-706-18 default has occurred in the conditions LEGAL DESCRIPTION OF PROPof the following described mortgage: ERTY: Unit No. 0706, Meadows of DATE OF MORTGAGE: April 26, 2004 Bloomfield, Common Interest CommuORIGINAL PRINCIPAL AMOUNT OF nity Number 470, Dakota County, MinMORTGAGE: $166,400.00 nesota. MORTGAGOR(S): Milton V. Green COUNTY IN WHICH PROPERTY IS and Amy Green, husband and wife LOCATED: Dakota MORTGAGEE: Mortgage Electronic ORIGINAL PRINCIPAL AMOUNT OF Registration Systems, Inc. MORTGAGE: $125,200.00 DATE AND PLACE OF RECORDING: AMOUNT DUE AND CLAIMED TO BE Recorded: July 09, 2004 Dakota DUE AS OF DATE OF NOTICE, INCLUDCounty Recorder ING TAXES, IF ANY, PAID BY MORTDocument Number: 2223597 GAGEE: $127,773.64 Transaction Agent: Mortgage ElecThat prior to the commencement of tronic Registration Systems, Inc. this mortgage foreclosure proceeding Transaction Agent Mortgage Identifi- Mortgagee/Assignee of Mortgagee comcation Number: 100053000034686935 plied with all notice requirements as Lender or Broker: Aegis Wholesale required by statute; That no action or Corporation proceeding has been instituted at law Residential Mortgage Servicer: or otherwise to recover the debt Aurora Loan Services, LLC secured by said mortgage, or any part Mortgage Originator: Not Applicable thereof; COUNTY IN WHICH PROPERTY IS PURSUANT to the power of sale conLOCATED: Dakota tained in said mortgage, the above Property Address: 6550 154th St W, described property will be sold by the Apple Valley, MN 55124-3128 Sheriff of said county as follows: Tax Parcel ID Number: DATE AND TIME OF SALE: June 9, 015590011205 2009 at 10:00 AM LEGAL DESCRIPTION OF PROPPLACE OF SALE: S h e r i f f ' s O f f i c e , ERTY: Unit No. 112, Common Interest Law Enforcement Center, 1580 Hwy Community No. 311, Orchard Pointe 55, Lobby #S-100, Hastings, MN Condominium, a condominium located to pay the debt then secured by said in Dakota County, Minnesota Mortgage, and taxes, if any, on said AMOUNT DUE AND CLAIMED TO BE premises, and the costs and disburseD U E A S O F D A T E O F N O T I C E : ments, including attorneys' fees $172,496.74 allowed by law subject to redemption THAT all pre-foreclosure requirewithin six (6) months from the date of ments have been complied with; that said sale by the mortgagor(s), their no action or proceeding has been insti- personal representatives or assigns tuted at law or otherwise to recover the unless reduced to Five (5) weeks under debt secured by said mortgage, or any MN Stat. §580.07. part thereof; MORTGAGOR(S) RELEASED FROM PURSUANT to the power of sale con- FINANCIAL OBLIGATION ON MORTt a i n e d i n s a i d m o r t g a g e , t h e GAGE: None above-described property will be sold "THE TIME ALLOWED BY LAW FOR by the Sheriff of said county as fol- REDEMPTION BY THE MORTGAGOR, lows: THE MORTGAGOR'S PERSONAL REPDATE AND TIME OF SALE: February RESENTATIVES OR ASSIGNS, MAY BE 25, 2010 at 10:00 AM REDUCED TO FIVE WEEKS IF A JUDIPLACE OF SALE: Dakota County CIAL ORDER IS ENTERED UNDER Law Enforcement Center, 1580 High- MINNESOTA STATUTES, SECTION way 55, Lobby S-100, Hastings, Minne- 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G sota OTHER THINGS, THAT THE MORTto pay the debt secured by said mort- GAGED PREMISES ARE IMPROVED gage and taxes, if any, on said pre- WITH A RESIDENTIAL DWELLING OF mises and the costs and disburse- LESS THAN FIVE UNITS, ARE NOT ments, including attorney fees allowed PROPERTY USED IN AGRICULTURAL by law, subject to redemption within P R O D U C T I O N , A N D A R E six (6) months from the date of said ABANDONED." sale by the mortgagor(s), their perDated: December 10, 2009. sonal representatives or assigns. Chase Home Finance LLC If the Mortgage is not reinstated Mortgagee/Assignee of Mortgagee under Minn. Stat. §580.30 or the prop- USSET, WEINGARDEN AND LIEBO, P.L.L.P. erty is not redeemed under Minn. Stat. By: Paul A. Weingarden §580.23, the Mortgagor must vacate Attorneys for Mortgagee/Assignee of the property on or before 11:59 p.m. on Mortgagee August 25, 2010, or the next business 4500 Park Glen Road #300 day if August 25, 2010 falls on a Satur- Minneapolis, MN 55416 day, Sunday or legal holiday. (952) 925-6888 Mortgagor(s) released from financial 30-6441 obligation: NONE 1942886880 THIS COMMUNICATION IS FROM THIS IS A COMMUNICATION FROM A DEBT COLLECTOR ATTEMPT- A DEBT COLLECTOR. ING TO COLLECT A DEBT. ANY NOTICE OF POSTPONEMENT OF INFORMATION OBTAINED WILL BE MORTGAGE FORECLOSURE SALE USED FOR THAT PURPOSE. Pursuant to the provisions of MinneTHE RIGHT TO VERIFICATION OF sota Statutes 580.07, the foregoing THE DEBT AND IDENTITY OF THE foreclosure sale is postponed until ORIGINAL CREDITOR WITHIN THE M a r c h 9 , 2 0 1 0 a t 1 0 : 0 0 a m a t t h e T I M E P R O V I D E D B Y L A W I S N O T Sheriff's Office, Law Enforcement CenAFFECTED BY THIS ACTION. ter, 1580 Hwy 55, Lobby #S-100, HastTHE TIME ALLOWED BY LAW FOR ings, MN, in said county and state. REDEMPTION BY THE MORTGAGOR, Dated: January 20, 2010. THE MORTGAGOR'S PERSONAL REPChase Home Finance LLC RESENTATIVES OR ASSIGNS, MAY BE Mortgagee/Assignee of Mortgagee REDUCED TO FIVE WEEKS IF A JUDI- USSET, WEINGARDEN AND LIEBO, P.L.L.P. CIAL ORDER IS ENTERED UNDER By: Paul A. Weingarden MINNESOTA STATUTES, SECTION Attorneys for Mortgagee/Assignee of 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G Mortgagee OTHER THINGS, THAT THE MORT- 4500 Park Glen Road #300 GAGED PREMISES ARE IMPROVED Minneapolis, MN 55416 WITH A RESIDENTIAL DWELLING OF (952) 925-6888 LESS THAN FIVE UNITS, ARE NOT 30-6441 PROPERTY USED IN AGRICULTURAL THIS IS A COMMUNICATION FROM PRODUCTION, AND ARE ABANDONED. A DEBT COLLECTOR. DATED: January 07, 2010 2048087 1/28/10 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006034F02 2029720 1/7-2/11/10

PUBLIC NOTICE

��

�� Recorded: �� March 21, 2005 Dakota County Recorder ��

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 1 2 , 2007 MORTGAGORS: D u s t i n O . W i n t e r and Amy Winter, husband and wife. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered October 30, 2007, Dakota County Registrar of Titles, Document No. 619544, Certificate of Title No. 143713. ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: January 6, 2010. Said Mortgage being Registered Land. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100021278927695317 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: U.S. Bank, N.A. RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 1800 Covington Lane, Eagan, MN 55122 TAX PARCEL I.D. #: 10-63984-040-15 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 15, in Ridgecliffe Fifth Addition, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $167,674.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $173,080.29 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 18, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 20, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 15, 2010. U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-637 7892769531 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2054528 1/28-3/4/10

PUBLIC NOTICE

Document #: 2305587 ASSIGNMENTS OF MORTGAGE: None LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 2, Hills of Stonebridge 3rd Addition, Dakota County, Minnesota. PARCEL ID #: 10 32992 040 02 PROPERTY ADDRESS: 731 Camberwell Drive, Eagan, MN 55123 Transaction Agent: N/A Transaction Agent Id No.: N/A Current Mortgage Servicer: U.S. Bank National Association ND COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $320,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY PAID BY MORTGAGEE: $315,181.62 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; that no Mortgagors have been released from financial obligation on said mortgage; that no action or proceeding has been instituted by law to recover that debt secured by said Mortgage, or any part thereof; that all conditions precedent to foreclosure of the Mortgage and acceleration of the debt secures thereby have been fulfilled; PURSUANT to the power of sale therein contained, said Mortgage will be foreclosed and the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 25, 2010 at 10:00 a.m. PLACE OF SALE: Dakota County Law Enforcement Center, Lobby S-100, 1580 Highway 55, Hastings, MN 55033. to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. DATE TO VACATE PROPERTY: T h e date on or before which the mortgagor must vacate the property if the mortgage is not reinstated under Minnesota Statues section 580.30 of the property redeemed under Minnesota Statutes section 580.23 is 8/25/2010 at 11:59 p.m. If the foregoing date is Saturday, Sunday of legal holiday, then the date to vacate is the next business day at 11:59 p.m. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: NONE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF JUDICIAL ORDER IS ENTERED UNDER M I N N E S O T A S T A T U T E S S E C T I ON 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. Dated: January 4, 2010 U.S. Bank National Association ND Kenneth J. Johnson Minnesota State Bar No. 0246074 Johnson, Blumberg & Associates, LLC Attorney for Mortgagee 230 W. Monroe St. Suite 1125 Chicago, Illinois 60606 (312) 541-9710 2032027 1/7-2/11/10

PUBLIC NOTICE

DUE AS OF DATE OF NOTICE, INCLUD ING TAXES, IF ANY, PAID BY MORTGAGEE: $114,348.84 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 4, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 7, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 30, 2009. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-1349 637651032 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2031697 1/7-2/11/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 30, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $149,700.00 MORTGAGOR(S): Matthew Gindt and Judith Gindt, husband and wife MORTGAGEE: Wells Fargo Bank, N.A. successor by merger to Wells Fargo Bank Southwest, N.A. formerly known as Wachovia Mortgage, FSB fka World Savings Bank, FSB DATE AND PLACE OF RECORDING: Recorded: February 11, 2004 Dakota County Recorder Document Number: 2174625 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Wells Fargo Bank, N.A. successor by merger to Wells Fargo Bank Southwest, N.A. formerly known as Wachovia Mortgage, FSB fka World Savings Bank, FSB Residential Mortgage Servicer: Wachovia Mortgage, FSB Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 11020 166th St W, Lakeville, MN 55044-8939 Tax Parcel ID Number: 22-44350-210-02 LEGAL DESCRIPTION OF PROPERTY: Lot 21, Block 2, Lakeville Hills, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $178,111.80 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 22, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate

§580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 22, 2010, or the next business day if August 22, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 07, 2010 MORTGAGEE: Wells Fargo Bank, N.A. successor by merger to Wells Fargo Bank Southwest, N.A. formerly known as Wachovia Mortgage, FSB fka World Savings Bank, FSB Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010918F01 2029249 1/7-2/11/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 01, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $195,000.00 MORTGAGOR(S): Aaron Michael Stricker, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: August 30, 2007 Dakota County Recorder Document Number: 2541141 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association Dated: December 21, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021268000929527 Lender or Broker: Vermillion State Bank Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 23465 Water St, Hampton, MN 55031-9783 Tax Parcel ID Number: 18-47500-120-01 18-47500-100-01 LEGAL DESCRIPTION OF PROPERTY: Lots 10, 11 and 12, "Mathias Manor" Addition to the Village of Hampton, Minnesota, according to the recorded plat thereof, and situate in Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $207,625.05 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 19, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 19, 2010, or the next business day if August 19, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORT-

OTHER THINGS, THAT THE MORT GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 07, 2010 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010749F01 2028590 1/7-2/11/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: April 30, 1999 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $120,175.00 MORTGAGOR(S): Christina Carlisano, a single person and James Kaufenberg, a single person MORTGAGEE: EquiCredit Corporation of Mn. DATE AND PLACE OF RECORDING: Recorded: May 21, 1999 Dakota County Recorder Document Number: 1607141 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association, f/k/a First Bank National Association Trust U/A dated 6/1/99 (EQCC Home Equity Loan Trust 1999-2) Dated: June 07, 2002 Recorded: June 28, 2002 Dakota County Recorder Document Number: 1911151 And assigned to: NationsCredit Financial Services Corporation Dated: May 11, 2009 Recorded: June 05, 2009 Dakota County Recorder Document Number: 2662107 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: EquiCredit Corporation of Mn. Residential Mortgage Servicer: Select Portfolio Servicing Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 14304 Portland Ave, Burnsville, MN 55337-4686 Tax Parcel ID Number: 02-84811-030-01 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 1, Wood Park Plat Twelve, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $138,179.22 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 15, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 15, 2010, or the next business day if September 15, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 28, 2010 ASSIGNEE OF MORTGAGEE: NationsCredit Financial Services Corporation Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 003813F02 2053271 1/28-3/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 3 , 2004 MORTGAGORS: Terry Fransen and Cassandra Fransen, husband and wife. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded August 30, 2004, Dakota County Recorder, Document No. 2243418. ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: January 14, 2010. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100052550022768476 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Source Lending Corp. RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 132 3rd Avenue South, South Saint Paul, MN 55075 TAX PARCEL I.D. #: 36-32550-220-12 LEGAL DESCRIPTION OF PROPERTY: LOT 22, BLOCK 12, HEPBURN PARK ADDITION TO THE CITY OF ST. PAUL, DAKOTA COUNTY, MINNESOTA. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $165,750.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $168,432.77 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 25, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 27, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 14, 2010. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7089 1941064477 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2054607 1/28-3/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 11, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $247,000.00 MORTGAGOR(S): Tarek Hamila and Shakiba Hamila, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: June 25, 2007 Dakota County Recorder Document Number: 2526243 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identifi-

��

Transaction Agent Mortgage Identifi cation Number: 100025440003869259 Lender or Broker: Lehman Brothers Bank, FSB Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4201 Trenton Rd, Eagan, MN 55123-1949 Tax Parcel ID Number: 10-52100-360-02 LEGAL DESCRIPTION OF PROPERTY: Lot 36, Block 2, Northview Meadows, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $271,370.38 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 25, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 25, 2010, or the next business day if August 25, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 07, 2010 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011381F01 2029611 1/7-2/11/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 17, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $124,800.00 MORTGAGOR(S): Troy L Freden, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: September 14, 2007 Dakota County Recorder Document Number: 2543842 ASSIGNMENTS OF MORTGAGE: And assigned to: Suntrust Mortgage, Inc. Dated: January 06, 2010 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1000104-0206452328-9 Lender or Broker: Suntrust Mortgage, Inc. Residential Mortgage Servicer: SunTrust Mortgage, Inc. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 13428 Heather Hills Dr, Burnsville, MN 55337-390 Tax Parcel ID Number: 02-32250-030-09 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 9, Heather Hills First Addition, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $124,728.98 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the abovedescribed property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March

DATE AND TIME OF SALE: March 04, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 04, 2010, or the next business day if September 04, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 14, 2010 ASSIGNEE OF MORTGAGEE: Suntrust Mortgage, Inc. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011578F01 2037498 1/14-2/18/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 13, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $156,000.00 MORTGAGOR(S): Corey Andresen and Angela Andresen, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 02, 2007 Dakota County Recorder Document Number: 2547728 ASSIGNMENTS OF MORTGAGE: And assigned to: Provident Funding Associates, L.P. Dated: December 31, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100017935170900134 Lender or Broker: Provident Funding Associates, L.P. Residential Mortgage Servicer: Provident Funding Associates Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 508 Wilson Ct, Northfield, MN 55057-1374 Tax Parcel ID Number: 43-52100-060-02 LEGAL DESCRIPTION OF PROPERTY: Lot Six (6), Block Two (2), North Ridge Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $162,701.00 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 01, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 01, 2010, or the next business day if September 01, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE

ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 14, 2010 ASSIGNEE OF MORTGAGEE: Provident Funding Associates, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008381F01 2035462 1/14-2/18/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 13, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $177,160.00 MORTGAGOR(S): Carline Anne Malaney, an Unmarried Woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: July 20, 2006 Dakota County Recorder Document Number: 2446704 AND CORRECTIVE MORTGAGE RECORDING: October 31, 2006 Dakota County Recorder Document Number: 2472441 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100025440003208672 Lender or Broker: Lehman Brothers Bank, FSB Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1424 Tyler St # 2, Hastings, MN 55033-2838 Tax Parcel ID Number: 19-77300-120-02 LEGAL DESCRIPTION OF PROPERTY: The South 1/2 of Lot 11, Block 2, and all of Lot 12, Block 2, Tripp's Addition to Hastings, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $186,510.27 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 04, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 04, 2010, or the next business day if September 04, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 14, 2010 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009796F02 2037650 1/14-2/18/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 19, 2007 MORTGAGOR: Mollie A. Maleitzke, a single person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc.. DATE AND PLACE OF RECORDING: Recorded April 25, 2007, Dakota County Recorder, Document No. 2512178. ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: January 7, 2010. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100162500029387587 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Spectra Financial, Inc. RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 993 South Robert Street #B2, West Saint Paul, MN 55118 TAX PARCEL I.D. #: 42-23725-002-10 and 42-23725-001-11. LEGAL DESCRIPTION OF PROPERTY: Unit Number B2 and P1, Homes of Emerson Hill, Common Interest Community Number 537, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $132,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $141,227.56 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 11, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 13, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 8, 2010. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6680 1991449940 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2039319 1/14-2/18/10

PUBLIC NOTICE

��

�� TO BE of Title No.�� CLAIMED DUE AND No. 546848, Certificate AMOUNT 133212. DUE AS OF DATE OF NOTICE: A S S I G N M E N T S O F M O R T G A G E : $276,909.26 Assigned to: CitiMortgage, Inc, Dated: THAT all pre-foreclosure requireSeptember 28, 2009. ments have been complied with; that no action or proceeding has been instiSaid Mortgage being Registered Land. TRANSACTION AGENT: Mortgage tuted at law or otherwise to recover the debt secured by said mortgage, or any Electronic Registration Systems, Inc. T R A N S A C T I O N A G E N T ' S M O R T - part thereof; that this is registered GAGE IDENTIFICATION NUMBER ON property; MORTGAGE: 100226700000051723 PURSUANT to the power of sale conLENDER OR BROKER AND MORT- t a i n e d i n s a i d m o r t g a g e , t h e G A G E O R I G I N A T O R S T A T E D O N above-described property will be sold by the Sheriff of said county as folMORTGAGE: Citizens State Bank R E S I D E N T I A L M O R T G A G E S E R - lows: VICER: CitiMortgage, Inc. DATE AND TIME OF SALE: March MORTGAGED PROPERTY ADDRESS: 01, 2010 at 10:00 AM PLACE OF SALE: Dakota County 925 Redwell Lane, Apple Valley, MN Law Enforcement Center, 1580 High55124 TAX PARCEL I.D. #: 01-11706-240-05 way 55, Lobby S-100, Hastings, MinneL E G A L D E S C R I P T I O N O F P R O P - sota ERTY: to pay the debt secured by said mortLot 24, Block 5, Apple Valley 7th gage and taxes, if any, on said preAddition mises and the costs and disburseCOUNTY IN WHICH PROPERTY IS ments, including attorney fees allowed LOCATED: Dakota by law, subject to redemption within ORIGINAL PRINCIPAL AMOUNT OF six (6) months from the date of said MORTGAGE: $156,080.00 sale by the mortgagor(s), their perAMOUNT DUE AND CLAIMED TO BE sonal representatives or assigns. DUE AS OF DATE OF NOTICE, INCLUDIf the Mortgage is not reinstated ING TAXES, IF ANY, PAID BY MORT- under Minn. Stat. §580.30 or the propGAGEE: $153,041.42 erty is not redeemed under Minn. Stat. That prior to the commencement of §580.23, the Mortgagor must vacate this mortgage foreclosure proceeding the property on or before 11:59 p.m. on Mortgagee/Assignee of Mortgagee com- September 01, 2010, or the next busiplied with all notice requirements as ness day if September 01, 2010 falls on required by statute; That no action or a Saturday, Sunday or legal holiday. proceeding has been instituted at law Mortgagor(s) released from financial o r o t h e r w i s e t o r e c o v e r t h e d e b t obligation: NONE secured by said mortgage, or any part THIS COMMUNICATION IS FROM thereof; A DEBT COLLECTOR ATTEMPTPURSUANT to the power of sale con- ING TO COLLECT A DEBT. ANY tained in said mortgage, the above INFORMATION OBTAINED WILL BE described property will be sold by the USED FOR THAT PURPOSE. Sheriff of said county as follows: THE RIGHT TO VERIFICATION OF DATE AND TIME OF SALE: March 4, THE DEBT AND IDENTITY OF THE 2010 at 10:00 AM ORIGINAL CREDITOR WITHIN THE PLACE OF SALE: S h e r i f f ' s O f f i c e , T I M E P R O V I D E D B Y L A W I S N O T Law Enforcement Center, 1580 Hwy AFFECTED BY THIS ACTION. 55, Lobby #S-100, Hastings, MN THE TIME ALLOWED BY LAW FOR to pay the debt then secured by said REDEMPTION BY THE MORTGAGOR, Mortgage, and taxes, if any, on said THE MORTGAGOR'S PERSONAL REPpremises, and the costs and disburse- RESENTATIVES OR ASSIGNS, MAY BE m e n t s , i n c l u d i n g a t t o r n e y s ' f e e s REDUCED TO FIVE WEEKS IF A JUDIallowed by law subject to redemption CIAL ORDER IS ENTERED UNDER within six (6) months from the date of MINNESOTA STATUTES, SECTION said sale by the mortgagor(s), their 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G personal representatives or assigns OTHER THINGS, THAT THE MORTunless reduced to Five (5) weeks under GAGED PREMISES ARE IMPROVED MN Stat. §580.07. WITH A RESIDENTIAL DWELLING OF TIME AND DATE TO VACATE PROP- LESS THAN FIVE UNITS, ARE NOT E R T Y : I f t h e r e a l e s t a t e i s a n PROPERTY USED IN AGRICULTURAL owner-occupied, single-family dwell- PRODUCTION, AND ARE ABANDONED. ing, unless otherwise provided by law, DATED: January 14, 2010 the date on or before which the mortASSIGNEE OF MORTGAGEE: gagor(s) must vacate the property if the Provident Funding Associates, L.P. mortgage is not reinstated under sec- Wilford & Geske, P.A. tion 580.30 or the property is not Attorneys for Assignee of Mortgagee redeemed under section 580.23 is Lawrence A. Wilford 11:59 p.m. on September 7, 2010. James A. Geske MORTGAGOR(S) RELEASED FROM 8425 Seasons Parkway, Suite 105 FINANCIAL OBLIGATION ON MORT- Woodbury, MN 55125-4393 GAGE: None (651) 209-3300 "THE TIME ALLOWED BY LAW FOR File Number: 008393F02 REDEMPTION BY THE MORTGAGOR, 2034894 1/14-2/18/10 THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDINOTICE OF CIAL ORDER IS ENTERED UNDER MORTGAGE FORECLOSURE SALE MINNESOTA STATUTES, SECTION NOTICE IS HEREBY GIVEN that 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORT- default has occurred in the conditions of the following described mortgage: GAGED PREMISES ARE IMPROVED DATE OF MORTGAGE: November 11, WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT 2005 ORIGINAL PRINCIPAL AMOUNT OF PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E MORTGAGE: $203,358.00 MORTGAGOR(S): September M ABANDONED." Grames, a single person Dated: December 21, 2009. MORTGAGEE: CTX Mortgage ComCitiMortgage, Inc. pany, LLC Mortgagee/Assignee of Mortgagee DATE AND PLACE OF RECORDING: USSET, WEINGARDEN AND LIEBO, P.L.L.P. Recorded: November 30, 2005 By: Paul A. Weingarden Dakota County Recorder Attorneys for Mortgagee/Assignee of Document Number: 2384763 Mortgagee ASSIGNMENTS OF MORTGAGE: 4500 Park Glen Road #300 And assigned to: Nationstar MortMinneapolis, MN 55416 gage LLC, f/k/a Centex Home Equity (952) 925-6888 Company, LLC 10-2489 Dated: March 21, 2006 8430045 Recorded: March 27, 2006 Dakota THIS IS A COMMUNICATION FROM County Recorder A DEBT COLLECTOR. Document Number: 2415443 2036414 1/14-2/18/10 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable NOTICE OF Lender or Broker: CTX Mortgage MORTGAGE FORECLOSURE SALE Company, LLC NOTICE IS HEREBY GIVEN that Residential Mortgage Servicer: default has occurred in the conditions Nationstar Mortgage, LLC of the following described mortgage: Mortgage Originator: Not Applicable DATE OF MORTGAGE: November 30, COUNTY IN WHICH PROPERTY IS 2006 LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF Property Address: 4857 Boatman Ln, MORTGAGE: $269,900.00 Inver Grove Heights, MN 55076-1160 MORTGAGOR(S): Eric Peterson and Tax Parcel ID Number: Lanetta Peterson, husband and wife 20-44026-601-06 MORTGAGEE: Mortgage Electronic LEGAL DESCRIPTION OF PROPRegistration Systems, Inc. ERTY: Unit No. 6601, Lafayette Park DATE AND PLACE OF REGISTER- East, Common Interest Community No. ING: 434, Dakota County, Minnesota. Registered: December 27, 2006 AMOUNT DUE AND CLAIMED TO BE Dakota County Registrar of Titles DUE AS OF DATE OF NOTICE: Document Number: 603300 $205,142.67 ASSIGNMENTS OF MORTGAGE: THAT all pre-foreclosure requireAnd assigned to: Provident Funding ments have been complied with; that Associates, L.P. no action or proceeding has been instiDated: December 31, 2009 tuted at law or otherwise to recover the Transaction Agent: Mortgage Elec- debt secured by said mortgage, or any tronic Registration Systems, Inc. part thereof; Transaction Agent Mortgage IdentifiPURSUANT to the power of sale concation Number: 100017995161107073 tained in said mortgage, the Lender or Broker: Provident Fund- above-described property will be sold ing Associates, L.P. by the Sheriff of said county as folResidential Mortgage Servicer: Provi- lows: dent Funding Associates DATE AND TIME OF SALE: March Mortgage Originator: Not Applicable 04, 2010 at 10:00 AM CERTIFICATE OF TITLE NUMBER: PLACE OF SALE: Dakota County 141662 Law Enforcement Center, 1580 HighCOUNTY IN WHICH PROPERTY IS way 55, Lobby S-100, Hastings, MinneLOCATED: Dakota sota Property Address: 905 Oriole Dr, to pay the debt secured by said mortSaint Paul, MN 55124-8974 gage and taxes, if any, on said preT a x P a r c e l I D N u m b e r : mises and the costs and disburse01-11703-180-02 ments, including attorney fees allowed L E G A L D E S C R I P T I O N O F P R O P - by law, subject to redemption within ERTY: Lot 18, Block 2, Apple Valley six (6) months from the date of said Fourth Addition AMOUNT DUE AND CLAIMED TO BE ��

PUBLIC NOTICE

�� THE �� MORTGAGOR S PERSONAL REP RESENTATIVES OR ASSIGNS, MAY BE �� six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 04, 2010, or the next business day if September 04, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 14, 2010 ASSIGNEE OF MORTGAGEE: Nationstar Mortgage LLC, f/k/a Centex Home Equity Company, LLC Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010952F01 2037928 1/14-2/18/10

PUBLIC NOTICE

REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 7, 2010. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7712 1960568616 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2039239 1/14-2/18/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 17, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $224,000.00 MORTGAGOR(S): Jose P Rubio and Darla A Rubio, husband and wife MORTGAGEE: Wells Fargo Bank, N.A. successor by merger to Wells Fargo Bank Southwest, N.A. formerly known as Wachovia Mortgage, FSB fka World Savings Bank, FSB DATE AND PLACE OF RECORDING: Recorded: October 29, 2004 Dakota County Recorder Document Number: 2262582 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Wells Fargo Bank, N.A. successor by merger to Wells Fargo Bank Southwest, N.A. formerly known as Wachovia Mortgage, FSB fka World Savings Bank, FSB Residential Mortgage Servicer: Wachovia Mortgage, FSB Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 2629 Borden Way, Inver Grove Heights, MN 55076-2009 Tax Parcel ID Number: 20-81300-040-03 LEGAL DESCRIPTION OF PROPERTY: Lot Four (4), Block Three (3), Valley Heights Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $251,258.43 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 01, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 01, 2010, or the next business day if September 01, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 14, 2010 MORTGAGEE: Wells Fargo Bank, N.A. successor by merger to Wells Fargo Bank Southwest, N.A. formerly known as Wachovia Mortgage, FSB fka World Savings Bank, FSB Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011495F01 2038285 1/14-2/18/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: June 30, 1994 MORTGAGORS: J o h n M . P a w l e n t y and Jodi L. Pawlenty, husband and wife. MORTGAGEE: N o r w e s t M o r t g a g e , Inc. DATE AND PLACE OF RECORDING: Recorded August 19, 1994, Dakota County Recorder, Document No. 1236374. ASSIGNMENTS OF MORTGAGE: Assigned to: Universal Mortgage Corporation of Wisconsin, Dated: June 30, 1994, Recorded: August 19, 1994, Document No. 1236375. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Norwest Mortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: Universal Mortgage Corporation of Wisconsin MORTGAGED PROPERTY ADDRESS: 131 Ash Street East, South Saint Paul, MN 55075 TAX PARCEL I.D. #: 36-73150-160-02 LEGAL DESCRIPTION OF PROPERTY: Lot 16, Block 2, Sunny View Terrace, according to the recorded plat thereof on file and of record in the office of the County Recorder, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $84,816.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $65,266.11 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 4, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 7, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 4, 2010. Universal Mortgage Corporation of Wisconsin Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 28-411 8828469 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2039023 1/14-2/18/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 13, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $362,700.00 MORTGAGOR(S): Allen R Halcomb and Betsy J Halcomb, husband and wife MORTGAGEE: Wilmington Finance, a division of AIG Federal Savings Bank DATE AND PLACE OF REGISTERING: Registered: November 24, 2004

Registered: November 24, 2004 Dakota County Registrar of Titles Document Number: 553010 ASSIGNMENTS OF MORTGAGE: And assigned to: Mortgage Electronic Registration Systems, Inc. Dated: October 19, 2004 Registered: August 15, 2005 Dakota County Registrar of Titles Document Number: 571993 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100046600070038261 Lender or Broker: Wilmington Finance, a division of AIG Federal Savings Bank Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 125879 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 151 Carriage Ln, Burnsville, MN 55306-5078 Tax Parcel ID Number: 02-16401-090-02 LEGAL DESCRIPTION OF PROPERTY: Lot Nine (9), Block Two (2), in Carriage Place Second Addition, according to the recorded plat thereof, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $372,617.22 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 01, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 01, 2010, or the next business day if September 01, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 14, 2010 ASSIGNEE OF MORTGAGEE Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011412F01 2033942 1/14-2/18/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 18, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $165,000.00 MORTGAGOR(S): Bryan R Nippoldt, single and Molly K Widstrom, single MORTGAGEE: Nationstar Mortgage, LLC DATE AND PLACE OF RECORDING: Recorded: October 09, 2006 Dakota County Recorder Document Number: 2466796 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Nationstar Mortgage, LLC Residential Mortgage Servicer: Nationstar Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 3524 Cloman Way, Inver Grove Heights, MN 55076-1649 Tax Parcel ID Number: 20-44352-020-10 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 10, Lakebridge Patio Homes Third Addition. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $170,347.99

$170,347.99 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 04, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 04, 2010, or the next business day if September 04, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 14, 2010 MORTGAGEE: Nationstar Mortgage, LLC Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010949F01 2037941 1/14-2/18/10

PUBLIC NOTICE

within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 13, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 6, 2010. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7669 1915366377 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2039305 1/14-2/18/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 29, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $243,840.00 MORTGAGOR(S): Arkadiy Petruk and Leah Petruk, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: December 14, 2004 Dakota County Recorder Document Number: 2276059 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100060677001418128 Lender or Broker: Integrity One Mortgage, LLC Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4651 Parkcliff Dr, Eagan, MN 55123-2143 Tax Parcel ID Number: 10-56702-040-02 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 2, Parkcliff 3rd Addition, according to the recorded plat thereof, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $248,949.57 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 26, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 26, 2010, or the next business day if August 26, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF

��

WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 14, 2010 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011307F01 2033053 1/14-2/18/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 2 5 , 2002 MORTGAGOR: M a r y K . S c h l e i s , a single person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc.. DATE AND PLACE OF RECORDING: Registered April 10, 2003, Dakota County Registrar of Titles, Document No. 495295, Certificate of Title No. 127652. ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: December 28, 2009. Said Mortgage being Registered Land. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100162500037557247 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Alpine Lending, LLC RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 101 Mary Ann Lane, Burnsville, MN 55337 TAX PARCEL I.D. #: 02-76430-010-09 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 9, Timberland-Knoll Acres, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $90,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $82,684.87 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 11, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 13, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 5, 2010. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7662 1998253786 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2039298 1/14-2/18/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: May 16, 2008 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $289,275.00 MORTGAGOR(S): Joan M. Miller and Clayton Miller, Wife and Husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: July 09, 2008 Dakota County Recorder Document Number: 2601158 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100188508050246614 Lender or Broker: Draper and Kramer Mortgage Corp DBA 1st Advantage Morgage Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1300 Vista Dr, Burnsville, MN 55337-2337 Tax Parcel ID Number: 02-82201-232-02 LEGAL DESCRIPTION OF PROPERTY: Lot 23, Block 2, Vista View 2nd Addition, Dakota County, Minnesota, excepting therefrom that part lying Westerly of the following described line, to-wit: A line beginning at a point on the Northwesterly line of said lot 23, distant 46.60 feet Southwesterly of the most northerly corner of said Lot 23; thensce Southeasterly 156.86 feet, more or less, to a point in the Southeasterly line of Lot 28 in Block 2, Vista View 2nd Addition, distant 10 feet Southwesterly of the southeast corner of said Lot 28, and that part of Lot 28 Block 2, Vista View 2nd Addition, lying Easterly of the following described line, to-wit: A line beginning at a point on the Northwesterly line of Lot 23 of said Block 2, Vista View 2nd Addition, distant 46.60 feet Southwesterly of the most Northerly corner of said Lot; thence Southeasterly 156.86 feet, more or less, to a point in the Southeasterly line of said Lot 28, distant 10 feet Southwesterly of the Southeast corner of said Lot 28, Dakota county, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $299,139.90 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 15, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 15, 2010, or the next business day if September 15, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 28, 2010 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011931F01 2053295 1/28-3/4/10

PUBLIC NOTICE

default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 1 5 , 2006 MORTGAGORS: Brian L. Myers and Lorinda B. Feldman Myers, husband and wife. MORTGAGEE: J P M o r g a n C h a s e Bank, National Association as successor in interest to Washington Mutual Bank, FA. DATE AND PLACE OF RECORDING: Recorded April 5, 2006, Dakota County Recorder, Document No. 2418107. ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Washington Mutual Bank, FA RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 620 7th Street, Farmington, MN 55024 TAX PARCEL I.D. #: 14-88100-030-00 LEGAL DESCRIPTION OF PROPERTY: Lot Number 3 in Youngkrantz Addition of Dakota County Records COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $129,395.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $115,149.74 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 4, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 7, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 31, 2009. JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2695 0061134037 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2039099 1/14-2/18/10

PUBLIC NOTICE

RESIDENTIAL MORTGAGE SER VICER: Aurora Loan Services LLC MORTGAGED PROPERTY ADDRESS: 5323 West 173rd Street, Farmington, MN 55024 TAX PARCEL I.D. #: 22-18103-002-08 LEGAL DESCRIPTION OF PROPERTY: Unit No. 3002, Common Interest Community No. 402, Cornerstone Lake 4th Addition Condominiums, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $143,920.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $148,688.51 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 2, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 2, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 5, 2010. Aurora Loan Services LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 98-961 0032599920 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2039044 1/14-2/18/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: May 14, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $144,960.00 MORTGAGOR(S): Richard C Marshall, an unmarried man MORTGAGEE: Wells Fargo Bank, N.A. successor by merger to Wells Fargo Bank Southwest, N.A. formerly known as Wachovia Mortgage, FSB fka World Savings Bank, FSB DATE AND PLACE OF RECORDING: Recorded: June 18, 2004 Dakota County Recorder Document Number: 2216879 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Wells Fargo Bank, N.A. successor by merger to Wells Fargo Bank Southwest, N.A. formerly known as Wachovia Mortgage, FSB fka World Savings Bank, FSB Residential Mortgage Servicer: Wachovia Mortgage, FSB Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1552 Independence Dr, Northfield, MN 55057-4863 Tax Parcel ID Number: 43-51500-210-05 LEGAL DESCRIPTION OF PROPERTY: Unit No. 210, Liberty Park Condominium, Common Interest Community No. 391, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $167,925.82 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows:

��

�� if�� lows: Mortgage,�� and taxes, any, on said DATE AND TIME OF SALE: March premises, and the costs and disburse02, 2010 at 10:00 AM ments, including attorneys' fees PLACE OF SALE: Dakota County allowed by law subject to redemption Law Enforcement Center, 1580 High- within six (6) months from the date of way 55, Lobby S-100, Hastings, Minne- said sale by the mortgagor(s), their personal representatives or assigns sota to pay the debt secured by said mortunless reduced to Five (5) weeks under gage and taxes, if any, on said pre- MN Stat. §580.07. TIME AND DATE TO VACATE PROPmises and the costs and disbursements, including attorney fees allowed E R T Y : I f t h e r e a l e s t a t e i s a n by law, subject to redemption within owner-occupied, single-family dwellsix (6) months from the date of said ing, unless otherwise provided by law, sale by the mortgagor(s), their per- the date on or before which the mortgagor(s) must vacate the property if the sonal representatives or assigns. If the Mortgage is not reinstated mortgage is not reinstated under secunder Minn. Stat. §580.30 or the prop- tion 580.30 or the property is not erty is not redeemed under Minn. Stat. redeemed under section 580.23 is §580.23, the Mortgagor must vacate 11:59 p.m. on September 7, 2010. MORTGAGOR(S) RELEASED FROM the property on or before 11:59 p.m. on September 02, 2010, or the next busi- FINANCIAL OBLIGATION ON MORTGAGE: None ness day if September 02, 2010 falls on "THE TIME ALLOWED BY LAW FOR a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPobligation: NONE THIS COMMUNICATION IS FROM RESENTATIVES OR ASSIGNS, MAY BE A DEBT COLLECTOR ATTEMPT- REDUCED TO FIVE WEEKS IF A JUDIING TO COLLECT A DEBT. ANY CIAL ORDER IS ENTERED UNDER INFORMATION OBTAINED WILL BE MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF OTHER THINGS, THAT THE MORTTHE DEBT AND IDENTITY OF THE GAGED PREMISES ARE IMPROVED ORIGINAL CREDITOR WITHIN THE WITH A RESIDENTIAL DWELLING OF T I M E P R O V I D E D B Y L A W I S N O T LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR P R O D U C T I O N , A N D A R E REDEMPTION BY THE MORTGAGOR, ABANDONED." Dated: January 6, 2010. THE MORTGAGOR'S PERSONAL REPU.S. Bank National Association, RESENTATIVES OR ASSIGNS, MAY BE Trustee REDUCED TO FIVE WEEKS IF A JUDIMortgagee/Assignee of Mortgagee CIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION USSET, WEINGARDEN AND LIEBO, P.L.L.P. 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G By: Paul A. Weingarden OTHER THINGS, THAT THE MORT- Attorneys for Mortgagee/Assignee of GAGED PREMISES ARE IMPROVED Mortgagee WITH A RESIDENTIAL DWELLING OF 4500 Park Glen Road #300 LESS THAN FIVE UNITS, ARE NOT Minneapolis, MN 55416 PROPERTY USED IN AGRICULTURAL (952) 925-6888 76-3562 PRODUCTION, AND ARE ABANDONED. 1044828077 DATED: January 14, 2010 THIS IS A COMMUNICATION FROM MORTGAGEE: Wells Fargo Bank, N.A. successor by merger to A DEBT COLLECTOR. 1/14-2/18/10 Wells Fargo Bank Southwest, N.A. 2039184 formerly known as Wachovia Mortgage, FSB fka World Savings Bank, FSB NOTICE OF Wilford & Geske, P.A. MORTGAGE FORECLOSURE SALE Attorneys for Mortgagee THE RIGHT TO VERIFICATION Lawrence A. Wilford OF THE DEBT AND IDENTITY OF James A. Geske THE ORIGINAL CREDITOR WITHIN 8425 Seasons Parkway, Suite 105 THE TIME PROVIDED BY LAW IS Woodbury, MN 55125-4393 NOT AFFECTED BY THIS ACTION. (651) 209-3300 NOTICE IS HEREBY GIVEN, that File Number: 011080F01 2036799 1/14-2/18/10 default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 24, 2004 MORTGAGOR: Joseph F. Deleon, a single person. NOTICE OF MORTGAGEE: C h a s e M a n h a t t a n MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION Mortgage Corporation N/K/A Chase OF THE DEBT AND IDENTITY OF Home Finance LLC. DATE AND PLACE OF RECORDING: THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS R e g i s t e r e d J u l y 1 9 , 2 0 0 4 , D a k o t a County Registrar of Titles, Document NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that No. 542273, Certificate of Title No. default has occurred in conditions of 122322. ASSIGNMENTS OF MORTGAGE: the following described mortgage: DATE OF MORTGAGE: December 21, NONE Said Mortgage being Registered Land. 2006 TRANSACTION AGENT: NONE MORTGAGOR: T a m m i e J . L i n d , a TRANSACTION AGENT'S MORTsingle person. MORTGAGEE: Mortgage Electronic GAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE Registration Systems, Inc. LENDER OR BROKER AND MORTDATE AND PLACE OF RECORDING: Registered January 11, 2007, Dakota G A G E O R I G I N A T O R S T A T E D O N County Registrar of Titles, Document MORTGAGE: Chase Manhattan MortNo. 604110, Certificate of Title No. gage Corporation N/K/A Chase Home Finance LLC 130917. RESIDENTIAL MORTGAGE SERASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, National Asso- VICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: ciation, as successor trustee to Bank of America, N. A. as successor by 7951 Conroy Way, Inver Grove Heights, m e r g e r t o L a S a l l e B a n k N . A . , a s MN 55076 TAX PARCEL I.D. #: 20-36521-110-06 Trustee for First Franklin Mortgage LEGAL DESCRIPTION OF PROPLoan Trust, Mortgage Loan Asset-Backed Certificates, Series ERTY: Lot 11, Block 6, Inver Grove No. 2. 2007-FF2, Dated: December 9, 2009. COUNTY IN WHICH PROPERTY IS Said Mortgage being Registered Land. TRANSACTION AGENT: Mortgage LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF Electronic Registration Systems, Inc. T R A N S A C T I O N A G E N T ' S M O R T - MORTGAGE: $173,300.00 AMOUNT DUE AND CLAIMED TO BE GAGE IDENTIFICATION NUMBER ON DUE AS OF DATE OF NOTICE, INCLUDMORTGAGE: 100425240011829774 ING TAXES, IF ANY, PAID BY MORTLENDER OR BROKER AND MORTG A G E O R I G I N A T O R S T A T E D O N GAGEE: $165,303.87 That prior to the commencement of MORTGAGE: First Franklin R E S I D E N T I A L M O R T G A G E S E R - this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee comVICER: Home Loan Services, Inc. MORTGAGED PROPERTY ADDRESS: plied with all notice requirements as 1901 Melody Lane, Burnsville, MN required by statute; That no action or proceeding has been instituted at law 55337 or otherwise to recover the debt TAX PARCEL I.D. #: 026900002004 LEGAL DESCRIPTION OF PROP- secured by said mortgage, or any part thereof; ERTY: PURSUANT to the power of sale conLot Two (2), Block Four (4) in Skyline View Addition, according to the tained in said mortgage, the above Recorded plat thereof on file and of described property will be sold by the record in the Office of the Registrar Sheriff of said county as follows: DATE AND TIME OF SALE: March of Titles in and for Dakota County, 10, 2010 at 10:00 AM Minnesota. PLACE OF SALE: S h e r i f f ' s O f f i c e , COUNTY IN WHICH PROPERTY IS Law Enforcement Center, 1580 Hwy LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said MORTGAGE: $233,000.00 AMOUNT DUE AND CLAIMED TO BE Mortgage, and taxes, if any, on said DUE AS OF DATE OF NOTICE, INCLUD- premises, and the costs and disburseING TAXES, IF ANY, PAID BY MORT- m e n t s , i n c l u d i n g a t t o r n e y s ' f e e s allowed by law subject to redemption GAGEE: $271,858.82 That prior to the commencement of within six (6) months from the date of this mortgage foreclosure proceeding said sale by the mortgagor(s), their Mortgagee/Assignee of Mortgagee com- personal representatives or assigns plied with all notice requirements as unless reduced to Five (5) weeks under required by statute; That no action or MN Stat. §580.07. TIME AND DATE TO VACATE PROPproceeding has been instituted at law or otherwise to recover the debt E R T Y : I f t h e r e a l e s t a t e i s a n secured by said mortgage, or any part owner-occupied, single-family dwelling, unless otherwise provided by law, thereof; PURSUANT to the power of sale con- the date on or before which the morttained in said mortgage, the above gagor(s) must vacate the property if the described property will be sold by the mortgage is not reinstated under section 580.30 or the property is not Sheriff of said county as follows: DATE AND TIME OF SALE: March 4, redeemed under section 580.23 is 11:59 p.m. on September 10, 2010. 2010 at 10:00 AM MORTGAGOR(S) RELEASED FROM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, FINANCIAL OBLIGATION ON MORTGAGE: None Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said ��

PUBLIC NOTICE

�� By: �� Paul A. Weingarden Attorneys for Mortgagee/Assignee �� GAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 6, 2010. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7665 1193178248 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2039262 1/14-2/18/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 30, 2007 MORTGAGOR: Amanda Berendt, a single person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded June 15, 2007, Dakota County Recorder, Document No. 2524407. ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: June 18, 2009, Recorded: June 24, 2009, Document No. 2666354. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100131022606928251 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: American Mortgage Network, Inc. RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 7441 143rd Street Court West, Apple Valley, MN 55124 TAX PARCEL I.D. #: 01-31102-010-01 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 1, Greenleaf Townhouses 3rd Addition, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $134,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $152,005.94 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 11, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 13, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 7, 2010. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden

Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7623 1980174748 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2039465 1/14-2/18/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 16, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $124,000.00 MORTGAGOR(S): Marc E. Rohricht and Sovanny Rohricht, Husband and Wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 06, 2005 Dakota County Recorder Document Number: 2367892 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1002812-5980674200-3 Lender or Broker: Platinum Lending Corporation Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 3271 Hill Ridge Dr, Eagan, MN 55121-1749 Tax Parcel ID Number: 10-41300-027-05 LEGAL DESCRIPTION OF PROPERTY: Unit No. 27, Common Interest Comunity No. 358, Cedar Bluff Townhome Condominium, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $125,544.72 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 04, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 04, 2010, or the next business day if September 04, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 14, 2010 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011631F01 2037593 1/14-2/18/10

PUBLIC NOTICE

2472519. ASSIGNMENTS OF MORTGAGE: Assigned to: Merchants Bank, N.A. Winona, Dated: October 25, 2006, Recorded: October 31, 2006, Document No. 2472520. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Merchants Bank, N.A. Hampton RESIDENTIAL MORTGAGE SERVICER: Merchants Bank, N.A. MORTGAGED PROPERTY ADDRESS: 1944 Timber Wolf Trail South, Eagan, MN 55122 TAX PARCEL I.D. #: 10-48050-055-01 LEGAL DESCRIPTION OF PROPERTY: Lot 55, Block 1, Meadowland First Addition, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $251,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $249,895.15 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 4, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 7, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 5, 2010. Merchants Bank, N.A. - Winona Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 94-381 16006958 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2038958 1/14-2/18/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: March 20, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $154,880.00 MORTGAGOR(S): Darrow T Scroggins and Amy Scroggins, husband and wife MORTGAGEE: First Mortgage Financial Corporation DATE AND PLACE OF RECORDING: Recorded: May 01, 2003 Dakota County Recorder Document Number: 2040932 ASSIGNMENTS OF MORTGAGE: And assigned to: TCF Mortgage Corporation Dated: March 25, 2003 Recorded: May 01, 2003 Dakota County Recorder Document Number: 2040933 And assigned to: Mortgage Electronic Registration Systems, Inc. Dated: May 01, 2006 Recorded: May 12, 2006 Dakota County Recorder Document Number: 2428783 And assigned to: U.S. Bank National Association Dated: December 28, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001830080 Lender or Broker: First Mortgage Financial Corporation Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable

Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 15105 County Road 5, Burnsville, MN 55306-5319 Tax Parcel ID Number: 02-54550-110-04 LEGAL DESCRIPTION OF PROPERTY: Lot 11, Block 4, Orchard Manor, according to the plat thereof on file or of record in the Office of the County Recorder in and for Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $128,461.97 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 04, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 04, 2010, or the next business day if September 04, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 14, 2010 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011340F01 2037666 1/14-2/18/10

PUBLIC NOTICE

tained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 11, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 13, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 7, 2010. JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-1705 8403385605 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2039133 1/14-2/18/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN, that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 30, 2007. MORTGAGOR(S): Hieuduc D. Nguyen, a married man. MORTGAGEE: InterBay Funding, LLC. DATE AND PLACE OF RECORDING: Filed September 20, 2007, Dakota County Recorder, as Document No. 2545213. ASSIGNMENT(S) OF MORTGAGE: Assigned to Bayview Loan Servicing, LLC, by assignment dated January 31, 2008, filed for record March 10, 2008, as Document No. 2576797. The land described in said mortgage is not registered land. MORTGAGE HOLDER (as defined in section 58.02): Transaction Agent: NA. Transaction Agent's Mortgage Identification Number on Mortgage: NA. Lender or Broker: Bayview Loan Servicing, LLC. Residential Mortgage Servicer: NA. MORTGAGE ORIGINATOR (as defined in section 58.02): InterBay Funding, LLC. MORTGAGED PROPERTY ADDRESS: 529 Concord Street, North St. Paul, MN 55075. TAX PARCEL I.D. NO.: 36-24750-020-04. LEGAL DESCRIPTION OF PROPERTY: Lots 1 and 2, Block 4, Eureka Improvement Co's Rearrangement "A"; together with (I) all buildings and improvements located on the property and (II) all machinery, equipment, fixtures and personal property located on the property owned by the mortgagor(s) and used in connection with the operation and occupancy thereof. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota. ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $166,500.00. AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THIS NOTICE: $176,540.83. The holder of the mortgage has complied with all conditions precedent to acceleration of the debt secured by the mortgage and foreclosure of the mortgage and all notice and other requirements of applicable statutes. That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof. PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 11, 2010 at 10:00 a.m. PLACE OF SALE: Dakota County Sheriff's Office, Law Enforcement Center, 1580 Highway 55, Hastings, MN 55033, to pay the debt then secured by said mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.23, the Mortgagor

Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 11, 2010, or the next business day if September 11, 2010 falls on a Saturday, Sunday or legal holiday. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None. Dated: January 4, 2010. BAYVIEW LOAN SERVICING, LLC, Assignee /s/ Anna C. Mickelson ANNA C. MICKELSON -forAtty. I.D. #347814 MURNANE BRANDT Attorneys for Assignee 30 East Seventh Street, Suite 3200 St. Paul, Minnesota 55101 Telephone (651) 227-9411 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1035936 2037456 1/14-2/18/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: September 8, 2006 MORTGAGORS: Cynthia Cervantes and Fernando Cervantes, wife and husband. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded September 20, 2006, Dakota County Recorder, Document No. 2462670. ASSIGNMENTS OF MORTGAGE: Assigned to: Deutsche Bank National Trust Company, as Trustee for First Franklin Mortgage Loan Trust 2006-FF16, Asset-Backed Certificates, Series 2006-FF16, Dated: December 9, 2009. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100425240010107768 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Franklin RESIDENTIAL MORTGAGE SERVICER: Home Loan Services, Inc. MORTGAGED PROPERTY ADDRESS: 4449 Clover Lane Unit B, Eagan, MN 55122 TAX PARCEL I.D. #: 10-22750-050-03 LEGAL DESCRIPTION OF PROPERTY: Lot 5, Block 3, Eden Addition, together with the benefits as contained in Document No. 561844, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $150,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $155,251.15 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 4, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 7, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 6, 2010. Deutsche Bank National Trust Company, as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden

��

By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 76-3557 1044763672 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2039170 1/14-2/18/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 17, 2005 MORTGAGORS: M i c h e l l e R . L u c io and Russell J. Lucio, wife and husband. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded August 25, 2005, Dakota County Recorder, Document No. 2354770. ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: December 31, 2009. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100013900796592644 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Irwin Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 2725 71st Street East, Inver Grove Heights, MN 55076 TAX PARCEL I.D. #: 20-48625-030-04 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 4, Michael D. DuPont's 4th Addition Country Meadows, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $245,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $250,612.95 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 9, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 9, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 6, 2010. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7649 1960416527 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2039285 1/14-2/18/10

PUBLIC NOTICE

NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 5, 2007 MORTGAGORS: Thomas J. Kyllo and Caroline E. Kolesar, both single. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded May 11, 2007, Dakota County Recorder, Document No. 2516434. ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: January 5, 2010. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100015901074406786 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: CTX Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 19873 Escalade Way, Farmington, MN 55024 TAX PARCEL I.D. #: 14-16600-040-06 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 6, Charleswood Crossing. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $324,372.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $345,079.02 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 11, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 13, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 6, 2010. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6891 1911355732 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2039272 1/14-2/18/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 07, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $227,000.00 MORTGAGOR(S): David J. Hanner and Ann M. Hanner, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: June 26, 2006 Dakota County Recorder Document Number: 2440659 ASSIGNMENTS OF MORTGAGE: And assigned to: Provident Funding Associates, L.P. Dated: December 31, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1000179-3516050114-0 Lender or Broker: Provident Funding Associates, L.P. Residential Mortgage Servicer: Provident Funding Associates Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 17800 Jamaica Cir, Lakeville, MN 55044-9520 Tax Parcel ID Number:

Tax Parcel ID Number: 22-53502-150-03 LEGAL DESCRIPTION OF PROPERTY: Lot 15, Block 3, Oak Hills third Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $240,754.19 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 01, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 01, 2010, or the next business day if September 01, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 14, 2010 ASSIGNEE OF MORTGAGEE: Provident Funding Associates, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008384F01 2035534 1/14-2/18/10

PUBLIC NOTICE

NOTICE OF ASSESSMENT LIEN FORECLOSURE SALE Date: December 18, 2009 YOU ARE NOTIFIED THAT: 1. Default has occurred in the terms and conditions of the Declaration of Gardenview Place Association (hereinafter the "Association") which was recorded as Document No. 1109609 on March 29, 1993, in the Office of the Dakota County Recorder, covering the following property: L E G A L D E S C R I P T I O N : Lot 2, Block 1, Gardenview Place First Addition, Dakota County, Minnesota STREET ADDRESS: 14306 Hickory Court, Apple Valley, MN 55124 P A R C E L I D N U M B E R : 01-28950-020-01 2. Pursuant to said Declaration, there is claimed to be due and owing as of December 18, 2009, from Diana G. Williams, title holder, to the Association, a Minnesota non-profit corporation, the amount of $11,820.36 for unpaid association dues, late fees, attorneys fees and costs, plus any other such amounts that will accrue after December 18, 2009, and other costs of collection and foreclosure which will be added to the amount claimed due and owing at the time of the sale herein. 3. No action is now pending at law or otherwise to recover said debt or any part thereof. 4. That all preforeclosure requirements have been met. 5. The owner has not been released from her financial obligation to pay said amount. 6. The Declaration, referenced above provides for a continuing lien against the property. An Amended and Superceding Notice of Lien evidencing the amount due was recorded on September 30, 2009, as Document No. 2687540 in the Dakota County Recorder's Office, amending Notice of Lien filed November 10, 2008 as Document No. 2622162. 7. Pursuant to the power of sale contained in the same Declaration and granted by the owner in taking title to the premises subject to said Declaration, said Lien will be foreclosed by the sale of said property by the Sheriff of Dakota County, at the Dakota County Sheriffs Office, Dakota County Law Enforcement Center, 1580 Highway 55 Lobby S-100, Hastings, MN 55033, on the 4th day of March, 2010, at 10:00 a.m. at public auction to the highest bidder, to pay the amount then due for said assessments, together with the costs of foreclosure, including attorneys fees as allowed by law.

ing attorneys fees as allowed by law. 8. T h e t i m e a l l o w e d b y l a w f o r redemption by the unit owner, her personal representatives or assigns is six (6) months from the date of sale. The date and time to vacate the property is 11:59 p.m. on September 4, 2010, if the account is not reinstated or the owner does not redeem from the foreclosure sale. REDEMPTION NOTICE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. 9. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. GARDENVIEW PLACE ASSOCIATION Attorneys for Gardenview Place Association: THOMSEN & NYBECK, P.A. By: ______________________________ Gretchen S. Schellhas (#195595) 3600 American Blvd. West, Suite 400 Bloomington, Minnesota 55431 (952) 835-7000 (Gardenview Place/Williams/09-7-635D)

2034728

1/14-2/18/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 3, 2005 MORTGAGORS: Christina Kochendorfer and Jay Kochendorfer, wife and husband. MORTGAGEE:Commonwealth United Mortgage a division of National City Bank of Indiana. DATE AND PLACE OF RECORDING: Recorded November 16, 2005, Dakota County Recorder, Document No. 2381600. ASSIGNMENTS OF MORTGAGE: Assigned to: PNC Bank, National Association s/b/m to National City Mortgage Co., a subsidiary of National City Bank of Indiana n/k/a National City Bank, Dated August 30, 2006, Recorded: September 21, 2006, Document No. 2462923. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Commonwealth United Mortgage a division of National City Bank of Indiana RESIDENTIAL MORTGAGE SERVICER: PNC Bank, National Association MORTGAGED PROPERTY ADDRESS: 1701 Meadowview Court, Hastings, MN 55033 TAX PARCEL I.D. #: 19-83230-010-07 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 7, Wallin Addition. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $400,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $393,457.06 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 11, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 13, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION

��

�� J. Loewen, a Jed�� MORTGAGOR(S): MINNESOTA STATUTES, SECTION�� 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G single person OTHER THINGS, THAT THE MORTMORTGAGEE: Anchor Bank, West GAGED PREMISES ARE IMPROVED St. Paul, N.A. DATE AND PLACE OF RECORDING: WITH A RESIDENTIAL DWELLING OF Recorded: January 28, 2003 Dakota LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL County Recorder Document Number: 1990648 P R O D U C T I O N , A N D A R E ASSIGNMENTS OF MORTGAGE: ABANDONED." And assigned to: TCF Mortgage CorDated: January 7, 2010. poration PNC Bank, National Association Dated: November 15, 2002 Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Recorded: January 28, 2003 Dakota By: Paul A. Weingarden County Recorder Attorneys for Mortgagee/Assignee of Document Number: 1990649 Mortgagee And assigned to: Mortgage Elec4500 Park Glen Road #300 tronic Registration Systems, Inc. Minneapolis, MN 55416 Dated: May 01, 2006 (952) 925-6888 Recorded: May 15, 2006 Dakota 4-1902 County Recorder 0004339211 Document Number: 2429811 And assigned to: U.S. Bank National THIS IS A COMMUNICATION FROM Association A DEBT COLLECTOR. 2038843 1/14-2/18/10 Dated: January 06, 2010 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage IdentifiNOTICE OF cation Number: 100021248001798303 MORTGAGE FORECLOSURE SALE Lender or Broker: Anchor Bank, N O T I C E I S H E R E B Y G I V E N t h a t West St. Paul, N.A. default has occurred in the conditions Residential Mortgage Servicer: U.S. of the following described mortgage: Bank Home Mortgage DATE OF MORTGAGE: April 11, 2006 Mortgage Originator: Not Applicable ORIGINAL PRINCIPAL AMOUNT OF COUNTY IN WHICH PROPERTY IS MORTGAGE: $184,800.00 LOCATED: Dakota MORTGAGOR(S): Jeremy A Seykora Property Address: 7214 158th St W, and Alyssa A Seykora, husband and Apple Valley, MN 55124-5937 wife Tax Parcel ID Number: MORTGAGEE: Mortgage Electronic 01-11650-010-06 Registration Systems, Inc. LEGAL DESCRIPTION OF PROPDATE AND PLACE OF RECORDING: ERTY: Lot 1, Block 6, Apple Ponds, Recorded: April 28, 2006 Dakota Dakota County, Minnesota. County Recorder AMOUNT DUE AND CLAIMED TO BE Document Number: 2424136 DUE AS OF DATE OF NOTICE: Transaction Agent: Mortgage Elec- $109,791.04 tronic Registration Systems, Inc. THAT all pre-foreclosure requireTransaction Agent Mortgage Identifi- ments have been complied with; that cation Number: 100131020603006543 no action or proceeding has been instiLender or Broker: American Mort- tuted at law or otherwise to recover the gage Network, Inc. debt secured by said mortgage, or any Residential Mortgage Servicer: Lit- part thereof; ton Loan Servicing, LP PURSUANT to the power of sale conMortgage Originator: Not Applicable tained in said mortgage, the COUNTY IN WHICH PROPERTY IS above-described property will be sold LOCATED: Dakota by the Sheriff of said county as folProperty Address: 15117 Cimarron lows: Way, Rosemount, MN 55068-1799 DATE AND TIME OF SALE: March T a x P a r c e l I D N u m b e r : 04, 2010 at 10:00 AM 34-83610-910-01 PLACE OF SALE: Dakota County L E G A L D E S C R I P T I O N O F P R O P - Law Enforcement Center, 1580 HighERTY: Lot 91, Block 1, Wensmann way 55, Lobby S-100, Hastings, Minne11th Addition, CIC No. 252 sota AMOUNT DUE AND CLAIMED TO BE to pay the debt secured by said mortD U E A S O F D A T E O F N O T I C E : gage and taxes, if any, on said pre$209,769.41 mises and the costs and disburseTHAT all pre-foreclosure requirements, including attorney fees allowed ments have been complied with; that by law, subject to redemption within no action or proceeding has been insti- six (6) months from the date of said tuted at law or otherwise to recover the sale by the mortgagor(s), their perdebt secured by said mortgage, or any sonal representatives or assigns. part thereof; If the Mortgage is not reinstated PURSUANT to the power of sale con- under Minn. Stat. §580.30 or the propt a i n e d i n s a i d m o r t g a g e , t h e erty is not redeemed under Minn. Stat. above-described property will be sold §580.23, the Mortgagor must vacate by the Sheriff of said county as fol- the property on or before 11:59 p.m. on lows: September 04, 2010, or the next busiDATE AND TIME OF SALE: March ness day if September 04, 2010 falls on 02, 2010 at 10:00 AM a Saturday, Sunday or legal holiday. PLACE OF SALE: Dakota County Mortgagor(s) released from financial Law Enforcement Center, 1580 High- obligation: NONE way 55, Lobby S-100, Hastings, MinneTHIS COMMUNICATION IS FROM sota A DEBT COLLECTOR ATTEMPTto pay the debt secured by said mort- ING TO COLLECT A DEBT. ANY gage and taxes, if any, on said pre- INFORMATION OBTAINED WILL BE mises and the costs and disburse- USED FOR THAT PURPOSE. ments, including attorney fees allowed THE RIGHT TO VERIFICATION OF by law, subject to redemption within THE DEBT AND IDENTITY OF THE six (6) months from the date of said ORIGINAL CREDITOR WITHIN THE sale by the mortgagor(s), their per- T I M E P R O V I D E D B Y L A W I S N O T sonal representatives or assigns. AFFECTED BY THIS ACTION. If the Mortgage is not reinstated THE TIME ALLOWED BY LAW FOR under Minn. Stat. §580.30 or the prop- REDEMPTION BY THE MORTGAGOR, erty is not redeemed under Minn. Stat. THE MORTGAGOR'S PERSONAL REP§580.23, the Mortgagor must vacate RESENTATIVES OR ASSIGNS, MAY BE the property on or before 11:59 p.m. on REDUCED TO FIVE WEEKS IF A JUDISeptember 02, 2010, or the next busi- CIAL ORDER IS ENTERED UNDER ness day if September 02, 2010 falls on MINNESOTA STATUTES, SECTION a Saturday, Sunday or legal holiday. 582.032, DETERMINING, AMONG Mortgagor(s) released from financial OTHER THINGS, THAT THE MORTobligation: NONE GAGED PREMISES ARE IMPROVED THIS COMMUNICATION IS FROM WITH A RESIDENTIAL DWELLING OF A DEBT COLLECTOR ATTEMPT- LESS THAN FIVE UNITS, ARE NOT ING TO COLLECT A DEBT. ANY PROPERTY USED IN AGRICULTURAL INFORMATION OBTAINED WILL BE PRODUCTION, AND ARE ABANDONED. USED FOR THAT PURPOSE. DATED: January 14, 2010 THE RIGHT TO VERIFICATION OF ASSIGNEE OF MORTGAGEE: THE DEBT AND IDENTITY OF THE U.S. Bank National Association ORIGINAL CREDITOR WITHIN THE Wilford & Geske, P.A. T I M E P R O V I D E D B Y L A W I S N O T Attorneys for Assignee of Mortgagee AFFECTED BY THIS ACTION. Lawrence A. Wilford THE TIME ALLOWED BY LAW FOR James A. Geske REDEMPTION BY THE MORTGAGOR, 8425 Seasons Parkway, Suite 105 THE MORTGAGOR'S PERSONAL REP- Woodbury, MN 55125-4393 RESENTATIVES OR ASSIGNS, MAY BE (651) 209-3300 REDUCED TO FIVE WEEKS IF A JUDI- File Number: 009144F01 CIAL ORDER IS ENTERED UNDER 2037528 1/14-2/18/10 MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED NOTICE OF WITH A RESIDENTIAL DWELLING OF MORTGAGE FORECLOSURE SALE LESS THAN FIVE UNITS, ARE NOT NOTICE IS HEREBY GIVEN that PROPERTY USED IN AGRICULTURAL default has occurred in the conditions PRODUCTION, AND ARE ABANDONED. of the following described mortgage: DATED: January 14, 2010 DATE OF MORTGAGE: January 12, MORTGAGEE: Mortgage Electronic 2005 Registration Systems, Inc. ORIGINAL PRINCIPAL AMOUNT OF Wilford & Geske, P.A. MORTGAGE: $238,500.00 Attorneys for Mortgagee MORTGAGOR(S): Stephen F Golz and Lawrence A. Wilford Kelly A Golz, husband and wife James A. Geske MORTGAGEE: American Equity 8425 Seasons Parkway, Suite 105 Mortgage, Inc. Woodbury, MN 55125-4393 DATE AND PLACE OF RECORDING: (651) 209-3300 Recorded: April 21, 2005 Dakota File Number: 011791F01 County Recorder 2039332 1/14-2/18/10 Document Number: 2314560 ASSIGNMENTS OF MORTGAGE: And assigned to: Nationstar Mortgage LLC, f/k/a Centex Home Equity NOTICE OF Company, LLC MORTGAGE FORECLOSURE SALE Dated: June 27, 2005 NOTICE IS HEREBY GIVEN that Recorded: July 01, 2005 Dakota default has occurred in the conditions County Recorder of the following described mortgage: Document Number: 2336250 DATE OF MORTGAGE: November 15, Transaction Agent: Not Applicable 2002 Transaction Agent Mortgage IdentifiORIGINAL PRINCIPAL AMOUNT OF cation Number: Not Applicable MORTGAGE: $161,250.00 MORTGAGOR(S): Jed J. Loewen, a ��

PUBLIC NOTICE

�� MORTGAGE: �� $120,800.00 AMOUNT DUE AND CLAIMED TO BE �� cation Number: Not Applicable Lender or Broker: American Equity Mortgage, Inc. Residential Mortgage Servicer: Nationstar Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1375 Oakdale Ave, Saint Paul, MN 55118-3211 Tax Parcel ID Number: 42-32500-010-01 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 1, Henrietta Addition, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $270,213.51 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 04, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 04, 2010, or the next business day if September 04, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 14, 2010 ASSIGNEE OF MORTGAGEE: Nationstar Mortgage LLC, f/k/a Centex Home Equity Company, LLC Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010904F01 2037955 1/14-2/18/10

PUBLIC NOTICE

DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $115,229.98 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 25, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 25, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 31, 2009. U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-616 4800190679 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2039064 1/14-2/18/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 14, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $148,000.00 MORTGAGOR(S): Denise Resendez, fka Denise Larson, and Gregory Resendez, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: January 24, 2006 Dakota County Recorder Document Number: 2399591 LOAN MODIFICATION: Dated: October 30, 2007 Recorded: July 31, 2009 Document Number: 2675140 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100220710000089421 Lender or Broker: Maribella Mortgage, LLC Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 16128 Foliage Ave W, Rosemount, MN 55068-1267 Tax Parcel ID Number: 22-75900-010-07 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 7, The Townhouses of Shannon 1st Addition, together with the easement for access, party walls, utilities, recreation facilities and parking facilities as contained in Document No. 417233, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $144,526.22 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 08, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within

by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 08, 2010, or the next business day if September 08, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 21, 2010 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011969F01 2044889 1/21-2/25/10

PUBLIC NOTICE

THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 14, 2010. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6873 1942909952 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2046903 1/21-2/25/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 10, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $219,000.00 MORTGAGOR(S): Steven Howser, a single man MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: September 25, 2007 Dakota County Recorder Document Number: 2546256 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, LP Dated: January 19, 2010 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100315900000058452 Lender or Broker: River City Mortgage & Financial LLC Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 26026 Chippendale Ave, Northfield, MN 55057-5318 Tax Parcel ID Number: 070290001029 LEGAL DESCRIPTION OF PROPERTY: The North Two Hundred Thirty (230) Feet of the West Two Hundred Sixty (260) feet of the North Four Hundred Sixty (460) feet of the Northwest Quarter of the Northwest Quarter (NW1/4 of NW 1/4) of Section Twentynine (29), Township One Hundred Thirteen (113), Range Nineteen (19), Dakota County, Minnesota, according to the Government Survey thereof AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $225,352.81 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 11, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 11, 2010, or the next business day if September 11, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 21, 2010 ASSIGNEE OF MORTGAGEE:

ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, LP Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010230F01 2047145 1/21-2/25/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN: That default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 26, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $384,000.00 MORTGAGOR(S): Donna M Bunes, a married woman MORTGAGEE: New Century Mortgage Corporation SERVICER: Ocwen Loan Servicing, LLC LENDER: New Century Mortgage Corporation. DATE AND PLACE OF FILING: Dakota County Minnesota, Recorder, on September 20, 2005, as Document No. 2362324 ASSIGNED TO: Deutsche Bank National Trust Company, As Trustee For The Registered Holders Of New Century Home Equity Loan Trust, Series 2005-B, Asset Backed Pass-Through Certificates Dated: November 1, 2005 and recorded January 28, 2009 by Document No. 2633292 . LEGAL DESCRIPTION OF PROPERTY: Lot 14 Block 2 Cedar Highlands 1st Addition PROPERTY ADDRESS: 7423 170th Street West, Lakeville, MN 55044 PROPERTY I.D: 22-1670-01-40-02 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: Four Hundred Twenty-One Thousand Three Hundred Seventeen and 29/100 ($421,317.29) THAT no action or proceeding has been instituted at law to recover the debt secured by said mortgage, or any part thereof; that there has been compliance with all pre-foreclosure notice and acceleration requirements of said mortgage, and/or applicable statutes; PURSUANT, to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: 10:00 AM on March 9, 2010 PLACE OF SALE: Sheriff`s Mai n Office, Law Enforcement Center, 1580 Highway 55, Hastings MN 55033-2343 to pay the debt then secured by said mortgage and taxes, if any actually paid by the mortgagee, on the premises and the costs and disbursements allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is 6 months from the date of sale. "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR`S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 21, 2010 Deutsche Bank National Trust Company, As Trustee For The Registered Holders Of New Century Home Equity Loan Trust, Series 2005-B, Asset Backed Pass-Through Certificates Randall S. Miller & Associates, P.C. Attorneys for Assignee of Mortgage/Mortgagee One Financial Plaza, 120 South Sixth Street, Suite 1100 Minneapolis, MN 55402 Phone: 612-573-3677 Our File No. 09MN00144-1 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. ASAP# 3414402 01/21/2010, 01/28/2010, 02/04/2010, 02/11/2010, 02/18/2010, 02/25/2010 2044911 1/21-2/25/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: January 07, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $70,000.00 MORTGAGOR(S): Dona L Synstegard, a single person MORTGAGEE: Postal Credit Union DATE AND PLACE OF RECORDING: Recorded: January 29, 2004 Dakota County Recorder Document Number: 2169863 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Postal Credit Union Residential Mortgage Servicer: Postal Credit Union

Credit Union Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4204 Yew Pt, Eagan, MN 55122-1892 Tax Parcel ID Number: 10-14800-370-01 LEGAL DESCRIPTION OF PROPERTY: Lot 37, Block 1, Boulder Ridge, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $67,773.53 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 11, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 11, 2010, or the next business day if September 11, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 21, 2010 MORTGAGEE: Postal Credit Union Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011627F01 2043292 1/21-2/25/10

PUBLIC NOTICE

��

or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 16, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 16, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 13, 2010. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7597 1064079750 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2045767 1/21-2/25/10

PUBLIC NOTICE

MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 16, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 12, 2010. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-3000 1120630571 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2044720 1/21-2/25/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 30, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $191,496.00 MORTGAGOR(S): Gloria Olga Chavez and Hector Chavez, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: August 14, 2006 Dakota County Recorder Document Number: 2453342 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100194450002252915 Lender or Broker: Fremont Investment and Loan Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 15021 Tyacke Dr, Burnsville, MN 55306-5039 Tax Parcel ID Number: 02-18601-010-04 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 4, Crystal Lake Terrace Second Addition, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $213,399.12 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 08, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 08, 2010, or the next business day if September 08, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 21, 2010 MORTGAGEE: Mortgage Electronic

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011868F01 2042178 1/21-2/25/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: March 15, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $196,800.00 MORTGAGOR(S): Carolynn M Hendricks, a single woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: April 12, 2006 Dakota County Recorder Document Number: 2419993 ASSIGNMENTS OF MORTGAGE: And assigned to: Suntrust Mortgage, Inc. Dated: January 12, 2010 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100010402032175915 Lender or Broker: Minnesota Lending Company Residential Mortgage Servicer: SunTrust Mortgage, Inc. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 8399 Lower 208th St W, Lakeville, MN 55044-9199 Tax Parcel ID Number: 22-56701-050-01 LEGAL DESCRIPTION OF PROPERTY: Lot 5, Block 1, Park Terrace 2nd Addition, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $204,034.78 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 11, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 11, 2010, or the next business day if September 11, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 21, 2010 ASSIGNEE OF MORTGAGEE: Suntrust Mortgage, Inc. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011709F01 2046238 1/21-2/25/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 25, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $122,500.00 MORTGAGOR(S): Richard Boals, an unmarried man MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: November 07, 2005 Dakota County Recorder Document Number: 2378870 ASSIGNMENTS OF MORTGAGE: And assigned to: The Bank of New York Mellon fka the Bank of New York as Trustee for the Certificateholders

as Trustee for the Certificateholders CWALT, Inc. Alternative Loan Trust 2005-76 Mortgage Pass-through Certificates, Series 2005-76 Dated: January 13, 2010 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100133700010176215 Lender or Broker: Countrywide Bank, N.A. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 3898 Rahn Rd, Eagan, MN 55122-1523 Tax Parcel ID Number: 10-84700-020-01 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 1, Woodhaven Addition and an undivided 1/4 interest in Lot 1, Block 1, Woodhaven Addition, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $138,015.90 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 11, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 11, 2010, or the next business day if September 11, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 21, 2010 ASSIGNEE OF MORTGAGEE: The Bank of New York Mellon fka the Bank of New York as Trustee for the Certificateholders CWALT, Inc. Alternative Loan Trust 2005-76 Mortgage Pass-through Certificates, Series 2005-76 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010725F01 2042858 1/21-2/25/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 22, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $178,448.00 MORTGAGOR(S): Jamie L Lindquist, an unmarried woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: July 06, 2006 Dakota County Recorder Document Number: 2443016 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100010401451739698 Lender or Broker: Suntrust Mortgage, Inc. Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 823 Tamarack Trl, Farmington, MN 55024-7128 Tax Parcel ID Number: 14-74902-205-06 LEGAL DESCRIPTION OF PROPERTY: Unit No. 1205, Tamarack Ridge Carriage Homes, Common Interest Community No. 294 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $180,669.07 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the

��

��to�� recover the�� tuted at law or otherwise Mortgagor(s) released from financial debt secured by said mortgage, or any obligation: NONE part thereof; THIS COMMUNICATION IS FROM PURSUANT to the power of sale con- A DEBT COLLECTOR ATTEMPTt a i n e d i n s a i d m o r t g a g e , t h e ING TO COLLECT A DEBT. ANY above-described property will be sold INFORMATION OBTAINED WILL BE by the Sheriff of said county as fol- USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF lows: DATE AND TIME OF SALE: March THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE 08, 2010 at 10:00 AM PLACE OF SALE: Dakota County T I M E P R O V I D E D B Y L A W I S N O T Law Enforcement Center, 1580 High- AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR way 55, Lobby S-100, Hastings, MinneREDEMPTION BY THE MORTGAGOR, sota to pay the debt secured by said mort- THE MORTGAGOR'S PERSONAL REPgage and taxes, if any, on said pre- RESENTATIVES OR ASSIGNS, MAY BE mises and the costs and disburse- REDUCED TO FIVE WEEKS IF A JUDIments, including attorney fees allowed CIAL ORDER IS ENTERED UNDER by law, subject to redemption within MINNESOTA STATUTES, SECTION six (6) months from the date of said 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G sale by the mortgagor(s), their per- OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED sonal representatives or assigns. If the Mortgage is not reinstated WITH A RESIDENTIAL DWELLING OF under Minn. Stat. §580.30 or the prop- LESS THAN FIVE UNITS, ARE NOT erty is not redeemed under Minn. Stat. PROPERTY USED IN AGRICULTURAL §580.23, the Mortgagor must vacate PRODUCTION, AND ARE ABANDONED. DATED: January 21, 2010 the property on or before 11:59 p.m. on MORTGAGEE: Mortgage Electronic September 08, 2010, or the next busiRegistration Systems, Inc. ness day if September 08, 2010 falls on Wilford & Geske, P.A. a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial Attorneys for Mortgagee Lawrence A. Wilford obligation: NONE THIS COMMUNICATION IS FROM James A. Geske A DEBT COLLECTOR ATTEMPT- 8425 Seasons Parkway, Suite 105 ING TO COLLECT A DEBT. ANY Woodbury, MN 55125-4393 INFORMATION OBTAINED WILL BE (651) 209-3300 File Number: 011700F01 USED FOR THAT PURPOSE. 1/21-2/25/10 THE RIGHT TO VERIFICATION OF 2046406 THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT NOTICE OF AFFECTED BY THIS ACTION. MORTGAGE FORECLOSURE SALE THE TIME ALLOWED BY LAW FOR N O T I C E I S HEREBY GIVEN that REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REP- default has occurred in the conditions RESENTATIVES OR ASSIGNS, MAY BE of the following described mortgage: DATE OF MORTGAGE: September REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER 29, 2003 ORIGINAL PRINCIPAL AMOUNT OF MINNESOTA STATUTES, SECTION 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G MORTGAGE: $177,837.00 MORTGAGOR(S): Edward Ketcham OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED and Jennifer Ketcham, Husband and WITH A RESIDENTIAL DWELLING OF Wife MORTGAGEE: Mortgage Electronic LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL Registration Systems, Inc. DATE AND PLACE OF RECORDING: PRODUCTION, AND ARE ABANDONED. Recorded: November 07, 2003 DATED: January 21, 2010 Dakota County Recorder MORTGAGEE: Mortgage Electronic Document Number: 2137622 Registration Systems, Inc. ASSIGNMENTS OF MORTGAGE: Wilford & Geske, P.A. And assigned to: BAC Home Loans Attorneys for Mortgagee Servicing, LP Lawrence A. Wilford Dated: January 18, 2010 James A. Geske Transaction Agent: Mortgage Elec8425 Seasons Parkway, Suite 105 tronic Registration Systems, Inc. Woodbury, MN 55125-4393 Transaction Agent Mortgage Identifi(651) 209-3300 cation Number: 100177700000295824 File Number: 011975F01 Lender or Broker: Home Town Mort2044882 1/21-2/25/10 gage, Inc. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable NOTICE OF COUNTY IN WHICH PROPERTY IS MORTGAGE FORECLOSURE SALE N O T I C E I S H E R E B Y G I V E N t h a t LOCATED: Dakota Property Address: 8221 Darcy Lane, default has occurred in the conditions Inver Grove Heights, MN 55125 of the following described mortgage: Tax Parcel ID Number: DATE OF MORTGAGE: December 19, 20.18291.490.01 2005 LEGAL DESCRIPTION OF PROPORIGINAL PRINCIPAL AMOUNT OF ERTY: Lot 49, Block 1, Concord ComMORTGAGE: $158,949.00 MORTGAGOR(S): Katie K. Gottas, a mons 2nd Addition. AMOUNT DUE AND CLAIMED TO BE single woman (aka Katie Sullivan) and DUE AS OF DATE OF NOTICE: Robert J. Sullivan, a single man MORTGAGEE: Mortgage Electronic $183,782.52 THAT all pre-foreclosure requireRegistration Systems, Inc. DATE AND PLACE OF REGISTER- ments have been complied with; that no action or proceeding has been instiING: R e g i s t e r e d : D e c e m b e r 2 9 , 2 0 0 5 tuted at law or otherwise to recover the debt secured by said mortgage, or any Dakota County Registrar of Titles part thereof; Document Number: 581892 PURSUANT to the power of sale conTransaction Agent: Mortgage Electained in said mortgage, the tronic Registration Systems, Inc. Transaction Agent Mortgage Identifi- above-described property will be sold by the Sheriff of said county as folcation Number: 100025440002899356 Lender or Broker: Lehman Brothers lows: DATE AND TIME OF SALE: March Bank, FSB R e s i d e n t i a l M o r t g a g e S e r v i c e r : 09, 2010 at 10:00 AM PLACE OF SALE: Dakota County Aurora Loan Services, LLC Law Enforcement Center, 1580 HighMortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: way 55, Lobby S-100, Hastings, Minnesota 138490 COUNTY IN WHICH PROPERTY IS to pay the debt secured by said mortgage and taxes, if any, on said preLOCATED: Dakota Property Address: 17410 Gettysburg mises and the costs and disbursements, including attorney fees allowed Way # 181, Lakeville, MN 55044-4006 T a x P a r c e l I D N u m b e r : by law, subject to redemption within six (6) months from the date of said 22-18604-181-24 L E G A L D E S C R I P T I O N O F P R O P - sale by the mortgagor(s), their perERTY: Unit No. 24181, CIC No. 424, sonal representatives or assigns. Crossroads Condominium, Dakota If the Mortgage is not reinstated County, Minnesota. under Minn. Stat. §580.30 or the propAMOUNT DUE AND CLAIMED TO BE erty is not redeemed under Minn. Stat. D U E A S O F D A T E O F N O T I C E : §580.23, the Mortgagor must vacate $155,181.07 the property on or before 11:59 p.m. on THAT all pre-foreclosure require- September 09, 2010, or the next busiments have been complied with; that ness day if September 09, 2010 falls on no action or proceeding has been insti- a Saturday, Sunday or legal holiday. tuted at law or otherwise to recover the Mortgagor(s) released from financial debt secured by said mortgage, or any obligation: NONE part thereof; that this is registered THIS COMMUNICATION IS FROM property; A DEBT COLLECTOR ATTEMPTPURSUANT to the power of sale con- ING TO COLLECT A DEBT. ANY t a i n e d i n s a i d m o r t g a g e , t h e INFORMATION OBTAINED WILL BE above-described property will be sold USED FOR THAT PURPOSE. by the Sheriff of said county as folTHE RIGHT TO VERIFICATION OF lows: THE DEBT AND IDENTITY OF THE DATE AND TIME OF SALE: March ORIGINAL CREDITOR WITHIN THE 11, 2010 at 10:00 AM TIME PROVIDED BY LAW IS NOT PLACE OF SALE: Dakota County AFFECTED BY THIS ACTION. Law Enforcement Center, 1580 HighTHE TIME ALLOWED BY LAW FOR way 55, Lobby S-100, Hastings, Minne- REDEMPTION BY THE MORTGAGOR, sota THE MORTGAGOR'S PERSONAL REPto pay the debt secured by said mort- RESENTATIVES OR ASSIGNS, MAY BE gage and taxes, if any, on said pre- REDUCED TO FIVE WEEKS IF A JUDImises and the costs and disburse- CIAL ORDER IS ENTERED UNDER ments, including attorney fees allowed MINNESOTA STATUTES, SECTION by law, subject to redemption within 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G six (6) months from the date of said OTHER THINGS, THAT THE MORTsale by the mortgagor(s), their per- GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF sonal representatives or assigns. If the Mortgage is not reinstated LESS THAN FIVE UNITS, ARE NOT under Minn. Stat. §580.30 or the prop- PROPERTY USED IN AGRICULTURAL erty is not redeemed under Minn. Stat. PRODUCTION, AND ARE ABANDONED. DATED: January 21, 2010 §580.23, the Mortgagor must vacate ASSIGNEE OF MORTGAGEE: the property on or before 11:59 p.m. on September 11, 2010, or the next business day if September 11, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial ��

PUBLIC NOTICE

�� ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, LP Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011965F01 2046249 1/21-2/25/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 2 8 , 2005 MORTGAGOR: Brandon D. Mannie, a single person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded November 7, 2005, Dakota County Recorder, Document No. 2378831. ASSIGNMENTS OF MORTGAGE: Assigned to: JPMorgan Chase Bank, National Association, Dated: August 27, 2009, Recorded: September 11, 2009, Document No. 2683764. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100106600070928930 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Draper and Kramer Mortgage Corp. RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 12595 Everest Trail, Apple Valley, MN 55124 TAX PARCEL I.D. #: 01-57675-370-01 LEGAL DESCRIPTION OF PROPERTY: Lot 37, Block 1, Pinecrest Townhomes COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $146,930.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $157,604.58 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 16, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 16, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 14, 2010. JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2445 0641977400 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2046876 1/21-2/25/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 1 7 , 2006 MORTGAGORS: Thomas W. Butera and Angela M. Butera, husband and wife. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded May 8, 2006, Dakota County Recorder, Document No. 2426965. ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: January 8, 2010. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100146401525003813 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Primary Residential Mortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 15515 Cornell Trail, Rosemount, MN 55068 TAX PARCEL I.D. #: 34-81310-230-06 LEGAL DESCRIPTION OF PROPERTY: Lot 23, Block 6, Valley Oak Addition Replat, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $153,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $159,879.52 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 16, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 16, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 12, 2010. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-3046 2003458067 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2046774 1/21-2/25/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: March 06, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $203,000.00 MORTGAGOR(S): Yemane Girmay and Medhin Kahssay, Husband and Wife and Genet Dessalegne, a single woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: April 06, 2007 Dakota County Recorder Document Number: 2508025 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identifi-

Transaction Agent Mortgage Identifi cation Number: 100025440003688006 Lender or Broker: Lehman Brothers Bank, FSB Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 14440 Emerald Path, Apple Valley, MN 55124-6694 Tax Parcel ID Number: 01-23700-220-01 LEGAL DESCRIPTION OF PROPERTY: Lot 22, Block 1, Emerald Point First Addition, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $205,526.67 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 09, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 09, 2010, or the next business day if September 09, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 21, 2010 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011707F01 2046039 1/21-2/25/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: January 18, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $249,000.00 MORTGAGOR(S): Nancy Charlene Johnson, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: January 31, 2007 Dakota County Recorder Document Number: 2492843 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1000392-4160031026-5 Lender or Broker: First Magnus Financial Coporation Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 305 5th Ave S, South Saint Paul, MN 55075-2620 Tax Parcel ID Number: 36-64300-020-09 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 9, Riverside Park Addition, Dakota County Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $256,861.68 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 11, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota

sota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 11, 2010, or the next business day if September 11, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 21, 2010 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011702F01 2046392 1/21-2/25/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: February 17, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $119,400.00 MORTGAGOR(S): Carl Gerke, a single man MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: March 21, 2005 Dakota County Recorder Document Number: 2305910 ASSIGNMENTS OF MORTGAGE: And assigned to: GreenPoint Mortgage Funding, Inc. Dated: December 17, 2008 Recorded: January 12, 2009 Dakota County Recorder Document Number: 2630514 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100013800861389068 Lender or Broker: GreenPoint Mortgage Funding, Inc. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 681 E Burnsville Pkwy, Burnsville, MN 55337-3617 Tax Parcel ID Number: 02-57200-036-00 LEGAL DESCRIPTION OF PROPERTY: Apartment No. 26, Building 6, Condominium File No. 30, Burnsville Townhomes, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $135,847.17 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 11, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 11, 2010, or the next business day if September 11, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT

TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 21, 2010 ASSIGNEE OF MORTGAGEE: GreenPoint Mortgage Funding, Inc. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010414F01 2042194 1/21-2/25/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 2 , 2002 MORTGAGORS: Terry L. Fransen and Cassandra R. Fransen f/k/a Cassandra R. Jarrett, husband and wife. MORTGAGEE: Chase Home Finance LLC f/k/a Chase Manhattan Mortgage Corporation. DATE AND PLACE OF RECORDING: Recorded September 17, 2002, Dakota County Recorder, Document No. 1936522. ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Chase Manhattan Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 4467 Fawn Ridge Trail, Saint Paul, MN 55123 TAX PARCEL I.D. #: 10-25800-160-01 LEGAL DESCRIPTION OF PROPERTY: LOT SIXTEEN (16) BLOCK (1), FAWN RIDGE, DAKOTA COUNTY, MINNESOTA. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $200,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $179,640.50 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 9, 2010 at 10:00 AM PLACE OF SALE: Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 9, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 14, 2010. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden

By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7046 1583616460 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2045853 1/21-2/25/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 15, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $181,440.00 MORTGAGOR(S): John Schwartz, a single man, and Rebekah Tarnowski, a single woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: August 04, 2005 Dakota County Recorder Document Number: 2347763 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100232301120013941 Lender or Broker: Centennial Mortgage & Funding, Inc. Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 2191 Rocky Rapids Way, Eagan, MN 55122-1938 Tax Parcel ID Number: 10-22426-908-03 LEGAL DESCRIPTION OF PROPERTY: Unit 1908, The Enclave at River Ridge, Common Interest Community No. 189, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $187,223.71 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 08, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 08, 2010, or the next business day if September 08, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 21, 2010 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011116F01 2046098 1/21-2/25/10

PUBLIC NOTICE

��

Recorded January 11, 1996, Dakota County Recorder, Document No. 1323625. ASSIGNMENTS OF MORTGAGE: Assigned to: CitiCorp Mortgage, Inc n/k/a CitiMortgage, Inc, Dated: April 24, 1996, Recorded: July 8, 1996, Document No. 1360354. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: North American Mortgage Company RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 447 East Bernard Street, West Saint Paul, MN 55118 TAX PARCEL I.D. #: 42-34100-280-02 LEGAL DESCRIPTION OF PROPERTY: Lot Twenty-seven and the west Thirty feet of Lot Twenty-eight in Block Two of Hutchinson's Addition to St. Paul COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $96,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $80,641.96 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 9, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 9, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 7, 2010. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2975 625752924 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2044695 1/21-2/25/10

PUBLIC NOTICE

GAGE ORIGINATOR STATED ON MORTGAGE: Minnesota Home Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 14085 Plymouth Avenue, Burnsville, MN 55337 TAX PARCEL I.D. #: 02-58450-098-03 LEGAL DESCRIPTION OF PROPERTY: Unit No. 98, Common Interest Community No. 148, Bristol Ridge Carriage Homes, Dakota County, MN COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $120,330.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $111,701.65 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 16, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 16, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 13, 2010. U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-656 4800173736 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2046743 1/21-2/25/10

PUBLIC NOTICE

That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 16, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 16, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 12, 2010. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-3047 8361605 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2046794 1/21-2/25/10

PUBLIC NOTICE

ments, including attorneys fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 7, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 13, 2010. Aurora Loan Services LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 98-969 0018233841 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2046721 1/21-2/25/10

PUBLIC NOTICE

��

�� REDUCED TO FIVE WEEKS IF A JUDI�� CIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION NOTICE OF 582.032, DETERMINING, AMONG MORTGAGE FORECLOSURE SALE OTHER THINGS, THAT THE MORTNOTICE IS HEREBY GIVEN that GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF default has occurred in the conditions LESS THAN FIVE UNITS, ARE NOT of the following described mortgage: DATE OF MORTGAGE: November 02, PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E 2006 ORIGINAL PRINCIPAL AMOUNT OF ABANDONED." MORTGAGE: $184,000.00 Dated: January 13, 2010. MORTGAGOR(S): Yen Pham, an CitiMortgage, Inc. unmarried woman Mortgagee/Assignee of Mortgagee MORTGAGEE: Mortgage Electronic USSET, WEINGARDEN AND LIEBO, P.L.L.P. Registration Systems, Inc. By: Paul A. Weingarden DATE AND PLACE OF RECORDING: Attorneys for Mortgagee/Assignee of Recorded: November 28, 2006 Mortgagee Dakota County Recorder 4500 Park Glen Road #300 Document Number: 2477966 Minneapolis, MN 55416 Transaction Agent: Mortgage Elec(952) 925-6888 tronic Registration Systems, Inc. 10-3097 Transaction Agent Mortgage Identifi615124776 THIS IS A COMMUNICATION FROM cation Number: 100073000811442979 Lender or Broker: Freedom MortA DEBT COLLECTOR. 2046809 1/21-2/25/10 gage Corporation Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable NOTICE OF COUNTY IN WHICH PROPERTY IS MORTGAGE FORECLOSURE SALE LOCATED: Dakota NOTICE IS HEREBY GIVEN that Property Address: 2150 Cool Stream default has occurred in the conditions Cir, Eagan, MN 55122-1936 of the following described mortgage: Tax Parcel ID Number: DATE OF MORTGAGE: August 23, 10-22426-701-03 2007 LEGAL DESCRIPTION OF PROPORIGINAL PRINCIPAL AMOUNT OF ERTY: Unit No. 1701, The Enclave at MORTGAGE: $220,286.00 River Ridge, CIC No. 189, Dakota MORTGAGOR(S): Brandon C. and County, Minnesota. Wendy M. Frederickson, Husband and AMOUNT DUE AND CLAIMED TO BE Wife DUE AS OF DATE OF NOTICE: MORTGAGEE: Mortgage Electronic $192,445.55 Registration Systems, Inc. THAT all pre-foreclosure requireDATE AND PLACE OF RECORDING: ments have been complied with; that R e c o r d e d : S e p t e m b e r 1 0 , 2 0 0 7 no action or proceeding has been instiDakota County Recorder tuted at law or otherwise to recover the Document Number: 2542845 debt secured by said mortgage, or any LOAN MODIFICATION: part thereof; Dated: July 17, 2008 PURSUANT to the power of sale conRecorded: September 09, 2008 tained in said mortgage, the Document Number: 2612128 above-described property will be sold ASSIGNMENTS OF MORTGAGE: by the Sheriff of said county as folAnd assigned to: BAC Home Loans lows: Servicing, L.P. DATE AND TIME OF SALE: March Dated: January 13, 2010 09, 2010 at 10:00 AM Transaction Agent: Mortgage ElecPLACE OF SALE: Dakota County tronic Registration Systems, Inc. Law Enforcement Center, 1580 HighTransaction Agent Mortgage Identifi- way 55, Lobby S-100, Hastings, Minnecation Number: 100020000450082403 sota Lender o r B r o k e r : B u r n e t H o m e to pay the debt secured by said mortLoans gage and taxes, if any, on said preResidential Mortgage Servicer: BAC mises and the costs and disburseHome Loans Servicing, L.P. ments, including attorney fees allowed Mortgage Originator: Not Applicable by law, subject to redemption within COUNTY IN WHICH PROPERTY IS six (6) months from the date of said LOCATED: Dakota sale by the mortgagor(s), their perProperty Address: 5190 183rd St W, sonal representatives or assigns. Farmington, MN 55024-8704 If the Mortgage is not reinstated T a x P a r c e l I D N u m b e r : under Minn. Stat. §580.30 or the prop14-19505-100-06 erty is not redeemed under Minn. Stat. L E G A L D E S C R I P T I O N O F P R O P - §580.23, the Mortgagor must vacate ERTY: Lot Ten (10), Block Six (6), the property on or before 11:59 p.m. on Dakota County Estates 6th Addition, September 09, 2010, or the next busiDakota County, Minnesota. ness day if September 09, 2010 falls on AMOUNT DUE AND CLAIMED TO BE a Saturday, Sunday or legal holiday. DUE AS OF DATE OF NOTICE: Mortgagor(s) released from financial $222,499.99 obligation: NONE THAT all pre-foreclosure requireTHIS COMMUNICATION IS FROM ments have been complied with; that A DEBT COLLECTOR ATTEMPTno action or proceeding has been insti- ING TO COLLECT A DEBT. ANY tuted at law or otherwise to recover the INFORMATION OBTAINED WILL BE debt secured by said mortgage, or any USED FOR THAT PURPOSE. part thereof; THE RIGHT TO VERIFICATION OF PURSUANT to the power of sale con- THE DEBT AND IDENTITY OF THE t a i n e d i n s a i d m o r t g a g e , t h e ORIGINAL CREDITOR WITHIN THE above-described property will be sold T I M E P R O V I D E D B Y L A W I S N O T by the Sheriff of said county as fol- AFFECTED BY THIS ACTION. lows: THE TIME ALLOWED BY LAW FOR DATE AND TIME OF SALE: March REDEMPTION BY THE MORTGAGOR, 09, 2010 at 10:00 AM THE MORTGAGOR'S PERSONAL REPPLACE OF SALE: Dakota County RESENTATIVES OR ASSIGNS, MAY BE Law Enforcement Center, 1580 High- REDUCED TO FIVE WEEKS IF A JUDIway 55, Lobby S-100, Hastings, Minne- CIAL ORDER IS ENTERED UNDER sota MINNESOTA STATUTES, SECTION to pay the debt secured by said mort- 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G gage and taxes, if any, on said pre- OTHER THINGS, THAT THE MORTmises and the costs and disburse- GAGED PREMISES ARE IMPROVED ments, including attorney fees allowed WITH A RESIDENTIAL DWELLING OF by law, subject to redemption within LESS THAN FIVE UNITS, ARE NOT six (6) months from the date of said PROPERTY USED IN AGRICULTURAL sale by the mortgagor(s), their per- PRODUCTION, AND ARE ABANDONED. sonal representatives or assigns. DATED: January 21, 2010 If the Mortgage is not reinstated MORTGAGEE: Mortgage Electronic under Minn. Stat. §580.30 or the propRegistration Systems, Inc. erty is not redeemed under Minn. Stat. Wilford & Geske, P.A. §580.23, the Mortgagor must vacate Attorneys for Mortgagee the property on or before 11:59 p.m. on Lawrence A. Wilford September 09, 2010, or the next busi- James A. Geske ness day if September 09, 2010 falls on 8425 Seasons Parkway, Suite 105 a Saturday, Sunday or legal holiday. Woodbury, MN 55125-4393 Mortgagor(s) released from financial (651) 209-3300 obligation: NONE File Number: 009675F02 THIS COMMUNICATION IS FROM 2046475 1/21-2/25/10 A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE NOTICE OF USED FOR THAT PURPOSE. MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE RIGHT TO VERIFICATION THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE OF THE DEBT AND IDENTITY OF T I M E P R O V I D E D B Y L A W I S N O T THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REP- default has occurred in conditions of RESENTATIVES OR ASSIGNS, MAY BE the following described mortgage: DATE OF MORTGAGE: J u n e 2 9 , REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER 2007 MORTGAGOR: E l i z a b e t h T r a v i s , a MINNESOTA STATUTES, SECTION 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G single person. MORTGAGEE: ABN Amro Mortgage OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED Group, Inc. NKA CitiMortgage, Inc DATE AND PLACE OF RECORDING: WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT Registered October 9, 2007, Dakota PROPERTY USED IN AGRICULTURAL County Registrar of Titles, Document No. 618516, Certificate of Title No. PRODUCTION, AND ARE ABANDONED. 143578. DATED: January 21, 2010 ASSIGNMENTS OF MORTGAGE: ASSIGNEE OF MORTGAGEE: NONE BAC Home Loans Servicing, L.P. Said Mortgage being Registered Land. Wilford & Geske, P.A. TRANSACTION AGENT: NONE Attorneys for Assignee of Mortgagee TRANSACTION AGENT'S MORTLawrence A. Wilford GAGE IDENTIFICATION NUMBER ON James A. Geske MORTGAGE: NONE 8425 Seasons Parkway, Suite 105 LENDER OR BROKER AND MORTWoodbury, MN 55125-4393 GAGE ORIGINATOR STATED ON (651) 209-3300 MORTGAGE: ABN Amro Mortgage File Number: 011729F01 2043715 1/21-2/25/10

PUBLIC NOTICE

��

�� tuted �� otherwise to recover the at law or debt secured by said mortgage, or any �� MORTGAGE: ABN Amro Mortgage Group, Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 966 Roberts Street South #103, West Saint Paul, MN 55118 TAX PARCEL I.D. #: 2-83400-103-05 LEGAL DESCRIPTION OF PROPERTY: Unit 966103, Common Interest Community Number 481, Twin Pines Condominiums, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $83,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $83,765.82 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 16, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 16, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 13, 2010. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2983 656639137 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2046834 1/21-2/25/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 30, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $211,650.00 MORTGAGOR(S): David W Peterson and Debra A Peterson, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: September 12, 2007 Dakota County Recorder Document Number: 2543327 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank, N.A. Dated: June 09, 2008 Recorded: June 18, 2008 Dakota County Recorder Document Number: 2597430 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100061907000032979 Lender or Broker: Summit Mortgage Corporation Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 7280 Upper 157th St W, Apple Valley, MN 55124-5125 Tax Parcel ID Number: 01-11650-110-02 LEGAL DESCRIPTION OF PROPERTY: Lot Eleven (11), Block Two (2), Apple Ponds, according to the recorded plat thereof, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $231,621.71 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the

part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 05, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 05, 2010, or the next business day if September 05, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 21, 2010 ASSIGNEE OF MORTGAGEE: U.S. Bank, N.A. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011264F01 2043045 1/21-2/25/10

PUBLIC NOTICE

MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 23, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: January 20, 2010. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2768 8312311 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2054994 1/28-3/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 27, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $350,000.00 MORTGAGOR(S): Glenn L. Hofer and MaryLou Hofer, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: November 19, 2004 Dakota County Recorder Document Number: 2269295 ASSIGNMENTS OF MORTGAGE: And assigned to: Suntrust Mortgage, Inc. Dated: October 28, 2009 Recorded: November 12, 2009 Dakota County Recorder Document Number: 2693879 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100103210000079912 Lender or Broker: Prime Mortgage Corporation Residential Mortgage Servicer: SunTrust Mortgage, Inc. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 16602 Hearthside Way, Lakeville, MN 55044-4207 Tax Parcel ID Number: 22-75100-040-05 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 5, Tarry Creek, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $327,358.26 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 17, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on October 22, 2010, or the next business day if October 22, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED.

PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 ASSIGNEE OF MORTGAGEE: Suntrust Mortgage, Inc. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009688F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 17, 2009 at 10:00 AM has been postponed to January 21, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: December 17, 2009 ASSIGNEE OF MORTGAGEE: Suntrust Mortgage, Inc. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for January 21, 2010 at 10:00 AM has been postponed to April 22, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: January 21, 2010 ASSIGNEE OF MORTGAGEE: Suntrust Mortgage, Inc. Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009688F01 2052053 1/28/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: November 21, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $236,800.00 MORTGAGOR(S): Kathleen Marie Lamminen, a single woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: August 14, 2006 Dakota County Recorder Document Number: 2453344 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, L.P. Dated: August 14, 2009 Recorded: September 14, 2009 Dakota County Recorder Document Number: 2684075 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700061498149 Lender or Broker: America's Wholesale Lender Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 17580 Isleton Ave, Lakeville, MN 55044-8716 Tax Parcel ID Number: 22-19402-040-03 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 3, Dakota Heights Third Addition, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $237,827.81 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 30, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 11, 2010, or the next business day if August 11, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE

MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 17, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007876F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 30, 2009 at 10:00 AM has been postponed to December 17, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: October 30, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 17, 2009 at 10:00 AM has been postponed to January 20, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: December 17, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for January 20, 2010 at 10:00 AM has been postponed to February 11, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: January 20, 2010 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007876F01 2053838 1/28/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 14, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $442,000.00 MORTGAGOR(S): Lynel Julik and Robert Julik, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: August 29, 2006 Dakota County Recorder Document Number: 2457308 ASSIGNMENTS OF MORTGAGE: And assigned to: The Bank of New York Mellon fka the Bank of New York as Trustee for the Certificateholders CWALT, Inc. Alternative Loan Trust 2006-OA17,mortgage Pass-through Certificates, Series 2006-OA17 Dated: December 17, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100133700016175062 Lender or Broker: Countrywide Bank, N.A. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1080 82nd St E, Inver Grove Heights, MN 55077-3826 Tax Parcel ID Number: 20-01700-011-33 LEGAL DESCRIPTION OF PROPE R T Y : That part of the Northwest Quarter of Section 17, Township 27, Range 22, Dakota County, Minnesota which is described as follows: Commencing at the northwest corner thereof; thence South 00 degrees 41 minutes 00 seconds East, assumed bearing, along the west line of said Northwest Quarter, said west line is also the east line of Minnesota Department of Transportation Right of Way plat no 19-125, as on file and of record in the Office of the Dakota County Recorder, 1276.69 feet to MDOT right of way monument B-1; thence South 38 degrees 08 minutes 47 seconds East along said easterly right of way line 237.88 feet to its intersection with the southerly right of way line of 82nd Street East, formerly Rosenberger Lane, as dedicated on the plat of Paradise Valley, according to the record plat thereof, and the point of beginning of the land to be described; thence continuing South 38 degrees 08 minutes 47 seconds East, along said easterly right of way line 417.69 feet to MDOT right of way monument B2; thence North 13 degrees 01 minutes 28 seconds East 212.90 feet; thence North 26 degrees 37 minutes 38 seconds West 182.57 feet; thence North 30 degrees 22 minutes 46 seconds West 47.12 feet; thence North 15 degrees 51 minutes 16 seconds West 83.49 feet; thence North 43 degrees 58 minutes 46 seconds West 18.81 feet to the southerly right of way line of platted 82nd Street East; thence southwesterly along a nontangential curve which is concave to the southeast, central angle of 41 degrees 07 minutes 25 seconds, radius

degrees 07 minutes 25 seconds, radius of 129.15 feet, chord bearing of South 52 degrees 21 minutes 13 seconds West, 92.70 feet; thence South 31 degrees 47 minutes 31 seconds West, along said southerly right of way, tangent to last described curve, 104.72 feet; thence South 49 degrees 17 minutes 31 seconds West along said Southerly right of way 49.40 feet to the point of beginning. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $517,389.94 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 18, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 18, 2010, or the next business day if September 18, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 28, 2010 ASSIGNEE OF MORTGAGEE: The Bank of New York Mellon fka the Bank of New York as Trustee for the Certificateholders CWALT, Inc. Alternative Loan Trust 2006-OA17,mortgage Pass-through Certificates, Series 2006-OA17 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 011159F01 2053954 1/28-3/4/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 13, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $176,000.00 MORTGAGOR(S): Matthew T Dewey and Angie C. Hallows, both single persons MORTGAGEE: First Bank DATE AND PLACE OF RECORDING: Recorded: November 16, 2004 Dakota County Recorder Document Number: 2267869 ASSIGNMENTS OF MORTGAGE: And assigned to: Mortgage Electronic Registration Systems, Inc. Dated: January 06, 2006 Recorded: January 23, 2006 Dakota County Recorder Document Number: 2398909 And assigned to: LaSalle Bank National Association, as trustee, on behalf of SAIL 2005-1 Trust Fund Dated: August 24, 2009 Recorded: October 26, 2009 Dakota County Recorder Document Number: 2692465 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700040769560 Lender or Broker: First Bank Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 13059 Ferris Ct, Apple Valley, MN 55124-8138 Tax Parcel ID Number: 01-31004-180-05 LEGAL DESCRIPTION OF PROPERTY: Lot 18, Block 5, Greenleaf Fifth Addition, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $225,869.74 THAT all pre-foreclosure require-

��

THAT all pre foreclosure require ments have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 17, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 11, 2010, or the next business day if August 11, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 29, 2009 ASSIGNEE OF MORTGAGEE: LaSalle Bank National Association, as trustee, on behalf of SAIL 2005-1 Trust Fund Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007588F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 17, 2009 at 10:00 AM has been postponed to January 20, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: December 17, 2009 ASSIGNEE OF MORTGAGEE: LaSalle Bank National Association, as trustee, on behalf of SAIL 2005-1 Trust Fund NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for January 20, 2010 at 10:00 AM has been postponed to February 11, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: January 20, 2010 ASSIGNEE OF MORTGAGEE: LaSalle Bank National Association, as trustee, on behalf of SAIL 2005-1 Trust Fund Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007588F01 2053897 1/28/10

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 28, 2005 MORTGAGOR: C y n t h i a K . E y e r , a married person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc.. DATE AND PLACE OF RECORDING: Recorded January 5, 2006, Dakota County Recorder, Document No. 2394856. ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR GSAA HOME EQUITY TRUST 2006-3, Dated: August 28, 2009. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100059600068128797 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Universal American Mortgage Company, LLC

gage Company, LLC RESIDENTIAL MORTGAGE SERVICER: BAC Home Loans Servicing L.P. MORTGAGED PROPERTY ADDRESS: 18317 Lansford Path, Lakeville, MN 55044 TAX PARCEL I.D. #: 225850013009 LEGAL DESCRIPTION OF PROPERTY: Lot 13, Block 9, Prairie Lake 1st Addition, CIC Number 416. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $304,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $312,027.15 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 19, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 19, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: September 15, 2009. U.S. Bank, N. A., as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-680 115827470 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until January 21, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: December 8, 2009. U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-680 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until March 11, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: January 22, 2010. U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-680 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2052068 1/28/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 07, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $211,200.00 MORTGAGOR(S): Daniel S Sund-

MORTGAGOR(S): Daniel S Sund mark and Sharon L. Sundmark, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: August 04, 2005 Dakota County Registrar of Titles Document Number: 571166 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100053030007792964 Lender or Broker: Aegis Wholesale Corporation Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 102723 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 8 Langer Cir, West Saint Paul, MN 55118-2133 Tax Parcel ID Number: 42-23700-090-07 LEGAL DESCRIPTION OF PROPERTY: Lot Eight (8), Block Seven (7), except the East forty (E.40) feet thereof; and the East forty-three (43) feet of Lot Nine (9), Block Seven (7), all in Emerson Estates, according to the recorded plat thereof on file and of record in the Office of the Register of Deeds in and for Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $217,024.65 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 13, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 25, 2010, or the next business day if August 25, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 01, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008831F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for November 13, 2009 at 10:00 AM has been postponed to December 17, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: November 13, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 17, 2009 at 10:00 AM has been postponed to January 28, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: December 17, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for January 28, 2010 at 10:00 AM has been postponed to February 25, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: January 28, 2010 MORTGAGEE: Mortgage Electronic

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008831F01 2042224 1/28/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 2 4 , 2004 MORTGAGOR: Phyllis J. Springfield, unmarried. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded September 3, 2004, Dakota County Recorder, Document No. 2244693. ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank National Association, as Trustee for ARMT 2004-1, Dated: October 13, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100058900003392693 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: RBC Mortgage Company RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 5442 Upper 182nd Street, Farmington, MN 55024 TAX PARCEL I.D.#: 14-19500-110-01 LEGAL DESCRIPTION OF PROPERTY: Lot 11, Block 1, Dakota County Estates COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $172,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $176,444.21 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: November 9, 2009. U.S. Bank National Association, Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2521 5302953707 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until March 11, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: January 21, 2010. U.S. Bank National Association, Trustee

��

��of�� Trustee �� Attorneys �� for Assignee Mortgagee Mortgagee/Assignee of Mortgagee Lawrence A. Wilford USSET, WEINGARDEN AND LIEBO, P.L.L.P. James A. Geske 8425 Seasons Parkway, Suite 105 By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Woodbury, MN 55125-4393 Mortgagee (651) 209-3300 4500 Park Glen Road #300 File Number: 007368F01 Minneapolis, MN 55416 NOTICE OF POSTPONEMENT OF (952) 925-6888 MORTGAGE FORECLOSURE SALE 60-2521 The above referenced sale scheduled THIS IS A COMMUNICATION FROM for October 16, 2009 at 10:00 AM has been postponed to November 19, 2009 A DEBT COLLECTOR. 2051052 1/28/10 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. NOTICE OF DATED: October 16, 2009 MORTGAGE FORECLOSURE SALE ASSIGNEE OF MORTGAGEE: NOTICE IS HEREBY GIVEN that BAC Home Loans Servicing, LP default has occurred in the conditions NOTICE OF POSTPONEMENT OF of the following described mortgage: MORTGAGE FORECLOSURE SALE DATE OF MORTGAGE: October 06, The above referenced sale scheduled 2006 for November 19, 2009 at 10:00 AM has ORIGINAL PRINCIPAL AMOUNT OF been postponed to December 17, 2009 MORTGAGE: $219,000.00 at 10:00 AM in the Dakota County Law MORTGAGOR(S): Dennis Rynearson Enforcement Center, 1580 Highway 55, and Robin L. Rynearson, husband and Lobby S-100, Hastings, Minnesota in wife as joint tenants said County and State. MORTGAGEE: Mortgage Electronic DATED: November 19, 2009 Registration Systems, Inc. ASSIGNEE OF MORTGAGEE: DATE AND PLACE OF RECORDING: BAC Home Loans Servicing, LP Recorded: January 23, 2007 Dakota NOTICE OF POSTPONEMENT OF County Recorder MORTGAGE FORECLOSURE SALE Document Number: 2490799 The above referenced sale scheduled ASSIGNMENTS OF MORTGAGE: for December 17, 2009 at 10:00 AM has And assigned to: U.S. Bank National been postponed to January 21, 2010 at Association, as Trustee on behalf of 10:00 AM in the Dakota County Law GSAA Home Equity Trust 2007-1 Enforcement Center, 1580 Highway 55, Dated: March 18, 2009 Lobby S-100, Hastings, Minnesota in Recorded: March 24, 2009 Dakota said County and State. County Recorder DATED: December 17, 2009 Document Number: 2645520 ASSIGNEE OF MORTGAGEE: And assigned to: BAC Home Loans BAC Home Loans Servicing, LP Servicing, LP NOTICE OF POSTPONEMENT OF Dated: August 24, 2009 MORTGAGE FORECLOSURE SALE Recorded: September 04, 2009 The above referenced sale scheduled Dakota County Recorder for January 21, 2010 at 10:00 AM has Document Number: 2682604 been postponed to February 25, 2010 Transaction Agent: Mortgage Elec- at 10:00 AM in the Dakota County Law tronic Registration Systems, Inc. Enforcement Center, 1580 Highway 55, Transaction Agent Mortgage Identifi- Lobby S-100, Hastings, Minnesota in cation Number: 100133700017387914 said County and State. Lender or Broker: Countrywide DATED: January 21, 2010 Bank, N.A. ASSIGNEE OF MORTGAGEE: Residential Mortgage Servicer: BAC BAC Home Loans Servicing, LP Home Loans Servicing, L.P. Wilford & Geske, P.A. Mortgage Originator: Not Applicable Attorneys for Assignee Of Mortgagee: COUNTY IN WHICH PROPERTY IS Lawrence A. Wilford LOCATED: Dakota James A. Geske Property Address: 20380 Dunbar 8425 Seasons Parkway, Suite 105 Ave, Farmington, MN 55024-8114 Woodbury, MN 55125-4393 T a x P a r c e l I D N u m b e r : (651) 209-3300 14.57600.101.05 File Number: 007368F01 L E G A L D E S C R I P T I O N O F P R O P - 2053341 1/28/10 ERTY: That part of Lot Ten (10), Block Five (5), lying Southwesterly of a line described as follows: Beginning at a point on the Northwesterly line of said NOTICE OF Lot Ten (10), said point being 91.505 MORTGAGE FORECLOSURE SALE feet Northeasterly of the most WestNOTICE IS HEREBY GIVEN that erly corner of said Lot Ten (10), as default has occurred in the conditions measured along the Northwesterly line of the following described mortgage: of said Lot Ten (10), running thence DATE OF MORTGAGE: April 23, 2007 South 53 degrees 03 minutes 48 secORIGINAL PRINCIPAL AMOUNT OF onds East to the Southeasterly line of MORTGAGE: $224,000.00 said Lot Ten (10) and there terminatMORTGAGOR(S): Phillip W. Black ing, Pine Knoll, according to the plat and Darlene C. Black, husband and thereof now on file and of record in the wife office of the County Recorder within MORTGAGEE: Bank of America, N.A. and for the said County and State, DATE AND PLACE OF RECORDING: Dakota County, Minnesota. Recorded: May 09, 2007 Dakota AMOUNT DUE AND CLAIMED TO BE County Recorder DUE AS OF DATE OF NOTICE: Document Number: 2515369 $243,274.13 Transaction Agent: Not Applicable THAT all pre-foreclosure requireTransaction Agent Mortgage Identifiments have been complied with; that cation Number: Not Applicable no action or proceeding has been instiLender or Broker: Bank of America, tuted at law or otherwise to recover the N.A. debt secured by said mortgage, or any Residential Mortgage Servicer: Bank part thereof; of America, N.A. PURSUANT to the power of sale Mortgage Originator: Not Applicable contained in said mortgage, the COUNTY IN WHICH PROPERTY IS above-described property will be sold LOCATED: Dakota by the Sheriff of said county as Property Address: 20970 Holyoke follows: Ave, Lakeville, MN 55044-9644 DATE AND TIME OF SALE: October Tax Parcel ID Number: 16, 2009 at 10:00 AM 22-44450-062-02 PLACE OF SALE: Dakota County LEGAL DESCRIPTION OF PROPL a w E n f o r c e m e n t C e n t e r , 1 5 8 0 ERTY: Lots 5 and 6 and the North 5 Highway 55, Lobby S-100, Hastings, feet of Lot 4, Block 2, Fairchild, also Minnesota known as Village of Lakeville, Dakota t o p a y t h e d e b t s e c u r e d b y s a i d County, Minnesota. mortgage and taxes, if any, on said AMOUNT DUE AND CLAIMED TO BE premises and the costs and DUE AS OF DATE OF NOTICE: disbursements, including attorney fees $237,873.99 allowed by law, subject to redemption THAT all pre-foreclosure requirewithin six (6) months from the date of ments have been complied with; that said sale by the mortgagor(s), their no action or proceeding has been instituted at law or otherwise to recover the personal representatives or assigns. If the Mortgage is not reinstated debt secured by said mortgage, or any u n d e r M i n n . S t a t . § 5 8 0 . 3 0 o r t h e part thereof; PURSUANT to the power of sale conproperty is not redeemed under Minn. Stat. §580.23, the Mortgagor must t a i n e d i n s a i d m o r t g a g e , t h e vacate the property on or before 11:59 above-described property will be sold p.m. on August 25, 2010, or the next by the Sheriff of said county as folbusiness day if August 25, 2010 falls lows: DATE AND TIME OF SALE: August on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial 13, 2009 at 10:00 AM PLACE OF SALE: Dakota County obligation: NONE THIS COMMUNICATION IS FROM Law Enforcement Center, 1580 HighA DEBT COLLECTOR ATTEMPTING way 55, Lobby S-100, Hastings, MinneT O C O L L E C T A D E B T . A N Y sota INFORMATION OBTAINED WILL BE to pay the debt secured by said mortgage and taxes, if any, on said preUSED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF mises and the costs and disburseTHE DEBT AND IDENTITY OF THE ments, including attorney fees allowed ORIGINAL CREDITOR WITHIN THE by law, subject to redemption within T I M E P R O V I D E D B Y L A W I S N O T six (6) months from the date of said AFFECTED BY THIS ACTION. sale by the mortgagor(s), their perTHE TIME ALLOWED BY LAW FOR sonal representatives or assigns. REDEMPTION BY THE MORTGAGOR, Mortgagor(s) released from financial T H E M O R T G A G O R ' S P E R S O N A L obligation: NONE REPRESENTATIVES OR ASSIGNS, THIS COMMUNICATION IS FROM MAY BE REDUCED TO FIVE WEEKS IF A DEBT COLLECTOR ATTEMPTING A JUDICIAL ORDER IS ENTERED T O C O L L E C T A D E B T . A N Y U N D E R M I N N E S O T A S T A T U T E S , INFORMATION OBTAINED WILL BE SECTION 582.032, DETERMINING, USED FOR THAT PURPOSE. AMONG OTHER THINGS, THAT THE THE RIGHT TO VERIFICATION OF M O R T G A G E D P R E M I S E S A R E THE DEBT AND IDENTITY OF THE I M P R O V E D W I T H A R E S I D E N T I A L ORIGINAL CREDITOR WITHIN THE DWELLING OF LESS THAN FIVE TIME PROVIDED BY LAW IS NOT UNITS, ARE NOT PROPERTY USED IN AFFECTED BY THIS ACTION. AGRICULTURAL PRODUCTION, AND THE TIME ALLOWED BY LAW FOR ARE ABANDONED. REDEMPTION BY THE MORTGAGOR, DATED: September 03, 2009 THE MORTGAGOR'S PERSONAL ASSIGNEE OF MORTGAGEE: REPRESENTATIVES OR ASSIGNS, BAC Home Loans Servicing, LP MAY BE REDUCED TO FIVE WEEKS IF Wilford & Geske, P.A. �� Attorneys for Assignee of Mortgagee

PUBLIC NOTICE

�� Mortgage, ��and �� taxes, if premises, and the �� MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: June 25, 2009 MORTGAGEE: Bank of America, N.A. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 004023F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for August 13, 2009 at 10:00 AM has been postponed to October 01, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: August 13, 2009 MORTGAGEE: Bank of America, N.A. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 01, 2009 at 10:00 AM has been postponed to October 22, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: October 01, 2009 MORTGAGEE: Bank of America, N.A. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 22, 2009 at 10:00 AM has been postponed to January 21, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: October 22, 2009 MORTGAGEE: Bank of America, N.A. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for January 21, 2010 at 10:00 AM has been postponed to February 25, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: January 21, 2010 MORTGAGEE: Bank of America, N.A. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 004023F01 2047200 1/28/10

PUBLIC NOTICE

any, on said costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 19, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: September 28, 2009. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2314 654791515 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until January 21, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: December 8, 2009. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2314 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until March 4, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: January 21, 2010. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2314 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2051401 1/28/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 26, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $247,457.00 MORTGAGOR(S): Marco Padilla, a single man, and Marleen Sunsin, a single woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: November 27, 2007 Dakota County Recorder Document Number: 2557757 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association Dated: September 15, 2009 Recorded: September 23, 2009 Dakota County Recorder Document Number: 2686031 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100232301120065487 Lender or Broker: Centennial Mortgage and Funding, Inc. Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 15805 Gallery Ave, Apple Valley, MN 55124-5118 Tax Parcel ID Number: 01-11652-010-02 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 2, Apple Ponds 3rd Addition, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $255,546.72 THAT all pre-foreclosure require-

THAT all pre foreclosure require ments have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 19, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 25, 2010, or the next business day if August 25, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 01, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008777F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for November 19, 2009 at 10:00 AM has been postponed to January 21, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for January 21, 2010 at 10:00 AM has been postponed to February 25, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: January 21, 2010 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008777F01 2051876 1/28/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 28, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $244,800.00 MORTGAGOR(S): Luis R. Vilchis-Lopez and Fathiya Ali, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: September 11, 2006 Dakota County Registrar of Titles Document Number: 597345 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100232301120031794 Lender or Broker: Centennial Mortgage and Funding, Inc. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 140833 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 2215 Friendship Ln, Burnsville, MN 55337-4276 Tax Parcel ID Number: 02-27700-210-02 LEGAL DESCRIPTION OF PROPERTY: Lot 21, Block 2 in Friendship Acres, according to the recorded plat thereof. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $253,956.79

$253,956.79 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: August 13, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: June 25, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 005056F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for August 13, 2009 at 10:00 AM has been postponed to October 15, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: August 13, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 15, 2009 at 10:00 AM has been postponed to November 19, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: October 15, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for November 19, 2009 at 10:00 AM has been postponed to January 07, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: November 19, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for January 07, 2010 at 10:00 AM has been postponed to January 21, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: January 07, 2010 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for January 21, 2010 at 10:00 AM has been postponed to February 25, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: January 21, 2010 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 005056F01 2051902 1/28/10

PUBLIC NOTICE

MORTGAGOR: Edwin A. Truax, Jr., a single person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded July 27, 2007, Dakota County Recorder, Document No. 2533551. ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: April 30, 2009. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100059600060777542 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Universal American Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 18405 Lafayette Way, Lakeville, MN 55044 TAX PARCEL I.D.#: 22-58507-318-01 LEGAL DESCRIPTION OF PROPERTY: Unit No. 318A, CIC No. 372, Prairie Lake Lodges, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $208,176.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $215,618.05 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: July 16, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: May 4, 2009. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6631 1843593987 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until September 17, 2009 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: July 20, 2009. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6631 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until October 22, 2009 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: September 21, 2009. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6631 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is

foregoing foreclosure sale is postponed until November 12, 2009 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: October 27, 2009. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6631 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until January 21, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: November 16, 2009. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6631 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until March 11, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: January 21, 2010. Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6631 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2051379 1/28/10

PUBLIC NOTICE

��

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY January 28, 2010 TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 24, 2010. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: September 24, 2009. BAC Home Loans Servicing L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-619 171708957 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until January 19, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: November 25, 2009. BAC Home Loans Servicing L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-619 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until March 2, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: January 20, 2010. BAC Home Loans Servicing L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-619 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2048660 1/28/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 09, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $155,000.00 MORTGAGOR(S): Diem Thi Ha and Hung Van Nguyen, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: August 21, 2007 Dakota County Recorder Document Number: 2538825 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, L.P. Dated: November 16, 2009 Recorded: November 17, 2009 Dakota County Recorder Document Number: 2697129 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100133700023583845 Lender or Broker: Countrywide Bank, FSB Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4418 Fremont Alcove # 32, Eagan, MN 55122-2456 Tax Parcel ID Number: 10-17790-032-02 LEGAL DESCRIPTION OF PROPERTY: Unit 32, Common Interest Community No. 125, Cliff Lake Courthomes, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $156,551.25 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale con-

tained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. Â§580.30 or the property is not redeemed under Minn. Stat. Â§580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 25, 2010, or the next business day if August 25, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010233F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for January 07, 2010 at 10:00 AM has been postponed to January 21, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: January 07, 2010 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for January 21, 2010 at 10:00 AM has been postponed to February 25, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: January 21, 2010 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010233F01 2053453 1/28/10

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: March 10, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $144,900.00 MORTGAGOR(S): Francine M. Katz, a single person MORTGAGEE: Anchor Bank, West St. Paul, N.A. DATE AND PLACE OF REGISTERING: Registered: June 17, 2004 Dakota County Registrar of Titles Document Number: 539937 ASSIGNMENTS OF MORTGAGE: And assigned to: TCF Mortgage Corporation Dated: March 10, 2004 Registered: June 17, 2004 Dakota County Registrar of Titles Document Number: 539938 And assigned to: Mortgage Electronic Registration Systems, Inc. Dated: May 01, 2006 Registered: May 09, 2006 Dakota County Registrar of Titles Document Number: 589783 And assigned to: U.S. Bank, N.A. Dated: May 18, 2007 Registered: June 11, 2007 Dakota County Registrar of Titles Document Number: 612105 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001947272 Lender or Broker: Anchor Bank, West St. Paul, N.A. Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 130234 COUNTY IN WHICH PROPERTY IS

LOCATED: Dakota Property Address: 4678 Traverse Pt, Eagan, MN 55122-2634 Tax Parcel ID Number: 10-63983-040-02 LEGAL DESCRIPTION OF PROPERTY: Lot Four (4), Block Two (2), in Ridgecliffe Fourth Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $152,062.62 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 15, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. Â§580.30 or the property is not redeemed under Minn. Stat. Â§580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on October 01, 2010, or the next business day if October 01, 2010 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: August 27, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank, N.A. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006258F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 15, 2009 at 10:00 AM has been postponed to November 12, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: October 15, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank, N.A. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for November 12, 2009 at 10:00 AM has been postponed to December 17, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: November 12, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank, N.A. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 17, 2009 at 10:00 AM has been postponed to January 28, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: December 17, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank, N.A. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for January 28, 2010 at 10:00 AM has been postponed to April 01, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: January 28, 2010 ASSIGNEE OF MORTGAGEE: U.S. Bank, N.A. Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006258F01 2053685 1/28/10

43A

Burnsville, Grow Minnesota! poised for economic recovery BusinessConnection hotline goes statewide Minnesota can expect significant new investment as businesses emerge from the recession, according to the annual findings of the Burnsville Chamber of Commerce and the Grow Minnesota! network. But it will not be automatic as business owners across the state cite crucial items that must be addressed by policy-makers. â&#x20AC;&#x153;Holding the line on taxes is key to their decision to stay and grow in Minnesota,â&#x20AC;? said Bill Blazar, senior vice president of public affairs and business development at the Minnesota Chamber. â&#x20AC;&#x153;Other cost factors are also cause for immediate concern. Electricity rates in many parts of the state are becoming less competitive, and the environmental permitting process continues to be lengthy and costly for too many Minnesota businesses.â&#x20AC;? Grow Minnesota! is completing its sixth year as the Minnesota Chamber of Commerceâ&#x20AC;&#x2122;s private-sector job retention and creation program. It is conducted in partnership with 50 local chambers of commerce and organizations, including the Burnsville Chamber of Commerce. Volunteers statewide conducted one-on-one conversations with owners or top-level managers of nearly 900 companies this past year. Especially noteworthy was

the distribution of $5.5 million in low-interest loans and grants to 90 small businesses in 62 communities, thanks to a generous grant from the Pohlad Family Foundation. The loans and grants are designed to help these businesses survive the recession and be prepared to grow as it ends.Â The complete Grow Minnesota! annual report can be found at www.mnchamber.com/research_economy/ annualreport/index.cfm. â&#x20AC;&#x153;The Grow Minnesota! program has evolved to now provide all of the tools and resources we need to run a successful business retention and expansion program yearround,â&#x20AC;? said Daron Van Helden, president of the Burnsville Chamber of Commerce. â&#x20AC;&#x153;Most recently through the Grow Minnesota! â&#x20AC;&#x153;Get Ready to Growâ&#x20AC;? grant and loan program, we were successful in bringing more than $100,000 to stimulate small businesses in our local economy.â&#x20AC;? Grow Minnesota! started with the goal of thanking businesses for investing in Minnesota and employing Minnesotans.Â Every Grow Minnesota! business retention visit also includes an offer of assistance to the company to help it be more successful in Minnesota.Â Businesses also are asked what is needed in public policy to assure they will stay and grow in the state. With more than 4,000 business retention visits completed in six years, it became apparent that the 50 local chamber partners and their

volunteers are connecting only with a fraction of Minnesotaâ&#x20AC;&#x2122;s more than 100,000 businesses. That reality spawned the creation of BusinessConnection, an electronic business assistance and referral network launched in conjunction with the Minnesota Department of Employment and Economic Development. The service is free to all companies and is intended to be a single entry point to help businesses connect with private and public resources to solve everyday business problems. It can be accessed online at www.mnbizconnect.com or by calling (888) MINN-BIZ (646-6249). Blazar said he expects the economic recovery to bring more exporting and more orders â&#x20AC;&#x201C; but not necessarily more jobs. â&#x20AC;&#x153;Creating more businesses will be key to getting Minnesotans back to work,â&#x20AC;? Blazar added.Â Jobs shed during the recession have, to a significant extent, been permanently replaced by changes in processes, procedures and even some new equipment. Â Â â&#x20AC;&#x153;Minnesotaâ&#x20AC;&#x2122;s economic recovery has begun and will continue through the coming year,â&#x20AC;? Blazar said. â&#x20AC;&#x153;But the message is clear. There is a new reality coming for businesses across our state, and now is the time for everyone â&#x20AC;&#x201C; businesses as well as policymakers â&#x20AC;&#x201C; to understand the risks and mine the new opportunities.Â A big part of that is to create more businesses and have them be successful.â&#x20AC;?

You say you didnâ&#x20AC;&#x2122;t notice until it was too late to do anything about it? Probably not, if you arenâ&#x20AC;&#x2122;t checking the Public Notice columns of this newspaper regularly. Public Notices are required by state law to protect your rights and to help you function more effectively as a citizen. Access to information about what government agencies are doing is what makes the American the most powerful citizen in the world. The Public Notices give you access to information you need ... about new local laws that will affect you ... about plans for major land use changes ... about where roads will go ... whose land will be condemned ... how your tax dollars will be spent ... about court actions that could be important to you, or just plain interesting. Whether you know them as Public Notices or as â&#x20AC;&#x153;the legalsâ&#x20AC;?, it pays you to check the Public Notice columns in this newspaper each issue. What you donâ&#x20AC;&#x2122;t know might cost you!

Dakota County Tribune BUSINESS WEEKLY

Thisweek Newspapers 952-894-1111

44A

January 28, 2010 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

tant tool the center can use to adapt once baby boomers retire, he said. For instance, the center is installing an electronic record-keeping system as a way to increase efficiency, Berry said.

Workforce from Page 1A

individuals longer who near retirement,” he said. Uponor officials are also thinking long term. Fielder said the company plans to be involved in early training opportunities for both employees and local institutions, such as Dakota County Technical College. “We need to partner with organizations and agencies that will help up prepare a more skilled workforce to meet our needs,” he said. The company can also adapt by increasing efficiency, he said. Recently, the company began to automate its design process for placing systems in homes to make it more efficient. While some industries will be affected by the shortage within the next five years, some with older workers may not be as dramatically affected until 10 to 20 years from now because of the recession. Health care, manufacturing and educational sectors, which employ almost 40 percent of workers ages 55 to 64 in the Twin Cities, are expected to be affected as the last of the boomers retire. Health care alone employs 13.2 percent of work-

Longer from Page1A

percent said they will likely spend less in retirement. Twenty percent of respondents said they already stopped putting money into a 401(k), IRA or other retirement account. Many people struggled to save for retirement even before the economy plummeted. More than a quarter (28 percent) of respondents said they felt their savings were not on track for retirement before the economy slowed. Another national study conducted in 2006 by the Employee Benefits Research Institute, found that 36 percent of people 55 and older have less than $10,000 set aside in a retirement plan or savings. Only 13 percent of respondents said they had between $200,000 and $500,000 saved and another 13 percent said they had more than $500,000 saved. Although studies indicate that a large percentage of people plan to postpone their retirement, there is currently no data on whether more older people are currently delaying retirement because there is no national definition of retirement. People may obtain Social Security benefits as early as age 62 or as late as age 70, but the typical age for full benefits is 66 for people

80000

Cultural shift

64000 48000 32000 16000 0

ers ages 55 to 64 in the Twin Cities. The Apple Valley Medical Center is no exception. Of its 220 employees, about 60 percent are older than age 50. The recession has allowed the independent clinic to buy some time as many people plan to delay retire-

born between 1943 and 1954, and 67 for those born in 1960 and later. There is no data on how many people who retired from their primary career re-entered the workforce in either a part- or full-time job. Studies have found that there are more older workers currently in the workforce than previously. Between the first quarters of 2000 and 2008, the number of workers age 55 and older in the Twin Cities increased by 83,200 people, according to the Minnesota Department of Employment and Economic Development. This phenomenon raised the percentage of older workers from 11 percent of the total regional workforce in 2000 to 15.9 percent in 2008. At the same time, the labor force participation rate for people age 55 to 64 increased in Minnesota from 64.7 percent in 2000 to 71.6 percent in 2008, according to DEED. Although people in their 50s and early 60s may be delaying retirement, those 65 and older seem to be working less or retiring. In 2000, 19.7 percent of Minnesotans age 65 and older were in the workforce, including 4,000 people actively seeking employment, according to DEED. But by 2008, older work-

ment due to the economy, Apple Valley Medical Center Administrator Adam Berry said. According to an AARP 2008 national survey, 65 percent of respondents age 45 and older said they will delay retirement if the economy does not improve. (See related story on older work-

ers delaying retirement in this edition.) However, the economy will not stay in a recession forever, and as it improves, many people will likely begin to retire, Berry said. The Apple Valley Medical Center is beginning to prepare, he said. Technology is an impor-

In addition to facing a potential shortage, employers will need to adapt to a changing culture in the workforce, Long said. Boomers are often more willing to work longer hours and willing to sacrifice family and personal life for their career, he said. Generation Xers tend to be less willing to make these sacrifices and more interested in finding employers who provide work-life balance, Long said. Generation Xers also tend to be more entrepreneurial risk-takers, he said. “For employers, there is a growing concern about less loyalty among younger workers,” Long said. The best way to satisfy both young and older employees is to provide on-going professional development programs and flexibility, Long said. “Younger workers can be nurtured through educational programs that help them build the knowledge

and skills they need to take on increased responsibilities,” he said. Uponor already does this by providing training and educational opportunities for its workers, Fielder said. It also provides the workhome balance Generation Xers desire by offering flexible hours, telecommuting and job-sharing opportunities, Fielder said. The Apple Valley Medical Center is also working on creating more flexibility for its workers to evolve with the changing climate. Some employees, for instance, will be able to work from home thanks to the new electronic record-keeping system, Berry said. Although the cultural shift presents challenges, it also has its advantages, Long said. Both Generation X and Millennials (Generation Y – those born after Generation X until the year 2000) tend to be more tech savvy than baby boomers and are more oriented toward conducting business online and through social networks, he said. Both can help companies compete in a global market where technology is constantly changing, Long said. Jessica Harper is at jessica.harper@ecm-inc.com.

How to plan for retirement $250-$500

$500+

$100-$250 Less than $10 $50-$100 $10-$50

Graph by Robyn Berg

According to a 2006 national survey more than one-third of people said they have less than $10,000 set aside in a retirement plan or savings. ers’ participation fell to 15.9 percent with 2,000 people 65 and older seeking jobs. As older workers remain in the workforce longer, how does it affect younger employees hoping to find better-paying jobs? Several recent studies have found rising levels of workers dissatisfied with their jobs and their employers. One recent survey covered by the Associated Press indicates that only 45 percent of Americans are satisfied with their work. University of St. Thomas Assistant Dean of Executive and Professional Development Durwin Long said

that dissatisfaction is certainly a result of diminished career opportunities. “It is unclear, however, whether delayed retirement on the part of the (Baby Boom Generation workers) is responsible for diminished career opportunities at this time,” he said. “However, it is a growing concern for the future.” Long points out that the recession is not infinite and that older workers will retire eventually. When they do, this will pose an entirely different problem. (See related story on changing dynamics in the workforce.) As for John, he said his goal now is to retire by age

Although the recession has caused many people to delay their retirement, most will retire at some point. So what strategy will ensure you will have enough to live comfortably into old age? “The most common mistake is not having a plan,” said Stacey Brown, a finance advisor at Edward Jones. “The second most common mistake is not following the plan.” Brown said people should create a retirement plan early – when they first enter the workforce. “I tell people that as soon as they get a job, they should start saving,” she said. “The sooner the better.” If people do not save immediately, they should at least begin to save before they have children, because expenses are likely to increase by then, Brown said. Once someone begins a retirement account, the key is to diversify, she said. “It’s people who get greedy that lose the most money,” Brown said. However, everyone has different investment needs. Some people are more aggressive while others are more conservative with their investments. “People should invest in a way that they are most comfortable with,” she said. When saving for retirement, people should also keep in mind that they need to set aside money for health costs and long-term care in addition to daily expenses. There is no magic dollar amount, Brown said, but people need to consider how they wish to live after they retire such as whether they plan to move, travel or buy additional property. 62, but that he thinks he will likely need to wait until age 66. When he does retire, John said he will likely not be able to travel as much as he had hoped and may need to cut back on other expenses. Despite the setbacks, John said he considers himself lucky.

“I may not be able to do as much as I had hoped, but I have to be thankful that I have a home,” he said. “Many people are worse off than I am.” Jessica Harper is at jessica.harper@ecm-inc.com.