1/26/2012 - Dakota County Tribune Business Weekly by Dakota County Tribune

JESSICA HARPER JESSICA HARPER LAURA ADELMANN

Buffets Inc. files for bankruptcy 2A Intertech expands in Eagan 2A Farmington mayor aims for re-election 2A

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DATE ##, 2009 JANUARY 26, 2012

VOLUME 30, NUMBER # VOLUME 32, NUMBER 48

'DNRWD &RXQW\ 7ULEXQH Since 1884

could happen Proposed south of Lakeville Speedway by Aaron Vehling

DAKOTA COUNTY TRIBUNE

A company has proposed to build south of Lakeville the Minnesota Speedway Park, a $500 million NASCAR-ready racing complex. Though in its very early stages, the plan for the site at Highway 2 and I-35 in Elko New Market has initiated some positive and some negative reverberations throughout the area. El Tinklenberg, spokesman for International Motorsports Entertainment and Development Corporation (IMEDC), said the site will bring in tourism dollars and jobs to Scott and Dakota counties. “This project will create literally thousands of jobs during construction and operation,” he said. At least one area resident is concerned about noise pollution, traffic and environmental degradation. Shahna Monge lives in New Market Township, about a half-mile from the proposed site. Among her list of worries is the effect the

project would have on thee Vermillion River, which runs just north th of the proposed site. “When you pave a surface, ace, there is a lot of runoff into waterways,” she said. Monge also was concerned rned about the developer’s funding streams:: What happens if it never finishes the sitee and a halfcompleted project blights the area? Tinklenberg said IMEDC MEDC received an “oral commitment ment from the funder to finance ce the entire project.”

Park draws opponents

INSIDE BIZ FORUM

State Legislature should not grant a monopoly to two horse racing tracks to subsidize another monopoly – the Vikings. PHIL 4A KRINKIE FORUM

Legislators need to approve Gov. Mark Dayton’s bonding bill as soon as possible to create much-needed jobs. DON 4A HEINZMAN

Long road ahead The complex, should it survive regulatory hurdles and Elko New Market City Council and Scott County Board d vvotes, would feature a seven-eighths mile oval track, ck, a hotel conference facility, ility,

CAPITOL COMMERCE

Gov. Mark Dayton and legislators are optimistic they can avoid a repeat of last session’s shutdown. MARK 7A DAYTON

See Speedway, Page 9A

CAPITOL COMMERCE

The Minnesota DFL Party has f iled an ethics complaint against Sen. Dave Thompson, R-Lakeville. DAVE 10A THOMPSON

Graphic submitted

A company is proposing to build a $500 million NASCAR-style race track at Highway 2 and I-35 in Elko New Market, just south of Lakeville. It would open in 2014.

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

Eagan health insurer names next CEO by Jessica Harper DAKOTA COUNTY TRIBUNE

Eagan-based Blue Cross and Blue Shield of Minnesota announced last week that it has chosen a new CEO and president to lead the nonprofit health care insurer. Kenneth Burdick is expected to

join Blue Cross in mid-February. He will succeed Patrick Geraghty, who left in July to join Blue Cross and Blue Shield of Florida, according to a news release. Burdick most recently served as senior vice president of Bethesda, Md.-based Coventry Health Care Inc. and was the CEO of their

Medicaid and behavioral health business. Coventry serves more than 5 million members across the nation. Prior to his role at Coventry, Burdick served as CEO of two UnitedHealth Group companies. He also held senior leadership positions at Travelers Companies and

CIGNA Corporation. Burdick is a graduate of Amherst College and has a J.D. from the University of Connecticut School of Law. Jessica Harper is at jessica.harper@ecm-inc.com. Kenneth Burdick

January 26, 2012 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Struggling Eagan buffet company files for bankruptcy by Jessica Harper DAKOTA COUNTY TRIBUNE

Distressed Eagan restaurant company Buffets Inc. filed for Chapter 11 reorganization for the second time Jan. 16, but has said the company has already reached agreements with its creditors. It also plans to close 81 underperforming restaurants, which is about 16 percent of its nationwide chain, as part of efforts to turn around its financial situation. In the reorganization filing with the U.S. Bankruptcy Court in Delaware, Buffets said it has the â&#x20AC;&#x153;full supportâ&#x20AC;? of senior lenders who hold 83 percent of its debt for a plan that will erase all of the companyâ&#x20AC;&#x2122;s estimated $245 million of debt and interest payments of $30 million. The company expects it will be able to close the bankruptcy within six months, and existing lenders will receive 100 percent in new common stock. Buffets is the largest steakhouse and buffet chain nationwide with 494 restaurants in 38 states. It operates such restaurant chains as Old Country Buffet, HomeTown and Tahoe Joeâ&#x20AC;&#x2122;s Famous Steakhouse.

The company first filed for bankruptcy in early 2008 and emerged in 2009. It was publicly traded until 2000 when it was purchased by New York private equity firm Caxton-Iselman, now CI Capital Partners, for $643 million, according to news reports. In May, Buffets Inc. announced it was exploring a strategic alternative including a possible sale, according to a Star Tribune report. That month, the companyâ&#x20AC;&#x2122;s foreclosed 100,000-square-foot headquarters was auctioned and bought by Eagan pharmacy benefits manager Prime Therapeutics with the aid of a $500,000 forgivable loan from the state for creating jobs. Buffets Inc. CEO Mike Andrews has said the company will try to renegotiate more favorable lease agreements. The company has a $50 million loan from its existing lender, which in addition to available cash flow is expected to provide Buffets Inc. enough liquidity to operate during the restructuring process. Jessica Harper is at jessica.harper@ecminc.com.

Photo by Jessica Harper

Eagan software training, consulting and development company Intertech moved within the city as part of a multimillion dollar expansion. At 13,000 square feet, its new facility at 1575 Thomas Center Dr. in Eagan is nearly twice the size of its former headquarters on Discovery Road.

Software company moves, expands in Eagan by Jessica Harper

Farmington mayor runs for re-election by Laura Adelmann

â&#x20AC;&#x153;We are looking for any way we can to develop partnerships,â&#x20AC;? Farmington Mayor Todd LarLarson said, noting the school son will seek re-election in Nodistrict is considering leasing vember. space at City Hall, a move that â&#x20AC;&#x153;Iâ&#x20AC;&#x2122;ve worked hard for three may save the district money while years to bring a positive image to bringing revenue to the city. Farmington, and we have turned Todd Larson He also cited his continuing efa corner,â&#x20AC;? Larson said. â&#x20AC;&#x153;I want to forts to develop a fire service diskeep that vision and model going now trict with Rosemount and Empire Towninto the future.â&#x20AC;? ship to cut costs and maintain response Citing improved city communications times. and leadership, Larson said he has helped â&#x20AC;&#x153;We have leadership all on the same build stronger community relationships page, and I see good things ahead,â&#x20AC;? Larand improve the cityâ&#x20AC;&#x2122;s bottom line while son said. in office. The mayor in Farmington is elected He is focused on diversifying the cityâ&#x20AC;&#x2122;s to a four-year term and earns $8,040 antax base in 2012 and beyond. nually; council members also serve four â&#x20AC;&#x153;My goal for the city is more busi- years and receive $7,020 every year. ness,â&#x20AC;? Larson said, emphasizing the need In 2012, seats held by council memto keep taxes under control while improv- bers Terry Donnelly and Julie May are up ing Farmingtonâ&#x20AC;&#x2122;s commercial, retail and for re-election. industrial tax base. Council Member Christy Jo Fogarty Elected in 2008, Larson said under announced her candidacy for the retiring his leadership the city developed a capital Joe Harrisâ&#x20AC;&#x2122; seat on the Dakota County improvement plan and made cuts that in- Board of Commissioners. cluded dropping a consultant engineer. If she is elected, the 2013 Farmington During his term, Larson said the city City Council will select a member to fulhas strengthened its relationship with the fill Fogartyâ&#x20AC;&#x2122;s term. school district and neighboring commuLaura Adelmann is at laura.adelmann@ nities. ecm-inc.com. Those relationships are leading to changes for all entities, Larson said. DAKOTA COUNTY TRIBUNE

DAKOTA COUNTY TRIBUNE

Eagan technology firm Intertech has recently made a multimillion dollar move and expansion after experiencing significant growth. The software training, consulting and development company moved across town Dec. 28 to the former American Bank building at 1575 Thomas Center Dr. At 13,000 square feet, the new facility is nearly twice the size of Intertechâ&#x20AC;&#x2122;s former space on Discovery Road. â&#x20AC;&#x153;The new space is driven by our record sales and growing need for training space,â&#x20AC;? said Intertech CEO and founder Tom Salonek. Intertech earned $7.5 million in sales in 2010, which grew to $10.5 million in 2011. The new building has six classrooms equipped with smartboards where Intertech provides software training for

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companies nationwide. Those who cannot attend training sessions in person can participate online. This new option has expanded Intertechâ&#x20AC;&#x2122;s client base over the past few years. The facility also has a number of student lounges and a software development area, as well as offices and a conference room. Salonek founded Intertech in 1991 after working for Thomson Reuters for several years as a programmer. â&#x20AC;&#x153;Starting my own business is something I had always thought about doing,â&#x20AC;? the St. Thomas graduate said. â&#x20AC;&#x153;I thought, â&#x20AC;&#x2DC;Lifeâ&#x20AC;&#x2122;s short so I might as well give it a shot.â&#x20AC;&#x2122;â&#x20AC;? Much has changed in the last two decades, specifically in technology, and keeping up with the constant advances can be challenging, Salonek said. â&#x20AC;&#x153;Itâ&#x20AC;&#x2122;s a mixed blessing,â&#x20AC;? he said, adding that the companyâ&#x20AC;&#x2122;s

consulting and training programs help Intertech stay on top of the latest trends. Intertechâ&#x20AC;&#x2122;s instructors are continuously researching the latest software developments to ensure its classes are up to date, Salonek said. Overall, the past 21 years have been good to Intertech. The company was virtually untouched by the recession as its client base and revenues continued to grow. I n addition to its training program, the company was able to grow its consulting and development division with a significant portion of its business coming from state agencies and Fortune 1,000 companies. And while many companies were experiencing layoffs in the last few years, Intertech was able to grow to 65 employees. Jessica Harper is at jessica. harper@ecm-inc.com.

Year-end Twin Cities residential construction remains solid After a slow start in 2011, residential construction in the region ended the year relatively well. With the help of two large multi-family projects, Decemberâ&#x20AC;&#x2122;s permit and planned unit numbers were higher than any December since 2006. Year-to-date, permits came in higher than any year since 2007. While planned units lagged behind 2010 by almost 20 percent, this can be almost entirely attributed to the 50 percent drop in multifamily units (in buildings of 17 units or larger), with single family homes coming in two percent higher in 2011 than in 2010.

According to statistics compiled by the Keystone Report for the Builders Association of the Twin Cities (BATC), there were 293 permits for a total of 568 units during four weeks in the month of December 2011. Year-to-date, there were 2,978 permits issued for a total of 4,529 units. â&#x20AC;&#x153;While our builders have been seeing small signs of recovery all year, it was pretty clear that any sustained growth would remain elusive,â&#x20AC;? said Rich Riemersma, BATC 2011 President and co-owner of Imperial Homes. â&#x20AC;&#x153;Both our spring and fall Parade of Homes events drew

more visitors than weâ&#x20AC;&#x2122;ve seen in awhile, but many of those folks remain hesitant to buy. â&#x20AC;&#x153;Cautious optimism continues to be the guiding principal for our industry,â&#x20AC;? Riemersma said. Burnsville led the metro in building activity for the month with 141 units permitted. Lakeville followed with 102 units. Chanhassen and Woodbury both had 31 units permitted, with Blaine rounding out the top five with 25 units. For the year, Minneapolis led the way with 416 units permitted, followed by Blaine with 336, Woodbury with 292, Plymouth with 286 and Maple Grove with 265.

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY January 26, 2012

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

Moving Up REYNA STAATS Promoted to senior business development specialist at US Federal Credit Union Burnsville

Reyna Staats has been promoted to senior business development specialist in the marketing department at US Federal Credit Union, Burnsville. Staats will promote programs for partner companies. She was previously branch manager for the credit union’s Shakopee location.

Accolades MVTA RECEIVES AWARD FOR FINANCIAL REPORTING The Minnesota Valley Transit Authority, Burnsville, was awarded the Certificate of Achievement for Excellence in Financial Reporting by the Government Finance Officers Association of the United States and Canada. The award was presented for the MVTA’s comprehensive annual financial report (CAFR). MVTA finance officer Lois Spear also received the Award of Financial Reporting Achievement for her role in preparing the CAFR.

Business Briefs CENEX CELEBRATES GOOD DEEDS WITH FREE FUEL To recognize and reward the people in the communities its retailers serve, Cenex — the energy brand of Inver Grove Heights-based CHS — is launching Tanks of Thanks, a program that gives free fuel to those who help make their communities just a little bit better. The program gives Cenex customers and anyone else in the community a new way to say “thank you” to neighbors, friends and family by recognizing their good deeds and nominating them for free fuel from their local Cenex retail location. Nominating someone for Tanks of Thanks is easy, and anyone can nominate or be nominated for any act of kindness. Visit TanksofThanks.com and briefly describe why someone deserves a Tank of Thanks. The site also shares other nominations from communities across the country. Each month, 12 nominees will be drawn at random to receive a Tanks of Thanks gift card worth $50. In addition to the monthly drawing, each Cenex dealer or retailer can also give away Tanks of Thanks gift cards to reward individuals they see doing good in their local communities.

Business Briefs

CHS FOUNDATION ACCEPTING SCHOLARSHIP APPLICATIONS

NEW SERVICE FOR DIVORCING COUPLES OPENS IN BURNSVILLE

High school and two-year college students are invited to apply for a $1,000 scholarship from the CHS Foundation, the major giving entity of CHS Inc., an Inver Grove Heights-based farmerowned cooperative. The CHS Foundation will award 50 $1,000 high school scholarships to students planning to study an agricultural field at a two- or four-year college and 25 $1,000 two-year college scholarships to first-year agricultural students attending a two-year college. The application deadline is April 1. For eligibility information and application forms, students should visit the University Partnerships section of the CHS Foundation website, www.chsfoundation. org. The CHS Foundation also offers four-year university scholarships for students currently working toward an agricultural-related degree. Application deadlines vary. Visit the CHS Foundation website for more information.

Certified Divorce Financial Analyst Terryl Johnson recently opened a practice in Burnsville called Divorce Financial Directions. The firm is dedicated to assisting divorcing couples with the financial ramifications of marriage dissolution. Johnson holds a certification from the Institute of Divorce Financial Analysts, a national organization based in North Carolina. She has almost 30 years experience as a financial advisor. A CDFA works with clients individually or as couples, with or without attorneys, helping them to come to grips with the financial reality of their individual divorce situation. Developing comprehensive insight of the short and long-term financial effects of divorce can save valuable time, money and distress, especially if the process is conducted early in the legal proceedings. Minnesota is an equitable distribution state without regard to marital fault. That means the courts will recognize settlements that are fair, but not necessarily equal. “Misinformation, expectations and misconceptions about the divorce process can be detrimental,” said Johnson. “I am there to help navigate a fair settlement that offers more future stability and prevent long-term regret with regard to all financial decisions made during the divorce process.” The process can help take away some of the anxiety money adds to the divorce process which can help couples more effectively negotiate on other issues in the Cooperative Law process. Johnson can be reached by phone at (952) 431-0805 or email at Terryl@divorcefinancialdirections.com.

FRONTIER COMMUNICATIONS OFFERS SOCIAL MEDIA WEBINAR Burnsville-based Frontier Communications will offer the webinar “Social Media 2012: Tips and Tricks to Grow Your Business” from 11 a.m. to noon Wednesday, Feb. 8. Register for the free webinar at https://www3.gotomeeting. com/register/526180342. BITE OF BURNSVILLE SLATED MARCH 15 The Burnsville Chamber of Commerce will present Bite of Burnsville from 6 to 10 p.m. Thursday, March 15, at the Burnsville Performing Arts Center, 12600 Nicollet Ave., Burnsville. The event will feature cuisine samplings from more than 20 restaurants, a full bar, raffle drawings and entertainment. TWIN CITIES GAS PRICES RISE Average retail gasoline prices in the Twin Cities have risen 5.9 cents per gallon in the past week, averaging $3.31 per gallon on Jan. 22. This compares with the national average that has increased 0.6 cents per gallon to $3.34 per gallon, according to gasoline price website TwinCitiesGasPrices.com. Twin Cities gas prices on Jan. 22 were 13.1 cents per gallon higher than the same day one year ago and are 5.7 cents per gallon higher than a month ago.

Business Briefs REGISTER FOR SECOND ANNUAL WOMEN’S CONFERENCE Registration is open for the Dakota County Regional (DCR) Chamber of Commerce’s second annual WomEn’s Conference set for March 1 at the Lost Spur Golf and Event Center in Eagan. The mission of the conference is to connect women and enrich their personal and professional lives by providing the tools and resources to fulfill their aspirations. This half-day event will feature opening keynote speaker, Shaunice Hawkins, keynote speaker Louise Griffith, closing presenter, Theresa Rose, and a wine-tasting reception. A marketplace of businesses offering their products and services related to Energizing, Educating and Empowering women will also be available to participants. Multiple local businesses have already offered to provide financial support to the event by sponsorship, including Thomson Reuters, Delta Dental, Danbury IT, Xcel Energy, TruStone Financial, Fairview Ridges Hospital, Dakota Electric Association, Wings Financial, VTI Security, The Commons on Marice, TDS, Blue Cross and Blue Shield of Minnesota, The Minneapolis St. Paul Business Journal, Gateway Bank, Eagan Convention and Visitors Bureau, Bremer Bank, and Anchor Bank. The Dakota County Regional Chamber is offering an early bird ticket price of $129 per person through Jan. 31. Registration is available by calling the chamber office at (651) 452-9872.

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 reporter.thisweek@ 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 26, 2012 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

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

Creating a level playing field for gaming by Phil Krinkie SPECIAL TO THE TRIBUNE

You’ve heard the phrase a hundred times: “We want a level playing field.” It’s an old axiom that refers to a flat playing surface so that one side is not advantaged over the other. The term is also used in business jargon to discuss the desire for fair and equal treatment from the government. Businesses and unions alike spend hundreds of thousands of dollars each year to lobby the government in order to tilt the playing field to their advantage through government regulation or to preserve an economic advantage they’ve established through legislation. One such economic advantage that has been an issue for years at the state Legislature is tribal gaming. Years ago, the U.S. Supreme Court ruled that sovereign Indian tribes could conduct gambling on tribal lands without interference from the state, but the Federal Gaming Regulatory Act of 1988 added a requirement that in order for tribes to operate casino-style gaming they must enter into a compact with the state to provide some measure of control at the state level. Minnesota tribes were the first in the nation to negotiate and sign gaming compacts with a state government. The governor at the time, Rudy Perpich, signed a compact that permits video games of chance (slots) and blackjack (a class of gaming illegal in the rest of the state) to be operated on tribal land and a gaming monopoly was born. The Minnesota compact has no expiration date and doesn’t require the tribes to pay taxes to the state on gambling proceeds, but it does grant the state power to impose

Guest Columnist Phil Krinkie

and collect specified fees to reimburse the state for gaming enforcement costs. This gaming monopoly granted to Minnesota’s Indian tribes has been a contentious issue at the Capitol for years. It is estimated that tribal gaming produces up to $600 million a year from the 18 casinos in the state. Year after year there is an eager group of lawmakers who want to end the tribal gaming monopoly. But the difficult question is: “How?” Minnesota’s tribal-state compacts may not be “reopened” or renegotiated unless both sides agree to do so. Because the once modest tribal-operated bingo halls have evolved into profitable Vegas-style casinos, there is little motivation for the Minnesota tribes to agree to reopen negotiations with the state. State lawmakers have proposed dozens of methods to end the monopoly on gaming they created over 20 years ago. The legislative proposals have ranged from electronic pull tabs to a state-run casino in downtown Minneapolis. The proposal that has gained the most support over the years is racino. The racino legislation would establish casino-style gaming at Minnesota’s two horse-racing tracks; one in Shakopee and the other in Columbus. Under this proposal, both establishments would be allowed to install thou-

sands of slot machines to be operated by the state Gambling Control Board. The estimate is that should these two facilities be permitted to add slot machines, it would bring in over $100 million a year in new tax revenue for the state. These two gambling operations would be closer to downtown Minneapolis and St. Paul than any of the 18 tribal gaming operations and therefore affect the casino gambling monopoly held by the tribes. A level playing field? No; the two horse tracks are privately owned, for-profit businesses. In the Legislature’s attempt to level the playing field, it is creating a separate field for two race track owners based on the premise that it will produce hundreds of millions in new tax revenue for the state. Granting a gambling monopoly to two private business owners in order to compete with the tribal gaming monopoly is a very short-sighted plan. It does little to diminish the tribal gaming monopoly, and results in a new tax, which will grow government spending. But what is even more bizarre than proposing to fix a monopoly by creating a new monopoly is the fact that lawmakers are proposing to use the new tax revenue from the horse track gaming monopoly to fund another government created monopoly – a new Vikings stadium. That’s right; create a monopoly enterprise and use the revenue produced to fund another government-created monopoly. Makes perfect sense if you are in government. Establish a new tax for people who gamble so we can subsidize people who want

Governor’s bonding bill should be adopted to create more jobs by Don Heinzman DAKOTA COUNTY TRIBUNE

With about 176,000 Minnesotans out of work, Gov. Mark Dayton’s bonding bill, which a study says will create 21,700 jobs, should be considered immediately. All or major portions of it should be approved in time for the upcoming construction season. This is the time to end political infighting over such a serious matter. Minnesotans expect legislators to do all within their power to put more people back to work in this state. The $750 million bonding bill is intended to build roads and bridges, floodprevention projects and important buildings for the University of Minnesota and state colleges and universities. It includes bonding for an educational facility at Camp Ripley, an addition to the science building at Anoka-Ramsey Community College, and money to renovate transportation and emerging technologies at Dakota County Technical College. While some will question spending funds for a new minor league ball park in St. Paul and a face-lift of the Nicollet Mall, let the debate begin on the merits of all these proposals. Within this bill is $25 million for development of the Southwest Corridor sys-

Guest Columnist Don Heinzman

tem that would extend light rail, including 17 stations from the Target Center in Minneapolis to Eden Prairie. When all of the governmental matching and other funds are added, the total for the state’s bonding bill expenditures could reach $1 billion. Not surprisingly, House Majority Leader Matt Dean, R-Dellwood, says this is not the time to borrow money to create jobs. He disputes Dayton’s job estimate from the bill and says there’s still $1.5 billion in bonding money remaining to be spent. Dayton says he bases his jobs estimate on a study by Dr. Stephen Foster of George Mason University. Dean, on the other hand, has no study to contradict the jobs estimate. Dean says selling bonds to create jobs may feel good, and may be something people want to do, but it’s not a proven winner. The majority leader should tell that

to all those in the construction industry that is in a depression. During the last six years, one-third of the construction jobs in Minnesota have disappeared. What should impress Republican legislators is that this money will go to private sector construction businesses that are hurting. Most of the state construction and infrastructure projects will go to the highest private sector bidder. Republicans rightly are reminding Dayton that the Minnesota Legislature approved a $535 million bonding bill last session. House Speaker Kurt Zellers, R-Maple Grove, contends bonding projects should be for critical infrastructure like repairing deteriorating roads and bridges, not local “pet projects.” That, of course, should be a major criteria. Legislators should realize, however, that they represent all of the people in their districts, particularly the unemployed who are counting on them. Don Heinzman is chairman of the ECM Editorial Board. Thisweek Newspapers and the Dakota County Tribune are part of ECM. He can be reached at don. heinzman@ecm-inc.com. Columns reflect the opinion of the author.

Submissions to Forum: www.DakotaCountyTribune.biz

to watch football, while three private businesses make millions because the government granted them a monopoly enterprise. Creating a governmentgranted monopoly in a free market is always a mistake, and the state made a mistake when it granted the tribes a monopoly on casino gambling in perpetuity. There is nothing legislators can do to change that reality, but they can learn from the mistake and not create more government-granted monopolies. Putting slot machines at two horse tracks to fund a new home for Mr. Wilf ’s NFL monopoly is a bad idea. The only reason the Vikings owner can extort hundreds of millions of dollars from Minnesota taxpayers is because the federal government has made the NFL a multi-billion dollar monopoly. The goal of legislators in the upcoming session should be to create a level playing field for all businesses. Don’t provide millions in subsidies to some businesses, while selectively taxing others. Protect the free market by preventing more governmentgranted monopolies. Phil Krinkie, a former eight-term Republican state representative from LinoLakes who was chairman of the House Tax Committee, is president of the Taxpayers League of Minnesota. He is a member of the Minnesota State Colleges and Universities Board. He is at philk@taxpayersleague.org. Columns reflect the opinion of the author.

Dakota County Tribune BUSINESS WEEKLY

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

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DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY January 26, 2012

Photo by Laura Adelmann

Farmington business leaders are working to better market businesses in the northern A longtime business in Farmington is Gerster Jewelers, where owner Jim Gerster works on and southern parts of the city. In the northern end, Dawn Van Haaften grooms Angus at a watch. Groomingdale’s Pet Salon. Photo by Laura Adelmann

Farmington grows together in promoting city Leaders hope to attract hotel development by Laura Adelmann DAKOTA COUNTY TRIBUNE

Farmington is undergoing an inside-out business marketing transformation. After years of groups planning independently, members of the business community are joining city, school and civic organizations to unite in promoting the city and its businesses while actively pursuing additional commercial development. Officials have employed numerous strategies in the past year, with the most recent being exploration of starting a visitors and convention bureau. One of the goals of the visitors and convention bureau would be building a case for attracting a hotel to the city. “We’re putting a goal out there of having a hotel in the city within two years,” Farmington Business Association President Clyde Rath said. To meet that goal, business leaders are compiling

and will be offering statistics about annual events that draw crowds and would fill a hotel in Farmington. One of the biggest events in the city is an annual boys basketball tournament, which draws thousands to the city. Until just a few months ago, Farmington business leaders didn’t know the tournament existed. A conversation between a student and a business owner raised the issue, and within days the business community organized a visitors table to greet guests and provide information about local businesses. Rath said that joint activity has renewed efforts among business people to market Farmington to hotel developers. Much of the new inspiration sprang from activities promoted by the Farmington Business Association and Grow Farmington, a group of business leaders who have developed and deployed marketing strategies.

Last summer, Grow Farmington joined forces to decorate both north and south business centers with large flower pots. The decorative foliage was more than just for beauty; it was a visible display of a new connection between the city’s old-fashioned downtown and its more contemporary northern edge. Instead of competing against each other, city leaders are continuing to join forces and cross-market for each other, promoting the community as a whole instead of trying to draw business into one area or the other. Past rifts had impeded development and marketing plans for decades. The north/south divide was so deep that many in the north didn’t realize Farmington had its own library in the southern part of town, according to Farmington Mayor Todd Larson. For the past several years, there has been a commit-

Photo by Laura Adelmann

Farmington Mayor Todd Larson has said that some Farmington residents in the north have been surprised to learn there is a library in the southern part of the city. The Dakota County Library in Farmington is located across the road from City Hall in its historic downtown. ment among business and city leaders to work together instead of against each other. After every Farmington City Council meeting, Larson encourages residents to shop local and support the

Farmington community. done,” Batulis said, “when evDakota County Region- eryone’s communicating and al Chamber of Commerce they have shared goals.” President Ruthe Batulis also endorses uniting Farmington Laura Adelmann is at laura. adelmann@ecm-inc.com. businesses. “That’s how work gets

CHS posts first quarter earnings of $416.2 million Inver Grove Heights-based cooperative CHS Inc., reported earnings of $416.2 million for the first quarter of its 2012 fiscal year. Earnings attributed to CHS operations for the period (Sept. 1, 2011, through Nov. 30, 2011) increased 106 percent over the $201.7 million for first quarter of fiscal 2011. Revenues for first quarter of fiscal 2012 reached $9.7 billion, compared with $8.1 billion for the first three months of fiscal 2011, primarily reflecting continued strong values for the energy, grain and crop nutrients products that comprise the majority of CHS business. Earnings were led by the Energy segment, with the majority

resulting from improved margins generated by the CHS Refinery at Laurel, Mont., and the National Cooperative Refinery Association of McPherson, Kan., in which CHS currently owns nearly 75 percent. The company’s propane, lubricants and transportation businesses also reported improved earnings for the first quarter of fiscal 2012, while earnings for the same period declined for its renewable fuels marketing and distribution operations. While soundly profitable, earnings declined within the CHS Ag Business segment due to lower margins for the grains and oilseeds the company markets and processes, as well as for those handled by its Country Operations locally

controlled retail businesses. The company’s crop nutrients business reported a quarter-over-quarter increase in earnings due to increased margins. CHS reports results for its business services operations, as well as two food processing-related joint ventures, under the Corporate and Other category. CHS-owned insurance and financing businesses reported lower earnings for the first quarter of fiscal 2012, while earnings in its risk management business improved. The company’s share of earnings from its 50 percent ownership of Ventura Foods, LLC, a vegetable oil-based food manufacturing business, declined due to decreased margins, as did those

from its 24 percent CHS share of Horizon Milling, LLC, the nation’s leading wheat miller. CHS Inc. is the nation’s leading cooperative, owned by farmers, ranchers and co-ops across the United States. A diversified energy, grains and foods business and a Fortune 100 company, CHS supplies energy, crop nutrients, grain, livestock feed, food and food ingredients, along with business solutions including insurance, financial and risk management services. The company operates petroleum refineries/ pipelines and manufactures, markets and distributes Cenex brand refined fuels, lubricants, propane and renewable energy products.

BATC elects new board The Builders Association of the Twin Cities (BATC) has announced the election of its 2012 president and board of directors. Curt Christensen, owner of Lee Lyn Construction, Watertown, was elected president for 2012. Shawn Nelson of New Spaces, Burnsville, was elected treasurer. Pattie Martin of Glowing Hearth & Home, Burnsville, was elected to serve as a board member.

January 26, 2012 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Capitol Commerce

Bills target education, Met Council for reform Some lawmakers look to change teacher hiring, firing practices by T.W. Budig ECM CAPITOL REPORTER

State lawmakers will be working this session on legislation dealing with education, the Metropolitan Council, corporate law and other areas of human endeavor. House Education Reform Committee Chairwoman Sondra Erickson, R-Princeton, proposes an aggressive agenda for her committee. The committee will be looking at the so-called “Last In, First Out” layoff rule, which requires school districts to terminate recent hires over older teachers in times of layoffs. Critics argue such an approach is “quality blind.” Erickson’s committee also will consider innovative delivery of education. She seeks to establish multiple long-term school district pilot projects in which educators can try new things. “The sky is the limit,” Erickson said. Dayton is reform-minded in terms of education, she explained. “The governor and I work very well together,” said Erickson. “He really does engage well with (Senate Education Committee Chairwoman) Senator (Gen) Olson and I.” As for other proposals, Sen. Ted Daley, R-Eagan, is pushing a bill requiring that novice teachers must pass a basic skills test before being allowed to teach.

“Unfortunately, something happened when it got to the governor,” Daley said of Dayton vetoing his bill last year. The legislation will immediately be brought back this session, he said. A teacher can take the test over if they fail, Daley said. Sen. David Brown, RBecker, says his bill would prohibit the use of education funding shifts as a budgeting tool. “In my mind, we didn’t balance the budget,” Brown said of the last session when the state delayed millions of dollars in payments to school districts. Rep. Bruce Barrett, RShafer, is proposing legislation to change the status of Chisago County, in terms on education funding, into a metro county. He points to stark differences in per pupil school funding between metro school districts like Minneapolis and other school districts as unfair. Barrett argues for a shift away from the concept of school funding based on the number of poor students to the concept of poor school districts. Met Council reform Rep, Peggy Scott, RAndover, looks to pursuing perceived reforms to the Metropolitan Council. She describes the Met Council as staff-driven organization with an act-first-and-ex-

Capitol Roundup

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

plain-later mentality. “There’s a lack of accountability,” she said. Scott said she hears complaints from local governments and private businesses about the council. “It tells me there’s a problem,” she said. Senate Local Government and Elections Committee Chairman Ray Vandeveer, RForest Lake, will be looking at Met Council reform, too. A body that levies taxes ought to be accountable to voters, Vandeveer said. He argues such accountability is currently lacking in the Met Council. Vandeveer is considering legislation that would have counties within the Met Council region appointing county commissioners to the council. “That’s the wild card,” he said of whether Democratic Gov. Mark Dayton would accept the change. Still, Vandeveer expects the legislation to advance. Rep. Jim Abeler, R-Anoka – noting that former Anoka lawmaker Charlie Weaver was a driving force behind the creation of the council — said it would make more sense to him to make the council a state agency rather than tin-

ker with council membership. Abeler agrees with some of Scott’s and Vandeveer’s concerns. When inexperienced people sit on the Met Council, the agency is really staff-driven, Abeler explained. But he questions whether any governor would accept the potential loss of the power that might come with Met Council reform. Governors name Met Council members. “Pawlenty liked it,” he said. “(Democratic Gov. Mark) Dayton likes it,” said Abeler of having the power. Other bills Senate Commerce and Consumer Protection Committee Chairman Chris Gerlach, R-Apple Valley, said one item his committee will address early in the session is the public benefit corporation. Gerlach described a public benefit corporation as a hybrid between profit and nonprofit corporations. In a public benefit corporation, investors invest with the idea of making modest returns on their dollars. For these modest returns, investors are rewarded in knowing the corporation is engaged in part in activities with a public benefit, Gerlach

explained. Under the proposed legislation, liability protection is extended to public benefit corporation board of directors against shareholders intent on greater earnings, Gerlach said. Gerlach is co-authoring the legislation with the Sen. John Marty, DFL-Roseville. His committee will also be looking at occupational licensing, Gerlach said. Some occupations have needless licensing requirements that serve only to close off the marketplace to immigrants and other new Americans, Gerlach said. He is looking at removing occupational licensing from some jobs, as long as removal does not pose a danger to the public, he said. Sen. Dave Thompson, R-Lakeville, is considering proposing a right-to-work constitutional amendment, which if approved by voters, would ban forcing people to join unions or paying union dues as a condition of employment. The proposed amendment would not affect the legal status of unions — people have a right to form unions, Thompson explained. But Thompson argued the recent proposed child care provider unionization vote shows that unions can be used as political tools. “I’ve not counted votes,” he said when asked whether

the right-to-work amendment could pass the Senate. Sen. Paul Gazelka, RBrainerd, looks to decreasing perceived prohibitive environmental regulations blocking business development. “We’re going to continue in that direction,” he said of making the state friendlier to business. Gazelka noted that Republicans and Dayton had found common ground in business permitting reform and speculated that more common ground and be found. Business permitting reform is his top piece of legislation, explained Gazelka. Rep. Tim Sanders, RBlaine, looks to make state government more efficient. He mentions legislation for use of advanced technology in preventing waste, fraud and abuse. Specifically, he looks to the application of advanced technology in human services to improve the identification and rejection of improper Medicaid payments before payment is made to the provider. “It can prevent the (unnecessary) checks from going out the door,” Sanders said. Sanders believes millions of dollars can be saved. T.W. Budig can be reached at tim.budig@ecm-inc.com.

House, Senate Republicans roll out reform agenda Parents could petition to turn schools into charters by T.W. Budig ECM CAPITOL REPORTER

Republicans gathered at the State Capitol on Jan. 19 to present an “aggressive” reform agenda — an agenda neither Republican nor Democratic but Minnesotan, they claim. “This is big,” House Speaker Kurt Zellers, R-Ma-

ple Grove, said. “This is bold reform.” Republicans depict their lengthy agenda, which calls for tax reform, cutting state regulation, improvements in health care and education, as an outgrowth of meetings with the public. House Majority Leader Matt Dean, R-Dellwood, logged some 2,800 miles attending 19 meetings around the state to confer with the public, he said. “It’s hard work. … It requires a lot of buy-in,” he said of forming an agenda.

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Sen. Michelle Benson, RHam Lake, led the Senate reform initiative which largely has the Senate walking in lockstep with the House on reform issues, Senate Majority Leader David Senjem, RRochester, explained. “We’re going to work with the House to make this happen,” said Senjem. In the area of education, Republicans propose to shrink the student achievement gap in Minneapolis and St. Paul by granting the mayors control of the schools. “No one has gone backward,” said House Education Finance Committee Chairman Pat Garofalo, R-Farmington, of cities that have adopted a mayor-at-the-helm strategy for education. Garofalo gave a spirited defense of Republican proposed reforms dealing with charter schools — Republicans would allow parents to petition to convert struggling

public schools into charter schools and call for the aggressive replication of successful charter schools. Exemplar urban charter schools have “completely debunked” the notion children of color cannot academically excel, Garofalo argued. Some proposed reforms in health care — Republicans described their reforms as fighting nationalized health care — include allowing the elderly to convert death benefits into long-term care insurance benefits and better screening of potential recipients to combat Medicaid fraud. House Health and Human Services Finance Committee Chairman Jim Abeler, R-Anoka, spoke of using photo facial recognition technology as a means of cracking down on “a very narrow, targeted group” of Minnesotans defrauding the welfare system.

Looking at government itself, Republican perceived reform mentions equalizing government salaries with those of the private sector, reducing the number of state workers, requiring city and county government to draw up their budgets in a plain and simple style understandable to taxpayers. In terms of reducing the size of the state government workforce, Rep. Keith Downey, R-Edina, House Republican point man on many government reform issues, indicated reduction could be achieved by the simple expedient of not rehiring staff after the staff workers retires. “If you don’t change, you die,” argued Senjem of the rule of change in the private sector that should also hold true for government. Republicans also included a list of items in their reform package that surfaced during

the state government shutdown. These include allowing the Minnesota Zoo, Canterbury Park, the Minnesota lottery and racing commission to operate during shutdowns. They also propose that future shutdowns should not interfere with the sale of beer. Zellers indicated the House Republican Caucus’s top reform priorities are those affecting the business community. Senate Minority Leader Tom Bakk, DFL-Cook, explained that it appeared the Republican reform agenda involved revoking teacher tenure rights and other controversial steps. Returning to ideas that Gov. Mark Dayton vetoed last session in legislation was “not helpful,” Bakk said. T.W. Budig can be reached at tim.budig@ecm-inc.com.

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY January 26, 2012

Capitol Commerce

Lawmakers talk of a speedy session April close could be possible this year

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Photo ID The Republican Legislature last session voted to place a constitutional amendment barring same-sex marriage on the November ballot and could be sending another proposed amendment before voters. The most likely is Photo ID â&#x20AC;&#x201C; proposed constitutional language pertaining to the use of photo identification in voting.

Photo by Howard Lestrud

Democratic Gov. Mark Dayton, Republican House Speaker Kurt Zellers to his right, Republican Senate Majority Leader David Senjem to his left, field questions at the ECM-Sun/Forum Communications session preview last week. Rep. Mary Kiffmeyer, RBig Lake, House Photo ID bill author, has long indicated that if Republicans cannot pass a Photo ID bill legislatively, they would take the constitutional -mendment route. Democrats oppose Photo ID for many reasons, one being they view it as a Republican tactic to disenfranchise traditional Democratic voting blocks, such as young people and minorities. Republicans argue itâ&#x20AC;&#x2122;s a common sense safeguard. Dayton counters that Republicans are undermining a basic concept of American government by trying to sidestep the executive branch instead of working with it to find a legislative solution on Photo ID. â&#x20AC;&#x153;There has to be collaboration there,â&#x20AC;? Dayton said. He vetoed the Republican Voter ID bill last year. â&#x20AC;&#x153;Iâ&#x20AC;&#x2122;m open to negotiating on anything,â&#x20AC;? Dayton said. But he wants bipartisan support on election legislation â&#x20AC;&#x201D; the same policy former Republican Gov. Tim Pawlenty had, Dayton said. House Republicans are â&#x20AC;&#x153;absolutelyâ&#x20AC;? willing to work with the governor on trying to find a legislative solution on Voter ID, Zellers said.

adverse national publicity in wolves could move through recent years because of its lax committee this session. Legattention to bullying, Swan- islative action on controlling son argues. exotic species, such as Asian In the area of the outdoors, carp, could take place. Other legislation legislation pertaining to the House and Senate Repub- establishment of a hunting T.W. Budig can be reached at licans last week presented a and trapping seasons on gray tim.budig@ecm-inc.com. long list of perceived government reforms they plan to pursue this session. Dayton recently proposed ďż˝ a $3,000 tax credit for businesses hiring unemployed veterans or newcomers to the workforce, proposing to pay for the initiative through the closure of perceived tax loop ďż˝ holes. Dayton also proposes to collect the state sales tax on ďż˝ out-of-state Internet retail businesses with sales in Minnesota. Democratic Attorney General Lori Swanson has proposed legislation dealing with school bullying. Swanson criticizes Minnesotaâ&#x20AC;&#x2122;s current anti-bullying ďż˝ law as one of the shortest in the nation. She proposes the state model its anti-bullying law after North Dakotaâ&#x20AC;&#x2122;s, a law that would include im- mediate reporting of alleged

acts of bullying, the establishment graduated penalties on those engaged in bullying and

other policies. 3 Minnesota has gained . 1 2 â&#x20AC;&#x153;Weâ&#x20AC;&#x2122;ll be trying,â&#x20AC;? he said. Governors cannot veto proposed constitutional amendments.

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Lawmakers returned to the State Capitol this week with the freedom to pack up and go home early, and arguably with compelling reasons to do so. Unlike in many recent legislative sessions, lawmakers are under no obligation to patch a leaky state budget. The state budget is running about a $870 million projected surplus, and a recent budget update suggests trend lines remain favorable. â&#x20AC;&#x153;If the budgetâ&#x20AC;&#x2122;s flat, we can be out (of session) in 10 weeks,â&#x20AC;? said Rep. Jim Abeler, R-Anoka. While the next state budget forecast comes out Feb. 29, another red-letter day occurs a week earlier when a special court panel is expected to publish its maps of court-redrawn legislative districts. â&#x20AC;&#x153;Iâ&#x20AC;&#x2122;ll know then which doors Iâ&#x20AC;&#x2122;ll be knocking on,â&#x20AC;? Sen. Ted Daley, R-Eagan, said of the maps being published. Once the maps come out, Senate Minority Leader Tom Bakk, DFL-Cook, said a lot of legislators will want to go home. Beyond this, itâ&#x20AC;&#x2122;s simply important lawmakers do go home early, Bakk said last week at the ECM-Sun/Forum Communications Session Preview. â&#x20AC;&#x153;People were very disappointed with last session,â&#x20AC;? Bakk said referring to last yearâ&#x20AC;&#x2122;s budget stalemate resulting in the longest state government shutdown in Minnesota history. Bakk, for one, wants the lawmakers to pass a bonding bill this session. Democratic Gov. Mark Dayton has proposed a $775 million bonding bill stuffed with a number of area projects. Dayton views the bonding bill as part of his job-creation strategy. But lawmakers are under no obligation to pass a bonding bill â&#x20AC;&#x201D; there was one last year. And Republican legislative leaders are tentative in their comments. â&#x20AC;&#x153;I think you have to do it for the right reasons,â&#x20AC;? Senate Majority Leader David Sen-

jem, R-Rochester, said.. Senjem replaced former Senate Majority Leader Amy Koch, R-Buffalo, after news of an inappropriate relationship with a Senate staffer forced Koch to step down as leader. Sen. Barb Goodwin, DFL-Columbia Heights, deemed Senjem as someone Senate Democrats can deal with. â&#x20AC;&#x153;I like him,â&#x20AC;? Goodwin said. She said Senjem strikes people as being level-headed and she believes he is. Dayton and Republican legislative leaders insist there are no lingering grudges from last session and that trust levels are good. Dayton is a friend who simply has a different political philosophy, House Speaker Kurt Zellers, R-Maple Grove, recently explained. â&#x20AC;&#x153;Thatâ&#x20AC;&#x2122;s fine,â&#x20AC;? Zellers said. â&#x20AC;&#x153;It doesnâ&#x20AC;&#x2122;t in any way harm the relationship or friendship.â&#x20AC;? Although there are lawmakers who warn that a Vikings stadium solution must be found this session, this sense of urgency is not universal. In general, lawmakers insist itâ&#x20AC;&#x2122;s impossible to meaningfully discuss the Vikings stadium issue without a bill. The governor and legislative leaders talk of job creation as a top priority â&#x20AC;&#x201D; not a stadium. â&#x20AC;&#x153;Iâ&#x20AC;&#x2122;m not sure itâ&#x20AC;&#x2122;s a priority,â&#x20AC;? Senjem said. â&#x20AC;&#x153;(But) Iâ&#x20AC;&#x2122;m not sure we can wait, either. Nor do we want to.â&#x20AC;? But Zellers suggested a broader context exists. â&#x20AC;&#x153;For most Minnesotans itâ&#x20AC;&#x2122;s not a priority,â&#x20AC;? he said.

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January 26, 2012 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Capitol Commerce

2012 legislative session opens Photos by Rick Orndorf

At left: Sens. Chris Gerlach, R-Apple Valley, (left) and Sen. Dave Thompson, confer during the first day of the 2012 legislative session on Tuesday, Jan. 24 at the State Capitol. At right: It was also the first day for the House when State Reps. Kurt Bills, R-Rosemount, (left) and Doug Wardlow, R-Eagan, reviewed information at their seats.

Local government officials, lawmakers call for reform Ending mandates can be complicated by T.W. Budig ECM CAPITOL REPORTER

Association officials and reform-minded lawmakers at the state Capitol on Monday, Jan. 23, called for calculated risk-taking, the removal of barriers and other actions to kindle the fires of stategovenment reform in Min-

nesota. They didn’t advocate throwing everything into the flames. “I think we ought to look strategically at the (state) mandates,” said Sen. Terri Bonoff, DFL-Minnetonka, warning against over zealousness. Eliminating state mandates is more complicated than might be supposed, Bonoff explained. Still, the League of Minnesota Cities, Minnesota School Boards Association,

Association of Minnesota Counties officials and a bipartisan group of lawmakers detailed a number of goals they believe can better prepare Minnesota government for the future. For one thing, local government officials look for more consistency and predictability coming from state leaders in St. Paul, the reformers explained. Attitudes they believe local government must embrace include a willingness

to change – local government officials can be close-minded and defensive about change, they noted. Officials argue for a commitment to innovation, a focus on outcome, better communications, patience and perseverance in crafting reform. They called for passage of the Minnesota Accountable Government and Collaborative Act – the so-called MAGIC Act. Passed by the Senate last year, the act would allow

county government to develop pilot projects to explore better ways of providing services. The legislation limits the number of pilot projects state agencies would need to participate in. It’s expected the MAGIC Act will pass the House this session with the wide bipartisan support it enjoyed in the Senate, officials said. Although the officials did not ask for state funding for their proposals, MSBA official Bob Meeks suggested the

reform agenda ultimately will involve funding. “Sometimes you need a little carrot to sell it locally,” he said. But Meeks stressed that problems facing government today cannot be addressed with old answers. Last November, a series of six forums took place across the state where some 400 local government officials gathered to discuss reform.

event, The Mezz, Paragon Odyssey 15, 14401 Burnhaven Drive, Burnsville. Lakeville Area Chamber of Commerce events: • Monday, Jan. 30, 63rd Annual Meeting and Holiday Dinner at Crystal Lake Golf Club. • Wednesday, Feb. 1, 7:30 to 8:30 a.m., Morning Brew, Stonebrooke Wealth Management Inc. • Friday, Feb. 3, Minnesota Chamber conference call, 7:30 to 8 a.m., Chamber Conference Room. River Heights Chamber of Commerce events: • Friday, Jan. 27, 10 a.m. to 2 p.m., grand opening, Associated Bank Inver Grove Heights. Ribbon cutting: 10 a.m. Information: Chaz Kleinsteuber at chaz@riverheights.com. • Wednesday, Feb. 8, 7:30 to 9 a.m., CoffeeNet at Country Inn & Suites by Carlson, 5653 Bishop Ave., Inver Grove Heights. Information: Chaz Kleinsteuber at (651) 451-2266 ext. 1033 or chaz@riverheights.com. District 196 Community Education will offer the following business courses. Register at www.district196.org/ce or call (651) 423-7920. • Making $$ Selling on eBay, 6:30 to 9:30 p.m. Monday, Jan. 30, Scott Highlands Middle School, 14011 Pilot Knob Road, Apple Valley. Cost: $49. • Introduction to Windows 7, 6:30 to 8:30 p.m. Monday, Jan. 30, Rosemount Middle School, 3135 143rd St. W., Rosemount. Cost: $39. • Word 2010: Getting Started, 6:30 to 8:30 p.m. Monday, Feb. 6, Rosemount Middle School, 3135 143rd St. W., Rosemount. Cost: $39. • Build Your First Professional Website, 9 a.m. to noon Satur-

day, Feb. 11, Rosemount Middle School, 3135 143rd St. W., Rosemount. Cost: $39. Ongoing 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, an independent business networking group, meets the first and third Tuesday of the month at JoJo’s Rise and Wine in Burnsville from 8 to 9 a.m. The group is focused on creating interpersonal relationships to grow business-to-business referrals. Yearly dues are $65. New members are welcome. Members are limited to one per professional category. For more information, contact Jeff Rothmeyer at JeffR@Roundbank.com or see www.CreativeNetworkingProfessionals.com. Dakota Business Partners meets every Tuesday from 8:159:30 a.m. at AmericInn, 17145 Kenyon Ave. (just off Interstate 35 and County Road 50), Lakeville. For why our group is different and more information visit www. dakotabusinesspartners.com or find us on Facebook. 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 Paula Sevenich at (952) 891-4057 or visit www. bni-mn.com BNI – Networking meets Thursdays at 7:15 a.m. at the Round Bank in Farmington. For more information, contact Ellen at (952) 412-5287 or Lanny at (612) 386-2660. BNI – Power Lunch Chapter meets Wednesdays at 11 a.m. at the Lakeville Brunswick Zone, 11129 162nd St. W. For more information, call Maggie Kase at (952) 230-1602 or visit www.bnimn.com. BNI – Power Links Chapter meets at 7:30 a.m. Thursdays at Highview Hills Senior Living Center, 20150 Highview Ave., Lakeville. Information: Michelle Reisenauer, (612) 868-2950 or mreisenauer@charter.net. 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 website www.prorefx.com. Elite Executives Chapter of Business Networking International meets each Tuesday 7:309 a.m. at the JBL Companies building (old fire station), 3795 Pilot Knob Road, Eagan. This lively referral group can help you grow your business, but we do limit membership to one person from each profession. Visitors are welcome. For more information, contact Bob Reuter at (651) 552-3647, breuter@mnhomes. com. Find our chapter’s website at bnimn.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 Jim Culpepper for more information: (612) 655-4339. Networks Plus - Diversified Business Professionals Chapter of Business Network International, a business referral organization. Meetings will be held Thursdays 11:30 a.m. – 1 p.m. at Savage City Hall, 6000 McColl Drive, Savage, MN. All professionals are invited to attend. Call Crystal (952) 314-8676. 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) 746-5611 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. The S.T.A.R. (South Twin Cities Area Referral) Networking Group meets 8 to 9 a.m. every Wednesday at Bremer Bank, 17600 Cedar Ave, Lakeville. Openings are available. For questions, call Kathy Andrade at (952) 997-1306. 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). Members: Free. Guests: $5. Women’s Business Exchange meets the fourth Wednesday from 11:30 a.m. to 1 p.m. at Baskets On Occasion, 4580 Scott Trail, Suite 204, Eagan. Fee: $5 per meeting. For more information, contact Mary at (651) 994-8392 or visit www. meetup.com/womens-businessexchange-eagan. Seed Your Business referralbased networking group meets the first and third Wednesday at noon at Baskets On Occasion, 4580 Scott Trail, Suite 204, Eagan. Fee is $5 per meeting. Up to two professions per person. Contact Mary at (651) 994 8392.

T.W. Budig can be reached at tim.budig@ecm-inc.com.

Calendar To submit an item for the Calendar, email it to darcy.odden@ ecm-inc.com or fax (952) 8462010. Date-specific Dakota County Regional Chamber of Commerce events: • Friday, Jan. 27, 7:30 to 9:30 a.m., Legislative Breakfast at Brown College, 1345 Mendota Heights Road, Mendota Heights. Cost: $20/members, $25/nonmembers. RSVP by Jan. 23 to Jessy at (651) 288-9202 or jannoni@dcrchamber.com. • Friday, Feb. 3, 7:30 to 8 a.m., Minnesota Chamber conference call. Information: Jessy Annoni at (651) 288.9202 or jannoni@dcrchamber.com. • Tuesday, Feb. 7, 7:30 to 9 a.m., HR roundtable meeting, DCR Chamber Office, 1121 Town Centre Drive, Suite 102, Eagan. How to Legally Hire the Best (and Fire the Worst) – Top Ten Tips & Tricks. Information: Kelly Brenna at (952) 707-8254 or kbrenna@ kainsurance.com. Apple Valley Chamber of Commerce events: • Thursday, Jan. 26, 4:30 to 6:30 p.m., Business After Hours, James Barton Design-Build, 5920 148th St., Apple Valley. Free. Burnsville Chamber of Commerce events: • Thursday, Jan. 26, 11:30 a.m. to 1 p.m., 2012 Annual Meeting, Buck Hill Ski Area, 15400 Buck Hill Road, Burnsville. Information: Maranda Bergren at maranda@burnsvillechamber.com. • Thursday, Feb. 2, 4:30 to 6:30 p.m., Business After Hours, Mediterranean Cruise Cafe, 12500 Nicollet Ave. S., Burnsville. Free. • Wednesday, Feb. 8, 5 to 7 p.m., Business Young Professionals professional development

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY January 26, 2012

BizicallyFIT challenge champions health Minnesota Vikings starting cornerback Asher Allen, former Biggest Loser contestant Sione Fa, state Sen. Carla Nelson and Dakota County Regional Chamber of Commerce President Ruthe Batulis kicked off the Alliance for a Healthier Minnesotaâ&#x20AC;&#x2122;s BizicallyFIT 2012 Health Challenge at the Minnesota Vikingsâ&#x20AC;&#x2122; Winter Park field house on Jan. 23 with businesses of all sizes, colleges and universities, K-12 educators, nonprofits and other community leaders. These teams will earn points for healthy behaviors such as exercise, pedometer steps and weight loss, competing with others throughout the state for online rankings, virtual trophies and bragging rights. This free statewide competition is designed to encourage Minnesotaâ&#x20AC;&#x2122;s employers to help their employees adopt healthy lifestyles. It consists of three competition categories: exercise, pedometer steps and weight loss. Participants may compete in just one, two or in all three categories. Participants can track their progress on the web, by smartphone or by SMS text. The challenge also features social networking tools and minichallenges that allow participants to easily communicate with team members and rival teams to maintain momentum throughout the 12-week challenge. Every challenge participant wins with a healthier lifestyle, but one lucky participant who regularly tracks his or her progress will win one free week at a Biggest Loser Resort weight loss camp. The BizicallyFIT 2012 Health Challenge is sponsored by the Alliance for a Healthier Minnesota, a group of Minnesota companies

RV parking and a quartermile drag strip. Its scheduled opening would be 2014. Environmental concerns will be addressed this year as part of the regulatory process, which includes the completion of an environmental impact statement, which looks at not only water and air pollution, but also noise concerns and impacts on infrastructure. Scott County will lead the EIS effort, but IMEDC will pay for it. This year there will be land use permitting and approval processes. There also will be public comment opportunities. â&#x20AC;&#x153;This is a very large undertaking in terms of all the different components,â&#x20AC;? Tinklenberg said. Multiple state agencies will need to assess the project, including the Department of Natural Resources, the Minnesota Pollution Control Agency, the Minnesota Department of Transportation and the Met Council, he added.

Elko New Market cannot consider any land use applications until the environmental review process is completed, City Administrator Thomas Terry said. On Thursday, the city will hold an annexation hearing for the parcels of the proposed project site that are still a part of New Market Township. The annexation hearing is exclusive of race track discussions, Terry said. The orderly annexation discussions have been ongoing since 2007, long before IMEDC approached local governments in November 2011 to propose the race track. However, â&#x20AC;&#x153;annexation is required for the track to be developed,â&#x20AC;? Terry said.

Financial Sense A Valentine tip from Social Security and more by Rhonda Whitenack and Jim Czechowicz PUBLIC AFFAIRS, SOCIAL SECURITY ADMINď&#x161;ş ISTRATION

If you receive monthly Social Security or SSI payments, you received a 3.6 percent cost-of-living adjustment beginning with your payment for the month of January 2012. In addition, you may now earn more income without offsetting your benefits because the earnings test numbers also have gone up. If you reached your full retirement age before 2012 (age 66 for anyone born between 1943 and 1954), the earnings test does not apply and you may earn as much money as you can in 2012 without any effect on your benefits. However, if you are younger than full retirement age, collecting benefits and still working, we withhold from your social security $1 in benefits for every $2 in wages you earn above the $14,640 limit in 2012. For people who attain full retirement age in 2012, the annual exempt amount is $38,880 and we will withhold $1 for every $3 you earn over the limit from your monthly benefits. You can learn more about the earnings test and how benefits may be reduced by visiting www.socialsecurity.gov and searching on the topic â&#x20AC;&#x153;earnings test.â&#x20AC;? You can find your full retirement age at our Retirement Age page, www.socialsecurity.gov/pubs/ageincrease.htm. You also may want to read our publication, How Work Affects Your Benefits. It is available at www.socialsecurity.gov/pubs/10069. html.

Valentineâ&#x20AC;&#x2122;s Day is a popular time of year for proclamations of love. If you plan to exchange your maiden name for a married name â&#x20AC;&#x201C; including hyphenated names such as SmithJones â&#x20AC;&#x201C; be sure you let us know. Telling us about your name change shortly after your marriage will help us accurately keep track of your earnings and will ensure that you and your family get the Social Security coverage and benefits youâ&#x20AC;&#x2122;re entitled to. In addition, if the Internal Revenue Service and Social Security records do not show the same name and Social Security number, your federal income tax refund could be delayed. Changing your name with Social Security is a free service. There is no need to pay someone else to mail in the information for you. Just go online to www.socialsecurity.gov/ssnumber, learn what documents you need, and click on â&#x20AC;&#x153;Fill Out and Print an application (Form SS-5).â&#x20AC;? Social Security needs to see the completed application, along with your documents (marriage certificate, driverâ&#x20AC;&#x2122;s license, etc.) verifying your old and new names. You can bring or mail these documents (originals or certified copies only) to your local Social Security office. (If you live or receive mail in Dakota County, you must use the Social Security Card Center, located at 1811 Chicago *** Ave., Suite 2, Minneapolis MN. Office hours are Monday through FriQuestion: I have children at home day 9 a.m. to 3:30 p.m.) Please â&#x20AC;&#x153;likeâ&#x20AC;? and I plan to retire next fall. Will my us on Facebook and follow us on children be eligible for monthly SoTwitter. We post updates daily that cial Security payments after I retire? can help you and all your Valentines. Answer: A child (biological, legally adopted, or dependent stepchild Earn (and keep) more or grandchild) may potentially be eligible. Monthly Social Security paymoney

Tinklenberg said. â&#x20AC;&#x153;Scott County has experience with dealing with those kinds of venues and understands their importance and the role they play,â&#x20AC;? he said. The particular site at Highway 2 and I-35, he asserts, also ensures traffic will have the least amount of negative impact on Elko New Marketâ&#x20AC;&#x2122;s residents. â&#x20AC;&#x153;It will capture a lot of traffic before it impacts other areas of the community,â&#x20AC;? Tinklenberg said. â&#x20AC;&#x153;It isolates it in a way that helps manage and control it.â&#x20AC;? Elko New Market also has a penchant for racing, given that Elko Speedway has been a staple for years. â&#x20AC;&#x153;The community under-

stands and supports racing as an industry,â&#x20AC;? Tinklenberg said. Addressing major road construction that some have said would be needed, Tinklenberg offered up the State Fair and the U.S. Open at Hazeltine as examples. Given that a major NASCAR event would not be a weekly or even monthly affair, there would not necessarily be a need to drastically alter the infrastructure to accommodate such an event. â&#x20AC;&#x153;There could be a system of shuttle parking and bus access,â&#x20AC;? he said, noting the various park and ride facilities in the south metro. â&#x20AC;&#x153;It also spreads out the benefit of major race experiences by having

IMEDC chose the site for a number of reasons, primarily because of access to I-35 and the proliferation of entertainment options in the area such as Valley Fair, Mystic Lake Casino, the Renaissance Fair and, further north, the Mall of America,

ments may be made to your children if they are: â&#x20AC;˘ unmarried and under age 18; â&#x20AC;˘ age 19 if still in high school; or â&#x20AC;˘ age 18 or over, who became severely disabled before age 22 and continue to be disabled. For more information, read Benefits For Children at www.socialsecurity.gov/pubs/10085.html. *** Question: Is there a time limit on Social Security disability benefits? Answer: Your disability benefits will continue as long as your medical condition has not improved and you cannot work. Social Security will periodically review your case to determine whether you continue to be eligible. If you are still receiving disability benefits when you reach your full retirement age, your disability benefits will automatically be converted to retirement benefits. Learn more about disability benefits at www.socialsecurity.gov/disability. *** Question: Why is there a fivemonth waiting period for Social Security disability benefits? Answer: The law states that Social Security disability benefits begin with the sixth full month after the date your disability began. You are not entitled to benefits for any month prior to that. Learn more at our website: www.socialsecurity.gov/ disability. Jim Czechowicz is public affairs specialist at the St. Paul off ice of the Social Security Administration. Rhonda Whitenack is public affairs specialist at the Bloomington off ice of the Social Security Administration.

people parking in other areas and using hotels, restaurants and all of those kind of things associated with a shuttle spot.â&#x20AC;? Monge echoed other area opponents of the proposed project when she said she was concerned about increases in traffic on Highway 2 and on I-35. She said she hoped the taxpayers would not have to foot the bill for road expansions. Terry said it is difficult to discuss any expenditures because the project is too early in the process. â&#x20AC;&#x153;Part of the environmental review and land use process identifies what is required and how much it would cost,â&#x20AC;? he said. â&#x20AC;&#x153;There canâ&#x20AC;&#x2122;t yet be

discussions regarding who pays and how much from a practical standpoint.â&#x20AC;? The plan for the project is that after these review processes are completed in 2012, construction would begin next year; but Monge wonders what it will do to the character of the community. â&#x20AC;&#x153;We bought property where weâ&#x20AC;&#x2122;re at because we want the peace and quiet,â&#x20AC;? she said, â&#x20AC;&#x153;and to be away from tens of thousands of people. Moving out to the country is moving out to the country.â&#x20AC;? Aaron Vehling is at aaron. vehling@ecm-inc.com or www. facebook.com/thisweeklive.

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joined together to create fun, engaging and informative events and competitions to help Minnesotans get and stay healthy. Alliance members who make this challenge possible include Blue Cross and Blue Shield of Minnesota, Cargill, Medica, the Midwest Dairy Association and Target. â&#x20AC;&#x153;Our members care about the health and well-being of their employees and people in the communities where they do business,â&#x20AC;? said Tom Mason, president of Alliance for a Healthier Minnesota. â&#x20AC;&#x153;The BizicallyFIT 2012 Health Challenge is a fun way for Minnesotans to stick with their New Yearâ&#x20AC;&#x2122;s resolutions with the support of their coworkers, friends and family â&#x20AC;&#x201D; one minute of exercise, one step or one pound of weight loss at a time.â&#x20AC;? This is the third challenge offered by the Alliance for a Healthier Minnesota, and its second statewide wellness competition offered, free of charge, to all Minnesotans. The 2011 Biggest Loser Minnesota Challenge brought 22,000 Minnesotans together with friends, family and co-workers to lose 76,048 pounds, earn 27,749,925 nutrition points and exercise 383,807 hours â&#x20AC;&#x201D; the time it would take to walk around the earth 46 times. The competition runs Feb, 13 through May 4. Anyone age 18 or older who lives or works in Minnesota can create or join a team with co-workers, friends or family to track healthy behaviors and compete for online rankings and bragging rights. For assistance with questions on how to participate in the challenge, contact BizicallyFIT@HealthierMN. com or go to www.healthiermn. com/2012HealthChallenge.

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January 26, 2012 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Capitol Commerce

DFL files ethics complaint against Lakeville senator The Minnesota DFL Party filed an ethics complaint on Monday, Jan. 23 against state Sen. Dave Thompson, R-Lakeville, over payments he received from the Minnesota Republican Party while running as a state senate candidate in 2010. Last week, Minnesota Public Radio reported that

Thompson, a lawyer and former talk radio host, had received $70,000 from the Republican Party for consulting and communications work while he was running for his Senate seat. Thompson received payment from October 2009 through November 2010, according to MinnPost. At a Monday news con-

ference, DFL Party chair Ken Martin of Eagan accused the GOP and Thompson of not reporting the payment in a timely fashion. The party filed the complaint with the Campaign Finance and Public Disclosure Board. Martin said it appeared the GOP had paid Thompson to run for office, which he said was

an ethics violation. Thompson issued a statement in response to the complaint on the same day. “I started work as an independent contractor on October 1, 2009,” he said in a statement. “Of course the fees paid to me were fully disclosed by the party as required by law, and therefore were

public knowledge. However, independent contractor income is not to be disclosed by candidates. The form specifically states, ‘do not include payments for services as an independent contractor, Social Security payments, unemployment compensation, workers’ compensation, pension benefits, income from

rental property, or insurance benefits.’” Thompson said in the statement that the non-partisan Senate counsel confirmed to him that payment for independent contractor services was not to be disclosed. Thompson served last year as an assistant majority leader. – Aaron Vehling

Dakota County Business Contacts Apple Valley Chamber of Commerce Address: 14800 Galaxie Avenue, Suite 101, Apple Valley, MN 55124 Phone: (952) 432-8422 or 1-800-301-9435 Website: 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 Website: www.burnsvillechamber.com E-mail: chamber@burnsvillechamber.com

Burnsville Convention & Visitors Bureau Address: 12600 Nicollet Ave., Suite 100, Burnsville, MN 55337 Phone: (952) 895-4690 Fax: (952) 487-1777 Website: 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 Website: 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 Website: 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 Website: http://eaganmn.com E-mail: enjoyeagan@eaganmn.com

Downtown Lakeville Business Association Address: 8790 207th St. W., Suite 204, P.O. Box 371, Lakeville, MN 55044 E-mail: dlba@frontiernet.net Office Hours: Mondays and Wednesdays 9 a.m. to 2 p.m. Judy Tschumper is the director of the Downtown Lakeville Business Association.

Hastings Area Chamber of Commerce & Tourism Bureau Address: 111 Third St. E., Hastings, MN 55033 Phone: (651) 437-6775 or 1-888-612-6122 Fax: (651) 437-2697 Website: www.hastingsmn.org E-mail: info@hastingsmn.org

River Heights Chamber of Commerce Address: 5782 Blackshire Path, Inver Grove Heights, MN 55076 Phone: (651) 451-2266 Fax: (651) 451-0846 Website: www.riverheights.com E-mail: info@riverheights.com

Positively Minnesota Marketing Partnership Minnesota Department of Employment & Economic Development Address: 1st National Bank Building, 332 Minnesota St., Suite E200, St. Paul, MN 55101 Phone: (651) 259-7298 Fax: (651) 215-3841 E-mail: Positively.Minnesota@state.mn.us

Dakota Future Role: Provide site location assistance for firms considering Dakota County locations and serves as a general gateway for economic development services within Dakota County. Address: P.O. Box 240874, Apple Valley MN 55124-0874 E-mail: bill@dakotafuture.com Phone: (651)491-2551 Website: www.dakotafuture.com

Minnesota Workforce Centers in Burnsville and West St. Paul Role: Assist in the hiring and training of new employees, general gateway into Minnesota Department of Employment and Economic Development and other state agencies Phone: 612-821-4411 E-mail: terrell.towers@state.mn.us

South Metro SCORE Role: Counselors to America’s small businesses, free, confidential, face-to-face assistance from successful business mentors. Phone: (952) 890-7020 E-mail: southmetroscore@qwestoffice.com Website: www.score-southmetro.org

City Governments Role: Provide guidance through any real estate development process; may provide financial incentives through tax increment financing, local loan funds or state or federal business finance programs. Apple Valley, Bruce Nordquist Phone: (952) 953-2576 E-mail: bnordquist@ci.apple-valley.mn.us Website: www.ci.apple-valley.mn.us Burnsville, Skip Nienhaus Phone: (952) 895-4454 E-mail: skip.nienhaus@ci.burnsville.mn.us Website: www.burnsville.org Eagan, Jon Hohenstein Phone: (651) 675-5660 E-mail: jhohenstein@cityofeagan.com Website: www.ci.eagan.mn.us Farmington, Tina Hansmeier Phone: (651) 280-6821 E-mail: thansmeier@ci.farmington.mn.us Website: www.ci.farmington.mn.us Hastings, Shannon Rausch Phone: (651) 480-2344 E-mail: SRausch@ci.hastings.mn.us Website: www.ci.hastings.mn.us Inver Grove Heights, Jennifer Gale Phone: 651-451-2266 E-mail: Kevin@progressplus.org Website: www.ci.inver-grove-heights.mn.us Mendota Heights, Jim Danielson Phone: 651-452-1850 E-mail: jimd@mendota-heights.com Website: www.mendota-heights.com Lakeville, Dave Olson Phone: 952-985-4421 E-mail: dolson@ci.lakeville.mn.us Website: www.ci.lakeville.mn.us Rosemount, Kim Lindquist Phone: 651-322-2020 E-mail: Kim.lindquist@ci.rosemount.mn.us Website: www.ci.rosemount.mn.us South St. Paul, Jennifer Gale Phone: 651-451-2266 E-mail: kevin@progressplus.org www.southstpaul.org West St. Paul, Jim Hartshorn Phone: 651-552-4140 E-mail: Jim.hartshorn@ci.west-saint-paul.mn.us Website: www.ci.west-saint-paul.mn.us *Inver Grove Heights and South St. Paul use Progress Plus, an affiliate of the River Heights Chamber of Commerce, for their city’s economic development services.

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

Notice of Public Sale: SS MINNESOTA, LLC, doing business as Simply Self Storage intends to enforce its lien on certain personal property belonging to the following, at the facility. The sale will take place (unless otherwise withdrawn) on Wednesday February 8, 2012 on or after 9:30 am at the Simply Self Storage location at 801 Ladybird Ln, Burnsville, MN 55337. Phone 952-890-4888. This public sale will result in the goods being sold to the highest bidder. Certain terms and conditions apply. L. Tall # 602b Misc. household items M. Titino # 622d Misc. household items S. Amundson # 526 Misc. Boxes, Mattresses, Leather Couch S. Pickus # 447-464 Misc. Boxes, Jet Ski, Furniture 2881952 1/19-1/26/12

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 02/07/2012 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 here-in-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: Ruth Ann Suttles Bill of Lading #: 205-406 Amount: $3,560.00 Bester Brothers Transfer and Storage Company 260 Hardman Ave. So. South St. Paul, MN 55057 2871752 1/12-1/26/12

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 9, 2012, 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 R e m o d e l i n g a n d rehabilitation of a single family home at 283 Hurley St East, West St Paul 55118. 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 Friday, February 3, 2012 at 10:00 AM and is required of ALL bidders. Failure of a bidder to attend the walk-thru immediately subjects his/her bid to disqualification. Call the Dakota County CDA Contact person below to find out exact details of the walk-through. Interested bidders can contact Project Coordinator Greg Peterson @ 651-675-4482 to obtain bid documents and receive more information regarding this project. Specifications and bid documents for this project may not be available until Friday January 27, 2012. Bid security in the amount of 5% of the bid must accompany each bid in accordance with the Instruction to Bidders. A performance and payment bond shall be required for this project. 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. 2889640 1/26-2/2/12

NOTICE OF TAKING AND SALE On Saturday the twenty seventh of August two thousand and eleven, a 1982 Chevrolet El Camino, VIN 1GCCW80H2CR191081, was taken into impound from 3925 Cedarview Drive, Eagan, MN 55122. It is being held at 3670 Kennebec Drive, Eagan, MN 55122. The owner and any lienholders have the right to reclaim the vehicle, upon payment of all towing and storage fees, under section 168B.07. The failure of the owner or lienholder to exercise their right to reclaim the vehicle within the appropriate time allowed under section 168B.051, subdivision 1, 1a, or 2, and under the conditions set forth in section 168b.07, subdivision 1, constitutes a waiver by them of all right, title and interest in the vehicle and a consent to the transfer of title to and disposal of the vehicle pursuant of section 1068B.08. 2884307 1/26-2/9/12P

PUBLIC NOTICE

NOTICE OF SALE OF PERSONAL PROPERTY TO SATISFY LIEN THEREON NOTICE IS HEREBY GIVEN that the personal property described as follows: 1973 SCHU manufactured home, VIN #119169 currently located at 12151 Geneva Way, Apple Valley, Minnesota 55124, together with all miscella neous personal property located therein will be sold at public auction by the Dakota County Sheriff on the 6th day of February, 2012 at 1:00 P.M., at Cedar Knolls Community Office, 12571 Garland Avenue, in the city of Apple Valley, County of Dakota, State of Minnesota, to pay and satisfy a lien which is claimed to be due thereon of Oscar Guerrero Sustaita (09/09/1980) Jaime Murrilo (07/30/1973) as the owner(s) thereof to: Realty Systems Arizona, Inc., in the sum of Four-Thousand, Eight-Hundred, Ten Dollars and 04/100 ($4,810.04) computed to the day of said sale, exclusive of the expenses of said sale and of the advertising thereof, together with the necessary expenses of advertising and making said sale; and that the grounds of said lien are storage of and care for tenant's personal property remaining on landlord's premises following abandonment by tenant. Dated: January 9, 2012 ___________________________ Carol Williams, Agent Realty Systems - Arizona, Inc 2875493 1/12-1/26/12

PUBLIC NOTICE

NOTICE OF INFORMAL 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-12-34 Estate of Letitia B. Wolston, Decedent Notice is given that an application for informal probate of the Decedent’s will dated May 29, 2007 and codicil ( ) to the will, dated __________, and separate writings ( ) under Minn. Stat. 524.2-513 (“Will”), has been filed with the Registrar. The application has been granted. Notice is also given that the Registrar has informally appointed William G. Wolston whose address is 648 Sunset Lane, Mendota Heights, Minnesota 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. 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. A charitable beneficiary may request notice of the probate proceedings be given to the Attorney General pursuant to Minn. Stat. 501B.41, subd. 5. Dated: January 16, 2012 Heidi Carstensen Registrar Carolyn M. Renn Court Administrator Attorney for Applicant Fred A. Kueppers, Jr. Kueppers, Kronschnabel & Daly, P.A. 101 East Fifth Street, Suite 2300 St. Paul, MN 55101 Attorney License No: 58841 Telephone: 651-222-5000 2885739 1/26-2/2/12

PUBLIC HEARING NOTICE CITY OF LAKEVILLE

REQUEST: The vacation of permanent easements in Spirit of Brandtjen Farm 6th Addition. A P P L I C A N T : SBF Development Corp. LOCATION AND LEGAL DESCRIPTION: The permanent easements to be vacated are located east of Eagleview Drive and north of 170th Street in the City of Lakeville, Dakota County, Minnesota and are described on Exhibit A (see below). W H E N : Thursday, February 16, 2012 at 6:00 p.m. or as soon thereafter as the parties may be heard. Planning Commission WHERE: meeting at the City Hall Council Chambers, 20195 Holyoke Avenue, Lakeville, Minnesota. Contact Planning QUESTIONS: Director Daryl Morey at (952) 985-4422 or by e-mail at dmorey@ci.lakeville.mn.us DATED this 24th day of January, 2012. CITY OF LAKEVILLE __________________________ Charlene Friedges, City Clerk EXHIBIT A PROPOSED LEGAL DESCRIPTION TRACT A: All that part of Outlot A, SPIRIT OF BRANDTJEN FARM 6TH ADDITION, according to the recorded plat thereof, City of Lakeville, Dakota County, Minnesota, described as follows: Beginning at the most northerly corner of Outlot A, said SPIRIT OF BRANDTJEN FARM 6TH ADDITION; thence South 45 degrees 08 minutes 35 seconds East (assumed bearing) on the northeasterly line of said Outlot A, 247.16 feet; thence South 30 degrees 25 minutes 49 seconds East, 36.66 feet; thence North 35 degrees 01 minutes 29 seconds West, 46.37 feet; thence North 45 degrees 08 minutes 35 seconds West, 237.20 to a point on the easterly right-of-way line of Eagleview Drive; thence North 55 degrees 53 minutes 47 seconds East on said easterly right-of-way line, 1.19 feet; feet to the point of beginning. PROPOSED LEGAL DESCRIPTION TRACT C: All that part of Outlot A, and that part of Lot 1, Block 2, SPIRIT OF BRANDTJEN FARM 6TH ADDITION, according to the recorded plat thereof, City of Lakeville, Dakota County, Minnesota, described as follows: Beginning at the northeast corner of Lot 1, Block 2, said SPIRIT OF BRANDTJEN FARM 6TH ADDITION; thence North 11 degrees 43 minutes 08 seconds East, (assumed bearing) on the easterly line of said Outlot A, 45.94 feet; thence South 44 degrees 51 minutes 25 seconds West, 77.78 feet; thence South 59 degrees 14 minutes 03 seconds East, 73.73 feet to a point on the east line of said Lot 1; thence North 20 degrees 25 minutes 40 seconds West on said east line, 51.08 feet to the point of beginning. PROPOSED LEGAL DESCRIPTION TRACT E: All that part of Lots 2, 3, and 4, Block 2, SPIRIT OF BRANDTJEN FARM 6TH ADDITION, according to the recorded plat thereof, City of Lakeville, Dakota County, Minnesota, described as follows: Commencing at the northeast corner of Lot 2, Block 2, said SPIRIT OF BRANDTJEN FARM 6TH ADDITION; thence South 00 degrees 26 minutes 46 seconds West (assumed bearing) on the east line of said Lot 2, 25.75 feet to the point of beginning; thence South 25 degrees 15 minutes 53 seconds West, 124.47 feet; thence southeasterly 55.31 feet on a 38.00 foot radius curve to the left having a central angle of 83 degrees 23 minutes 31 seconds; thence South 58 degrees 07 minutes 38 seconds East, 44.03 feet to a point on the east line of Lot 4, said Block 2; thence North 00 degrees 26 minutes 46 seconds East on said east line and the east line of Lots 2 and 3, said Block 2, 184.30 feet to the point of beginning. PROPOSED LEGAL DESCRIPTION TRACT G: All that part of Lot 5, Block 2, SPIRIT OF BRANDTJEN FARM 6TH ADDITION, according to the recorded plat thereof, City of Lakeville, Dakota County, Minnesota, described as follows: Commencing at the northeast corner of Lot 5, Block 2, said SPIRIT OF BRANDTJEN FARM 6TH ADDITION; thence South 00 degrees 26 minutes 46 seconds West (assumed bearing) on the east line of said Lot 5, 9.01 feet to the point of beginning; thence South 16 degrees 04 minutes 01 seconds West, 71.78 feet; thence southerly 11.21 feet on a 274.00 foot radius curve to the left having a central angle of 02 degrees 20 minutes 41 seconds to a point on the south line of said Lot 5; thence South 89 degrees 33 minutes 14 seconds East on said south line, 22.13 feet to the southeast corner of said Lot 5; thence North 00 degrees 26 minutes 46 seconds East on the east line of said Lot 5, 79.99 feet to the point of beginning. 2889717 1/26/12

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. List the exact assumed nam e under which the business is or will be conducted: bc fotos 2. Principal Place of Business: 12973 Harriet Avenue South, Burnsville, MN 55337 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 I. Coburn, 12973 Harriet Avenue South, Burnsville, MN 55337 4. I, the undersigned, certify that I am signing this document as the person whose signature is required, or as agent of the person(s) whose signature would be required who has authorized me to sign this document on his/her behalf, or in both capacities. I further certify that I have completed all required fields, and that the information in this document is true and correct and in compliance with the applicable chapter of Minnesota Statutes. I understand that by signing this document I am subject to the penalties of perjury as set forth in Section 609.48 as if I had signed this document under oath. Date: 1/9/2012 Elizabeth I Coburn 2880498 1/19-1/26/12P

PUBLIC NOTICE

ORDER TO SHOW CAUSE STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT COURT FILE NO. 19HA-CV-11-5702 In the Matter of the Petition of: Federal National Mortgage Association, In Relation to Certificate of Title No. 133213 issued for land in the County of Dakota and State of Minnesota and legally described as: Unit No. 407, Common Interest Community No. 176, Vermillion Carriage Homes, a condominium located in the County of Dakota. TO: JEREMY C. ENGEN; MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC.; VERMILLION CARRIAGE HOMES ASSOCIATION and to parties, if any, in possession of said premises adverse to the Petitioner. Upon receiving and filing the Report of the Examiner of Titles in the above entitled matter, IT IS HEREBY ORDERED, that you, and all persons interested, appear before this Court on the 8th day of February, 2012, at 9:00 a.m. in the Dakota county Government Center, Hastings, Minnesota, and then, or as soon thereafter as said matter can be heard, show cause, if any there be, why this Court should not enter an Order as follows: That the Registrar of Titles, upon the filing with him of a certified copy of this Order, cancel Certificate of Title No. 133213 and enter a new Certificate of Title for the land therein described in favor of Federal National Mortgage Association, free from all other memorials now appearing on the present Certificate of Title, the last of which is Document No. 680876, and free also from the Memorial of this Order. IT IS FURTHER ORDERED, that this Order be served: (a) at least 10 days before the hearing upon the above-named parties residing in this State in the manner provided by law for the service of Summons in a civil action; (b) it shall be served at least 14 days before the hearing upon each of the above-named non-residents by sending a copy of this Order to the non-resident's post office address, by registered or certified mail, return receipt requested; (c) it shall be served upon any party who cannot be found by two weeks published notice and by sending a copy of this Order at least 14 days before the hearing by first class mail to the last known address of the party and by sending another copy of this Order at least 14 days before the hearing by first class mail to the address of such party as stated on the Certificate of Title if an address is so stated. DATED: November 28, 2011 BY THE COURT: /s/ Richard G. Spicer Judge of District Court APPROVED: JAMES P. O'CONNELL EXAMINER OF TITLES BY: /s/ James P. O'Connell JAMES P. O'CONNELL Attorney for Petitioner: Robert Q. Williams Wilford, Geske & Cook, P.A. 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125 Attendance is not required at said hearing except to object to the entry of the above described Order. 2876455 1/19-1/26/12

STATE OF WISCONSIN CIRCUIT COURT BURNETT COUNTY PUBLICATION SUMMONS Case No. 11-CV-272 The Honorable Kenneth L. Kutz Case Code 30404 (Foreclosure of Mortgage) The amount claimed exceeds $5000.00 GMAC Mortgage, LLC, 1100 Virginia Dr., Ft. Washington, PA 19034, Plaintiff vs. Garrick M. Villaume and Nicola A. Villaume, 654 12th Ave. N, South Saint Paul, MN 55075-1624, Defendants THE STATE OF WISCONSIN To each person named above as a defendant: You are hereby notified that the plaintiff named above has filed a lawsuit or other legal action against you. Within 40 days after January 19, 2012 you must respond with a written demand for a copy of the complaint. The demand must be sent or delivered to the court, whose address is 7410 County Road K #115, Siren, WI 54872-9067 and to Gray & Associates, L.L.P., plaintiff's attorney, whose address is 16345 West Glendale Drive, New Berlin, WI 53151-2841. You may have an attorney help or represent you. If you do not demand a copy of the complaint within 40 days, the court may grant judgment against you for the award of money or other legal action requested in the complaint, and you may lose your right to object to anything that is or may be incorrect in the complaint. A judgment may be enforced as provided by law. A judgment awarding money may become a lien against any real estate you own now or in the future, and may also be enforced by garnishment or seizure of property. Dated this 11th day of January, 2012. William N. Foshag, State Bar No. 1020417, Gray & Associates, L.L.P., Attorneys for Plaintiff, 16345 W. Glendale Dr., New Berlin, WI 53151-2841, (414) 224-8404, (414) 224-1229. Gray & Associates, L.L.P. is attempting to collect a debt and any information obtained will be used for that purpose. If you have previously received a discharge in a chapter 7 bankruptcy case, this communication should not be construed as an attempt to hold you personally liable for the debt. 2877214 1/19-2/2/12

PUBLIC NOTICE Dakota County Community Development Agency January 26, 2012

Notice is hereby given of an opportunity for public comment on proposed substantial amendments to the Dakota County Community Development Block Grant (CDBG) Program for Federal Fiscal Years 2006, 2007, 2008, and 2009. Proposed Substantial Amendments The CDBG 2006 Action Plan shall be amended to: * Reallocate all remaining funds from the Lakeville Pioneer Plaza Planning activity with a current balance of $3,764.11. * Increase the Lakeville Residential Rehabilitation activity from a current budget of $0 to $3,764.11 The CDA 2007 Action Plan shall be amended to: * Delete the Lakeville Commercial Rehabilitation activity with a budget of $10,000. * Create the Lakeville Spot Acquisition and Clearance activity with a budget of $10,000. The CDA 2008 Action Plan shall be amended to: * Delete the Lakeville Commercial Rehabilitation activity with a budget of $50,700. * Create the Lakeville Spot Acquisition and Clearance activity with a budget of $50,700. The CDA 2009 Action Plan shall be amended to: * Decrease the Lakeville Commercial Rehabilitation activity with a budget of $66,000 to $11,700. * Create the Lakeville Spot Acquisition and Clearance activity with a budget of $54,300. An amendment to revise the national objective to a 2006 City of Eagan activity for the Cedar Grove Redevelopment Area was published on October 20, 2011, for public comment but did not go to the County Board for approval as anticipated. It is now scheduled to go before the Dakota County Board for approval on Tuesday, February 14, 2012. Persons seeking more information on these proposed substantial amendments should contact Lisa Henning, Assistant Director of Community and Economic Development, at the Dakota County Community Development Agency (CDA), telephone (651) 675-4467. Public comments may be submitted orally or in writing to the CDA through February 26, 2012. Approval of the amendment, subject to consideration of public comments, will be on the agenda of the Dakota County Board of Commissioners meeting to be held at the Dakota County Government Center, third floor, 1590 Highway 55, Hastings, MN 55033 on February 28 at 9:00a.m. 2889233 1/26/12

NOTICE OF SALE OF PERSONAL PROPERTY TO SATISFY LIEN THEREON NOTICE IS HEREBY GIVEN that the personal property described as follows: 1973 HOLL manufactured home, VIN #601613 currently located at 12145 Geneva Way, Apple Valley, Minnesota 55124, together with all miscella neous personal property located therein will be sold at public auction by the Dakota County Sheriff on the 6th day of February, 2012 at 1:00 P.M., at Cedar Knolls Community Office, 12571 Garland Avenue, in the city of Apple Valley, County of Dakota, State of Minnesota, to pay and satisfy a lien which is claimed to be due thereon of Rudolph Miranda, (05/19/1954, Alida Guiroz (03/18/1977) as the owner(s) thereof to: Realty Systems - Arizona, Inc., in the sum of Two-Thousand, Eight-Hundred, Ten Dollars and 34/100 ($2,810.34) computed to the day of said sale, exclusive of the expenses of said sale and of the advertising thereof, together with the necessary expenses of advertising and making said sale; and that the grounds of said lien are storage of and care for tenant's personal property remaining on landlord's premises following abandonment by tenant. Dated: January 9, 2012 ___________________________ Carol Williams, Agent Realty Systems - Arizona, Inc 2875482 1/12-1/26/12

PUBLIC NOTICE

SUMMONS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT Case Type: Personal Injury Court File No. ___________ _________________________________ Jose Gabino Rodriquez, Plaintiff, vs. Francisco J. Meza, Defendant. _________________________________ THE STATE OF MINNESOTA TO THE ABOVE-NAMED DEFENDANT: 1. Y O U A R E B E I N G S U E D . T h e Plaintiffs have started a lawsuit against you. The Complaint is attached to this Summons. Do not throw these papers away. They are official papers that affect your rights. You must respond to this lawsuit even though it may not be filed with the Court and there may be no court file on this Summons. 2. YOU MUST REPLY WITHIN 20 DAYS TO PROTECT YOUR RIGHTS. You must give or mail to the person who signed this Summons a written response called an Answer within 20 days of the date on which you received this Summons. You must send a copy of your Answer to the person who signed this Summons located at: Van Holston Ratgen Law Firm 1821 University Ave. Suite S-156 St. Paul, MN 55104 3. YOU MUST RESPOND TO EACH CLAIM. The Answer is your written response to the Plaintiffs’ Complaint. In your Answer you must state whether you agree or disagree with each paragraph of the Complaint. If you believe the Plaintiffs’ should not be given everything asked for in he Complaint, you must say so in our Answer. 4. YOU WILL LOSE YOUR CASE IF YOU DO NOT SEND A WRITTEN RESPONSE TO THE COMPLAINT TO THE PERSON WHO SIGNED T H E S U M M O N S . If you do not Answer within 20 days, you will lose this case. You will not get to tell your side of the story, and the Court may decide against you and award the Plaintiffs’ everything asked for in the Complaint. If you do not want to contest the claims stated in the Complaint, you do not need to respond. A default judgement can then be entered against you for the relief requested in the Complaint. 5. LEGAL ASSISTANCE. You may wish to get legal help from a lawyer. If you do not have a lawyer, the Court Administrator may have information about places where you can get legal assistance. Even if you cannot get legal help, you must still provide an Answer to protect your rights or you may lose the case. 6. ALTERNATE DISPUTE RESOLUTION. The parties may agree to or be ordered to participate in an alternative dispute resolution process under Rule 114 of the Minnesota General Rules of Practice. You must send your written response to the Complaint EVEN IF YOU EXPECT TO USE ALTERNATIVE MEANS OF RESOLVING THIS DISPUTE. Date: Nov.10, 2011 RATGEN PERSONAL INJURY LAW FIRM, LLC /s/ Van Holston Van Holston (#0159244) Griggs Midway Building, Suite S-156 1821 University Avenue St. Paul, MN 55104 (651) 646-5840 2872098 1/12-1/26/12P

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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-12-53 ESTATE OF M. SUZANNE FLOEDER, aka MARY SUZANNE FLOEDER, MARY S. FLOEDER and SUZANNE FLOEDER, DECEDENT Notice is given that an application for informal probate of the Decedent’s will dated August 15, 1997, has been filed with the Registrar. The application has been granted. Notice is also given that the Registrar has informally appointed Richard W. Floeder whose address is: 1891 Walsh Lane, 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: 1/19/12 Heidi Carstensen Registrar Carolyn M. Renn Court Administrator Attorney For Personal Representative Amanda M. Giliotti, Esq. Giliotti Tax & Legal Services, LLC 10723 Chowen Circle Bloomington, MN 55431 (612) 382-9475 Fax No. (952) 884-1773 Atty ID# 033666X E-mail: Giliottitax@comcast.net 2887269 1/26-2/2/12P

PUBLIC NOTICE

NOTICE OF INFORMAL 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-12-61 Estate of Carol Ann Oberg a/k/a Carol A. Oberg a/k/a Carol Oberg, Decedent Notice is given that an application for informal probate of the Decedent’s will dated June 3, 2005 and codicil ( ) to the will, dated __________, and separate writings ( ) under Minn. Stat. 524.2-513 (“Will”), has been filed with the Registrar. The application has been granted. Notice is also given that the Registrar has informally appointed Rodney E. Oberg and Russell F. Oberg whose address is 23636 Logan Way, Lakeville, MN 55044 and W6499-710th Avenue, Beldonville, WI 54003 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. 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. A charitable beneficiary may request notice of the probate proceedings be given to the Attorney General pursuant to Minn. Stat. 501B.41, subd. 5. Dated: 1/23/12 Heidi Carstensen Registrar Carolyn M. Renn Court Administrator Attorney for Applicant Ward R. Anderson Grannis & Hauge, P.A. 1260 Yankee Doodle Road, Suite 200 Eagan, MN 55121 Attorney License No: 120509 Telephone: 651-456-9000 FAX: 651-454-4232 Email: wardanderson@grannishauge.com 2888607 1/26-2/2/12

PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE

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 30th day of January, 2012, 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, 2012, 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 1/18/12 Dale J. Bachmeier General Manager Acacia Park Cemetery 2886134 1/26/12

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. List the exact assumed nam e under which the business is or will be conducted: Home For You Care 2. Principal Place of Business: 14573 Grand Ave S, 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. Healthcare Resources Group, Nursing, LLC, 2600 S Shore Dr, Albert Lea, MN 56007 4. I, the undersigned, certify that I am signing this document as the person whose signature is required, or as agent of the person(s) whose signature would be required who has authorized me to sign this document on his/her behalf, or in both capacities. I further certify that I have completed all required fields, and that the information in this document is true and correct and in compliance with the applicable chapter of Minnesota Statutes. I understand that by signing this document I am subject to the penalties of perjury as set forth in Section 609.48 as if I had signed this document under oath. Date: 10/25/2011 Tim Hovde, Treas/CFO 2876358 1/19-1/26/12P

PUBLIC NOTICE

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-12-33 In Re: Estate of Donald Arthur Peterson, 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 August 19, 2004. The Registrar accepted the application and appointed Brian Peterson, whose address is 9512-176th Court, Lakeville, Minnesota 55044, to serve as the personal representative 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: 1/16/12 Heidi Carstensen Registrar Carolyn M. Renn Court Administrator Thomas W. Krause (MN#186351) Krause Law Offices, PLLC 101 East Fifth Street Suite 1800 St. Paul Minnesota 55101 Telephone: (651) 222-2838 Facsimile: (651) 222-6826 ATTORNEY FOR PERSONAL REPRESENTATIVE 2885616 1/26-2/2/12

Notice of Issuance of Harassment State of Minnesota County Dakota District Court 1st Judicial District Court File Number: 19AV-CV-11-4065 Case Type: Harassment Angel Martin, Petitioner(s) vs. Joseph Kamau, Respondent(s) To Respondent named above: YOU ARE HEREBY NOTIFIED that a Harassment Order For Relief has been issued in the above matter. You may request a hearing on this matter if you file a Request For Hearing with the Court within 45 days of issuance of the Harassment Order For Relief. You may obtain a copy of the Harassment Order For Relief from the court administrator’s office at the following address: 14955 Galaxie Avenue, Apple Valley, MN 55124. 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 24, 2012 Carolyn Renn Court Administrator Valerie Blomquist Deputy 2889310 1/26/12

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. List the exact assumed nam e under which the business is or will be conducted: American Building Contractors National Services, Inc. 2. Principal Place of Business: 2960 Judicial Road Suite 100, Burnsville, MN 55337 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. ABC Payment Services, Inc., 2960 Judicial Road Suite 100, Burnsville, MN 55337 4. I, the undersigned, certify that I am signing this document as the person whose signature is required, or as agent of the person(s) whose signature would be required who has authorized me to sign this document on his/her behalf, or in both capacities. I further certify that I have completed all required fields, and that the information in this document is true and correct and in compliance with the applicable chapter of Minnesota Statutes. I understand that by signing this document I am subject to the penalties of perjury as set forth in Section 609.48 as if I had signed this document under oath. Date: 01/02/2012 Paul Woodward, President 2884263 1/26-2/2/12P

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 FIRST JUDICIAL DISTRICT PROBATE COURT DIVISION Court File No. 19HA-PR-11-23 In re: ANNABEL CATER KRETCHMER, Deceased. Notice is given that an application for informal probate of the Decedent’s Will dated October 29, 2007, has been filed with the Registrar. The application has been granted. Any objections may be filed with this Court and will be heard by the Court after proper notice and hearing. Notice is also given that the Registrar has informally appointed John A. Kretchmer, whose address is 10105 Mississippi Blvd., Coon Rapids MN 55433, 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 Section 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. 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. Date: 1/9/12 Heidi Carstensen Registrar Carolyn M. Renn Court Administrator Attorney for Personal Representative: Dana Brandt Rebelein Attorney ID#139245 1346 32nd Ave. NW New Brighton, MN 55112-6384 PHONE 651-639-6585 DanaRebelein@gmail.com 2874655 1/19-1/26/12P

Notice of Hearing by Publication (Minn. Stat. § 518B.01, subd. 8) State of Minnesota County Dakota District Court 1st Judicial District Court File Number: 19AV-FA-12-76 Case Type: Domestic Abuse In the Matter of: Narate Keys, Petitioner vs. Nai Nhim, Respondent To Respondent named above: An order has been issued directing you to appear at 14955 Galaxie Avenue, Apple Valley, MN on February 22, 2012 at 9:00 a.m. and explain why the relief sought in the application 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: January 18, 2012 Carolyn Renn Court Administrator Valerie Blomquist Deputy 2884158 1/26/12

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: Kenbees 2. State the address of the principal place of business: 16187 Grinnell Ave., 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. Kenneth Barnhill, 16187 Grinnell Ave., 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: 8-2-2010 Kenneth Barnhill, Owner 2887212 1/26-2/2/12P

PUBLIC NOTICE PUBLIC NOTICE

Notice of Hearing by Publication (Minn. Stat. § 518B.01, subd. 8) State of Minnesota County Dakota District Court 1st Judicial District Court File Number: 19AV-FA-12-70 Case Type: Domestic Abuse In the Matter of: Chelsea Weber, Petitioner vs. Jovan Badillo, Respondent To Respondent named above: An order has been issued directing you to appear at 14955 Galaxie Avenue, Apple Valley, MN on February 22, 2012 at 9:00 a.m. and explain why the relief sought in the application 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: January 18, 2012 Carolyn Renn Court Administrator Valerie Blomquist Deputy 2884211 1/26/12

PUBLIC NOTICE

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-12-35 In Re: Estate of VERDELLA SLATER, aka VERDELLA A. SLATER and VERDELLA ANN SLATER, 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 December 23, 2009. The Registrar accepted the application and appointed Patti Staples, whose address is 6215 - 70th Street South, Cottage Grove, MN 55016, to serve as the personal representative 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: 1/16/12 Heidi Carstensen Registrar Carolyn M. Renn Court Administrator JEFFREY P. SCOTT & ASSOCIATES, LLC Amanda R. Hespen MN# 0389404 2356 University Avenue West #400 St. Paul, MN 55114 Telephone: (651) 647-9533 Facsimile: (651) 647-9544 e-mail: amanda@jeffscottandassociates.com 2885790 1/26-2/2/12

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. List the exact assumed nam e under which the business is or will be conducted: American Building Contractors Restoration Services, Inc. 2. Principal Place of Business: 2960 Judicial Road Suite 100, Burnsville, MN 55337 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. ABC Payment Services, Inc., 2960 Judicial Road Suite 100, Burnsville, MN 55337 4. I, the undersigned, certify that I am signing this document as the person whose signature is required, or as agent of the person(s) whose signature would be required who has authorized me to sign this document on his/her behalf, or in both capacities. I further certify that I have completed all required fields, and that the information in this document is true and correct and in compliance with the applicable chapter of Minnesota Statutes. I understand that by signing this document I am subject to the penalties of perjury as set forth in Section 609.48 as if I had signed this document under oath. Date: 01/02/2012 Paul Woodward, President 2884350 1/26-2/2/12P

PUBLIC NOTICE

NOTICE OF AND ORDER FOR 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 FIRST JUDICIAL DISTRICT Court File No.: 19HA-PR-12-31 In Re: Estate of Claudette Isabel Nigon, Decedent. It is Ordered and Notice is given that on February 21, 2012 at 9:00 a.m., a hearing will be held in this Court at 1560 Highway 55, Hastings, Minnesota, on a petition for the formal probate of an instrument purporting to be the decedent’s Will dated October 30, 2011, and for the appointment of Chad Brian Litkey, whose address is 10208 Pleasure Creek Parkway West, Blaine, MN 55434 as personal representative of the decedent’s estate in an unsupervised administration. Any objections to the petition must be raised at the hearing or filed with the Court prior to the hearing. If the petition is proper and no objections are filed or raised, the personal representative will be appointed with the full power to administer the decedent’s estate, including the power to collect all assets; pay all legal debts, claims, taxes, and expenses; sell real and personal property; and do all necessary acts for the decedent’s estate. 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: 1/13/12 BY THE COURT Shawn M. Moynihan Judge of District Court RICHARD S. GILLMAN, Esq. Richard S. Gillman MN# 35051 770 Upper Colonial Drive Mendota Heights, MN 55118 Telephone: (651) 222-0870 e-mail: richgillman01@aol.com 2880268 1/19-1/26/12P

PUBLIC HEARING NOTICE CITY OF LAKEVILLE

REQUEST: The vacation of a public drainage and utility easement in conjunction with the re-platting of 13 lots in Spirit of Brandtjen Farm 7th Addition. APPLICANT: SBF Development Corp. LOCATION AND LEGAL DESCRIPTION: The public drainage and utility easements to be vacated are located east of Draft Horse Boulevard and north of 170th Street in the City of Lakeville, Dakota County, Minnesota and are described as follows: All drainage and utility easements as dedicated per the plat of SPIRIT OF BRANDTJEN FARM 7TH ADDITION, according to the recorded plat thereof, Dakota County, Minnesota, lying within Lots 7 through 19, Inclusive, Block 2, said plat of SPIRIT OF BRANDTJEN FARM 7TH ADDITION. WHEN: Thursday, February 16, 2012 at 6:00 p.m. or as soon thereafter as the parties may be heard. Planning Commission WHERE: meeting at the City Hall Council Chambers, 20195 Holyoke Avenue, Lakeville, Minnesota. Q U E S T I O N S : Contact Planning Director Daryl Morey at (952) 985-4422 or by e-mail at dmorey@ci.lakeville.mn.us DATED this 24th day of January, 2012. CITY OF LAKEVILLE __________________________ Charlene Friedges, City Clerk 2889165 1/26/12

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. List the exact assumed nam e under which the business is or will be conducted: American Building Contractors, Inc. 2. Principal Place of Business: 2960 Judicial Road Suite 100, Burnsville, MN 55337 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. ABC Payment Services, Inc., 2960 Judicial Road Suite 100, Burnsville, MN 55337 4. I, the undersigned, certify that I am signing this document as the person whose signature is required, or as agent of the person(s) whose signature would be required who has authorized me to sign this document on his/her behalf, or in both capacities. I further certify that I have completed all required fields, and that the information in this document is true and correct and in compliance with the applicable chapter of Minnesota Statutes. I understand that by signing this document I am subject to the penalties of perjury as set forth in Section 609.48 as if I had signed this document under oath. Date: 01/02/2012 Paul Woodward, President 2884361 1/26-2/2/12P

PUBLIC NOTICE

MINNESOTA SECRETARY OF STATE AMENDMENT TO 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. List the exact assumed nam e under which the business is or will be conducted: VOGUE Images International 2. Principal Place of Business: 13160 Fordham Ct, 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. VOGUE Images International LLC, 13160 Fordham Ct, Apple Valley, MN 55124 4. This certificate is an amendment of Certificate of Assumed Name File Number: 41376750002 under the name VOGUE Images USA. 5. I, the undersigned, certify that I am signing this document as the person whose signature is required, or as agent of the person(s) whose signature would be required who has authorized me to sign this document on his/her behalf, or in both capacities. I further certify that I have completed all required fields, and that the information in this document is true and correct and in compliance with the applicable chapter of Minnesota Statutes. I understand that by signing this document I am subject to the penalties of perjury as set forth in Section 609.48 as if I had signed this document under oath. Date: 1/10/12 Beth Crocker 2880485 1/19-1/26/12P

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PUBLIC NOTICE

NOTICE OF AND ORDER FOR HEARING ON PETITION FOR DETERMINATION OF DESCENT STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT Court File No.: 19HA-PR-12-63 In Re: Estate of Frank C. Curry, Decedent. David Charles Curry has filed a Petition for Determination of Descent. It is Ordered that on Feb. 21, 2012, at 9:00, a hearing will be held in this Court at the Dakota County Government Center, 1560 West Highway 55, Hastings, Minnesota, on the petition. The petition represents that the decedent died more than three (3) years ago leaving property in Minnesota. The petition requests the Court probate the decedent’s Will, determine the descent of such property and assign the property to the persons entitled. Any objections to the petition must be raised at the hearing or filed with the Court prior to the hearing. If the petition is proper and no objections are filed or raised, the petition will be granted. Notice shall be given by publishing this Notice and Order as provided by law and by: Mailing a copy of this Notice and Order to each interested person by United States mail at least 14 days before the time set for the hearing. Dated: 1/24/12 BY THE COURT Joseph T. Carter Judge of District Court Samuel C. Tripp MN# 110851 4445 West 77th Street, Suite 235 Edina, MN 55435 Telephone: 952-831-5533 Facsimile: 952-831-0028 2889529 1/26-2/2/12P

PUBLIC NOTICE

ORDER TO SHOW CAUSE STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT COURT FILE NO. 19HA-CV-11-6479 In the Matter of the Petition of: Aurora Loan Services, LLC, In Relation to Certificate of Title No. 137055 issued for land in the County of Dakota and State of Minnesota and legally described as: Unit No. 24, CIC No. 202, Summit Village Condominium, a condominium located in the County of Dakota. TO: JEFFREY A. RICHARDS; OLD REPUBLIC INSURANCE COMPANY; and to parties, if any, in possession of said premises adverse to the Petitioner. Upon receiving and filing the Report of the Examiner of Titles in the above entitled matter, IT IS HEREBY ORDERED, that you, and all persons interested, appear before this Court on the 22nd day of February, 2012, at 9:00 a.m. in the Dakota county Government Center, Hastings, Minnesota, and then, or as soon thereafter as said matter can be heard, show cause, if any there be, why this Court should not enter an Order as follows: That the Registrar of Titles, upon the filing with him of a certified copy of this Order, cancel Certificate of Title No. 137055 and enter a new Certificate of Title for the land therein described in favor of Aurora Loan Services, LLC, subject to the memorials of Document Nos. 255398, 348832, 348837, 348838, 530837, and 619991 but free from all other memorials now appearing on the present Certificate of Title, the last of which is Document No. 680274, and free also from the memorial of this Order. IT IS FURTHER ORDERED, that this Order be served: (a) at least 10 days before the hearing upon the above-named parties residing in this State in the manner provided by law for the service of Summons in a civil action; (b) it shall be served at least 14 days before the hearing upon each of the above-named non-residents by sending a copy of this Order to the non-resident's post office address, by registered or certified mail, return receipt requested; (c) it shall be served upon any party who cannot be found by two weeks published notice and by sending a copy of this Order at least 14 days before the hearing by first class mail to the last known address of the party and by sending another copy of this Order at least 14 days before the hearing by first class mail to the address of such party as stated on the Certificate of Title if an address is so stated. DATED: December 27, 2011 BY THE COURT: /s/ Michael J. Mayer Judge of District Court APPROVED: JAMES P. O'CONNELL EXAMINER OF TITLES BY: /s/ James P. O'Connell JAMES P. O'CONNELL Attorney for Petitioner: Robert Q. Williams Wilford, Geske & Cook, P.A. 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125 Attendance is not required at said hearing except to object to the entry of the above described Order. 2897168 1/19-1/26/12

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PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE

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-12-45 Estate of Ruth Elizabeth Goodrich, Decedent It is Ordered and Notice is given that on February 21, 2012, at 9:00 am, a hearing will be held in this Court at 1560 Hwy 55, Hastings, MN 55033, Minnesota, for the formal probate of an instrument purporting to be the Will of the Decedent dated, September 18, 2000, (“Will”), and for the appointment of Cherrie A. Green, whose address is 1858 Ivan Way, St. Paul, MN, 55116 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: 1/18/12 BY THE COURT Mary J. Theisen Judge of District Court (COURT SEAL) Attorney for Petitioner Terry L. Mitchell Mitchell, Bruder & Johnson 3820 Cleveland Avenue North, Suite 150 Arden Hills, MN, 55112 Attorney License No: 73933 Telephone: (651) 604-9111 FAX: (651) 604-9095 Email: tmitchell@mbjlaw.net 2887312 1/26-2/2/12P

PUBLIC NOTICE

NOTICE OF ASSOCIATION LIEN FORECLOSURE SALE NOTICE IS HEREBY GIVEN, that default has occurred in the terms and conditions of the Declaration for Ridgeview Condominium Homes ("Declaration") as recorded in the office of the County Recorder in and for Dakota County, Minnesota, which said Declaration covers the following described property situated in the County of Dakota and State of Minnesota, to-wit: Apartment Number 301, 12836 Nicollet Avenue South, Condominium Ownership No. 15, Ridgeview Condominium Homes PROPERTY ADDRESS: 12836 Nicollet Avenue South Unit 301, Burnsville MN 55337 THAT, pursuant to said Declaration, there is claimed to be due and owing as of the date of this Notice by Mary J. Resnikoff , as Unit owner, to Ridgeview Homeowners Association, the principal amount of Two Thousand Four Hundred Two and 00/100 ($2,402.00) for condominium assessments; and that any action being now pending at law or otherwise to recover said debt or any part thereof has been discontinued, or that an execution upon any judgment rendered therein has been returned unsatisfied, in whole or in part, and; THAT, pursuant to said Declaration, and the statute in such case made and provided, said debt creates a lien upon said premises in favor of Ridgeview Homeowners Association, as evidenced by that Notice of Lien dated J a n u a r y 1 5 , 2 0 1 0, and recorded October 8, 2010 as Document No. 2758382 in the Dakota County Recorder's Office. THAT, notice is hereby given that by virtue of the power of sale created by statute, said lien will be foreclosed by the sale of said premises with the hereditiments and appurtenances thereto, which said sale will be made by the Sheriff of Dakota County, at public auction to the highest bidder, for cash, to pay the amount then due for said condominium assessments, together with the costs of foreclosure, including attorney's fees as allowed by law, as follows: DATE AND TIME OF SALE: March 14, 2012, at 10:00 A.M. PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Hastings, MN. The time allowed by law for redemption by the Unit owner, their personal representatives or assigns, is six (6) months from the date of said sale. If no redemption occurs, the property must be vacated by 11:59 PM on September 14, 2012. Dated: January 10, 2012 By ________________________________ David J. Raymond, #221818 Attorney for Ridgeview Homeowners Association 5838 Blackshire Path Inver Grove Heights, MN 55076 651-455-3100 File # 1441142 THIS COMMUNICATION IS FROM A DEBT COLLECTOR 2882915 1/19-2/23/12

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 14, 2006 MORTGAGORS: Jamey C. Kohlbeck and Rita M. Kohlbeck, husband and wife. MORTGAGEE: ABN Amro Mortgage Group, Inc n/k/a CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Recorded August 24, 2006, Dakota County Recorder, Document No. 2456042. 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: 11695 Langford Circle, Burnville, MN 55337 TAX PARCEL I.D. #: 02-22460-03007 LEGAL DESCRIPTION OF PROPERTY: Unit No. 1007, Common Interest Community No. 188, Eagles Ridge, a condominium located in Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $171,200.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE:$167,795.18 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 17, 2012 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 __July 17, 2012____________________, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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 15, 2011. CitiMortgage, Inc. 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 10-6611 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 20, 2012 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 19, 2012. 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 10-6611 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2885684 1/26/12

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 3, 2007 MORTGAGOR: Nichole J. Reimer, a married person. MORTGAGEE: C i t i M o r t g a g e , I n c . f/k/a ABN Amro Mortgage Group, Inc. DATE AND PLACE OF RECORDING: Recorded May 11, 2007, Dakota County Recorder, Document No. 2516277. 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. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 15741 Duck Pond Way, Apple Valley, MN 55124 T A X P A R C E L I . D . # : 01-18052-030-07 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 7, Cobblestone Lake 3rd Addition, CIC No. 357 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $412,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $457,709.47 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: January 19, 2012 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 July 19, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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 18, 2011. CitiMortgage, Inc. 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 10-6650 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 1, 2012 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 23, 2012. 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 10-6650 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2888066 1/26/12

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 9, 2005 MORTGAGOR: Jeri R. Gillingham, a single person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered June 22, 2005, Dakota County Registrar of Titles, Document No. 567997, Certificate of Title No. 136526. ASSIGNMENTS OF MORTGAGE: Assigned to: Share Plus Federal. Said Mortgage being Registered Land. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100201600004897403 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Share Plus Federal RESIDENTIAL MORTGAGE SERVICER: Dovenmuehle Mortgage, Inc. MORTGAGED PROPERTY ADDRESS: 13334 Court Place, Burnsville, MN 55337 TAX PARCEL I.D. #: 024060003040 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 3, in Judicial Knolls. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $153,600.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $148,153.88 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, 2012 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 July 19, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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 21, 2011. Share Plus Federal 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 9-1 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 1, 2012 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 23, 2012. SharePlus Federal Bank 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 9-1 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2888042 1/26/12

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. List the exact assumed nam e under which the business is or will be conducted: American Building Contractors Insurance Restoration Services, Inc. 2. Principal Place of Business: 2960 Judicial Road Suite 100, Burnsville MN 55337 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. ABC Payment Services, Inc., 2960 Judicial Road Suite 100, Burnsville, MN 55337 4. I, the undersigned, certify that I am signing this document as the person whose signature is required, or as agent of the person(s) whose signature would be required who has authorized me to sign this document on his/her behalf, or in both capacities. I further certify that I have completed all required fields, and that the information in this document is true and correct and in compliance with the applicable chapter of Minnesota Statutes. I understand that by signing this document I am subject to the penalties of perjury as set forth in Section 609.48 as if I had signed this document under oath. Date: 01/02/2012 Paul Woodward, President 2884275 1/26-2/2/12P

PUBLIC NOTICE

NOTICE AND ORDER OF HEARING ON PETITION FOR FORMAL ADJUDICATION OF INTESTACY, DETERMINATION OF HEIRSHIP, 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-12-44 ESTATE OF Christian Joseph Hallman, DECEDENT It is Ordered and Notice is given that on February 21, 2012 at 9:00 a.m. a hearing will be held in this Court at Dakota County Judicial Center, 1560 Highway 55, Hastings, Minnesota, for the adjudication of intestacy and determination of heirship of the Decedent, and for the appointment of Graham D. Hallman whose address is: 2428 Colfax Avenue South, Minneapolis, MN 55405 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, pay all legal debts, claims, taxes and expenses, to sell real and personal property, and 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. Date: 1/18/12 Michael Mayer Judge (COURT SEAL) Graham D. Hallman, Pro Se 2428 Colfax Avenue South Minneapolis, MN 55405 612-366-8356 2885167 1/26-2/2/12P

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, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $172,455.00 MORTGAGOR(S): Bruce O. Kubes, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for Lakeland Mortgage Company, its successors and assigns DATE AND PLACE OF RECORDING: Recorded: August 16, 2004 Dakota County Recorder Document Number: 2238296 ASSIGNMENTS OF MORTGAGE: And assigned to: Aurora Bank, FSB Dated: December 07, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100137510000146326 Lender or Broker: Lakeland Mortgage Corporation Residential Mortgage Servicer: Aurora Bank, FSB Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1681 Boardwalk, Eagan, MN 55122-1235 Tax Parcel ID Number:

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�� Tax Parcel ID Number: 10-31900-02-450 LEGAL DESCRIPTION OF PROPERTY: Lot 45, Block 2, Hampton Heights, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $161,395.57 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 03, 2012 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 03, 2012, or the next business day if August 03, 2012 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 22, 2011 ASSIGNEE OF MORTGAGEE: Aurora Bank, FSB Wilford, Geske & Cook 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: 022900F01 2858214 12/22/11-1/26/12

PUBLIC NOTICE

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-12-21 In Re: Estate of Winfred Gordon Thompson, Jr., 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 January 20, 1993. The Registrar accepted the application and appointed Lori Thompson-Garry, whose address is 3529 Great Oaks Place, Eagan, MN 55123, to serve as the personal representative 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: 1/9/12 Heidi Carstensen Registrar Carolyn M. Renn Court Administrator Joel G. Paschka, #0250466 Dutcher & Paschka, PA 115 W 3rd Ave, Suite 106 Alexandria, MN 56308 Phone: 320-759-9000 Fax: 866-650-3122 email: joel@dutcherlawoffice.com 2874690 1/19-1/26/12P

PUBLIC NOTICE

ORDER AND NOTICE 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 FIRST JUDICIAL DISTRICT Court File No.: 19HA-PR-12-47 In Re: Estate of Mary Helena Neisen, Decedent. It is Ordered and Notice is given that on 2-21-12 at 9:00 AM, a hearing will be held in this Court at 1560 Judicial Center, Highway #55, Hastings, Minnesota 55033, on a petition for the formal probate of an instrument purporting to be the decedent’s Will dated June 27, 2011, and Separate Writing pursuant to Minn. Stat. § 524.2-513, and for the appointment of Mary M. Riley, whose address is 174 Johnson Way, Kimberling, Missouri 65686 as personal representative of the decedent’s estate in an unsupervised administration. Any objections to the petition must be raised at the hearing or filed with the Court prior to the hearing. If the petition is proper and no objections are filed or raised, the personal representative will be appointed with the full power to administer the decedent’s estate, including the power to collect all assets; pay all legal debts, claims, taxes, and expenses; sell real and personal property; and do all necessary acts for the decedent’s estate. 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: 1-19-2012 BY THE COURT Shawn M. Moynihan Judge of District Court Raymond J. Kempe MN # 55013 3470 Washington Drive, Suite 214 Eagan, MN 55122 Telephone 651-222-3784 Fax 651-789-0776 2885975 1/26-2/2/12

PUBLIC NOTICE

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 PROBATE/MENTAL HEALTH DIVISION COURT FILE NO. 19HA-PR-12-49 In Re: Estate of Albert W. Anderson, Sr., 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 April 12, 2000. The Registrar accepted the application and appointed Thomas L. Anderson, whose address is 5338 Upper 147th St. W., Apple Valley, Minnesota 55124, to serve as the personal representative 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: 1/19/12 Heidi Carstensen Registrar Carolyn M. Renn Court Administrator Eric S. Rehm (MN# 90268) Law Office of Eric S. Rehm, Ltd. 740 Southcross Dr. W. #105 Burnsville Minnesota 55306 Telephone: (952) 890-7050 Facsimile: (952) 898-9632 ATTORNEY FOR PERSONAL REPRESENTATIVE 2886218 1/26-2/2/12

PUBLIC NOTICE

MORTGAGEE: Mortgage Electronic Registration Systems, Inc.. DATE AND PLACE OF RECORDING: Recorded August 18, 2005, Dakota County Recorder, Document No. 2352586. ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank National Association. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100026900020817879 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Bell America Mortgage LLC DBA Bell Mortgage RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 2681 west 148th Street, Rosemount, MN 55068 TAX PARCEL I.D. #: 346490001200 LEGAL DESCRIPTION OF PROPERTY: Lot 20, Block 1, Rosewood Estates, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $269,700.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $253,553.62 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 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, 2012 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 9, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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, 2011. U.S. Bank National Association 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 19-2915 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2858970 12/22/11-1/26/12

PUBLIC NOTICE

LEGAL DESCRIPTION OF PROP ERTY: Lot 1, Block 3, O'Leary's Hills Fourth Addition, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $253,400.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $272,555.82 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: February 3, 2012 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 3, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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 12, 2011. U.S. Bank National Association 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 19-2619 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2853351 12/22/11-1/26/12

PUBLIC NOTICE

ORDER AND NOTICE OF HEARING ON PETITION FOR FORMAL ADJUDICATION OF INTESTACY, DETERMINATION OF HEIRSHIP 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-12-25 In Re: Estate of Jeanne M. Durand, aka Jeanne Marie Durand, Deceased TO ALL INTERESTED PERSONS AND CREDITORS: It is ordered and notice is hereby given that on the 7th day of February, 2012, at 9:00 o’clock A.M., a hearing will be held in the above named Court at 1560 West Highway 55, Hastings, Minnesota, on petition for Damon C. Durand, dated December 22, 2011, for the adjudication of intestacy and determination of heirship of the above named decedent, and for the appointment of Damon C. Durand, whose address is 7666 - 101st Street West, Bloomington, MN 55438, as personal representative of the estate of the above named decedent in unsupervised administration, and any objection thereto must be filed with the court. That, if proper, and no objections are filed, said 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. Dated: 1/11/12 Richard Spicer Judge (Court Seal) P. James Taurinskas Attorney 633 So. Concord St., #320 P. O. Box 605 South St. Paul, MN 55075 2878930 1/19-1/26/12

PUBLIC NOTICE

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 DISTRICT COURT PROBATE DIVISION FIRST JUDICIAL DISTRICT Court File No. 19HA-PR-12-55 Estate of THOMAS J. BLUM, AKA THOMAS JOHN BLUM, SR., Decedent. It is Ordered and Notice is given that on 2-21, 2012, at 9:00 a.m., a hearing will be held in this Court at Dakota County Government Center, 1560 Highway 55, Hastings, Minnesota, for the formal probate of an instrument purporting to be the will of the Decedent, dated January 29, 1981, and for the appointment of Roger W. Blum, whose address is 669 - 1st Avenue, Mendota Heights, MN 55118, 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 at the hearing. If proper and if no objections are filed, 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. Date: 1/20/12 Mary J. Theisen Judge (COURT SEAL) Attorney for Personal Representative Sally K. Mortenson Attorney at Law 2500 West County Road 42, Suite 160 Burnsville, Minnesota 55337 Attorney License No.: 75632 Telephone: 952-431-2222 Fax: 952-224-0901 2888300 1/26-2/2/12

PUBLIC NOTICE

NOTICE OF INFORMAL 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-12-37 Estate of Nicholas James Vitelli, Decedent Notice is given that an application for informal probate of the Decedent’s Will dated 10/29/1991 and codicil ( ) to the Will, dated 10/29/1996, and separate writings ( ) under Minn. Stat. 524.2-513 (“Will”), has been filed with the Registrar. The application has been granted. Notice is also given that the Registrar has informally appointed Carolyn M. Kemp and Pearl V. Hallett whose address is 460 Annapolis St. E., W. St. Paul, MN 55118 and 615 16th Ave. N., S. St. Paul, MN 55075 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. 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: 1/16/12 Heidi Carstensen Registrar Carolyn M. Renn Court Administrator Attorney for Applicant Carolyn M. Kemp, Pro Se 460 Annapolis St. E. W. St. Paul, MN 55118 651-457-5427 Email: ckempkairus@aol.com 2887768 1/26-2/2/12P

PUBLIC NOTICE

2004 MORTGAGOR: Michael L. Lindberg, a single person. MORTGAGEE:Advisor's Mortgage, LLC. DATE AND PLACE OF RECORDING: Recorded July 22, 2004, Dakota County Recorder, Document No. 2229138. ASSIGNMENTS OF MORTGAGE: Assigned to: TCF Mortgage Corporation. And thereafter assigned to: Mortgage Electronic Registration Systems, Inc.. And thereafter assigned to: U.S. Bank National Association. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Advisor's Mortgage, LLC RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 4446 Slater Road, Eagan, MN 55122 TAX PARCEL I.D. #: 101740203061 LEGAL DESCRIPTION OF PROPERTY: That part of Lot 6, Block 3, Cinnamon Ridge 3rd Addition, lying Southwesterly of a line drawn from a point on the Southeasterly line of said Lot 6, distant 40.00 feet Southwesterly of the most Easterly corner thereof, to a point on the Northwesterly line of said Lot 6, distant 40.00 feet Southwesterly of the most Northerly corner thereof, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $179,900.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $167,535.28 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 3, 2012 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 3, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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: November 28, 2011. U.S. Bank National Association 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 19-3182 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2858878 12/22/11-1/26/12

PUBLIC NOTICE

��

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100103210000126218 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Prime Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 4354 Wood Duck Circle, Eagan, MN 55122 TAX PARCEL I.D. #: 104725202310 LEGAL DESCRIPTION OF PROPERTY: Lot 31, Block 2, Mallard Park Third Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $356,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $350,132.27 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: February 9, 2012 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 9, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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, 2011. U.S. Bank National Association 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 19-3229 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2858909 12/22/11-1/26/12

PUBLIC NOTICE

minium, Condominium File No. 41 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $112,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $99,857.96 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: February 3, 2012 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 3, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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, 2011. U.S. Bank National Association 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 19-3225 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2858898 12/22/11-1/26/12

PUBLIC NOTICE

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 DISTRICT COURT FIRST JUDICIAL DISTRICT Court File No. 19HA-PR-12-59 Estate of Sonja Marie Peters, also known as Sonja M. Peters and Sonja Peters, Decedent It is Ordered and Notice is given that on 2/21/12, at 9:00 AM, a hearing will be held in this Court at 1560 Highway 55, Hastings, MN 55033, Minnesota, for the formal probate of an instrument purporting to be the Will of the Decedent dated August 14, 2007 (“Will”), and for the appointment of Rolf S. Peters, whose address is 18216 Jamaica Path, Lakeville, MN, 55044 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. A charitable beneficiary may request notice of the probate proceedings be given to the Attorney General pursuant to Minn. Stat. 501B.41, subd. 5. Dated: 1/23/12 BY THE COURT Joseph T. Carter Judge of District Court (COURT SEAL) Attorney for Petitioner Michael R. Nixt, Esq. (#235441) Cindy J. Ackerman, Esq. (#301887) Moss & Barnett, P.A. 90 S. 7th Street 4800 Wells Fargo Center Minneapolis, MN, 55402 Attorney License No: 235441 Telephone: (612) 877-5000 FAX: (612) 877-5999 2888827 1/26-2/2/12

PUBLIC NOTICE

NOTICE OF AND ORDER FOR HEARING ON PETITION FOR FORMAL ADJUDICATION OF INTESTACY, DETERMINATION OF HEIRS, FORMAL APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT Court File No.: 19HA-PR-12-40 In Re: Estate of RUTH SAUVE, Decedent. It is Ordered and Notice is given that on February 21, 2012 at 9:00 a.m., a hearing will be held in this Court at Dakota County District Court, Dakota County Judicial Center, 1560 Highway 55, Hastings, Minnesota 55033 on a petition for the adjudication of intestacy and determination of decedent’s heirs, and for the appointment of Lynn Pirie, whose address is 13479 Gardenview Drive, Apple Valley, Minnesota 55124, as personal representative of the decedent’s estate in an unsupervised administration. Any objections to the petition must be raised at the hearing or filed with the Court prior to the hearing. If the petition is proper and no objections are filed or raised, the personal representative will be appointed with the full power to administer the decedent’s estate, including the power to collect all assets; to pay all legal debt, claims, taxes, and expenses; to sell real and personal property; and to do all necessary acts for the decedent’s estate. 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: 1/17/12 BY THE COURT Mary J. Theisen Judge of District Court GUZMAN LAW FIRM, P.A. Lori L. Guzman, Att’y Reg. No. 285808 Timothy P. Carey, Att’y Reg. No. 390868 14847 Energy Way Apple Valley, MN 55124 Telephone: (952) 432-0648 Facsimile: (952) 431-2491 e-mail: lori@guzmanlaw.com 2883398 1/26-2/2/12

PUBLIC NOTICE

NOTICE OF INFORMAL 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-12-38 Estate of Joseph P. Hatfield, Decedent Notice is given that an application for informal probate of the Decedent’s Will, dated May 8, 1993, (“Will”), has been filed with the Registrar. The application has been granted. Notice is also given that the Registrar has informally appointed Cheryl R. Hatfield, whose address is 10076 Woodhill Boulevard, Lakeville, MN 55044, 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. 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: 1/16/12 Heidi Carstensen Registrar Carolyn M. Renn Court Administrator Attorney for Personal Representative Emily Fox Williams Dougherty, Molenda, Solfest, Hills & Bauer P.A. 7300 West 147th Street, Suite 600 Apple Valley, MN, 55124 Attorney License No: 0297720 Telephone: (952) 953-8809 FAX: (952) 432-3780 Email: ewilliams@dmshb.com 2888592 1/26-2/2/12

PUBLIC NOTICE

the following described mortgage: DATE OF MORTGAGE: J a n u a r y 1 4 , 2003 MORTGAGORS: Erin M. Denet and Charles J. Denet, wife and husband. MORTGAGEE:ABN Amro Mortgage Group, Inc., n/k/a CitiMortgage, Inc.. DATE AND PLACE OF RECORDING: Recorded July 3, 2003, Dakota County Recorder, Document No. 2073493. 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: 4891 190th Street West, Farmington, MN 55024 T A X P A R C E L I . D . # : 14-47800-010-01 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 1, Meadow Creek First Addition, according to the recorded plat thereof, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $164,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $170,561.24 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, 2012 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 9, 2012_____________________, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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 12, 2011. CitiMortgage, Inc. 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 10-5358 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2857316 12/22/11-1/26/12

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 26, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $154,444.00 MORTGAGOR(S): Cole D. Empey and Desirae Empey, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: June 25, 2004 Dakota County Recorder Document Number: 2219873 ASSIGNMENTS OF MORTGAGE: And assigned to: ING Bank, FSB Dated: April 18, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100177700000337428 Lender or Broker: Home Town Mortgage, Inc. Residential Mortgage Servicer: Aurora Bank, FSB Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 20044 Cabrilla

��

�� Property Address: 20044 Cabrilla�� PURSUANT to the �� power of sale con Way, Farmington, MN 55024-1485 tained in said mortgage, the above T a x P a r c e l I D N u m b e r : described property will be sold by the 12.24500.067.04 Sheriff of said county as follows: LEGAL DESCRIPTION OF PROPDATE AND TIME OF SALE: February ERTY: Lot 67, Block 4, Empire River 23, 2012 at 10:00 AM Preserve, CIC No. 386, according to the PLACE OF SALE:Sheriff's Office, Law recorded plat thereof, Dakota County, Enforcement Center, 1580 Hwy 55, Minnesota. Lobby #S-100, Hastings, MN AMOUNT DUE AND CLAIMED TO BE to pay the debt then secured by said D U E A S O F D A T E O F N O T I C E : Mortgage, and taxes, if any, on said $159,336.62 premises, and the costs and disburseTHAT all pre-foreclosure require- 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 ments have been complied with; that allowed by law subject to redemption no action or proceeding has been insti- within six (6) months from the date of tuted at law or otherwise to recover the said sale by the mortgagor(s), their debt secured by said mortgage, or any personal representatives or assigns part thereof; unless reduced to Five (5) weeks under PURSUANT to the power of sale con- MN Stat. §580.07. tained in said mortgage, the TIME AND DATE TO VACATE PROPabove-described property will be sold E R T Y : I f t h e r e a l e s t a t e i s a n by the Sheriff of said county as fol- owner-occupied, single-family dwelllows: ing, unless otherwise provided by law, DATE AND TIME OF SALE: February the date on or before which the mort03, 2012 at 10:00 AM gagor(s) must vacate the property if the PLACE OF SALE: Dakota County mortgage is not reinstated under secLaw Enforcement Center, 1580 High- tion 580.30 or the property is not way 55, Lobby S-100, Hastings, Minne- redeemed under section 580.23 is sota 11:59 p.m. on August 23, 2012, unless to pay the debt secured by said mort- the redemption period is reduced to 5 gage and taxes, if any, on said pre- weeks under MN Stat. Secs. 580.07 or mises and the costs and disburse- 582.032. MORTGAGOR(S) RELEASED FROM ments, including attorney fees allowed by law, subject to redemption within FINANCIAL OBLIGATION ON MORTsix (6) months from the date of said GAGE: None "THE TIME ALLOWED BY LAW FOR sale by the mortgagor(s), their perREDEMPTION BY THE MORTGAGOR, sonal representatives or assigns. If the Mortgage is not reinstated THE MORTGAGOR'S PERSONAL REPunder Minn. Stat. §580.30 or the prop- RESENTATIVES OR ASSIGNS, MAY BE erty is not redeemed under Minn. Stat. REDUCED TO FIVE WEEKS IF A JUDI§580.23, the Mortgagor must vacate CIAL ORDER IS ENTERED UNDER the property on or before 11:59 p.m. on MINNESOTA STATUTES, SECTION August 03, 2012, or the next business 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G day if August 03, 2012 falls on a Satur- OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED day, Sunday or legal holiday. Mortgagor(s) released from financial WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT obligation: NONE THIS COMMUNICATION IS FROM PROPERTY USED IN AGRICULTURAL A DEBT COLLECTOR ATTEMPT- P R O D U C T I O N , A N D A R E ING TO COLLECT A DEBT. ANY ABANDONED." Dated: December 23, 2011. INFORMATION OBTAINED WILL BE U.S. Bank National Association USED FOR THAT PURPOSE. Mortgagee/Assignee of Mortgagee THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE USSET, WEINGARDEN AND LIEBO, P.L.L.P. ORIGINAL CREDITOR WITHIN THE Attorneys for Mortgagee/Assignee of T I M E P R O V I D E D B Y L A W I S N O T Mortgagee 4500 Park Glen Road #300 AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR Minneapolis, MN 55416 REDEMPTION BY THE MORTGAGOR, (952) 925-6888 THE MORTGAGOR'S PERSONAL REP- 19-3129 RESENTATIVES OR ASSIGNS, MAY BE THIS IS A COMMUNICATION FROM REDUCED TO FIVE WEEKS IF A JUDI- A DEBT COLLECTOR. 1/5-2/9/12 CIAL ORDER IS ENTERED UNDER 2868373 MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTNOTICE OF MORTGAGE GAGED PREMISES ARE IMPROVED FORECLOSURE SALE WITH A RESIDENTIAL DWELLING OF THE RIGHT TO VERIFICATION LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN PRODUCTION, AND ARE ABANDONED. THE TIME PROVIDED BY LAW IS DATED: December 22, 2011 NOT AFFECTED BY THIS ACTION. ASSIGNEE OF MORTGAGEE: NOTICE IS HEREBY GIVEN, that ING Bank, FSB default has occurred in conditions of Wilford, Geske & Cook P.A. the following described mortgage: Attorneys for Assignee of Mortgagee DATE OF MORTGAGE: M a r c h 2 8 , Lawrence A. Wilford 2008 James A. Geske MORTGAGORS: Matthew D. Wilson, 8425 Seasons Parkway, Suite 105 A Single Person and David C. Wilson Woodbury, MN 55125-4393 and Beverly J. Wilson, Husband and (651) 209-3300 Wife. File Number: 020322F01 MORTGAGEE:Mortgage Electronic 2857292 12/22-1/26/12 Registration Systems, Inc.. DATE AND PLACE OF RECORDING: Recorded April 29, 2008, Dakota County Recorder, Document No. NOTICE OF MORTGAGE 2587551. FORECLOSURE SALE ASSIGNMENTS OF MORTGAGE: THE RIGHT TO VERIFICATION Assigned to: U.S. Bank National OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN Association. TRANSACTION AGENT: Mortgage THE TIME PROVIDED BY LAW IS Electronic Registration Systems, Inc. NOT AFFECTED BY THIS ACTION. TRANSACTION AGENT'S MORTNOTICE IS HEREBY GIVEN, that default has occurred in conditions of GAGE IDENTIFICATION NUMBER ON MORTGAGE: 100021278845638233 the following described mortgage: LENDER OR BROKER AND MORTDATE OF MORTGAGE: M a r c h 1 8 , GAGE ORIGINATOR STATED ON 2008 MORTGAGOR: J a m e s R o s s e l , A M O R T G A G E : U . S . B a n k N a t i o n a l Association Single Person. RESIDENTIAL MORTGAGE SERMORTGAGEE:Homeservices Lending, LLC Series A DBA Edina Realty VICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: Mortgage. DATE AND PLACE OF RECORDING: 1 2 8 5 6 N i c o l l e t A v e n u e , U n i t 1 0 2 , Burnsville, MN 55337 Recorded April 7, 2008, Dakota TAX PARCEL I.D. #: 020130016446 County Recorder, Document No. LEGAL DESCRIPTION OF PROP2582670. A S S I G N M E N T S O F M O R T G A G E : ERTY: Apartment No. 102, 12856 Nicollet Assigned to: Mortgage Electronic Avenue South, Condominium NumRegistration Systems, Inc.. And thereber 15, Ridgeview Condominium after assigned to: U.S. Bank National Homes, Dakota County, Minnesota. Association. COUNTY IN WHICH PROPERTY IS TRANSACTION AGENT: NONE T R A N S A C T I O N A G E N T ' S M O R T - LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF GAGE IDENTIFICATION NUMBER ON MORTGAGE: $78,764.00 MORTGAGE: NONE AMOUNT DUE AND CLAIMED TO BE LENDER 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 DUE AS OF DATE OF NOTICE, INCLUDMORTGAGE: Homeservices Lending, ING TAXES, IF ANY, PAID BY MORTLLC Series A DBA Edina Realty Mort- GAGEE: $80,136.43 That prior to the commencement of gage 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: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: plied with all notice requirements as 19464 Ellington Trail, Farmington, MN required by statute; That no action or proceeding has been instituted at law 55024 TAX PARCEL I.D. #: 14-45350-01330 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 secured by said mortgage, or any part LEGAL DESCRIPTION OF PROPthereof; ERTY: PURSUANT to the power of sale conLot 33, Block 1, Limerock Ridge, tained in said mortgage, the above Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS described property will be sold by the Sheriff of said county as follows: LOCATED: Dakota DATE AND TIME OF SALE: February ORIGINAL PRINCIPAL AMOUNT OF 23, 2012 at 10:00 AM MORTGAGE: $291,500.00 PLACE OF SALE:Sheriff's Office, Law AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUD- Enforcement Center, 1580 Hwy 55, ING TAXES, IF ANY, PAID BY MORT- Lobby #S-100, Hastings, MN to pay the debt then secured by said GAGEE: $289,566.78 That prior to the commencement of Mortgage, and taxes, if any, on said this mortgage foreclosure proceeding premises, and the costs and disburseMortgagee/Assignee of Mortgagee com- 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 plied with all notice requirements as allowed by law subject to redemption required by statute; That no action or within six (6) months from the date of proceeding has been instituted at law said sale by the mortgagor(s), their 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 personal representatives or assigns secured by said mortgage, or any part unless reduced to Five (5) weeks under thereof; PURSUANT to the power of sale con- ��

PUBLIC NOTICE

�� THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, �� 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, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINAN CIAL 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 27, 2011. U.S. Bank National Association 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 19-3002 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2868544 1/5-2/9/12

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 9, 2006 MORTGAGORS: Roberto O. Hernandez and Maria C. Hernandez, husband and wife. MORTGAGEE: A r g e n t M o r t g a g e Company, LLC. DATE AND PLACE OF RECORDING: Recorded September 7, 2006, Dakota County Recorder, Document No. 2459100. 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-AMC1. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Argent Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: American Home Mortgage Servicing, Inc MORTGAGED PROPERTY ADDRESS: 148 Richmond Street East, South Saint Paul, MN 55075 TAX PARCEL I.D. #: 367150003034 LEGAL DESCRIPTION OF PROPERTY: Lot 3 and the West 1/2 of Lot 2, Block 34, Spring Park 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: $217,256.47 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, 2012 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, 2012 unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR

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, 2011. U.S. Bank, National Association, as Trustee 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 40-3220 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2867772 1/5-2/9/12

PUBLIC NOTICE

NOTICE OF INFORMAL APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS (TESTATE) STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT PROBATE DIVISION FIRST JUDICIAL DISTRICT Court File No. 19HA-PR-12-48 Estate of: Thomas David Olson, a/k/a Thomas D. Olson, a/k/a Thomas Olson, Decedent. Notice is given that an application for informal probate of the above named Decedent’s last will dated June 13, 1984 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, and the same will be heard by the Court upon notice of hearing fixed for such purpose. Notice is also given that the Registrar has informally appointed Gregory D. Olson, whose address is 2195 E 67th, Inver Grove Heights, MN 55077, 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 and 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 further given that (subject to Minn. Stat. 524.3-801) ALL CREDITORS having claims against the Estate are required to present said claim(s) 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: 1/19/12 Heidi Carstensen Registrar Carolyn M. Renn Court Administrator Attorney for Personal Representative: Michael A. Rozman, Esq. (#240540) 800 Washington Avenue North Suite 502 Minneapolis, MN 55401 Telephone: 612-333-3155 FAX: 612-333-3161 2886154 1/26-2/2/12

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 ASSIGNMENTS OF MORTGAGE: And assigned to: Aurora Loan Services, LLC Dated: August 26, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100092047103769210 Lender or Broker: Webster Bank, N.A. Residential Mortgage Servicer: Aurora Bank, FSB 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 Half of the Northeast Quarter of Section 24, Township 113, Range 18, according to the United States Government Survey thereof and situate in Dakota County, Minnesota.

Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $523,882.05 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 17, 2012 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 18, 2013, or the next business day if February 18, 2013 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 05, 2012 ASSIGNEE OF MORTGAGEE: Aurora Loan Services, LLC Wilford, Geske & Cook 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: 010556F02 2867788 1/5-2/9/12

PUBLIC NOTICE

NOTICE OF INFORMAL 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-12-60 Estate of Bernice Emily Perron, Decedent Notice is given that an application for informal probate of the Decedent’s will dated April 7, 2009, has been filed with the Registrar. The application has been granted. Notice is also given that the Registrar has informally appointed Joan Perron whose address is PO Box 50647, Mendota, MN 55150 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. 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. A charitable beneficiary may request notice of the probate proceedings be given to the Attorney General pursuant to Minn. Stat. 501B.41, subd. 5. Dated: 1/20/12 Heidi Carstensen Registrar Carolyn M. Renn Court Administrator Attorney for Applicant Thomas R. Lehmann Lehmann & Lutter, P.A. 2113 Cliff Drive Eagan, MN 55122Attorney License No: 184226 Telephone: 651-452-6693 FAX: 651-452-8316 2888716 1/26-2/2/12

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 Court File No. 19HA-PR-12-36 In Re: Estate of DOLORES C. BROBACK, Deceased. Notice is given that an application for informal probate of Decedent’s will dated November 3, 2009 (“Will”), has been filed with the court. The application has been granted. Notice is also given that the Court has informally appointed Steven S. Broback, whose address is 9860 Arkansas Path, Inver Grove Heights, MN 55077, and Nancy L. Broback, whose address is 304 Crystal Lake Circle, Burnsville, MN 55306, as Personal Representatives 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 Representatives. Unless objections are filed with the Court (pursuant to Minn. Stat. § 524.3-607) and the Court otherwise orders, the Personal Representatives h a v e full power t o a d m i n i s t e r th e 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 Representatives 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. Stat. § 524.3-801) all creditors having claims against the Estate are required to present the claims to the Personal Representatives or to the Court Administrator within four months after the date of this Notice or the claims will be barred. Date: 1/16/12 Heidi Carstensen Registrar Carolyn M. Renn Court Administrator Attorney for Personal Representatives John A. Burton (MN ID 13602) Best & Flanagan LLP 225 South Sixth Street, Suite 4000 Minneapolis, MN 55402-4690 Telephone: (612) 339-7121 Facsimile: (612) 339-5897 e-mail: jburton@bestlaw.com 2888485 1/26-2/2/12

PUBLIC NOTICE

mises and the costs and disburse ments allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is 6.00 months from the date of sale. If 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 21, 2012, or the next business day if August 21, 2012 falls on a Saturday, Sunday or legal holiday. "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, 2012 DEUTSCHE BANK NATIONAL TRUST COMPANY, as Trustee for the registered holders of MORGAN STANLEY ABS CAPITAL I INC. TRUST 2007-HE7 MORTGAGE PASS-THROUGH CERTIFICATES,SERIES 2007-HE7 Randall S. Miller & Associates, PLLC 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. 11MN00724-1 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. ASAP# 4165698 01/05/2012, 01/12/2012, 01/19/2012, 01/26/2012, 02/02/2012, 02/09/2012 2867835 1/5-2/9/12

PUBLIC NOTICE

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: December 28, 2011. PNC Bank, National Association 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 4-2686 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2868434 1/5-2/9/12

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 30, 2008 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $371,500.00 MORTGAGOR(S): Van T. Truong and Tuan Richard Schneider, wife an d husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: January 09, 2009 Dakota County Recorder Document Number: 2630410 ASSIGNMENTS OF MORTGAGE: And assigned to: MetLife Home Loans, a division of MetLife Bank, N.A. Dated: November 02, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100162500021898367 Lender or Broker: One Mortgage, LLC Residential Mortgage Servicer: MetLife Home Loans Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 3644 Clare Downs Path, Rosemount, MN 55068-4596 Tax Parcel ID Number: 34-25115-02-020 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 2, Evermoor Clare Downs, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $380,182.87 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 17, 2012 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 17, 2012, or the next business day if August 17, 2012 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 05, 2012 ASSIGNEE OF MORTGAGEE: MetLife Home Loans, a division of MetLife Bank, N.A. Wilford, Geske & Cook 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: 020437F01 2867848 1/5-2/9/12

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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, 2008 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $230,433.00 MORTGAGOR(S): Howard K. Sewell, married MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for Countrywide Bank, FSB., its successors and assigns DATE AND PLACE OF RECORDING: Recorded: July 23, 2008 Dakota County Recorder Document Number: 2604117 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING LP Dated: May 10, 2011 Recorded: June 03, 2011 Dakota County Recorder Document Number: 2803690 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1001337-0003280641-9 Lender or Broker: Countrywide Bank, FSB Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 17139 Eagleview Way, Farmington, MN 55024-7305 Tax Parcel ID Number: 22-44076-15-068 LEGAL DESCRIPTION OF PROPERTY: Unit No. 68, CIC No. 330, Lake Place, a condominium located in Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $251,858.43 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 09, 2012 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 10, 2012, or the next business day if September 10, 2012 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 26, 2012 ASSIGNEE OF MORTGAGEE: BANK OF AMERICA, N.A. successor by merger to BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING LP Wilford, Geske & Cook 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: 023832F01 2888408 1/26-3/1/12

PUBLIC NOTICE

Registered October 28, 2003, Dakota County Registrar of Titles, Document No. 0519473, Certificate of Title No. 102003. 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: U.S. Bank National Association RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 12309 Oak Leaf Court, Burnsville, MN 55337 T A X P A R C E L I . D . # : 02-53701-01-330 LEGAL DESCRIPTION OF PROPERTY: Lot 33, Block 1, Oak Leaf Plat Two. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $94,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $85,954.18 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, 2012 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, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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 23, 2011. U.S. Bank National Association 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 19-3103 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2868351 1/5-2/9/12

PUBLIC NOTICE

10351 Rich Valley Boulevard, Inver Grove Heights, MN 55077 TAX PARCEL I.D. #: 200290004010 LEGAL DESCRIPTION OF PROPERTY: That part of the South One-half of the Northeast quarter (S 1/2 of NE 1/4) of Section Twentynine (29), Township Twenty-seven (27) North, Range Twenty-two (22) West, Dakota County, Minnesota, described as beginning at a point on the West line of said South One-half of Northeast Quarter (S 1/2 NE 1/4) distant 716.25 feet North of the Southwest corner thereof; thence continuing North along said West line a distance of 581.15 feet to the center line of Dakota County Road No. 71, as now traveled; thence South 21° 00’ East along said center line a distance of 534.8 feet; thence South 66° 52’ West a distance of 208.4 feet to the point of beginning. Subject to an Easement for road purposes over the Easterly 33 feet. Containing 2.16 acres. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $226,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $237,711.41 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, 2012 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, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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: December 22, 2011. U.S. Bank National Association 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 19-3168 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2867851 1/5-2/9/12

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 03, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $171,200.00 MORTGAGOR(S): Krystal Thomas, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for First Franklin a division of National City Bank, its successors and assigns DATE AND PLACE OF RECORDING: Recorded: December 13, 2006 Dakota County Recorder Document Number: 2481531 ASSIGNMENTS OF MORTGAGE: And assigned to: The Bank of New York Mellon, as indenture trustee, on behalf of the holders of the CSMC Trust 2010-16 Mortgage-Backed Notes and Certificates, Series 2010-16 Dated: December 16, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100425240010909080 Lender or Broker: First Franklin a division of National City Bank Residential Mortgage Servicer: Select Portfolio Servicing Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota

LOCATED: Dakota Property Address: 1883 Deer Hills Trl, Eagan, MN 55122-2284 Tax Parcel ID Number: 10-72977-01-042 LEGAL DESCRIPTION OF PROPERTY: The Southeasterly 44.4 feet of Lot 4, Block 1, Sun Cliff Third Addition, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $187,908.06 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 17, 2012 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 17, 2012, or the next business day if August 17, 2012 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 05, 2012 ASSIGNEE OF MORTGAGEE: The Bank of New York Mellon, as indenture trustee, on behalf of the holders of the CSMC Trust 2010-16 Mortgage-Backed Notes and Certificates, Series 2010-16 Wilford, Geske & Cook 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: 023205F01 2868043 1/5-2/9/12

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, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $438,350.00 MORTGAGOR(S): Justin D. Wanda and Florence Wanda, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: September 16, 2003 Dakota County Recorder Document Number: 2110634 ASSIGNMENTS OF MORTGAGE: And assigned to: HSBC Bank USA, National Association as Trustee for Deutsche Alt-A Securities, Inc., Mortgage Loan Trust, Series 2003-4XS Dated: August 31, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100020410000119573 Lender or Broker: CH Mortgage Company I, Ltd. Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 16141 Hominy Ct, Lakeville, MN 55044-4448 Tax Parcel ID Number: 22-81750-08-150 LEGAL DESCRIPTION OF PROPERTY: Lot 15, Block 8, Vermillion Springs, according to the recorded plat thereof, and situate in Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $428,719.75 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 17, 2012 at 10:00 AM PLACE OF SALE: Dakota County

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�� next business the �� County�� 2012, or �� Dakota PLACE OF SALE: August 17,�� Law Enforcement Center, 1580 High- day if August 17, 2012 falls on a Saturway 55, Lobby S-100, Hastings, Minne- day, Sunday or legal holiday. Mortgagor(s) released from financial sota to pay the debt secured by said mort- obligation: NONE gage and taxes, if any, on said preTHIS COMMUNICATION IS FROM mises and the costs and disburse- A DEBT COLLECTOR ATTEMPTments, including attorney fees allowed ING TO COLLECT A DEBT. ANY by law, subject to redemption within INFORMATION OBTAINED WILL BE six (6) months from the date of said USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF sale by the mortgagor(s), their perTHE DEBT AND IDENTITY OF THE sonal representatives or assigns. If the Mortgage is not reinstated ORIGINAL CREDITOR WITHIN THE under Minn. Stat. §580.30 or the prop- T I M E P R O V I D E D B Y L A W I S N O T erty is not redeemed under Minn. Stat. AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on REDEMPTION BY THE MORTGAGOR, August 17, 2012, or the next business THE MORTGAGOR'S PERSONAL REPday if August 17, 2012 falls on a Satur- RESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDIday, Sunday or legal holiday. Mortgagor(s) released from financial CIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION obligation: NONE THIS COMMUNICATION IS 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 ATTEMPT- OTHER THINGS, THAT THE MORTING TO COLLECT A DEBT. ANY GAGED PREMISES ARE IMPROVED INFORMATION OBTAINED WILL BE WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF PROPERTY USED IN AGRICULTURAL THE DEBT AND IDENTITY OF THE PRODUCTION, AND ARE ABANDONED. DATED: January 05, 2012 ORIGINAL CREDITOR WITHIN THE ASSIGNEE OF MORTGAGEE: TIME PROVIDED BY LAW IS NOT THE BANK OF NEW YORK AFFECTED BY THIS ACTION. MELLON FKA THE BANK OF NEW THE TIME ALLOWED BY LAW FOR YORK, AS TRUSTEE FOR THE REDEMPTION BY THE MORTGAGOR, CERTIFICATEHOLDERS OF THE MORTGAGOR'S PERSONAL REPCWALT, INC., ALTERNATIVE RESENTATIVES OR ASSIGNS, MAY BE LOAN TRUST 2005-80CB, REDUCED TO FIVE WEEKS IF A JUDIMORTGAGE PASS-THROUGH CIAL ORDER IS ENTERED UNDER CERTIFICATES, SERIES MINNESOTA STATUTES, SECTION 2005-80CB 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORT- Wilford, Geske & Cook P.A. GAGED PREMISES ARE IMPROVED Attorneys for Assignee of Mortgagee WITH A RESIDENTIAL DWELLING OF Lawrence A. Wilford LESS THAN FIVE UNITS, ARE NOT James A. Geske PROPERTY USED IN AGRICULTURAL 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 PRODUCTION, AND ARE ABANDONED. (651) 209-3300 DATED: January 05, 2012 A S S I G N E E O F M O R T G A G E E : File Number: 014571F02 2867784 1/5-2/9/12 HSBC Bank USA, National Association as Trustee for Deutsche Alt-A Securities, Inc., Mortgage Loan Trust, Series NOTICE OF MORTGAGE 2003-4XS FORECLOSURE SALE Wilford, Geske & Cook P.A. THE RIGHT TO VERIFICATION Attorneys for Assignee of Mortgagee OF THE DEBT AND IDENTITY OF Lawrence A. Wilford THE ORIGINAL CREDITOR WITHIN James A. Geske THE TIME PROVIDED BY LAW IS 8425 Seasons Parkway, Suite 105 NOT AFFECTED BY THIS ACTION. Woodbury, MN 55125-4393 NOTICE IS HEREBY GIVEN, that (651) 209-3300 default has occurred in conditions of File Number: 021488F01 2867803 1/5-2/9/12 the following described mortgage: DATE OF MORTGAGE: A u g u s t 2 4 , 2009 MORTGAGORS: Russell G. Rohloff and Lisa A. Rohloff, Husband and Wife. NOTICE OF MORTGAGE MORTGAGEE: Mortgage Electronic 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 Registration Systems, Inc.. DATE AND PLACE OF RECORDING: default has occurred in the conditions Registered November 5, 2009, of the following described mortgage: DATE OF MORTGAGE: November 30, Dakota County Registrar of Titles, Document No. T653564, Certificate of 2005 ORIGINAL PRINCIPAL AMOUNT OF Title No. 123365. ASSIGNMENTS OF MORTGAGE: MORTGAGE: $161,600.00 Assigned to: U.S. Bank National MORTGAGOR(S): Tracy A. Pearson, a Association. single person Said Mortgage being Registered MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee Land. TRANSACTION AGENT: Mortgage for Citizens State Bank, its succesElectronic Registration Systems, Inc. sors and assigns TRANSACTION AGENT'S MORTDATE AND PLACE OF RECORDING: R e c o r d e d : D e c e m b e r 1 4 , 2 0 0 5 GAGE IDENTIFICATION NUMBER ON MORTGAGE: 100021278810699251 Dakota County Recorder LENDER OR BROKER AND MORTDocument Number: 2388633 GAGE ORIGINATOR STATED ON ASSIGNMENTS OF MORTGAGE: And assigned to: THE BANK OF NEW M O R T G A G E : U . S . B a n k N a t i o n a l YORK MELLON FKA THE BANK OF Association RESIDENTIAL MORTGAGE SERNEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWALT, INC., VICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: ALTERNATIVE LOAN TRUST 2 0 0 5 - 8 0 C B , M O R T G A G E 3331 Cory Lane, Hastings, MN 55033 TAX PARCEL I.D. #: 197320601100 PASS-THROUGH CERTIFICATES, LEGAL DESCRIPTION OF PROPSERIES 2005-80CB ERTY: Dated: January 13, 2010 Lot 10, Block 1, Sunny Acres 7, Recorded: January 21, 2010 Dakota Common Interest Community NumCounty Recorder ber 231, A Planned Community Document Number: 2709121 located in the county of Dakota, Transaction Agent: Mortgage ElecState of Minnesota and According to tronic Registration Systems, Inc. the recorded plat thereof. Transaction Agent Mortgage IdentifiCOUNTY IN WHICH PROPERTY IS cation Number: 100226700000063777 Lender or Broker: Citizens State LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF Bank Residential Mortgage Servicer: Bank MORTGAGE: $139,089.00 AMOUNT DUE AND CLAIMED TO BE of America, N.A. DUE AS OF DATE OF NOTICE, INCLUDMortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS ING TAXES, IF ANY, PAID BY MORTGAGEE: $142,849.62 LOCATED: Dakota That prior to the commencement of Property Address: 363 Upper Wood this mortgage foreclosure proceeding Way, Burnsville, MN 55337-5731 T a x P a r c e l I D N u m b e r : Mortgagee/Assignee of Mortgagee complied with all notice requirements as 02-84812-03-090 L E G A L D E S C R I P T I O N O F P R O P - required by statute; That no action or ERTY: Lot 9, Block 3, Wood Park Plat proceeding has been instituted at law or otherwise to recover the debt Thirteen, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE secured by said mortgage, or any part D U E A S O F D A T E O F N O T I C E : thereof; PURSUANT to the power of sale con$195,659.58 THAT all pre-foreclosure require- tained in said mortgage, the above ments have been complied with; that described property will be sold by the no action or proceeding has been insti- Sheriff of said county as follows: DATE AND TIME OF SALE: February tuted at law or otherwise to recover the debt secured by said mortgage, or any 23, 2012 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law part thereof; PURSUANT to the power of sale con- Enforcement Center, 1580 Hwy 55, t a i n e d i n s a i d m o r t g a g e , t h e Lobby #S-100, Hastings, MN above-described property will be sold to pay the debt then secured by said by the Sheriff of said county as fol- Mortgage, and taxes, if any, on said premises, and the costs and disburselows: DATE AND TIME OF SALE: February 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 17, 2012 at 10:00 AM PLACE OF SALE: Dakota County within six (6) months from the date of Law Enforcement Center, 1580 High- said sale by the mortgagor(s), their way 55, Lobby S-100, Hastings, Minne- personal representatives or assigns unless reduced to Five (5) weeks under sota to pay the debt secured by said mort- MN Stat. §580.07. TIME AND DATE TO VACATE PROPgage and taxes, if any, on said premises and the costs and disburse- E R T Y : I f t h e r e a l e s t a t e i s a n ments, including attorney fees allowed owner-occupied, single-family dwellby law, subject to redemption within ing, unless otherwise provided by law, six (6) months from the date of said the date on or before which the mortsale by the mortgagor(s), their per- gagor(s) must vacate the property if the mortgage is not reinstated under secsonal representatives or assigns. If the Mortgage is not reinstated tion 580.30 or the property is not under Minn. Stat. §580.30 or the prop- redeemed under section 580.23 is erty is not redeemed under Minn. Stat. 11:59 p.m. on August 23, 2012, unless §580.23, the Mortgagor must vacate the redemption period is reduced to 5 the property on or before 11:59 p.m. on August 17, 2012, or the next business ��

PUBLIC NOTICE

�� ABANDONED. �� Dated: December 22, 2011. �� the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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 27, 2011. U.S. Bank National Association 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 19-3053 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2868566 1/5-2/9/12

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 23, 2007 MORTGAGORS: Susan C.R. Gunderson and Kent Richard Gunderson, aka Kent R. Gunderson, wife and husband. MORTGAGEE: PNC Bank, National Association, s/b/m to National City Mortgage a division of National City Bank. DATE AND PLACE OF RECORDING: Recorded June 7, 2007, Dakota County Recorder, Document No. 2522577. 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: National City Mortgage a division of National City Bank RESIDENTIAL MORTGAGE SERVICER: PNC Bank, National Association MORTGAGED PROPERTY ADDRESS: 104 Geneva Boulevard, Burnsville, MN 55306 TAX PARCEL I.D. #: 023652503080 LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 3, Interlachen Woods, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $417,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $425,986.14 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, 2012 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, 2012 unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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."

PNC Bank, National Association 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 4-2821 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2868407 1/5-2/9/12

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 6 , 2008 MORTGAGORS: Sunil Ramlall and Dhanmati Ramlall, Wife and Husband. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded March 18, 2008, Dakota County Recorder, Document No. 2578358. ASSIGNMENTS OF MORTGAGE: Assigned to: JPMorgan Chase Bank, National Association s/b/m to Chase Home Finance LLC. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100020410001825160 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: DHI Mortgage Company Limited Partnership RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 14233 Avalon Path, Rosemount, MN 55068 TAX PARCEL I.D. #: 341470310804 LEGAL DESCRIPTION OF PROPERTY: Unit Number 0804, Bloomfield Quad Townhomes, Common Interest Community Number 367, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $175,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $190,057.61 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 15, 2012 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 17, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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 16, 2012. JPMorgan Chase Bank, National Association 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 30-10695 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2889108 1/26-3/1/12

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 18, 2002 MORTGAGORS: Anita L. Rockwell and Thomas J. Rockwell, Wife and Husband. MORTGAGEE:Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered April 23, 2003, Dakota County Registrar of Titles, Document No. 496794, Certificate of Title No. 103431. ASSIGNMENTS OF MORTGAGE: Assigned to: JPMorgan Chase Bank, National Association s/b/m to Chase Home Finance LLC. Said Mortgage being Registered Land. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100162500039170783 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Frontier Financial, Inc. RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 871 Betty Lane, Eagan, MN 55123 TAX PARCEL I.D. #: 106310003001 LEGAL DESCRIPTION OF PROPERTY: Lot Three (3), Block One (1), Red Oaks COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $300,700.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $181,479.53 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: March 8, 2012 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 twelve (12) 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 8, 2013, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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, 2012. JPMorgan Chase Bank, National Association 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 30-10257 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2882908 1/19-2/23/12

PUBLIC NOTICE

DATE AND PLACE OF RECORDING: Recorded August 8, 2003, Dakota County Recorder, Document No. 2091349. ASSIGNMENTS OF MORTGAGE: Assigned to: TCF Mortgage Corporation. And thereafter assigned to: Mortgage Electronic Registration Systems, Inc. And thereafter assigned to: U.S. Bank National Association. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Residential Mortgage Group, Inc. RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 422 West 4th Street, Hastings, MN 55033 TAX PARCEL I.D. #: 193215024050 LEGAL DESCRIPTION OF PROPERTY: Lot Five (5), Block Twenty-four (24), Town of Hastings, according to the recorded plat thereof, and situate in Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $173,130.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE:$ 156,175.31 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, 2012 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, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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 27, 2011. U.S. Bank National Association 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 19-2773 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2868607 1/5-2/9/12

PUBLIC NOTICE

T A X P A R C E L I . D . # : 22-82052-01-140 LEGAL DESCRIPTION OF PROPERTY: Lot 14, Block 1, Village Creek 3rd Addition, CIC No. 346, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $202,998.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $205,969.21 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: February 23, 2012 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, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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 27, 2011. U.S. Bank National Association 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 19-3208 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2868580 1/5-2/9/12

PUBLIC NOTICE

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 16, 2012 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, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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 20, 2011. U.S. Bank National Association 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 19-3263 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2868517 1/5-2/9/12

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 17, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $132,000.00 MORTGAGOR(S): Wendy Peterson, a single woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for First Franklin a Division of National City Bank, its successors and assigns DATE AND PLACE OF RECORDING: Recorded: January 18, 2007 Dakota County Recorder Document Number: 2489054 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. BANK, N.A., SUCCESSOR TRUSTEE TO BANK OF AMERICA, N.A., AS SUCCESSOR TRUSTEE TO LASALLE BANK, N.A., AS TRUSTEE FOR THE HOLDERS OF THE MERRILL LYNCH FIRST FRANKLIN MORTGAGE LOAN TRUST, MORTGAGE LOAN ASSET- BACKED CERTIFICATES, SERIES 2007-FF1 Dated: December 16, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100425240011390868 Lender or Broker: First Franklin a Division of National City Bank Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 2005 Southcross Dr W Apt 1005, Burnsville, MN 55306-4990 Tax Parcel ID Number: 02.71216.05.005 LEGAL DESCRIPTION OF PROPERTY: Unit No. 1005, Condominium No. 115, Southcross Village Condominium, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $138,765.32 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 17, 2012 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.

��

erty is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 17, 2012, or the next business day if August 17, 2012 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 05, 2012 ASSIGNEE OF MORTGAGEE: U.S. BANK, N.A., SUCCESSOR TRUSTEE TO BANK OF AMERICA, N.A., AS SUCCESSOR TRUSTEE TO LASALLE BANK, N.A., AS TRUSTEE FOR THE HOLDERS OF THE MERRILL LYNCH FIRST FRANKLIN MORTGAGE LOAN TRUST, MORTGAGE LOAN ASSET- BACKED CERTIFICATES, SERIES 2007-FF1 Wilford, Geske & Cook 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: 021974F01 2867780 1/5-2/9/12

PUBLIC NOTICE

582.032. 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, 2011. Aurora Bank FSB 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 98-1229 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2868382 1/5-2/9/12

PUBLIC NOTICE

NOTICE OF ASSESSMENT LIEN FORECLOSURE SALE Date: December 21, 2011 YOU ARE NOTIFIED THAT: 1. Default has occurred in the terms and conditions of the Declaration for Prairie Crossing Villas Association (hereinafter the "Association") which was recorded as Document No. 1487290, in the Office of the County Recorder of Dakota County, Minnesota, as amended, and also, pursuant to Minn. Stat. '515B.3-116, covering the following property: Unit No. LEGAL DESCRIPTION: 89, CIC #241, Prairie Crossing Villas, Dakota County, Minnesota STREET ADDRESS: 15152 Dunwood Trail, Apple Valley, MN 55124 T A X P A R C E L I D N O . 01-76900-06-089 2. Pursuant to said Declaration, there is claimed to be due and owing as of December 21, 2011, from Ramon M. Lopez and Tracy Lopez, title holders, to the Association, a Minnesota non-profit corporation, the amount of $7,734.00 for unpaid association dues, late fees, attorneys' fees and costs, plus any other such amounts that will accrue after December 21, 2011, including reasonable attorneys' fees and 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. T h e o w n e r s h a v e n o t b e e n released from the owners' financial obligation to pay said amount. 6. The Declaration, referenced above, and Minn. Stat. §§515B.3-115 and 515B.3-116 provide for a continuing lien against the property. A Notice of Lien evidencing the amount due was recorded on July 9, 2010, as Document No. 2739774 in the Dakota County Recorder's Office. 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 and pursuant to Minn. Stat. §§515B.3-115 and 515B.3-116, 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 1st day of March, 2012, 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. 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 owners, their 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 3, 2012, if the account is not reinstated or the owners do not redeem from the foreclosure sale. REDEMPTION NOTICE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGORS, THE MORTGAGORS' 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. PRAIRIE CROSSING VILLAS ASSOCIATION Attorneys for Prairie Crossing Villas Association THOMSEN & NYBECK, P.A. By: Gretchen S. Schellhas (#195595) 3600 American Blvd. West, Suite 400 Bloomington, Minnesota 55431 (952) 835-7000 (Prairie Crossing Villas/Lopez/10-7-067D) 2873822 1/12-2/16/12

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 3 1 , 1998 MORTGAGORS: Jeffrey R. Wiegand and Carolyn M. Wiegand, husband and wife. MORTGAGEE: D i s c o v e r M o r t g a g e Corporation. DATE AND PLACE OF RECORDING: Recorded May 19, 1998, Dakota County Recorder, Document No. 1501604. ASSIGNMENTS OF MORTGAGE: Assigned to: Standard Federal Bank. And thereafter assigned to: CitiMortgage, Inc.. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Discover Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 8724 Highwood Way, Apple Valley, MN 55124 T A X P A R C E L I . D . # : 01-33901-030-01 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 1, Hunters Wood Second Addition. Dakota County 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: $132,190.15 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 15, 2012 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 17, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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, 2012. CitiMortgage, Inc. 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 10-6822 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2882806 1/19-2/23/12

PUBLIC NOTICE

DATE AND PLACE OF RECORDING: Recorded October 20, 2006, Dakota County Recorder, Document No. 2469912. ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank National Association. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100021268000682415 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Bankers Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 18510 Duluth Street, Farmington, MN 55024 TAX PARCEL I.D. #: 146405006006 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 6, Riverbend according to the recorded plat thereof and situate in Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $348,747.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $372,882.28 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, 2012 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, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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 20, 2011. U.S. Bank National Association 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 19-3042 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2867860 1/5-2/9/12

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, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $160,000.00 MORTGAGOR(S): Oksana Mironov FKA Oksana Afanasyev and Dmitri Mironov, wife and husband MORTGAGEE: Bank of America, N.A. DATE AND PLACE OF RECORDING: Recorded: November 29, 2006 Dakota County Recorder Document Number: 2478263 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Bank of America, N.A. Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 20601 Claire Ct, Farmington, MN 55024-1471 Tax Parcel ID Number: 14-48703-05-091 LEGAL DESCRIPTION OF PROPERTY: Unit No. 91, CIC No. 319, a Condominium, Middle Creek Condominium, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $154,608.21 THAT all pre-foreclosure require-

��

�� require�� foreclosure M o r t g a g e�� e / A s s i g n�� e e o�� f Mortgagee THAT all pre�� ments have been complied with; that complied with all notice requirements no action or proceeding has been insti- as required by statute; That no action tuted at law or otherwise to recover the or proceeding has been instituted at debt secured by said mortgage, or any law or otherwise to recover the debt secured by said mortgage, or any part part thereof; PURSUANT to the power of sale con- thereof; PURSUANT to the power of sale tained in said mortgage, the above-described property will be sold contained in said mortgage, the above by the Sheriff of said county as fol- described property will be sold by the Sheriff of said county as follows: lows: DATE AND TIME OF SALE: March 1 DATE AND TIME OF SALE: February , 2012 at 10:00 AM 24, 2012 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law PLACE OF SALE: Dakota County Law Enforcement Center, 1580 High- Enforcement Center, 1580 Hwy 55, way 55, Lobby S-100, Hastings, Minne- Lobby #S-100, Hastings, MN to pay the debt then secured by said sota to pay the debt secured by said mort- Mortgage, and taxes, if any, on said gage and taxes, if any, on said pre- p r e m i s e s , a n d t h e c o s t s a n d mises and the costs and disburse- disbursements, including attorneys' ments, including attorney fees allowed f e e s a l l o w e d b y l a w s u b j e c t t o by law, subject to redemption within redemption within six (6) months from six (6) months from the date of said t h e d a t e o f s a i d s a l e b y t h e sale by the mortgagor(s), their per- m o r t g a g o r ( s ) , t h e i r p e r s o n a l representatives or assigns unless sonal representatives or assigns. If the Mortgage is not reinstated reduced to Five (5) weeks under MN under Minn. Stat. §580.30 or the prop- Stat. §580.07. TIME AND DATE TO VACATE erty is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate PROPERTY: If the real estate is an the property on or before 11:59 p.m. on o w n e r - o c c u p i e d , s i n g l e - f a m i l y August 24, 2012, or the next business dwelling, unless otherwise provided by day if August 24, 2012 falls on a Satur- law, the date on or before which the mortgagor(s) must vacate the property day, Sunday or legal holiday. Mortgagor(s) released from financial if the mortgage is not reinstated under section 580.30 or the property is not obligation: NONE THIS COMMUNICATION IS FROM redeemed under section 580.23 is A DEBT COLLECTOR ATTEMPT- 1 1 : 5 9 p . m . o n _ _ S e p t e m b e r 4 , ING TO COLLECT A DEBT. ANY 2012____________________, unless the INFORMATION OBTAINED WILL BE redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF 582.032. MORTGAGOR(S) RELEASED FROM THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE F I N A N C I A L O B L I G A T I O N O N T I M E P R O V I D E D B Y L A W I S N O T MORTGAGE: None "THE TIME ALLOWED BY LAW FOR AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, REDEMPTION BY THE MORTGAGOR, T H E M O R T G A G O R ' S P E R S O N A L THE MORTGAGOR'S PERSONAL REP- REPRESENTATIVES OR ASSIGNS, RESENTATIVES OR ASSIGNS, MAY BE MAY BE REDUCED TO FIVE WEEKS IF REDUCED TO FIVE WEEKS IF A JUDI- A J U D I C I A L O R D E R I S E N T E R E D CIAL ORDER IS ENTERED UNDER U N D E R M I N N E S O T A S T A T U T E S , MINNESOTA STATUTES, SECTION SECTION 582.032, DETERMINING, 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G AMONG OTHER THINGS, THAT THE OTHER THINGS, THAT THE MORT- M O R T G A G E D P R E M I S E S A R E GAGED PREMISES ARE IMPROVED I M P R O V E D W I T H A R E S I D E N T I A L WITH A RESIDENTIAL DWELLING OF D W E L L I N G O F L E S S T H A N F I V E LESS THAN FIVE UNITS, ARE NOT UNITS, ARE NOT PROPERTY USED IN PROPERTY USED IN AGRICULTURAL AGRICULTURAL PRODUCTION, AND ARE ABANDONED." PRODUCTION, AND ARE ABANDONED. Dated: January 3, 2012. DATED: January 12, 2012 CitiMortgage, Inc. MORTGAGEE: Bank of America, Mortgagee/Assignee of Mortgagee N.A., as successor by merger to USSET, WEINGARDEN AND LIEBO, P.L.L.P. BAC Home Loans Servicing, LP Attorneys for Mortgagee/Assignee of Wilford, Geske & Cook P.A. Mortgagee Attorneys for Mortgagee 4500 Park Glen Road #300 Lawrence A. Wilford Minneapolis, MN 55416 James A. Geske (952) 925-6888 8425 Seasons Parkway, Suite 105 10-4004 Woodbury, MN 55125-4393 THIS IS A COMMUNICATION FROM (651) 209-3300 A DEBT COLLECTOR. File Number: 023537F01 1/12-2/16/12 2873707 1/12-2/16/12 2875056

PUBLIC NOTICE PUBLIC NOTICE

��

�� FINANCIAL �� OBLIGATION GAGE: None �� 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 4, 2012_____________________, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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 3, 2012. CitiMortgage, Inc. 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 10-3997 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2875024 1/12-2/16/12

PUBLIC NOTICE

ON MORT

"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 3, 2012. CitiMortgage, Inc. 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 10-6764 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2875033 1/12-2/16/12

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 05, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $212,000.00 MORTGAGOR(S): Herbert F. Jellum, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for Prime Mortgage Corporation, its successors and assigns DATE AND PLACE OF RECORDING: Recorded: May 30, 2006 Dakota County Recorder Document Number: 2433271 ASSIGNMENTS OF MORTGAGE: And assigned to: Nationstar Mortgage, LLC Dated: December 19, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100103210000133321 Lender or Broker: Prime Mortgage Corporation Residential Mortgage Servicer: Nationstar Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 17366 Ithaca Ct, Lakeville, MN 55044-8742 Tax Parcel ID Number: 22-13201-04-080 LEGAL DESCRIPTION OF PROPERTY: Lot Eight (8), Block Four (4), Barrett Second Addition, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $205,844.94 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 02, 2012 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, 2012, or the next business day if September 04, 2012 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 19, 2012 ASSIGNEE OF MORTGAGEE: Nationstar Mortgage, LLC Wilford, Geske & Cook 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: 023372F01 2876975 1/19-2/23/12

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 20, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $104,000.00 MORTGAGOR(S): Julie K. Kervina A Single Person MORTGAGEE: Argent Mortgage Company, LLC SERVICER: Ocwen Loan Servicing, LLC LENDER: Argent Mortgage Company, LLC. DATE AND PLACE OF FILING: Dakota County Minnesota, Recorder , on September 16, 2004, as Document No. 2248185. ASSIGNED TO: WELLS FARGO BANK, N.A., as Trustee POOLING AND SERVICING AGREEMENT Dated as of October 1, 2004 Asset-Backed Pass-Through Certificates Series 2004-MHQ1 Dated: August 25, 2004 , and recorded December 15, 2011 by Document No. 2836847 . LEGAL DESCRIPTION OF PROPERTY: Lot 9, Block 2, Broback Third Addition to the City of Rosemount, Dakota County, Minnesota. PROPERTY ADDRESS: 4212 147th Street West, Rosemount, MN 55068 PROPERTY I.D: 341520202090 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: Ninety-Nine Thousand Eight Hundred Twenty-Four and 14/100 ($99,824.14) 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 13, 2012 PLACE OF SALE: Sheriff`s Main 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 6.00 months from the date of sale. If 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 13, 2012, or the next business day if September 13, 2012 falls on a Saturday, Sunday or legal holiday. "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 26, 2012 WELLS FARGO BANK, N.A., as Trustee POOLING AND SERVICING AGREEMENT Dated as of October 1, 2004 Asset-Backed Pass-Through Certificates Series 2004-MHQ1 Randall S. Miller & Associates, PLLC 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. 11MN00725-1 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. ASAP# 4178398 01/26/2012, 02/02/2012, 02/09/2012, 02/16/2012, 02/23/2012, 03/01/2012 2885542 1/26-3/1/12

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, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $137,120.00 MORTGAGOR(S): Kristopher L. Kruger and Lisa A. Kruger, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for Timberland Mortgage Services, Inc. its successors and assigns DATE AND PLACE OF RECORDING: Recorded: July 26, 2005 Dakota County Recorder Document Number: 2343955 ASSIGNMENTS OF MORTGAGE: And assigned to: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWALT, INC., ALTERNATIVE LOAN TRUST

INC., ALTERNATIVE LOAN TRUST 2 0 0 5 - 4 7 C B , M O R T G A G E PASS-THROUGH CERTIFICATES, SERIES 2005-47CB Dated: July 01, 2011 Recorded: July 26, 2011 Dakota County Recorder Document Number: 2811573 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1003215-0001150186-2 Lender or Broker: Timberland Mortgage Services, Inc. Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 3821 Laurel Ct, Eagan, MN 55122-1622 Tax Parcel ID Number: 10-14991-01-090 LEGAL DESCRIPTION OF PROPERTY: Lot 9, Block 1, Briar Hill 2nd Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $161,310.88 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 24, 2012 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 24, 2012, or the next business day if August 24, 2012 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 12, 2012 ASSIGNEE OF MORTGAGEE: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWALT, INC., ALTERNATIVE LOAN TRUST 2005-47CB, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2005-47CB Wilford, Geske & Cook 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: 023472F01 2870315 1/12-2/16/12

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 20, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $155,000.00 MORTGAGOR(S): Lindsey R. Lewis, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for Prime Mortgage Corporation, its successors and assigns DATE AND PLACE OF REGISTERING: Registered: March 21, 2006 Dakota County Registrar of Titles Document Number: 586743 ASSIGNMENTS OF MORTGAGE: And assigned to: Aurora Loan Services, LLC Dated: May 05, 2011 Registered: May 12, 2011 Dakota County Registrar of Titles Document Number: T679521 And assigned to: Aurora Bank FSB Dated: August 31, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100103210000126911 Lender or Broker: Prime Mortgage Corporation Residential Mortgage Servicer: Aurora Bank, FSB Mortgage Originator: Not Applicable

Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 139356 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1829 E 122nd St, Burnsville, MN 55337-2962 Tax Parcel ID Number: 02-18425-04-050 LEGAL DESCRIPTION OF PROPERTY: Lot Five (5), Block Four (4), Covington Point, Common Interest Community No. 173, a planned community, Dakota County, Minnesota, according to the recorded plat thereof. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $174,902.66 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 24, 2012 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 24, 2012, or the next business day if August 24, 2012 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 12, 2012 ASSIGNEE OF MORTGAGEE: Aurora Bank FSB Wilford, Geske & Cook 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: 006037F04 2871611 1/12-2/16/12

PUBLIC NOTICE

plied 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, 2012 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, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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 2713, 2011. The Huntington National Bank 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 90-2533 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2875133 1/12-2/16/12

PUBLIC NOTICE

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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, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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 27, 2011. CitiMortgage, Inc. 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 10-6742 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2871608 1/12-2/16/12

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 1, 2007 MORTGAGOR: Jacqueline M. Tappella, A Single Person. MORTGAGEE:Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded July 3, 2007, Dakota County Recorder, Document No. 2528179. ASSIGNMENTS OF MORTGAGE: Assigned to: JPMorgan Chase Bank, National Association. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100015904000555700 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: CTX Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 1950 Rose Way, Hastings, MN 55033 TAX PARCEL I.D. #: 195860010506 LEGAL DESCRIPTION OF PROPERTY: Unit No. 506, Common Interest Community Number 511, A Condominium, Prairie Ridge, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $171,023.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $173,911.98 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: March 1, 2012 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 4, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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

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, 2011. JPMorgan Chase Bank, National Association 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 30-10802 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2874996 1/12-2/16/12

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, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $107,200.00 MORTGAGOR(S): Jessica Roslyn and Gary Roslyn, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 26, 2005 Dakota County Recorder Document Number: 2374694 ASSIGNMENTS OF MORTGAGE: And assigned to: US Bank National Association as Trustee for JP ALT 2006-A2 Dated: November 09, 2011 Recorded: November 16, 2011 Dakota County Recorder Document Number: 2830960 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1000104-0202426482-6 Lender or Broker: Minnesota Lending Company, LLC Residential Mortgage Servicer: SunTrust Mortgage, Inc. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 401 E Burnsville Pkwy Apt 118, Burnsville, MN 55337-2845 Tax Parcel ID Number: 02-52001-00-118 LEGAL DESCRIPTION OF PROPERTY: Apartment No. 118, Apartment Ownership No. 18, Windham Hills, a Condominium AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $102,675.10 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 02, 2012 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, 2012, or the next business day if September 04, 2012 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 19, 2012 ASSIGNEE OF MORTGAGEE: US Bank National Association as Trustee for JP ALT 2006-A2 Wilford, Geske & Cook 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: 020781F01 2882273 1/19-2/23/12

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 22, 2009 MORTGAGOR: Matthew J. Liffrig, a single person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded August 5, 2009, Dakota County Recorder, Document No. 2676096. ASSIGNMENTS OF MORTGAGE: Assigned to: Freedom Mortgage Corporation. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 1000730-0083526442-5 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Freedom Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: LoanCare, a Division of FNF Servicing, Inc. MORTGAGED PROPERTY ADDRESS: 16417 Elm Creek Lane, Lakeville, MN 55044 T A X P A R C E L I . D . # : 22-26702-15-034 LEGAL DESCRIPTION OF PROPERTY: Unit No. 05034, CIC No. 581, Fieldstone Creek Condominium, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $182,986.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE:$188,365.75 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, 2012 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 10, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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, 2012. Freedom Mortgage Corporation 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 90-2527 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2882923 1/19-2/23/12

PUBLIC NOTICE

County Recorder, Document No. 2583235. ASSIGNMENTS OF MORTGAGE: Assigned to: Branch Banking and Trust Company. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100159969614954215 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Liberty Mortgage Corporation DBA Liberty Mortgage Corporation (Georgia) RESIDENTIAL MORTGAGE SERVICER: Branch Banking and Trust Company MORTGAGED PROPERTY ADDRESS: 19330 Ellington Trail, Farmington, MN 55024 TAX PARCEL I.D. #: 144535001480 LEGAL DESCRIPTION OF PROPERTY: Lot 48, Block 1, Limerock Ridge, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $272,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $275,097.52 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: February 24, 2012 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 24, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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 27, 2011. Branch Banking & Trust Company 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 90-2508 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2875113 1/12-2/16/12

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 21, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $102,200.00 MORTGAGOR(S): Ann Roach, unmarried MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for GMAC Mortgage Corporation DBA ditech.com, its successors and assigns DATE AND PLACE OF RECORDING: Recorded: July 24, 2007 Dakota County Recorder Document Number: 2532440 ASSIGNMENTS OF MORTGAGE: And assigned to: Nationstar Mortgage, LLC Dated: October 03, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100037506562469941 Lender or Broker: GMAC Mortgage Corporation DBA ditech.com Residential Mortgage Servicer: Nationstar Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 3590 Blue Jay Way Apt 104, Eagan, MN 55123-2205 Tax Parcel ID Number: 10-45050-04-005 LEGAL DESCRIPTION OF PROP-

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�� L E G A L D E S�� C R I P T I O N�� O F P R O P �� ments, including attorney fees allowed ERTY: Unit No. 104, Lexington Place by law, subject to redemption within Condominium, Dakota County, Minne- six (6) months from the date of said sota, Condominium File No. 66 sale by the mortgagor(s), their perAMOUNT DUE AND CLAIMED TO BE sonal representatives or assigns. DUE AS OF DATE OF NOTICE: If the Mortgage is not reinstated $104,809.74 under Minn. Stat. §580.30 or the propTHAT all pre-foreclosure require- erty is not redeemed under Minn. Stat. ments have been complied with; that §580.23, the Mortgagor must vacate no action or proceeding has been insti- the property on or before 11:59 p.m. on tuted at law or otherwise to recover the August 24, 2012, or the next business debt secured by said mortgage, or any day if August 24, 2012 falls on a Saturpart thereof; day, Sunday or legal holiday. PURSUANT to the power of sale conMortgagor(s) released from financial t a i n e d i n s a i d m o r t g a g e , t h e obligation: NONE above-described property will be sold THIS COMMUNICATION IS FROM by the Sheriff of said county as fol- A DEBT COLLECTOR ATTEMPTlows: ING TO COLLECT A DEBT. ANY DATE AND TIME OF SALE: February INFORMATION OBTAINED WILL BE 24, 2012 at 10:00 AM USED FOR THAT PURPOSE. PLACE OF SALE: Dakota County THE RIGHT TO VERIFICATION OF Law Enforcement Center, 1580 High- THE DEBT AND IDENTITY OF THE way 55, Lobby S-100, Hastings, Minne- ORIGINAL CREDITOR WITHIN THE sota TIME PROVIDED BY LAW IS NOT to pay the debt secured by said mort- AFFECTED BY THIS ACTION. gage and taxes, if any, on said preTHE TIME ALLOWED BY LAW FOR mises and the costs and disburse- REDEMPTION BY THE MORTGAGOR, ments, including attorney fees allowed THE MORTGAGOR'S PERSONAL REPby law, subject to redemption within RESENTATIVES OR ASSIGNS, MAY BE six (6) months from the date of said REDUCED TO FIVE WEEKS IF A JUDIsale by the mortgagor(s), their per- CIAL ORDER IS ENTERED UNDER sonal representatives or assigns. MINNESOTA STATUTES, SECTION If the Mortgage is not reinstated 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G under Minn. Stat. §580.30 or the prop- OTHER THINGS, THAT THE MORTerty is not redeemed under Minn. Stat. GAGED PREMISES ARE IMPROVED §580.23, the Mortgagor must vacate WITH A RESIDENTIAL DWELLING OF the property on or before 11:59 p.m. on LESS THAN FIVE UNITS, ARE NOT August 24, 2012, or the next business PROPERTY USED IN AGRICULTURAL day if August 24, 2012 falls on a Satur- PRODUCTION, AND ARE ABANDONED. day, Sunday or legal holiday. DATED: January 12, 2012 Mortgagor(s) released from financial ASSIGNEE OF MORTGAGEE: THE BANK OF NEW YORK obligation: NONE MELLON FKA THE BANK OF NEW THIS COMMUNICATION IS FROM YORK,AS TRUSTEE FOR THE A DEBT COLLECTOR ATTEMPTCERTIFICATEHOLDERS OF ING TO COLLECT A DEBT. ANY CWALT, INC., ALTERNATIVE INFORMATION OBTAINED WILL BE LOAN TRUST 2005-38, USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2005-38 THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE Wilford, Geske & Cook 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: 021081F01 1/12-2/16/12 CIAL ORDER IS ENTERED UNDER 2870360 MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTNOTICE OF MORTGAGE GAGED PREMISES ARE IMPROVED FORECLOSURE SALE WITH A RESIDENTIAL DWELLING OF THE RIGHT TO VERIFICATION LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN PRODUCTION, AND ARE ABANDONED. THE TIME PROVIDED BY LAW IS DATED: January 12, 2012 A S S I G N E E O F M O R T G A G E E : NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that Nationstar Mortgage, LLC default has occurred in conditions of Wilford, Geske & Cook P.A. the following described mortgage: Attorneys for Assignee of Mortgagee DATE OF MORTGAGE: February 15, Lawrence A. Wilford 2008 James A. Geske MORTGAGORS: Kelly L. Futch and 8425 Seasons Parkway, Suite 105 Leanne I. Esch, Both single persons. Woodbury, MN 55125-4393 MORTGAGEE:Merchants Bank, N.A. (651) 209-3300 Hampton. File Number: 021790F03 AND PLACE OF RECORDING: DATE 2873758 1/12-2/16/12 Recorded February 28, 2008, Dakota County Recorder, Document No. 2574663. ASSIGNMENTS OF MORTGAGE: NOTICE OF MORTGAGE NONE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that TRANSACTION AGENT: NONE default has occurred in the conditions TRANSACTION AGENT'S MORTof the following described mortgage: GAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE DATE OF MORTGAGE: July 05, 2005 ORIGINAL PRINCIPAL AMOUNT OF LENDER OR BROKER AND MORTMORTGAGE: $189,000.00 GAGE ORIGINATOR STATED ON MORTGAGOR(S): John F. Horan, MORTGAGE: Merchants Bank, N.A. single Hampton MORTGAGEE: Mortgage Electronic RESIDENTIAL MORTGAGE SERRegistration Systems, Inc. VICER: Merchants Bank, N.A. DATE AND PLACE OF RECORDING: MORTGAGED PROPERTY ADDRESS: R e c o r d e d : N o v e m b e r 1 5 , 2 0 0 5 13416 Upton Avenue South, BurnsDakota County Recorder ville, MN 55337 T A X P A R C E L I . D . # : Document Number: 2381127 02-56701-01-030 ASSIGNMENTS OF MORTGAGE: And assigned to: THE BANK OF NEW LEGAL DESCRIPTION OF PROPYORK MELLON FKA THE BANK OF ERTY: Lot 3, Block 1, Paula's Second AddiNEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWALT, tion, Dakota County, Minnesota INC., ALTERNATIVE LOAN TRUST COUNTY IN WHICH PROPERTY IS 2005-38, MORTGAGE PASS-THROUGH LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF CERTIFICATES, SERIES 2005-38 Dated: December 14, 2011 MORTGAGE: $198,750.00 Transaction Agent: Mortgage ElecAMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDtronic Registration Systems, Inc. Transaction Agent Mortgage Identifi- ING TAXES, IF ANY, PAID BY MORTcation Number: 1004036-0005060119-2 GAGEE: $193,338.55 That prior to the commencement of Lender or Broker: Independent this mortgage foreclosure proceeding Financial Mortgage, Inc. Residential Mortgage Servicer: Bank Mortgagee/Assignee of Mortgagee comof America, N.A. plied with all notice requirements as required by statute; That no action or Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS proceeding has been instituted at law or otherwise to recover the debt LOCATED: Dakota Property Address: 240 3rd Ave S, secured by said mortgage, or any part thereof; South Saint Paul, MN 55075-2311 PURSUANT to the power of sale conTax Parcel ID Number: 36-32550-11-200 tained in said mortgage, the above L E G A L D E S C R I P T I O N O F P R O P - described property will be sold by the ERTY: Lot 20, Block 11, Hepburn Park Sheriff of said county as follows: Addition to the City of Saint Paul, DATE AND TIME OF SALE: March 2, 2012 at 10:00 AM Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE PLACE OF SALE:Sheriff's Office, Law D U E A S O F D A T E O F N O T I C E : Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN $268,417.15 THAT all pre-foreclosure require- to pay the debt then secured by said ments have been complied with; that Mortgage, and taxes, if any, on said no action or proceeding has been insti- premises, and the costs and disbursetuted at law or otherwise to recover the 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 debt secured by said mortgage, or any allowed by law subject to redemption within six (6) months from the date of part thereof; PURSUANT to the power of sale con- said sale by the mortgagor(s), their t a i n e d i n s a i d m o r t g a g e , t h e personal representatives or assigns above-described property will be sold unless reduced to Five (5) weeks under by the Sheriff of said county as fol- MN Stat. §580.07. TIME AND DATE TO VACATE PROPlows: DATE AND TIME OF SALE: February E R T Y : I f t h e r e a l e s t a t e i s a n owner-occupied, single-family dwell24, 2012 at 10:00 AM PLACE OF SALE: Dakota County ing, unless otherwise provided by law, Law Enforcement Center, 1580 High- the date on or before which the mortway 55, Lobby S-100, Hastings, Minne- gagor(s) must vacate the property if the mortgage is not reinstated under secsota to pay the debt secured by said mort- tion 580.30 or the property is not gage and taxes, if any, on said pre- redeemed under section 580.23 is mises and the costs and disbursements, including attorney fees allowed ��

PUBLIC NOTICE

�� GAGED �� ARE IMPROVED PREMISES WITH A RESIDENTIAL DWELLING OF �� redeemed under section 580.23 is 11:59 p.m. on September 3, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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, 2012. Merchants 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 94-713 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2874965 1/12-2/16/12

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 15, 1995 MORTGAGORS: J e s u s E d u a r d o Lopez and Victoria A. Lopez, husband and wife, and Lilia Lopez, an unmarried woman. MORTGAGEE: North American Mortgage Company. DATE AND PLACE OF RECORDING: Recorded January 11, 1996, Dakota County Recorder, Document No. 1323625. ASSIGNMENTS OF MORTGAGE: Assigned to: Citicorp Mortgage, Inc n/k/a CitiMortgage, Inc. 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. #: 423410002280 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: $74,310.44 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 1 , 2012 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 4, 2012_____________________, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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

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 3, 2012. CitiMortgage, Inc. 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 10-6758 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2875042 1/12-2/16/12

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: $196,000.00 MORTGAGOR(S): James T. Anderson and Ronica E. Anderson, husband and wife MORTGAGEE: America's Wholesale Lender DATE AND PLACE OF REGISTERING: Registered: October 21, 2005 Dakota County Registrar of Titles Document Number: 577392 ASSIGNMENTS OF MORTGAGE: And assigned to: The Bank Of New York Mellon FKA The Bank Of New York As Trustee For The Certificateholders Of The CWABS, Inc., Asset-Backed Certificates, Series 2005-AB4 Dated: January 11, 2012 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: America's Wholesale Lender Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 104847 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 13607 Fordham Ave, Apple Valley, MN 55124-4122 Tax Parcel ID Number: 01.31000.500.05 LEGAL DESCRIPTION OF PROPERTY: Lot 50, Block 5, in Greenleaf First Addition according to the plat thereof, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $235,375.39 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; 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 02, 2012 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, 2012, or the next business day if September 04, 2012 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 19, 2012 ASSIGNEE OF MORTGAGEE: The Bank Of New York Mellon FKA The Bank Of New York As Trustee For The Certificateholders Of The CWABS, Inc., Asset-Backed Certificates, Series 2005-AB4 Wilford, Geske & Cook 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: 017234F02 2880979 1/19-2/23/12

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 22, 2009 MORTGAGOR: Sue Ellen Maher, A Single Person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc.. DATE AND PLACE OF RECORDING: Recorded July 27, 2009, Dakota County Recorder, Document No. 2673802. ASSIGNMENTS OF MORTGAGE: Assigned to: JPMorgan Chase Bank, National Association. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100103210000535079 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: The Business Bank, dba Prime Mortgage RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 1024 20th Avenue North, South Saint Paul, MN 55075 TAX PARCEL I.D. #: 363090015024 LEGAL DESCRIPTION OF PROPERTY: Unit No. 1024, North 20th Avenue at Parkwood Condominium, CIC No. 302, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $115,764.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $118,318.75 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 1, 2012 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 4, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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, 2012. JPMorgan Chase Bank, National Association 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 30-11171 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2874920 1/12-2/16/12

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE YOU ARE HEREBY NOTIFIED THAT: 1. Default has occurred in the conditions of the mortgage dated December 11, 2008, and executed by Dennis M. Peterson Interests, Inc., a Minnesota corporation, as Mortgagor(s), to Lake Community Bank, a Minnesota corporation, as Mortgagee(s), and filed for record December 23, 2008 as Dakota County Registrar of Titles Document No. T 637207. The land described in the Mortgage is registered land. 2. The Mortgage has been assigned as follows: No assignments. 3. The original principal amount secured by the Mortgage was: $79,500.00.

$79,500.00. 4. No action or proceeding at law is now pending to recover the debt secured by the Mortgage, or any part thereof. 5. 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. 6. At the date of this notice, the amount due on the Mortgage, and taxes, if any, paid by the holder of the Mortgage is: $64,544.98. 7. Pursuant to the power of sale in the Mortgage, the Mortgage will be foreclosed, and the land described as follows: The North 270 feet of the East 385 feet of the Northwest Quarter of the Northeast Quarter of Section 21, Township 115, Range 20, Dakota County, Minnesota. Together with an easement over that part of the South Half of the Southeast Quarter of Section 16, Township 115, Range 20, Dakota County, Minnesota, described as follows: Commencing at the intersection of the South line of the Southeast Quarter of Section 16, Township 115, Range 20 with the right-of-way boundary line depicted on Minnesota Department of Transportation Right-of-Way Plat No. 19-29 (which point of intersection is 592.98 feet West of the East line of the Southeast Quarter of said Section 16 and which point is designated as right-of-way boundary corner B730 of said right-of-way plat); thence North 89 degrees 57 minutes 29 seconds West along said South line of the Southeast Quarter a distance of 721.00 feet to the Southwest corner of the Southeast Quarter of the Southeast Quarter of said Section 16; thence continuing West along said South line of the Southeast Quarter a distance of 30.00 feet; thence North on a line perpendicular to said South line of the Southeast Quarter a distance of 30.00 feet; thence East on a line parallel to said South line of the Southeast Quarter to said right-of-way boundary line depicted on Minnesota Department of Transportation Right-of-Way Plat No. 19-29; thence southerly along said right-of-way boundary to the point of beginning, and there terminating. will be sold by the sheriff of Dakota County, Minnesota at public auction on March 2, 2012, at 10:00 o'clock a.m., at the Dakota County Sheriff's Office, Law Enforcement Center, 1580 Highway 55, Hastings, MN 55033. 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 Mortgagor, its personal representatives or assigns is six (6) months after the date of sale. 9. The street address and tax identification number(s) of the mortgaged property is as follows: unassigned situs Apple Valley, Minnesota Tax Identification Number(s): 01-02100-05-013 Dated: January 3, 2012 Lake Community Bank, a Minnesota corporation, Mortgagee By:_/s/ Steven L. Mackey Steven L. Mackey Attorney for Mortgagee 1054 Bucher Avenue Shoreview, MN 55126 (651) 765-8887 2871582 1/12-2/16/12

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 31, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $243,920.00 MORTGAGOR(S): Caesar Velazquez and Ortencia Velazquez, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for NBank, N.A., its successors and assigns DATE AND PLACE OF RECORDING: Recorded: December 28, 2005 Dakota County Recorder Document Number: 2392306 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association, A National Banking Association, as Trustee of the BANC of America Funding 2006-A Trust Dated: June 18, 2009 Recorded: July 15, 2009 Dakota County Recorder Document Number: 2671374 And assigned to: BANK OF AMERICA, N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING LP FKA COUNTRYWIDE HOME LOANS SERVICING LP Dated: December 28, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100059012560424056 Lender or Broker: NBank, N.A. Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4108 States Ave, Eagan, MN 55123-1592 Tax Parcel ID Number: 10-72500-03-070 LEGAL DESCRIPTION OF PROPERTY: Lot 7, Block 3, Stafford Place, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE:

DUE AS OF DATE OF NOTICE: $281,063.54 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 24, 2012 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 24, 2012, or the next business day if August 24, 2012 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 12, 2012 ASSIGNEE OF MORTGAGEE: BANK OF AMERICA, N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING LP FKA COUNTRYWIDE HOME LOANS SERVICING LP Wilford, Geske & Cook 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: 022594F01 2873721 1/12-2/16/12

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 10, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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 10, 2012. JPMorgan Chase Bank, National Association 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 30-7208 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2882897 1/19-2/23/12

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 31, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $216,300.00 MORTGAGOR(S): Adam J. Daly, a single person and Nikolaus D. Boese, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for Minnesota Funding Group, its successors and assigns DATE AND PLACE OF REGISTERING: Registered: September 19, 2007 Dakota County Registrar of Titles Document Number: 617485 ASSIGNMENTS OF MORTGAGE: And assigned to: Nationstar Mortgage LLC Dated: December 19, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1003822-0501652955-5 Lender or Broker: Minnesota Funding Group Residential Mortgage Servicer: Nationstar Mortgage, LLC Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 149698 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 6920 Casper Ave E, Inver Grove Heights, MN 55076-2112 Tax Parcel ID Number: 20-71153-09-150 LEGAL DESCRIPTION OF PROPERTY: Lot Fifteen (15) in Block Nine (9) of South Grove No. 4, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $221,872.32 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 02, 2012 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, 2012, or the next business day if September 04, 2012 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 19, 2012 ASSIGNEE OF MORTGAGEE: Nationstar Mortgage LLC Wilford, Geske & Cook 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: 023384F01 2881394 1/19-2/23/12

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 MORTGAGORS: Paul E. Werner and Cheren J. Werner, Husband and Wife. MORTGAGEE: Mortgage Electronic Registration Systems, Inc.. DATE AND PLACE OF RECORDING: Registered September 15, 2005, Dakota County Registrar of Titles, Document No. 574446, Certificate of Title No. 137489. ASSIGNMENTS OF MORTGAGE: Assigned to: U. S. Bank National Association. Said Mortgage being Registered Land. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100021278104475608 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Pioneer Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 3780 Upper 71st Street East, Inver Grove Heights, MN 55076 T A X P A R C E L I . D . # : 20-71155-020-06 LEGAL DESCRIPTION OF PROPERTY: Lot Two (2) in Block Six (6) of South Grove No. 6, According to the recorded plat thereof, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $220,255.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $287,580.63 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 6, 2012 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 6, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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, 2012. U.S. Bank National Association Mortgagee/Assignee of Mortgagee

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 19-3359 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2882839 1/19-2/23/12

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 a n u a r y 2 6 , 2007 MORTGAGORS: P o n l e u H e a n a n d Voeuy You, husband and wife. MORTGAGEE:Mortgage Electronic Registration Systems, Inc.. DATE AND PLACE OF RECORDING: Recorded February 12, 2007, Dakota County Recorder, Document No. 2495836. ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank National Association. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100232301120050281 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Centennial Mortgage and Funding, Inc RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 9463 Imbler Trail, Lakeville, MN 55044 TAX PARCEL I.D. #: 228410002260 LEGAL DESCRIPTION OF PROPERTY: Lot 26, Block 2, Wild Meadow Villas CIC #363 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $222,920.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $218,664.14 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 8, 2012 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 10, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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 10, 2012. U.S. Bank National Association 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 19-3419 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2882795 1/19-2/23/12

PUBLIC NOTICE

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 National Association. 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 National Association RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 1800 Covington Lane, Eagan, MN 55122 TAX PARCEL I.D. #: 106398415040 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: $182,283.95 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, 2012 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 10, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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, 2012. U.S. Bank National Association 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 19-2763 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2882848 1/19-2/23/12

PUBLIC NOTICE

��

�� Thousand �� Two Hundred Forty Two and RESIDENTIA L M O R T G�� A G E S E R �� 31/100 ($312,242.31) VICER: U.S. Bank Home Mortgage THAT no action or proceeding has MORTGAGED PROPERTY ADDRESS: 14711 Endicott Way, Apple Valley, MN been instituted at law to recover the 55124 debt secured by said mortgage, or any T A X P A R C E L I . D . # : part thereof; that there has been com01-81456-01-230 pliance with all pre-foreclosure notice LEGAL DESCRIPTION OF PROP- and acceleration requirements of said mortgage, and/or applicable statutes; ERTY: Lot 23, Block 1, Valley Way Village PURSUANT, to the power of sale conSeventh Addition. tained in said mortgage, the above COUNTY IN WHICH PROPERTY IS described property will be sold by the LOCATED: Dakota Sheriff of said county as follows: ORIGINAL PRINCIPAL AMOUNT OF DATE AND TIME OF SALE: 10:00 AM MORTGAGE: $162,623.00 on March 6, 2012 AMOUNT DUE AND CLAIMED TO BE PLACE OF SALE: Sh eriff`s Mai n DUE AS OF DATE OF NOTICE, INCLUD- Office, Law Enforcement Center, 1580 ING TAXES, IF ANY, PAID BY MORT- Highway 55, Hastings MN 55033-2343 GAGEE: $183,989.57 to That prior to the commencement of pay the debt then secured by said this mortgage foreclosure proceeding mortgage and taxes, if any actually Mortgagee/Assignee of Mortgagee com- paid by the mortgagee, on the preplied with all notice requirements as mises and the costs and disburserequired by statute; That no action or m e n t s a l l o w e d b y l a w . T h e t i m e proceeding has been instituted at law allowed by law for redemption by said 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 mortgagor(s), their personal represensecured by said mortgage, or any part tatives or assigns is 6.00 months from thereof; the date of sale. If Mortgage is not PURSUANT to the power of sale con- reinstated under Minn. Stat. 580.30 or tained in said mortgage, the above the property is not redeemed under described property will be sold by the Minn. Stat. 580.23, the Mortgagor must Sheriff of said county as follows: vacate the property on or before 11:59 DATE AND TIME OF SALE: March 8, p.m. on September 6, 2012, or the next business day if September 6, 2012 falls 2012 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law on a Saturday, Sunday or legal holiday. "THE TIME ALLOWED BY LAW FOR Enforcement Center, 1580 Hwy 55, REDEMPTION BY THE MORTGAGOR, Lobby #S-100, Hastings, MN to pay the debt then secured by said THE MORTGAGOR`S PERSONAL REPMortgage, and taxes, if any, on said RESENTATIVES OR ASSIGNS, MAY BE premises, and the costs and disburse- REDUCED TO FIVE WEEKS IF A JUDIm 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 CIAL ORDER IS ENTERED UNDER allowed by law subject to redemption MINNESOTA STATUTES, SECTION within six (6) months from the date of 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G said sale by the mortgagor(s), their OTHER THINGS, THAT THE MORTpersonal representatives or assigns GAGED PREMISES ARE IMPROVED unless reduced to Five (5) weeks under WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT MN Stat. §580.07. TIME AND DATE TO VACATE PROP- PROPERTY USED IN AGRICULTURAL ERTY: If the real estate is an P R O D U C T I O N , A N D A R E owner-occupied, single-family dwell- ABANDONED." Dated: January 19, 2012 ing, unless otherwise provided by law, HSBC Bank USA, N.A., as Trustee the date on or before which the morton behalf of ACE Securities Corp. gagor(s) must vacate the property if the mortgage is not reinstated under secHome Equity Loan Trust and for tion 580.30 or the property is not the registered holders of ACE redeemed under section 580.23 is Securities Corp. Home Equity 11:59 p.m. on September 10, 2012, Loan Trust, Series 2006-ASAP3, unless the redemption period is Asset Backed Pass-Through Certificates reduced to 5 weeks under MN Stat. Randall S. Miller & Associates, PLLC Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM Attorneys for Assignee of Mortgage/ FINANCIAL OBLIGATION ON MORT- Mortgagee One Financial Plaza, GAGE: None "THE TIME ALLOWED BY LAW FOR 120 South Sixth Street, Suite 1100 REDEMPTION BY THE MORTGAGOR, Minneapolis, MN 55402 THE MORTGAGOR'S PERSONAL REP- Phone: 612-573-3677 RESENTATIVES OR ASSIGNS, MAY BE Our File No. 11MN00086-2 REDUCED TO FIVE WEEKS IF A JUDI- THIS IS A COMMUNICATION FROM CIAL ORDER IS ENTERED UNDER A DEBT COLLECTOR. MINNESOTA STATUTES, SECTION A S A P # 4 1 7 5 4 6 1 0 1 / 1 9 / 2 0 1 2 , 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G 01/26/2012, 02/02/2012, 02/09/2012, OTHER THINGS, THAT THE MORT- 02/16/2012, 02/23/2012 1/19-2/23/12 GAGED PREMISES ARE IMPROVED 2878702 WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL NOTICE OF MORTGAGE P R O D U C T I O N , A N D A R E FORECLOSURE SALE ABANDONED." Date: January 11, 2012 Dated: January 10, 2012. YOU ARE NOTIFIED THAT: U.S. Bank National Association 1. Default has occurred in the condiMortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. tions of that certain Combination First Mortgage and Security Agreement and Attorneys for Mortgagee/Assignee of Fixture Financing Statement and Mortgagee Assignment of Leases and Rents dated 4500 Park Glen Road #300 July 16, 2007, executed by RoMar Minneapolis, MN 55416 Enterprises, LLC, a Minnesota limited (952) 925-6888 liability company, as Mortgagor, to Key 19-3344 THIS IS A COMMUNICATION FROM Community Bank, a Minnesota banking corporation, as Mortgagee, filed for A DEBT COLLECTOR. 2882783 1/19-2/23/12 record July 17, 2007 as Document Number 2530907 in the Office of the County Recorder of Dakota County, Minnesota. The land described in the Mortgage is not registered land. 2. The Mortgage has not been as NOTICE OF MORTGAGE 3. The original principal amount FORECLOSURE SALE THE RIGHT TO VERIFICATION OF s e c u r e d b y t h e M o r t g a g e w a s THE DEBT AND IDENTITY OF THE $1,013,000.00. ORIGINAL CREDITOR WITHIN THE 4. No action or proceeding at law is TIME PROVIDED BY LAW IS NOT now pending to recover the debt secured by the Mortgage, or any part AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN: That thereof. default has occurred in the conditions 5. The holder of the Mortgage has of the following described mortgage: complied with all conditions preceDATE OF MORTGAGE: December 23, d e n t t o a c c e l e r a t i o n o f t h e d e b t 2005 secured by the Mortgage and forecloORIGINAL PRINCIPAL AMOUNT OF sure of the Mortgage, and all notice MORTGAGE: $291,200.00 and other requirements of applicable MORTGAGOR(S): Troy A Gerber and statutes. Andrea L Gerber, husband and wife as 6. A t t h e d a t e o f t h i s n o t i c e t h e amount due on the Mortgage, and tenants in common MORTGAGEE: Mortgage Electronic taxes, paid by the holder of the MortRegistration Systems, Inc. as nominee gage is $537,182.29. 7. Pursuant to the power of sale in for Great Northern Financial Group, the Mortgage, the Mortgage will be Inc. TRANSACTION AGENT: Mortgage foreclosed, and the land described as Electronic Registration Systems, Inc. follows: Lot 6, Block 2, Hastings Industrial MIN#: 1002614-9567674021-4 Park No. 7, Dakota County, MinneSERVICER: Ocwen Loan Servicing, sota. LLC LENDER: Great Northern Financial TOGETHER WITH all estates and rights in and to such real property Group, Inc.. and in and to lands lying in streets, DATE AND PLACE OF FILING: Dakota County Minnesota,Registrar of alleys and roads adjoining such real property and all buildings, strucTitle , on January 23, 2006, as Docutures, improvements, fixtures and ment No. 583415. annexations, access rights, easeASSIGNED TO: HSBC Bank USA, ments, rights of way or use, serviN.A., as Trustee on behalf of ACE tudes, licenses, tenements, herSecurities Corp. Home Equity Loan editaments and appurtenances now Trust and for the registered holders of ACE Securities Corp. Home Equity or hereafter belonging or pertaining Loan Trust, Series 2006-ASAP3, Asset to such real property and together Backed Pass-Through Certificates with all buildings, equipment, fixtures, improvements, building supDated: May 31, 2006 , and recorded plies and materials and personal May 13, 2010 by Document No. property now owned or hereafter T661861 . acquired and now or hereafter LEGAL DESCRIPTION OF PROPattached to, located in, placed in or ERTY: Lot 27, Block 5, Marion Fields, necessary to the use of the Dakota County, Minnesota. improvements on such real property, PROPERTY ADDRESS: 20907 Huntsincluding, but without being limited ville Trail, Lakeville, MN 55044 to all machinery, fittings, fixtures, PROPERTY I.D: 22-47475-05-270 apparatus, equipment or articles COUNTY IN WHICH PROPERTY IS used to supply heating, gas, electricLOCATED: Dakota ity, air conditioning, water, light, THE AMOUNT CLAIMED TO BE DUE waste disposal, power, refrigeration, ON THE MORTGAGE ON THE DATE OF THE NOTICE: Three Hundred Twelve Thousand Two Hundred Forty-Two and ��

PUBLIC NOTICE

�� owner �� occupied, single family dwell ing, unless otherwise provided by law, �� waste disposal, power, refrigeration, ventilation, and fire and sprinkler protection, as well as all elevators, escalators, overhead cranes, hoists and assists, and the like, and all furnishings, supplies, draperies, maintenance and repair equipment, floor coverings, appliances, screens, storm windows, blinds, awnings, shrubbery and plants, as well as renewals, replacements, proceeds, additions, accessories, increases, parts, fittings and substitutes thereof. will be sold by the Sheriff of Dakota County, Minnesota, at public auction on Wednesday, March 7, 2012 at 10:00 a.m., at the Law Enforcement Center, 1580 Highway 55, Hastings, Minnesota 55033. 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 Mortgagor or Mortgagor's personal representatives or assigns is twelve (12) months after the date of sale. 9. 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. 10. T H I S C O M M U N I C A T I O N I S FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 11. RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. Key Community Bank By David A. Bjerknes Its Senior Vice President Lender Attorney for Lender: James F. Christoffel Christoffel & Elliott, P.A. 1111 UBS Plaza 444 Cedar Street St. Paul, Minnesota 55101-2129 2879086 1/19-2/23/12

PUBLIC NOTICE

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 10, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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 10, 2012. U.S. Bank National Association 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 19-3302 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2882857 1/19-2/23/12

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 a n u a r y 3 1 , 2005 MORTGAGORS: Robb D. Pauling and Tonya S. Pauling, husband and wife. MORTGAGEE:Advisor's Mortgage, LLC. DATE AND PLACE OF RECORDING: Recorded March 7, 2005, Dakota County Recorder, Document No. 2301939. ASSIGNMENTS OF MORTGAGE: Assigned to: ABN Amro Mortgage Group,Inc. n/k/a CitiMortgage, Inc.. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Advisor's Mortgage, LLC RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 18268 Echo Drive, Farmington, MN 55024 TAX PARCEL I.D. #: 141950602020 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 2, Dakota County Estates 7th Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $196,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $180,396.25 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: March 9, 2012 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 10, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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

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, 2012. CitiMortgage, Inc. 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 10-6793 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2882660 1/19-2/23/12

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 1 , 2004 MORTGAGORS: Mesay T. Hayle and Hiwot Mulugeta, husband and wife. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded April 21, 2004, Dakota County Recorder, Document No. 2196766. ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc.. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100200900000037660 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: United Residential Mortgage, LLC RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 4571 Cinnamon Ridge Trail, Eagan, MN 55122 T A X P A R C E L I . D . # : 10-17400-040-02 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 2, Cinnamon Ridge COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $206,654.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $209,217.34 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: December 15, 2011 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 _June 15, 2012_____________________, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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: October 14, 2011. CitiMortgage, Inc. 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 10-6499 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 26, 2012 at

postponed until January 26, 2012 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 14, 2011. 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 10-6499 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 1, 2012 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 23, 2012. CitiMortgage, Inc. 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 10-6499 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2888668 1/26/12

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 15, 2006 MORTGAGOR: Robert J. Nicholson, a single person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc.. DATE AND PLACE OF RECORDING: Recorded January 17, 2007, Dakota County Recorder, Document No. 2488750. ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. BANK, NATIONAL ASSOCIATION, AS TRUSTEE FOR THE HOLDERS OF THE SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN ASSET-BACKED CERTIFICATES, SERIES 2007-BC2. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100372406123800101 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Wilmington Finance, Inc. RESIDENTIAL MORTGAGE SERVICER: Bank of America, N.A. MORTGAGED PROPERTY ADDRESS: 424 Cari Park Lane Unit 442, Hastings, MN 55033 T A X P A R C E L I . D . # : 19.16400.10.424 LEGAL DESCRIPTION OF PROPERTY: Unit 424, C.I.C. No. 178, Cari Park Apartments, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $100,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE:$107,689.89 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: December 27, 2011 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 June 27, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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,

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 24, 2011. U.S. Bank, National Association, as Trustee 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 18-1213 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 May 1, 2012 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 19, 2012. U.S. Bank, National Association, 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 18-1213 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2885575 1/26/12

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 21, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $161,600.00 MORTGAGOR(S): Steven A. Lujan and Molly F. Lujan, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for Lakeland Mortgage Corporation, its successors and assigns DATE AND PLACE OF RECORDING: Recorded: August 04, 2005 Dakota County Recorder Document Number: 2347779 ASSIGNMENTS OF MORTGAGE: And assigned to: Aurora Bank FSB Dated: August 17, 2011 Recorded: November 04, 2011 Dakota County Recorder Document Number: 2828831 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100137510000205411 Lender or Broker: Lakeland Mortgage Corporation Residential Mortgage Servicer: Aurora Bank, FSB Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 22 Pine Pl, Farmington, MN 55024-9685 Tax Parcel ID Number: 14-30200-07-010 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 7, Glenview Townhomes and Commercial, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $164,251.87 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 23, 2011 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 June 25, 2012, or the next business day if June 25, 2012 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

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 10, 2011 ASSIGNEE OF MORTGAGEE: Aurora Bank FSB Wilford, Geske & Cook 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: 022066F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 23, 2011 at 10:00 AM has been postponed to January 23, 2012 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 19, 2011 ASSIGNEE OF MORTGAGEE: Aurora Bank FSB NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for January 23, 2012 at 10:00 AM has been postponed to February 23, 2012 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 09, 2012 ASSIGNEE OF MORTGAGEE: Aurora Bank FSB Wilford, Geske & Cook 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: 022066F01 2876291 1/26/12

PUBLIC NOTICE

��

Secs. 580.07 or 582.032. 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 5, 2011. JPMorgan Chase Bank, National Association 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 30-10491 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 18, 2012 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 22, 2011 JPMorgan Chase 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 30-10491 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 February 29, 2012 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 18, 2012. JPMorgan Chase 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 30-10491 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2883925 1/26/12

PUBLIC NOTICE

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: June 2, 2011 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 December 2, 2011, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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: April 8, 2011. Wells Fargo Bank, N.A., as Trustee 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 60-3229 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 July 28, 2011 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: June 6, 2011. 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 60-3229 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 15, 2011 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: August 1, 2011. 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 60-3229 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 December 8, 2011 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 24, 2011. 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 60-3229 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 26, 2012 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 5, 2011. Wells Fargo Bank, N.A., as Trustee

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 60-3229 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 1, 2012 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 23, 2012. 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 60-3229 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2888680 1/26/12

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 a n u a r y 1 7 , 2008 MORTGAGOR: Harold R. Green, an unmarried man. MORTGAGEE: PNC Bank, National Association s/b/m to National City Mortgage a division of National City Bank. DATE AND PLACE OF RECORDING: Registered February 4, 2008, Dakota County Registrar of Titles, Document No. 623413, Certificate of Title No. 144244. 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: National City Mortgage a division of National City Bank RESIDENTIAL MORTGAGE SERVICER: PNC Bank, National Association MORTGAGED PROPERTY ADDRESS: 1001 West 136th Street, Burnsville, MN 55337 TAX PARCEL I.D. #: 021810001010 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 1, Colonial Hills Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $220,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $270,713.61 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, 2012 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 July 19, 2012 unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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

IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: November 21, 2011. PNC Bank, National Association 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 4-2445 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 1, 2012 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 23, 2012. 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 4-2445 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2888086 1/26/12

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 6, 2006 MORTGAGORS: B a r b a r a K o p p a n g and Michael Koppang, wife and husband. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded December 26, 2006, Dakota County Recorder, Document No. 2483987. ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank National Association, as trustee, on behalf of the holders of the CSMC Mortgage-Backed Pass-Through Certificates, Series 2007-3. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 1001527-1100001142-5 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Mortgage One, Inc. RESIDENTIAL MORTGAGE SERVICER: Select Portfolio Servicing, Inc. MORTGAGED PROPERTY ADDRESS: 17790 Jalisco Way, Lakeville, MN 55044 TAX PARCEL I.D. #: 225350201030 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 1, Oak Hills Third Addition, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $208,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $216,583.96 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: January 20, 2012 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 July 20, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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,

��

�� UNDER SECTION 582.032, DETERMINING, CIAL ORDER IS ENTERED AMONG OTHER THINGS, THAT THE MINNESOTA STATUTES, SECTION M O R T G A G E D P R E M I S E S A R E 582.032, DETERMINING, AMONG I M P R O V E D W I T H A R E S I D E N T I A L OTHER THINGS, THAT THE MORTD W E L L I N G O F L E S S T H A N F I V E GAGED PREMISES ARE IMPROVED UNITS, ARE NOT PROPERTY USED IN WITH A RESIDENTIAL DWELLING OF AGRICULTURAL PRODUCTION, AND LESS THAN FIVE UNITS, ARE NOT ARE ABANDONED." PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E Dated: November 21, 2011. U.S. Bank, National Association, ABANDONED." Dated: January 10, 2012. as Trustee U.S. Bank National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Mortgagee/Assignee of Mortgagee Attorneys for Mortgagee/Assignee of USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Mortgagee Minneapolis, MN 55416 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 (952) 925-6888 38-338 THIS IS A COMMUNICATION FROM 19-3261 A DEBT COLLECTOR. THIS IS A COMMUNICATION FROM NOTICE OF POSTPONEMENT OF A DEBT COLLECTOR. 2882892 1/19-2/23/12 MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is NOTICE OF MORTGAGE postponed until February 10, 2012 at FORECLOSURE SALE 10:00 am at the Sheriff's Office, Law THE RIGHT TO VERIFICATION Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN county and state. THE TIME PROVIDED BY LAW IS Dated: January 17, 2012. U.S. Bank, National Association, NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that as Trustee default has occurred in conditions of Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. the following described mortgage: DATE OF MORTGAGE: M a r c h 2 0 , By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of 2006 MORTGAGORS: U n j o n g Y a n g a n d Mortgagee Yeon Su Jeon, Husband and Wife. 4500 Park Glen Road #300 MORTGAGEE:Mortgage Electronic Minneapolis, MN 55416 Registration Systems, Inc.. (952) 925-6888 DATE AND PLACE OF RECORDING: 38-338 Recorded April 5, 2006, Dakota THIS IS A COMMUNICATION FROM County Recorder, Document No. A DEBT COLLECTOR. 2883474 1/26/12 2418194. ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank National Association. TRANSACTION AGENT: Mortgage NOTICE OF MORTGAGE Electronic Registration Systems, Inc. FORECLOSURE SALE TRANSACTION AGENT'S MORTTHE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF GAGE IDENTIFICATION NUMBER ON THE ORIGINAL CREDITOR WITHIN MORTGAGE: 100021268000489886 LENDER OR BROKER AND MORTTHE TIME PROVIDED BY LAW IS GAGE ORIGINATOR STATED ON NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that MORTGAGE: Bankers Mortgage Comdefault has occurred in conditions of pany, LLC the following described mortgage: RESIDENTIAL MORTGAGE SERDATE OF MORTGAGE: J a n u a r y 2 2 , VICER: U.S. Bank Home Mortgage 2008 MORTGAGED PROPERTY ADDRESS: MORTGAGOR: Sally Jo Wicklund, A 15793 Fostoria Drive, #5631, Apple Valley, MN 55124 Single Person. MORTGAGEE: Mortgage Electronic TAX PARCEL I.D. #: 013215001110 Registration Systems, Inc.. LEGAL DESCRIPTION OF PROPDATE AND PLACE OF RECORDING: ERTY: Lot 110, Block 1, Hawthorne, ComRecorded February 12, 2008, Dakota County Recorder, Document No. mon Interest Community No. 369, Dakota County, Minnesota. 2571895. COUNTY IN WHICH PROPERTY IS ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank National LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF Association. TRANSACTION AGENT: Mortgage MORTGAGE: $200,000.00 Electronic Registration Systems, Inc. AMOUNT DUE AND CLAIMED TO BE T R A N S A C T I O N A G E N T ' S M O R T - DUE AS OF DATE OF NOTICE, INCLUDGAGE IDENTIFICATION NUMBER ON ING TAXES, IF ANY, PAID BY MORTGAGEE:$198,855.17 MORTGAGE: 100021268001298310 That prior to the commencement of LENDER 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 this mortgage foreclosure proceeding MORTGAGE: Bankers Mortgage Com- Mortgagee/Assignee of Mortgagee complied with all notice requirements as pany, LLC R E S I D E N T I A L M O R T G A G E S E R - required by statute; That no action or VICER: U.S. Bank Home Mortgage proceeding has been instituted at law MORTGAGED PROPERTY ADDRESS: 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 secured by said mortgage, or any part 953 Jefferson Lane, Eagan, MN 55123 thereof; TAX PARCEL I.D. #: 104507202040 PURSUANT to the power of sale LEGAL DESCRIPTION OF PROPcontained in said mortgage, the above ERTY: Lot 4, Block 2, Lexington Pointe described property will be sold by the Third Addition, Dakota County, Min- Sheriff of said county as follows: DATE AND TIME OF SALE: Decemnesota COUNTY IN WHICH PROPERTY IS ber 9, 2011 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF Enforcement Center, 1580 Hwy 55, MORTGAGE: $217,600.00 Lobby #S-100, Hastings, MN AMOUNT DUE AND CLAIMED TO BE to pay the debt then secured by said DUE AS OF DATE OF NOTICE, INCLUD- Mortgage, and taxes, if any, on said ING TAXES, IF ANY, PAID BY MORT- p r e m i s e s , a n d t h e c o s t s a n d disbursements, including attorneys' GAGEE: $215,955.90 That prior to the commencement of f e e s a l l o w e d b y l a w s u b j e c t t o this mortgage foreclosure proceeding redemption within six (6) months from Mortgagee/Assignee of Mortgagee com- t h e d a t e o f s a i d s a l e b y t h e plied with all notice requirements as m o r t g a g o r ( s ) , t h e i r p e r s o n a l required by statute; That no action or representatives or assigns unless proceeding has been instituted at law reduced to Five (5) weeks under MN 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 Stat. §580.07. TIME AND DATE TO VACATE secured by said mortgage, or any part PROPERTY: If the real estate is an thereof; PURSUANT to the power of sale con- o w n e r - o c c u p i e d , s i n g l e - f a m i l y tained in said mortgage, the above dwelling, unless otherwise provided by described property will be sold by the law, the date on or before which the mortgagor(s) must vacate the property Sheriff of said county as follows: DATE AND TIME OF SALE: March 8, if the mortgage is not reinstated under section 580.30 or the property is not 2012 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law redeemed under section 580.23 is Enforcement Center, 1580 Hwy 55, 11:59 p.m. on June 11, 2012, unless the redemption period is reduced to 5 Lobby #S-100, Hastings, MN to pay the debt then secured by said weeks under MN Stat. Secs. 580.07 or Mortgage, and taxes, if any, on said 582.032. MORTGAGOR(S) RELEASED FROM premises, and the costs and disbursements, including attorneys' fees F I N A N C I A L O B L I G A T I O N O N allowed by law subject to redemption MORTGAGE:None "THE TIME ALLOWED BY LAW FOR within six (6) months from the date of said sale by the mortgagor(s), their REDEMPTION BY THE MORTGAGOR, personal representatives or assigns T H E M O R T G A G O R ' S P E R S O N A L unless reduced to Five (5) weeks under REPRESENTATIVES OR ASSIGNS, MN Stat. §580.07. MAY BE REDUCED TO FIVE WEEKS IF TIME AND DATE TO VACATE PROP- A J U D I C I A L O R D E R I S E N T E R E D E R T Y : I f t h e r e a l e s t a t e i s a n UNDER MINNESOTA STATUTES, owner-occupied, single-family dwell- SECTION 582.032, DETERMINING, ing, unless otherwise provided by law, AMONG OTHER THINGS, THAT THE the date on or before which the mort- M O R T G A G E D P R E M I S E S A R E gagor(s) must vacate the property if 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 mortgage is not reinstated under sec- D W E L L I N G O F L E S S T H A N F I V E tion 580.30 or the property is not UNITS, ARE NOT PROPERTY USED IN redeemed under section 580.23 is AGRICULTURAL PRODUCTION, AND 11:59 p.m. on September 10, 2012, ARE ABANDONED." unless the redemption period is Dated: October 11, 2011. reduced to 5 weeks under MN Stat. U.S. Bank National Association Mortgagee/Assignee of Mortgagee Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM USSET, WEINGARDEN AND LIEBO, P.L.L.P. FINANCIAL OBLIGATION ON MORT- Attorneys for Mortgagee/Assignee of Mortgagee GAGE: None "THE TIME ALLOWED BY LAW FOR 4500 Park Glen Road #300 REDEMPTION BY THE MORTGAGOR, Minneapolis, MN 55416 THE MORTGAGOR'S PERSONAL REP- (952) 925-6888 RESENTATIVES OR ASSIGNS, MAY BE 19-2965 REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER ��

PUBLIC NOTICE

�� GAGE: �� None�� "THE TIME ALLOWED BY LAW FOR �� 19 2965 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 20, 2012 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 7, 2011. U.S. 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 19-2965 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, 2012 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 16, 2012. U.S. 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 19-2965 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2881467 1/26/12

PUBLIC NOTICE

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, 2012. U.S. Bank National Association 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 19-3165 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2882775 1/19-2/23/12

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, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $180,000.00 MORTGAGOR(S): Anthony Kimmen and Jennifer A. Kimmen, husband and wife MORTGAGEE: Argent Mortgage Company, LLC DATE AND PLACE OF RECORDING: Recorded: September 13, 2006 Dakota County Recorder Document Number: 2460681 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association, as trustee, on behalf of the holders of the Asset Backed Securities Corporation Home Equity Loan Trust, Series AMQ 2006-HE7 Asset Backed Pass-Through Certificates, Series AMQ 2006-HE7 Dated: September 05, 2006 Recorded: September 03, 2010 Dakota County Recorder Document Number: 2750154 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Argent Mortgage Company, LLC Residential Mortgage Servicer: Select Portfolio Servicing Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1464 Brittany Rd, Hastings, MN 55033-2410 Tax Parcel ID Number: 19-71000-02-060 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 2, Sontag's First Addition, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $221,550.10 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 20, 2012 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 July 20, 2012, or the next business day if July 20, 2012 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 08, 2011 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association, as trustee, on behalf of the holders of the Asset Backed Securities Corporation Home Equity Loan Trust, Series AMQ 2006-HE7 Asset Backed Pass-Through

Asset Backed Pass Through Certificates, Series AMQ 2006-HE7 Wilford, Geske & Cook 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: 016763F02 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for January 20, 2012 at 10:00 AM has been postponed to February 21, 2012 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 10, 2012 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association, as trustee, on behalf of the holders of the Asset Backed Securities Corporation Home Equity Loan Trust, Series AMQ 2006-HE7 Asset Backed Pass-Through Certificates, Series AMQ 2006-HE7 Wilford, Geske & Cook 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: 016763F02 2879211 1/26/12

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 02, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $212,744.00 MORTGAGOR(S): Michael J. Ertresvaag and Amy J. Ertresvaag, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for Cornerstone Mortgage Company, its successors and assigns DATE AND PLACE OF RECORDING: Recorded: January 26, 2007 Dakota County Recorder Document Number: 2491778 ASSIGNMENTS OF MORTGAGE: And assigned to: Countrywide Bank, N.A. Dated: March 16, 2007 Recorded: April 02, 2007 Dakota County Recorder Document Number: 2506847 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1001770-5050002684-4 Lender or Broker: Cornerstone Mortgage Company Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 17095 Foliage Ave, Farmington, MN 55024-9213 Tax Parcel ID Number: 22-20850-05-150 LEGAL DESCRIPTION OF PROPERTY: Lot 15, Block 5, Dodd Park, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $260,004.78 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 09, 2012 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 10, 2012, or the next business day if September 10, 2012 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: January 26, 2012 ASSIGNEE OF MORTGAGEE: Bank of America, N.A., successor by merger with Countrywide Bank, FSB fka Countrywide Bank, N.A. Wilford, Geske & Cook 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: 023822F01 2888367 1/26-3/1/12

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 20, 2005 MORTGAGORS: F r a n k P e r i l l i a n d Sandra J Perilli, Husband and Wife. MORTGAGEE: F i r s t R e s i d e n t i a l Mortgage Corp. DATE AND PLACE OF RECORDING: Recorded August 11, 2005, Dakota County Recorder, Document No. 2349998. ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank National Association. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Residential Mortgage Corp RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 9839 208th Street West, Lakeville, MN 55044 TAX PARCEL I.D. #: 227585001100 LEGAL DESCRIPTION OF PROPERTY: Lot 10, Block 1, The Meadows, Dakota County, MN COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $222,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $240,844.05 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: November 29, 2011 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 29, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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 26, 2011. U.S. Bank National Association 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 19-2840 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 17, 2012 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.

county and state. Dated: November 28, 2011. U.S. 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 19-2840 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 20, 2012 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 19, 2012. U.S. 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 19-2840 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2885665 1/26/12

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 1, 2009 MORTGAGOR: Jason Regan, a single person. MORTGAGEE:Mortgage Electronic Registration Systems, Inc.. DATE AND PLACE OF RECORDING: Recorded June 12, 2009, Dakota County Recorder, Document No. 2663861. ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc.. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100249120000234455 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: MarketPlace Home Mortgage, LLC RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 1077 Smith Avenue South, West Saint Paul, MN 55118 T A X P A R C E L I . D . # : 42-34951-01-050 LEGAL DESCRIPTION OF PROPERTY: Lot 5, and the South 1/2 of Lot 4, Block 1, Icklers Second Addition to South St. Paul, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $135,278.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $134,256.31 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, 2012 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 17, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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: January 17, 2012. CitiMortgage, Inc. 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 10-6831 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2889024 1/26-3/1/12

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 3, 2007 MORTGAGORS: Roger R. Watral and Patricia J. Watral, husband and wife. MORTGAGEE: J P M o r g a n C h a s e Bank, National Association, successor in interest by purchase from the Federal Deposit Insurance Corporation as Receiver for Washington Mutual Bank f/k/a Washington Mutual Bank, FA. DATE AND PLACE OF RECORDING: Recorded September 21, 2007, Dakota County Recorder, Document No. 2545703. 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: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 11125 Alameda Avenue, Inver Grove Heights, MN 55077 TAX PARCEL I.D. #: 20-71300-030-01 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 1, Southern Terrace Estates COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $1,560,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $1,893,779.82 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: June 2, 2011 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 December 2, 2011, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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: April 11, 2011. 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 60-3450 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 December 14, 2011 at

��

postponed until December 14, 2011 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 28, 2011. JPMorgan Chase 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 60-3450 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 25, 2012 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, 2011 JPMorgan Chase 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 60-3450 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 February 29, 2012 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, 2012. JPMorgan Chase 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 60-3450 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2887990 1/26/12

PUBLIC NOTICE

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 28, 2011. 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 18, 2010. Citibank, 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 11-102 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, 2011 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 28, 2011. Citibank, 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 11-102 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 May 27, 2011 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: March 24, 2011. Citibank, 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 11-102 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 July 15, 2011 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: May 23, 2011. Citibank, 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 11-102 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 August 26, 2011 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 14, 2011. Citibank, 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 11-102 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 December 9, 2011 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 14, 2011. Citibank, 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

Minneapolis, MN 55416 (952) 925-6888 11-102 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 20, 2012 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 7, 2011. Citibank, 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 11-102 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, 2012 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 16, 2012. Citibank, 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 11-102 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2881565 1/26/12

PUBLIC NOTICE

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY January 26, �� 2012 �� 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�� MORTGAGE: $157,500.00

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, 2012. U.S. Bank National Association 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 19-3230 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2882852 1/19-2/23/12

PUBLIC NOTICE

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, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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 16, 2012. CitiMortgage, Inc. 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 10-5925 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2889082 1/26-3/1/12

PUBLIC NOTICE

27A ��

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $163,733.59 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 20, 2012 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 July 20, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. 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 21, 2011. U.S. Bank, National Association, as Trustee 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 38-330 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 February 24, 2012 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 19, 2012. U.S. Bank, National Association, 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 38-330 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2886105 1/26/12

You say you didn’t notice until it was too late to do anything about it?

Probably, if you aren’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 “the legals”, it pays you to check the Public Notice columns in this newspaper each issue. What you don’t know might cost you!

THISWEEK NEWSPAPERS Dakota County Tribune 952-894-1111

28A

January 26, 2012 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Dakota Arts Sounds of a career Burnsville horn player keeps busy with gigs big and small by John Gessner DAKOTA COUNTY TRIBUNE

Woodwind player David J. Wright III of Burnsville has earned the right to be choosy. He played saxophone, clarinet and flute with local musicians who supplemented Aretha Franklinâ&#x20AC;&#x2122;s band when the Queen of Soul played Mystic Lake Casino in October. Heâ&#x20AC;&#x2122;s played with Ray Charles, the Temptations, the Four Tops and other megastars, and been a member of the venerated Twin Cities ensemble Sounds of Blackness since 1987. Along the way Wright has picked up odd jobs such as playing in the pit orchestra for productions of â&#x20AC;&#x153;Reefer Madnessâ&#x20AC;? and â&#x20AC;&#x153;A Funny Thing Happened on the Way to the Forumâ&#x20AC;? staged by the Burnsville-based Chameleon Theatre Circle. â&#x20AC;&#x153;Iâ&#x20AC;&#x2122;ll take what interests me versus what I can get,â&#x20AC;? Wright said. â&#x20AC;&#x153;Iâ&#x20AC;&#x2122;ll turn down some gigs if I donâ&#x20AC;&#x2122;t feel like doing it or it has no redeeming features to it.â&#x20AC;? Wrightâ&#x20AC;&#x2122;s next gig is with the Southern Theater in Minneapolis â&#x20AC;&#x201C; a musical called â&#x20AC;&#x153;The Dragons Are Singing Tonightâ&#x20AC;? that runs from Jan. 27 through Feb. 12. â&#x20AC;&#x153;Itâ&#x20AC;&#x2122;s a musical tale of a nasty dragon,â&#x20AC;? Wright said. â&#x20AC;&#x153;And I think

itâ&#x20AC;&#x2122;s geared for ages 4 and up.â&#x20AC;? A Minnesotan for three decades, Wright grew up in Chicago, where his mother had him taking piano lessons by age 7. He resisted at first, but by 13 had decided he wanted to be a musician. Wrightâ&#x20AC;&#x2122;s father, an avid fan of jazz, blues and classical music, owned an impeccable album collection. â&#x20AC;&#x153;I fell in love with Charlie Parker,â&#x20AC;? Wright said. â&#x20AC;&#x153;We only had a two-bedroom apartment. My sister had the second bedroom. So I slept in the living room on the let-out sofa. Thatâ&#x20AC;&#x2122;s where the stereo was, or the hi-fi. I asked if it was OK to put albums on at night at a low level. I fell asleep listening to â&#x20AC;&#x2DC;Birdâ&#x20AC;&#x2122; (Parker) and Miles Davis and Cannonball (Adderly).â&#x20AC;? He and three friends formed a quartet in high school. â&#x20AC;&#x153;We were kind of the jazz nerds,â&#x20AC;? said Wright, who went on to graduate from the University of Wisconsin in Whitewater, where he majored in music education. Moving to Minnesota, Wright joined a friend in a â&#x20AC;&#x153;fusion, pop, R and Bâ&#x20AC;? band called Solstice, whose self-titled album was recently reissued on the Riverman Music label. Solstice doubled as a cover band called Revelation.

Wright also did some substitute teaching before joining the claims department of State Farm Insurance, where he worked for 25 years before being downsized. Wrightâ&#x20AC;&#x2122;s most enduring legacy is with Sounds of Blackness, the genre-crossing vocal and instrumental ensemble that has notched three Grammy Awards and two gold albums since he joined in 1987. â&#x20AC;&#x153;Itâ&#x20AC;&#x2122;s something Iâ&#x20AC;&#x2122;m proud of,â&#x20AC;? said Wright, who doesnâ&#x20AC;&#x2122;t always tour with the Sounds but has performed with them at the Kennedy Center and other notable venues. In addition to his upcoming shows with the Southern Theater, Wright will play with his old pal Bruce Henry on Feb. 18 at the Dakota Jazz Club and Restaurant in Minneapolis. The soul and jazz vocalist from Chicago was a college classmate of Wrightâ&#x20AC;&#x2122;s and a bandmate in Solstice and Revelation. â&#x20AC;&#x153;Other than that, itâ&#x20AC;&#x2122;s just, who knows?â&#x20AC;? Wright said of his performance schedule. â&#x20AC;&#x153;A lot of people say, â&#x20AC;&#x2DC;Let me know where youâ&#x20AC;&#x2122;re playing.â&#x20AC;&#x2122; I just say, â&#x20AC;&#x2DC;Go out and support the arts, and youâ&#x20AC;&#x2122;ll probably see me turn up somewhere.â&#x20AC;&#x2122; â&#x20AC;? John Gessner is at john.gessner@ ecm-inc.com.

Submitted photo

David J. Wright III of Burnsville has upcoming performances at the Southern Theater and the Dakota Jazz Club and Restaurant in Minneapolis. Heâ&#x20AC;&#x2122;s a member of the award-winning Sounds of Blackness ensemble.

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