12/03/2009 - Dakota County Tribune Business Weekly

Foss Swim School moves operation 7A Ellis Photography grows in Rosemount 9A Minnesota Vikings seek stadium deal 12A

DERRICK WILLIAMS JESSICA HARPER TIM HENNAGIR

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DATE ##, 2009 DECEMBER 3, 2009

VOLUME 30, NUMBER # VOLUME 30, NUMBER 40

Dakota County Tribune Since 1884

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It’s all downhill from here

SPOTLIGHT

KERRY SINGH

by John Gessner Photo by Jeff Achen

The Magic Carpet lift, billed as the longest such lift in the nation, is one of the recent attractions at Buck Hill.

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olis, when they signed a lease on the property on Sept. 1, 1954.

Chuck, then 23, was working for his father’s machine tool company after graduating from Dartmouth. Nancy, 22, had graduated from the University of Minnesota and was working for an employment agency. “A good friend got us a blind date because he knew we both loved to ski,� said Nancy, the president of Buck Hill Inc., who still skis there two to three times a week. “There weren’t that many skiers in those days.�

One day over lunch, as they reminisced about a ski junket out West, Chuck said, “Wouldn’t it be fun to own a ski area?�

Through library research, he learned that the Burnsville hill west of what was then Highway 65 (today Interstate 35) was the highest point within a 200-mile radius.

One skiing entrepreneur, Fred Pabst, had tried to make it a commercial ski area in the 1930s, but the decade’s persistent drought doomed the business.

Other investors had also eyed the property for a commercial ski area when Chuck and Nancy signed their deal with Buck Hill’s then-owner, Grace Whittier, the daughter of a Northfield banker.

With partners Sumner Young and Glen Stanley (Chuck’s old skiing coach at Breck

DANE SMITH

Minnesotans should be thankful for taxes that secure and improve the quality of life we enjoy.

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BUSINESS 101

Microbusinesses with only a handful of employees will help us emerge from the economic downturn.

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LISA BAH

CAPITOL COMMERCE

Photo by John Gessner

Buck Hill general manager Don McClure and president Nancy Stone were still waiting for snowmaking weather on a balmy November day.

School and a 10th Mountain Division soldier in World War II), Chuck and Nancy went to work cutting trees and improving the crude trails that had been maintained over the years by a handful of local skiers. Stanley, a carpenter, led construction of a small chalet.

Chuck and Nancy cemented their partnership when he proposed to her on Buck Hill in February 1955. “In ’55, we took in $6,119.50,� Nancy said, reading from a list of old figures. “And in ’56, we took in $6,544.57. ’57, $785. There just

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Minnesota Attorney General Lori Swanson has f iled another lawsuit against a Lakeville chiropractor.

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Lakeville Trophy takes the prize for helping countless organizations and businesses create unique awards for their honorees.

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Since 1954 Buck Hill has survived, thrived and always been on the lookout for something new

Snowmaking equipment revolutionized the ski business for Buck Hill in Burnsville, but nature hasn’t relinquished its grip on the fundamentals.

Relaxing at a table in the chalet on yet another balmy November day, longtime General Manager Don McClure noted that Buck Hill’s 20 computer-operated snowmaking machines don’t run by magic. “You still need it to be below freezing, and in those marginal temperatures in the 20s, you need a dry humidity,� McClure said.

Snowmaking and Buck Hill’s enviable suburban location have sustained the business for a half century. But Buck Hill Inc. has continued to diversify and tinker with its operation, always seeking new ways to raise money in the off-season and pad the bottom line in preparation for the inevitable down years on the slopes. “We fear a bad weather pattern much more than we fear a bad economy,� said McClure, a Buck Hill Inc. shareholder.

Buck Hill’s most recent nonskiing ventures are the Frightmares Halloween attraction, which debuted this fall, and an arrangement with local car dealers to temporarily store autos in its parking lot.

But skiing was the only thing on the minds of the late Chuck Stone and his future wife, Nancy, both skiing enthusiasts from Minneap-

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December 3, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Spotlight

Lakeville Trophy prizes its customers Award-maker is the small operation that is big on selection

by Kerry Singh DAKOTA COUNTY TRIBUNE

The large sign hanging in the front window of Lakeville Trophy proclaims, “We can engrave almost anything.”

Gordy Erickson, owner of Lakeville Trophy, has lived up to that promise.

He has engraved many unusual items, such as a .38 caliber pistol with a DEA logo, steel swords, hunting knives, even a toaster for a wedding gift.

Erickson started his career as a high school industrial arts teacher, went into sales, and then, materials management. During a golf game with the previous owner of Lakeville Trophy, he learned about a business opportunity for sale. At the time, the shop was located in downtown Lakeville, next to Ben Franklin.

“It looked like an opportunity to build the business,” Erickson said.

He and his wife, Laquita, purchased the business in 2002. They operated it for three years in downtown Lakeville, before deciding to relocate to its current location, in Lakeville’s Airlake Industrial Park, four years ago.

“We just outgrew the location. We needed more space,” Erickson said.

Gone are the days when you gave your favorite coach a simple wooden plaque to hang on the wall. The showroom is

crowded with a unique assortment of trophies, awards, medals and plaques in every shape and size. In addition to the clocks, pens, beer steins, apples, glasses, wine bottles, wooden boxes, and bobble heads, there are over 13,000 products in the database that customers can choose from to create just the right memento.

“We are a Ma and Pa operation,” Erickson said. “I do all the etching, sandblasting, and engraving. I enjoy working with my hands. I also enjoy the custom projects we do. Laquita focuses on the front end, doing quoting, accounting, and customer service. We have one full-time employee and one part-time employee.”

Erickson has strong technical skills. He uses rotary engraving, full color sublimation, laser engraving, and the latest technologies, to create custom awards and plaques to meet his customer’s needs.

Lakeville Trophy handles a wide range of customer requests. The company works with many types of organizations, such as athletic leagues, schools, corporations, golf clubs, and civic organizations.

A typical order could be 300 trophies for a soccer tournament, followed by an order for one wooden clock for a special Sunday school teacher.

“We do it all,” Erickson said.

Photo by Rick Orndorf

Lakeville Trophy can emblazon about any surface with one’s message. This one is made for the president of Nigeria.

Photo by Rick Orndorf

Gordy Erickson, owner of Lakeville Trophy, makes awards and trophies of all shapes and sizes.

Recently, he created an 8-foot long wall plaque that included the history of a church and each pastor etched in metal.

He has also engraved 350 plaques for a large manufacturing company in full color on metal in nine languages and shipped them around the world. Each plaque had the company mission statement engraved on it.

Erickson also enjoys working with individual customers.

“A couple of weeks ago, I made a medal for a dad to give his son who was in the fourth grade,” said Erickson.

“It had a picture of his team, a football, and his football team’s scores for the season, engraved on the color disk.

“People don’t buy trophies every day. People don’t know what they want. I like to guide them through the process. People appreciate it when you take the time to help them, versus selling them a plaque. You have to be a business with a heart.”

The promotional products and awards industry can be very competitive.

Lakeville Trophy takes many steps to differentiate its

business from the competition.

“Our business is all word of mouth and referrals, “ Erickson said. “We have a good relationship with our customers. If we can make our customer’s life easier, we

In Brief

Lakeville Trophy is located at 21017 Heron Way, Suite 109, Lakeville. Gordy Erickson can be reached at (952) 469-3323 or by e-mail at info@lakevilletrophy.com. The Web site is www.lakevilletrophy.com.

do it. We deliver trophies to tournaments to save them time. We presort and package the trophies so that it is easier for the customers to distribute them. As a business, we believe in being DIRFT’d - Doing It Right the First Time.”

Erickson and his team plan to continue satisfying their customers at Lakeville Trophy.

“We have a very good reputation for doing quality work and good service. We are proud of that,” Erickson said.

Photo by Rick Orndorf

Lakeville Trophy Owner Gordy Erickson has worked with countless local organizations to create awards for everything from sports competitions to retirement plaques.

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY December 3, 2009

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

Accolades

Business Briefs

LOCAL PHOTOGRAPHER NAMED TOP INTERNATIONALLY

BURNSVILLE COMMUNITY FOUNDATION WALK OF HONOR

Graddy Photography, a studio in Elko/New Market, was named a top international award-winning photographer through an international wedding photojournalist competition.

For fall 2009, Graddy Photography had four international award-winning images and two of them placed first place in two of the categories. Overall, Graddy Photography was named fourth-place wedding photographer internationally.

The winning images can be found on the ISPWP Web site at www. ispwp.com.

Only top photographers from around the world are selected to be a part of this exclusive organization and competitions are extremely competitive. There are only three photographers in Minnesota who have been selected.

Graddy Photography has been in business for four years. Its Web site is at www.graddyphotography.com.

New to Nicollet Commons Park in Burnsville’s Heart of the City is the Walk of Honor. This is a special path dedicated to our military. It will be paved with inscribed bricks with names of currently serving military men and women, and veterans — living and deceased.

A project of the Burnsville Community Foundation, paver sales will begin on Dec. 5, with an announcement at the Tops in Blue performance at the Burnsville Performing Arts Center. Proceeds will support community betterment throughout the city. Foundation President Alan Spillers said this will be a unique opportunity to show support for our military personnel in a way that will have a lasting impact.

The Burnsville Community Foundation is a citizen and business-supported philanthropic organization. It has raised more than $1 million since its founding in 1998. Other projects the organization has sponsored include the Winter Lighting in the Heart of the City, and sculptures in the district.

For more information on how to order a Walk of Honor paver, call (952) 953-7442.

Noteworthy BURNSVILLE RESTAURANT FEATURED ON TV PROGRAM This month, chef Doris LaMott Hoel, owner of Chateau Lamothe, was featured on Showcase Minnesota, a local morning television program on KARE 11.

The Burnsville restaurant was featured as the program’s “Dining Deal.”

LaMott Hoel showed how to prepare the restaurant and wine bar’s signature Boeuf Bourguignon recipe.

Chateau Lamothe is located at 14351 Nicollet Court. For more information or reservations, call (952) 435-7709 or visit www. chateaulamotheevents.com.

NEW CHAMBER MEMBERS TO HAVE GRAND OPENINGS Clothes Mentor, a new member of the Burnsville Chamber of Commerce, will have at ribbon cutting at 8 a.m. Saturday, Dec. 5 at its location at 14629 County Road 11, Burnsville.

M Design Interactive, also a new chamber member, will have a ribbon cutting at 11:30 a.m. Thursday, Dec. 10 and grand opening from 11 a.m.2 p.m. The business is located at 10800 Lyndale Avenue, Suite 100, Bloomington.

STATE OF SCHOOL DISTRICT 191 BREAKFAST SLATED DEC. 8 The State of School District 191 presentation will be from 7:30 to 9 a.m.

Tuesday, Dec. 8 at Diamondhead Education Center, 308 W. Burnsville Pkwy. in Burnsville.

The breakfast will be catered by the Roasted Pear and the cost is $15 per person.

For more information or to register, contact Travis Martinson or Anne Haberman at e-mail travis@burnsvillechamber.com or anne@burnsvillechamber.com.

APPLE VALLEY MAN TO CO-OWN MINNEAPOLIS COMPANY Effective Oct. 9, 2009, the ownership of Ve-Nel Lettering and All Service Screening will transfer from Barry St. Mane to Rolf Holmgren and Denny Hogan of Apple Valley.

For the past 10 years, Hogan has been the president of DJ Hogan Company, an executive recruiting firm in downtown Minneapolis. His background also includes executive leadership positions for a number of manufacturing firms.

Hogan and Holmgren will conduct business as H & H Creative Companies

Business Briefs Inc., while maintaining the operating names of Ve-Nel Lettering and All Service Screening. The businesses will continue to reside at its locations on East 42nd Street and 28th Avenue South in Minneapolis.

For a period of time, St. Mane will work through the transition to ensure a smooth, seamless transfer to the new ownership. St. Mane has been the president of Ve-Nel and All Service Screening for the past 27 years.

Holmgren most recently was a principal at MarketLine Research in Minneapolis. His background also includes leadership positions in advertising, banking, and manufacturing.

RAIL CARS WILL CONTINUE TO BE STORED IN LAKEVILLE Storing unused train cars along Lakeville’s Dan Patch railroad is something that isn’t going to change until the economy picks up, according to Progressive Rail President Dave Fellon.

Fellon spent more than an hour answering questions from concerned Lakeville residents during a community meeting Nov. 23.

The news isn’t what residents who are fed up with having rail cars parked in their backyards wanted to hear, but Fellon did make a commitment to work toward addressing other concerns residents have about the cars, such as safety issues and graffiti.

“Unfortunately, it’s a function of the economy,” Fellon said. “Nationwide, rail freight is down 13 to 26 percent depending on the commodity. That forces a lot of cars into storage.”

Fellon said roughly 300 cars are being stored for their customers along Lakeville’s one exempt railroad, and there’s nowhere else to put them. More on this story is online at www.ThisweekLive. com.

– Derrick Williams

Business Briefs EAGAN COULD CONDEMN FORMER GOLF COURSE LAND The city of Eagan could initiate condemnation proceedings to secure four acres of the former Carriage Hills golf course, which is currently facing foreclosure.

The City Council was set to decide Dec. 1 whether to authorize the city attorney to begin the process of eminent domain on a portion of the property after this edition went to press.

The city has been in negotiations for months with Carriage Hills owner Ray Rahn to purchase four of the property’s 120 acres for a new fire station.

As talks stalled over the division of costs for a new road for the project, the former golf course fell into foreclosure proceedings, according to the city.

Rahn owes money to Vermillion State Bank after taking out mortgages originally totaling about $4.6 million on the Carriage Hills property and his other golf course in Rosemount, according to Dakota County records.

The Carriage Hills property is currently scheduled for a sheriff ’s auction Dec. 8.

A previous sheriff ’s auction scheduled in November was postponed.

For more on this story, go online at www.ThisweekLive.com.

– Erin Johnson NONSMOKING APARTMENT BUILDING TO OPEN THIS SPRING A nonsmoking building will open this spring on the site of a Burnsville apartment building destroyed by a preChristmas fire last year.

The 56-unit Parkwood Pointe building on Parkwood Drive south of Highway 13 will become one of more than 350 smoke-free apartment buildings in Minnesota.

More on this story is online at www.

ThisweekLive.com.

– John Gessner

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 tad.johnson@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

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December 3, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

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

Thankful for many things, including taxes

by Dane Smith SPECIAL TO THE TRIBUNE

I hope that you gave thanks on this 388th anniversary of the Plymouth Colony’s first Thanksgiving to be living in the United States of America, and to be Minnesotans, and also were grateful for all those taxes that pay for some of the best governments on earth.

Of course, we also should be thankful for our free-enterprise system. Despite the Wall Street blunders and the random acts of greed that fed one of the worst crises in our history, most business folks are responsible and their innovation and ambition provides the material abundance symbolized by that iconic Thanksgiving cornucopia.

But government plays a vital role too.

Despite the venom issuing from the government bashers and the tax protesters these days, our taxes and our governments – every minute of every day and every which way – are providing a foundation for prosperity that is just as important as the profit motive.

Here are a just a few mundane and grand things for which we can thank taxes and governments: • Your turkey and all that other bounty on the table was safe to eat, thanks in part to governmental oversight of food processing, and the Metropolitan Council’s sewage treatment system kept tons of discharge from Thanksgiving Day garbage disposals from fouling our environment.

• Also close to home and the dinner table, first-rate epidemiologists (government employees) in Minnesota got

Guest Columnist Dane Smith

national attention in recent years for tracking down the origins of various e coli outbreaks and other threats to national health. Experts have long known that it’s low-cost public health measures – clean water, immunizations, pre-natal care and preventive measures – that are primarily responsible for the dramatic improvements in our longevity over the last century. Taxes literally have lengthened our lives and improved the quality of them.

• All of us at the table were more secure because millions of women and men in uniform represent the strongest military force in the world, a halftrillion dollar annual taxpayer expense.

We might not approve of the war in the Middle East, but most Americans would prefer to be powerful than weak or mediocre. We can’t play that role, and we couldn’t be taking on religious extremists and dictators, and couldn’t have won the Cold War, without trillions in taxes.

• If somebody were to choke at the Thanksgiving table or have a heart attack, our local governments’ first-responders, police and paramedics and fire department folks, likely would be there within minutes. This kind of service was unheard of in the lower-tax economy of 50 years ago. Business innovation and

communications technology are part of the story, but public investment in research and science were fundamental.

• If there was somebody over the age of 65 or 70 at your table, they probably are living a little better than they otherwise would because of taxes. Our hospitals and assisted living facilities and economic security systems depend on government. Social Security and Medicare often are represented as big, intractable cost-drivers, but their financing is easy enough to fix, and these investments largely are responsible for a dramatic decrease in elderly poverty and increased quality-of-life over the last century.

• If there was somebody under the age of 25 at your table, they likely are benefiting directly and recently through hundreds of billions of dollars invested in education and human development.

Teachers, professors and counselors and early childhood workers impart knowledge and skills to 65 million Americans every year. And taxpayer-financed universal public education was the single most important factor in our nation’s rise to wealth and power. Minnesota’s pre-eminence has much to do with investing more and more intelligently in public education than most other states over many decades.

Government screw-ups make the headlines and it’s good to be skeptical and constructively critical of our government policies. But the story of our taxpayer-financed accomplishments and successes could fill volumes, from the NASA program to funding for mentally

Minnesotans must advocate for education funds or see reductions The Minnesota State Colleges and Universities system is struggling to educate more students with fewer dollars from the state.

This year, 198,792 students at Minnesota’s two-year and four-year colleges are paying half the cost of their tuition, with the state paying the other half.

Soon, students could be paying 60 percent of the tuition, as costs go up and state aid goes down.

In the past, the state had promised to pay two-thirds of the cost per student.

Had it not been for federal stimulus aid this year, tuition could be even higher.

The revenue from the state has been declining. For fiscal-year 2009, the Minnesota Legislature allocated $682.4 million only to have Gov. Tim Pawlenty unallot $20 million.

For this biennium, the Legislature allocated $1.3 billion after a $50 million unallotment, a loss of $98.2 million from the previous biennium.

This biennium MnSCU did receive $79.2 million in federal dollars that off-

ECM Editorial set the loss.

As a consequence of these cuts, students are paying $180 per semester credit, or $720 for a four-credit course.

The average tuition for students in four-year colleges is $6,000 and $4,000 in two-year community and technical colleges. The objective for next year is to cap the tuition increase at 3 percent.

In the recent past, the state college system has either laid off or not filled 550 positions, due to loss of state aid and an attempt to keep tuition fees lower.

Enrollment across the state in colleges and universities, excluding the University of Minnesota, is up, despite the costs. Enrollment is up 12,641 students, a 7 percent increase over last fall.

Critics will say college students should pay at least half or more of the tuition, because they will get the benefits of a college education in job opportunities.

Enrollment is going up because students are re-tooling their skills and some are studying for new careers, due to the severe recession. The average age of students is 26 years.

At the same time, some colleges are running out of space, accounting for waiting lists for some classes.

Support for the $301 million building bond requests in the next session of the Legislature is crucial.

Legislators are content to give less to the state’s public two-year and four-year colleges, because students and parents are not complaining about the reduced funding.

Until legislators hear more from students and parents about the need for more funding, legislators will continue to reduce state aid for these important colleges and universities educating thousands of students.

This editorial is a product of the ECM Editorial Board. Thisweek Newspapers and the Dakota County Tribune Business Weekly are part of ECM Publishers.

Submissions to Forum: www.DakotaCountyTribune.biz

handicapped kids, from Local Government Aid (check out the website thankLGA.org for an overview) to my personal life-enriching favorite amenities, the Minnesota History Center, and the Hillcrest Recreation Center in my St. Paul neighborhood and the Boundary Waters Canoe Area.

Thinking about these things carefully makes the anti-government rage look a little silly, but it also reminds one that we get what we pay for, and we might need to pay a little more in the very near future.

Income tax rates at the state and federal level were cut too deeply a decade ago. National debt is growing too large, after moderate tax increases erased it in the 1990s. We are at war in the Middle East. An older nation will need more economic security. And growing inequality, which often correlates to smaller government, has created needs for equalizing educational opportunity in low-income families.

We need to pay our dues and we need to invest more in public goods and services, and we need to be thankful, not fearful, for the taxes that we pay to some of the most legitimate and effective governments the world has known.

Dane Smith is the president of Growth & Justice – a non-partisan advocate for fair taxation and smart public investment.

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 Editor .....................Tad Johnson Sales Manager ........................Mike Jetchick Production Manager............. Ellen Reierson Business Manager.................... Eva Mooney

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

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

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

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

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY December 3, 2009

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Best Practices

Secrets to success from a 6-figure work at home mom

by Ann K. Levine SPECIAL TO THE TRIBUNE

My office is 10 feet by 10 feet. My desk is covered with bills, knitting needles, photos waiting for albums, stamps, envelopes for mailing books, chocolate covered espresso beans, Crayola Color Explosion markers, thank you notes, a Hello Kitty pencil, and a magazines I haven’t had a chance to read.

My daughters slip checkers under the door as I work.

They knock – persistently - to inquire as to whether they can have string cheese. Occasionally, they do this while I’m on the phone with a client. Yet, I run a million dollar business under these conditions, and I am my sole employee.

How do I do it?

I have six secrets to managing everything that comes with being a WAHM (Work at Home Mom). Whether you have a paying job or the full time job of running your household, these tips will help you manage your life in a way that allows you to enjoy what you do.

1. Delegate. Figure out what needs to be done by you and what can be done reasonably well by someone else. I want to be the person who takes my kids to school and sees my kindergartener line up when the bell rings. I do not need spend six hours making cookies for the PTA bake sale just to raise $25 for

Guest Columnist the school. My time is better spent working so I can earn the $25 and donate it to the school.

I do not need to be the person who returns things to stores and runs to the drug store. I found a great errand running service that helps me grocery shop and take items to the tailor and dry cleaner when I do not have time.

I also have a SAHM (Stay at Home Mom) friend who wants to make extra money so she will run some errands for me and mail out my books from home when someone places an order on my website.

If you do not have money to spend on this kind of help, find a friend who always does Costco or Target runs and ask her to pick up a few things for you and agree to watch her child or walk her dog in return.

2. Use the stopper. Do you feel like time runs out of your day like water down the bath drain?

Find the leak and stop it.

I used to complain I had no time to get to the gym, but I knew I was spending an hour and a half each day on Facebook and Twitter and probably another 30 minutes browsing for things I couldn’t afford (or just flat out would

never buy) online.

I cut myself off of these activities for a week, and found I could return and just spend 20 minutes a day on my online activities.

Facebook and Twitter is work related for me, so I can justify that investment. With the “extra� time, I actually make it to Pilates class twice a week.

Evaluate where you are wasting time and just delete it.

I actually decided – after three seasons of dedication – to forego “Grey’s Anatomy� so I have time to read and participate in a book club with a group of dynamic, inspiring women. I’m even considering giving up “American Idol� this season!

3. Retain Focus. During my busy season with work, I stop making play dates – for myself and for my kids. No more lunches or coffee dates with friends. Unless someone wants to go along on my weekly 3-mile run, my friends know to count me out of things three months out of the year. I make up for it by taking them out for really nice dinners on their birthdays, and I try to say hello on Facebook, but I make no plans.

I protect my schedule so

I can focus on work when I need to be working. I do not schedule routine doctor appointments for me or the kids during my busy months.

Also, I never schedule workouts or meetings for the nonprofit board that I chair on Mondays because I anticipate that I’ll have more emails and phone calls waiting for me after the weekend.

By scheduling myself according to what I can handle, I avoid feeling overwhelmed on a daily basis.

4. Block Your Time. Designate time for priority activities by blocking it out on your calendar. I want one afternoon a week to spend with my girls when I do not have to work. I work only a half-day on Fridays to take my daughters out for frozen yogurt, to the library, or to the park.

Friday afternoons are light work days and usually unproductive due to exhaustion.

I’m in need of a break and so are my kids. I don’t schedule anything on Friday nights because that’s family time to have a quiet evening at home.

Nothing goes on my calendar on Friday after lunch.

I commit myself to classes at the gym by putting three on my calendar every week.

I don’t schedule phone calls or meetings at those times so I have no excuses not to go.

I schedule calls with people on e-mail and Facebook in-

stead of playing phone tag so I know when I’ll have time to concentrate on larger projects without the phone being a constant interruption.

5. The Rule of One. I only let my daughters do one extracurricular activity. Not per day – per semester. Twice a year, each child gets to pick whether she wants to do ballet or soccer or art or swimming. Therefore, I’m not running around town with my head cut off on a daily basis.

I stick to the same rule myself. I sit on only one nonprofit board at a time. I belong to only one book club at a time.

I say “no� to things that do not really interest me; I never feel obligated to sell raffle tickets for the preschool or attend parent meetings on a regular basis. No one seems to mind, or label me a neglectful parent, and everyone seems very happy to accept my financial contributions and presence when I am able to arrange it.

I keep errands located downtown on the same day (lunch meeting, nail appointment, store return, tailor) so I am only running errands one time per week rather than taking an hour out of my day every day.

If I have a board meeting or lunch with a friend, I schedule no other out-ofoffice time that day.

My workout has to be the

next day, and my dentist appointment has to be the day after that. That way, I can still be productive for five-six hours that day, rather than have any particular day end up a complete waste.

6. Invest in Others. Rather than just say hello to the other moms at drop-off and go about your day, make an effort to get to know one new person each week.

Pick the person who always smiles at you, whom you always say hello to but aren’t quite sure what her name is or which child is hers. Really ask her about herself and take ten minutes to learn her story.

She might be the person who ends up inspiring you most.

You might learn that she also takes care of aging parents, or that her husband is overseas, or that she is the marketing director for some huge company.

Take inspiration from the stories you hear and remember that we are all busy – it’s about how you handle the busy-ness, and business, of life that matters.

Ann K. Levine is a work at home mom, law school admission consultant and owner of Law School Expert. Levine’s blog www.lawschoolexpert. com/blog is a guide through the daunting law school application process.

Public input sought on plan to restrict use of Vermillion River

Photo by Gil Martinez Images

Lakeville Area Chamber of Commerce Executive Director Todd Bornhauser (left) and Marie and Bob Koons, owners of Advanced Wireless Communications, celebrated a jewel of a night at Brackett’s Crossing Country Club on Oct. 30 for Lakeville Chamber’s annual fall gala fundraiser. The event’s silent and live auctions raised over $16,000. Door prize winners were Kathy Andrade, big screen TV; Danielle Emerson, $800 Schneiderman’s gift card and Heidi Mazzucchi $750 diamond tennis bracelet.Â

Dakota County is planning to develop a Vermillion River Watershed Corridor plan focused on protecting wildlife and improving water quality by restricting use.

Public comment on a draft of the plan is sought during Dakota County workshops on Dec. 2 and Dec. 7 from 6:30 p.m. to 9:30 p.m. at the County Extension Offices in Farmington.

Both meetings will have the same agenda, including a review of draft concepts for the full corridor, implementation ideas and sug-

gestions for potential pilot projects.

The plan is expected to be in place by next spring.

Proposals include keeping cattle from direct access to the river or its major tributaries, and the possiblity of limiting canoeing or kayaking in the river and major tributaries, according to Al Singer, Dakota County land conservation manager.

Singer said kayaking and hiking could cause riverbanks to destabilize and the water to turn cloudier, as well as cause conflicts with anglers as people get in and

out of boats.

Landowners along the river have also complained that boaters have at times trespassed onto private property.

Singer said use of motorized equipment is likely to be allowed, but only if it doesn’t create ruts or cause erosion. “We’re trying to create these buffers that are going to be protective of water and the habitat, but also meet the needs of landowners and public land users,� Singer said.

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December 3, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Business 101 Microenterprise entrepreneurs are foundation of economic recovery

by Lisa Bah SPECIAL TO THE TRIBUNE

Make It Happen

In Brief

Lisa Bah

as turning a dream into reality on a barebones budget.

Some of us become self-employed by intention, others out of economic necessity.

More than half of our small businesses provide services to others; a third are in the retail industry; artisans make up the balance.

According to the Association for Enterprise Opportunity, Dakota County had nearly 33,000 microenterprises in 2006, the latest year where statistics are available.

More than 10,000 of these businesses have 1–4 employees, not including the owner.

While not readily recognized, microenterprises account for almost 88 percent of all businesses, even though the bigbox retailers and food chains are better known.

It’s time to patronize the majority and renew our commitment to trusting our neighbor’s sense of business while becoming less dependent on corporate chains.

Commit to buying from the shop down the street, hiring local contractors and using local service providers. After all, they are the backbone of

November average gas prices United States Monthly Avg: $2.65 Minnesota Nov. 30 Avg: $2.54 Monthly Avg: $2.61 Duluth Metro Nov. 30 Avg: $2.59 Monthly Avg: $2.64 Minneapolis-St. Paul Nov. 30 Avg: $2.52 Monthly Avg: $2.58 Rochester Metro Nov. 30 Avg: $2.55 Monthly Avg: $2.59 St Cloud Metro Nov. 30 Avg: $2.54 Monthly Avg: $2.59

our community.

How did we get to the point where many people now trust national brands more than their neighbors?

It’s marketing, plain and simple. Because the typical microenterprise owner has an exceedingly small advertising budget, they might have to limit their marketing to simply passing out business cards, which means that they must depend on positive word-of-mouth. The big boxes of the world, on the other hand, inundate us with advertising.

Thankfully, we’re seeing a renewed commitment to microenterprise as we try to rebuild a crumbling economy.

The White House and Congress embrace microenterprise as an industry worthy of recognition and support.

More and more national and state leaders view entrepreneurship as an effective strategy for boosting income, reducing poverty and revitalizing communities. Helping entrepreneurs gain entrance to the mainstream financial system as their businesses grow makes sound economic

gesting strong growth while others, most notably unemployment, paint a more pessimistic picture. Oil prices are reacting to this mixed bag in a somewhat similar fashion.

When a weak dollar combines with positive economic data, oil prices flirt with and occasionally pass $80 per barrel. When the dollar shows strength and economic data is more negative as a whole, oil prices retreat toward $75 per barrel. Oil has traded between $76 and $82 for more than a month under this paradigm.

For more information on fuel prices across the country, visit www.AAAfuelgaugereport.com.

and foster the right attitude for success. Many people already have the skills required to start a business, but sometimes making a business work is as much about mindset as capital.

I’ve seen service-oriented businesses not only survive, but thrive with just a few hundred dollars in start-up funding. I’ve watched an entrepreneur whose only equipment was a laptop and a calm, impartial demeanor build a six-figure company by mediating for others. Another story I know features a wife and mother who wanted to keep her teens occupied throughout the summer. She took a family recipe and cooked at a friend’s restaurant afterhours, sending her kids out six days a week to sell her products at area farmer’s markets. Every penny of profit went toward her children’s college educations.

The bottom line is that you don’t need significant financing to generate addiLisa Bah is director of tional household income and business and management and meet financial goals. Micro- Apple Valley site coordinator enterprise is a perfect fit for for Dakota County Technical anyone who wants to start a College.

by Rhonda Whitenack and Jim Czechowicz SOCIAL SECURITY IN MINNEAPOLIS AND ST. PAUL

Improvements to one of the most popular online services in government — the Retirement Estimator, located at www.socialsecurity.gov/estimator — allow more people than ever before to get a personalized and instant estimate of future Social Security retirement benefits. Since its launch last year, the Retirement Estimator has provided more than 4 million personalized estimates, and is one of the most highly rated online services in government. The most recent customer satisfaction numbers are at an all-time high.

The latest report from the American Customer Satisfaction Index for EGovernment ranks the Retirement Estimator as the top service at 91 percent.

It is followed closely by Social Security’s online retirement application, with a 90 percent customer satisfaction rating and the Medicare Extra Help application, with an 87 percent rating. These three Social Security services are the top three online services in government.

You may be wondering: if the Retirement Estimator is the most popular online service in government, what can be done to improve it?

One major improvement is that more people will be

able to use it.

Previously, people who had not yet filed for monthly Social Security benefits but who were already enrolled in Medicare were not able to take advantage of the service. Now they can.

So if you have Medicare coverage but have delayed filing for your Social Security benefits and you would like to get an estimate of your future benefits, just visit www.socialsecurity. gov/estimator.

Other improvements are coming soon. Next year, the Retirement Estimator will be the first online service available in Spanish.

Would you like to get an immediate and personalized estimate of your retirement benefits right now?

After a sharp rise in October, gasoline prices across Minnesota fell slightly in November as abundant supplies of gas and oil offset improved consumer optimism and a continuing weak dollar.

The average price for a gallon of self-serve unleaded gasoline in Minnesota ended the month at $2.54, 13 cents below the Nov. 1 average, according to AAA’s daily Fuel Gauge Report.

Last year at this time, the average stood at $1.73.

Energy prices continue to remain sensitive to news on the economy.

Recent economic data has been decidedly mixed, with some leading indicators sug-

business while maintaining other employment, or who wants to incur minimal debt during the startup phase. Microenterprise also the foundation of economic recovery— for individual households and our community as a whole.

Most microenterprise owners have discovered that the only way to be competitive is to offer exceptional customer service and better products at competitive prices. They depend on the community to “buy local� so they can create more jobs, improve the local economy and keep money flowing through the community. Microenterprise also benefits fire and police departments and supports schools by enhancing the local tax base.

We need to start putting our trust and money into local business—whether we’re patronizing our neighborhood establishments or opening our own doors of entrepreneurial opportunity.

With our help, a local startup can transition from a microenterprise with five or fewer employees into a prosperous, growing business with the capacity to employ far more people.

Retirement estimator works even better than before

Nov. 30 Avg: $2.63

Gas prices stabilize on mixed economic data

sense.

At a more local level, Dakota County Technical College hosts a Small Business Development Center at the college’s Apple Valley site, which has become a hub in the south metro where many microenterprises are born and nurtured. As a SBDC counselor, I meet a variety of people—some with a dream who need to boost their self-confidence, and some with limited cash who need to build their job knowledge or personal skills.

Others are on the cusp of creating an innovative business model, but may need assistance with cash flow analysis or product marketing. All micropreneurs have something in common—the burning desire to harness their skills and interests— and then morph them into a moneymaking venture.

Businesses of all kinds can be started on a proverbial shoestring. Because education can make all the difference, DCTC offers a variety of short-term training and entrepreneur courses that focus entrepreneurial energy

Every day, we hear gloom and doom in the news—Minnesota’s employment is hovering around eight percent, the economy isn’t rebounding as quickly as hoped, and there are more dislocated workers searching longer for new careers. It’s enough to make many people feel like they’re in a financial tailspin.

One solution to our economic troubles often suggested by experts both public and private is entrepreneurship, especially small-scale entrepreneurship. Whether you’re looking to reinvent yourself by opening a business, or solidifying the local economy by patronizing the “little guy� instead of the nearest chain store, microenterprise entrepreneurship is the way to go.

Granted, the words microenterprise or entrepreneur might not fly across everyone’s radar, but there are 20 million of us across the U.S.

By Small Business Administration (SBA) standards, a microenterprise must have start-up costs of $35,000 or less, and have five or fewer employees. The majority of microenterprises are launched by women, minorities, recent immigrants, disabled persons and people who have limited access to traditional business credit.

Think of microenterprise

If you have a subject you would like to see the Make It Happen columnists explore, contact Chris Hayes at (651) 423-8266, or chris.hayes@dctc.edu.

To get an estimate, you’ll need to enter your first and last name, date and place of birth, Social Security number, and mother’s maiden name.

If the information matches Social Security’s records, the Retirement Estimator combines this information with the information that Social Security has on record, including your yearly earnings, to provide a quick and reliable online benefit estimate.

While you’re checking out the most popular online service in government, try out some of our other online services and information as well. You can find it all at www.socialsecurity. gov.

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY December 3, 2009

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Foss Swim School closing Lakeville location Closure a trial run to consolidate school’s Lakeville operations with its Savage location; reopening not out of question

by Derrick Williams DAKOTA COUNTY TRIBUNE

Earlier this month, Susan Foss had a meeting with the employees at her business’ Lakeville location to give them some bad news.

Foss Swim School was cutting the number of its metro swim school locations from seven to six.

Lakeville’s teaching pool would be closing at the beginning of the new year and its operations consolidated with its Savage location 7.2 miles away.

“It was tough,” Foss said.

“But I feel pretty good from the standpoint that talking to the staff at Lakeville, they were pretty understanding and knew it wasn’t a decision we rushed to.”

Foss said the closure was

a business move designed to save money.

“In this economy, right now, it makes sense,” Foss said. “The economy plays a big part in it and as a business owner, we’re looking to minimize expenses.”

With the Savage site less than 10 miles away, and

considering the Lakeville location’s space is smaller than most of the other metro locations, consolidating makes a lot of sense, Foss said.

The closure may not be permanent, though. Foss described the closure as a “trial.”

She said the shallow, warm-water pool can’t be re-purposed, and they can’t really lease the space.

“We’ll see how it goes,” Foss said. “We might go back there after we regroup, so who knows.”

The news was announced in a letter to the school’s customers – mostly parents of children taking swimming lessons – in early November.

Foss said most parents have been understanding.

“The overwhelming majority of people have been supportive,” Foss said.

“We’ve had a high rate of return for winter programs.”

Officially, the swim school will be consolidating the Lakeville location’s operations and programs with its Savage location by Jan. 1, 2010, according to Foss.

Most of the Lakeville teachers and employees have been offered employment either at the Savage location or other locations, Foss said.

“We have a good handful

of instructors moving over to the Savage school,” Foss said. “The Lakeville location and its instructors have a wonderful reputation.”

Overall, Foss said, the swim school is doing well, despite the closure.

“Luckily, with all the different activities families are looking at, swimming lessons remain pretty high on the list of things parents want to spend money on,” Foss said. “I have to say I’m thankful. We’ve done OK

these last couple years.”

For more information about Foss Swim School, visit www.fossswimschool. com.

Derrick Williams is at derrick.williams@ecm-inc.com.

Highview Hills earns rebate for energy efficient senior living Minnesota Energy Resources awarded Highview Hills by Walker, with rebate checks for energy-efficient natural gas equipment installed in their new senior living community in Lakeville.

Highview Hills is a new senior living community that offers independent living, assisted living and memory care services.

Under the Minnesota Energy Prescriptive Rebate

program, Highview Hills qualified for a rebate of over $9,600 for their 95 percent efficient hot water boilers.

“With the increased boiler efficiency we were able to install two boilers rather than three,” Abe Hofmeister, senior project manager for Welsh Companies, said.

Highview Hills also used Minnesota Energy Resources’ Custom Rebate program for the buildings’ water heaters.

By installing 93.7 percent efficient heaters they qualified for a rebate of over $6,300, which brought their investment down to a oneyear payback as compared to standard water heaters.

For more information on rebate opportunities through Minnesota Energy Resources, visit the Web site to download applications: www. minnesotaenergyresources. com.

Photo submitted

Abe Hofmeister, senior project manager for Welsh Companies and David Smith, housing director for Highview Hills receive a check from Jeff Larson, external relations manager for Minnesota Energy Resources.

8A

December 3, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Employers are at the heart of ProAct Three local companies are honored for efforts in employing people with disabilities

by Erin Johnson DAKOTA COUNTY TRIBUNE

ProAct Inc. has named three local businesses its 2009 Employers of the Year for their efforts in employing people with disabilities.

ProAct, a nonprofit organization based in Eagan that serves people with disabilities, gave the awards to T.J. Maxx of Eagan, Rapala of Eagan, and Apothecary Products of Burnsville.

The recipients were recently honored before a crowd of nearly 600 at a banquet in Oakdale.

“Employers are at the heart of ProAct’s mission,” said ProAct President Steve Ditschler. “The work they provide is invaluable to ProAct’s individuals, and we salute them.”

ProAct is dedicated to serving people who experience barriers to employment and self-sufficiency due to intellectual and developmental disabilities, physical disabilities, mental health, traumatic brain injuries, and other challenges.

The three businesses that received awards each employ ProAct workers, who either work at the businesses themselves or perform contracted production work on site at ProAct. The employers pay ProAct, which distributes wages to its employees. ProAct itself pays for employee benefits.

Getting businesses to hire disabled workers can be a challenge, said ProAct Director of Programs Carolyn Dobis.

“Sometimes you have to work at explaining the advantages: The employer is not paying for any benefits, and the employer is always guaranteed an employee,” she said. “No matter what, we’ll be there.”

Employers may also be able to earn tax credits when hiring individual employees with disabilities who meet the eligibility requirements, according to ProAct. There are many advan-

Submitted photo

Nat Reidel from ProAct (right) congratulates the ProAct Business Partner Employer of the Year, Apothecary Products, which was represented by Ken Halvorsen, who heads the company’s master scheduling and forecasting area. tages for the employees, too, Dobis said.

“It allows them the opportunity to be working in the community,” she said.

“For those that have more involved disabilities, they might not get that opportunity. They also get paid more, and it’s better for their self esteem. It’s being out in the real world.”

Eagan’s T.J. Maxx has been working with ProAct for eight years.

“They’re always very caring and patient with our people,” said Ken Gray, a ProAct coordinator of vocational services.

The store hosts ProAct job tryouts for several positions, including stocking, processing, fitting rooms, cashiering and maintenance, Gray said.

“They’ve also hired some of our individuals to work independently there, so that’s been absolutely wonderful,”

Dobis said.

T.J. Maxx Operations Manager Barbara McGregor said the store sets up a comfortable environment for ProAct workers where they can learn new skills.

“It’s a win-win situation for both of us,” she said.

Rapala, a fishing-lure manufacturer with a distribution center in Eagan, currently employs a ProAct crew of about 15 workers.

Overseen by two ProAct staff members, the workers are responsible for packaging products headed to 43 Walmart distribution centers.

Staffing flexibility has been a highlight for Rapala, according to Rapala Distribution Manager Jim George.

“I know we have a very good partnership and it’s grown,” he said. “They’re excellent in terms of communications. They have always been able to provide for our

needs.”

The third award recipient, Apothecary Products, is a major pharmacy supplier located in Burnsville that regularly contracts with ProAct. The nonprofit’s production center handles Apothecary products that help administer medications and vitamins.

Kent Halvorsen, who heads Apothecary’s master scheduling and forecasting area, said ProAct has three primary strong points that have made an impression: quality, communication and customer service, and the turnaround time for jobs.

“I hope our relationship in business keeps growing as they’ve been a good partner so far,” he said.

For more information on ProAct, visit www.proactinc. com.

Erin Johnson is at erin.johnson@ecm-inc.com.

USDA offers low-interest home loans in rural communities Residents in rural Dakota County looking to purchase a new home may be surprised to learn that the only nodown payment programs still available are offered through USDA Rural Development.

First-time homebuyers may also qualify for a tax credit of up to $8,000.

Last year, USDA Rural Development provided Minnesotans with over $292 million in guaranteed and direct loans to help over 2,600 families living in rural communities become homeowners, many of whom now own their first home.

USDA Rural Development has funding available in two low-interest, nodown-payment home loan programs. Loans and some grants are also available to help families make needed repairs to their homes.

Eligible homes must be located in a community of 20,000 people or less. The home can be existing or new construction. Existing homes must be structurally sound

and the property cannot have any income-producing outbuildings.

The maximum direct program loan limits for a single family home in Scott and Dakota Counties is $225,400 (not all of Scott/Dakota is eligible). Approval for the maximum amount is based on household income and monthly debt obligations. No down payment is required and a portion of the loan closing costs may be included into the loan.

Under the direct loan program, an applicant may be eligible for payment assistance, which would subsidize the interest portion of the house payment down to as low as one percent, making the overall monthly payment more affordable.

For more information, call the Faribault Area office at (507) 332-7418, ext 4, or visit the office between 8 a.m. and 4:30 p.m. at 1810 30th St. NW, Faribault. More information can also be found at www.rurdev.usda.gov/mn.

Right-of-way valuations add $5.68 million to project costs According to Dakota County officials, right-ofway settlement costs were $5.67 million over budget for business properties taken for reconstruction of the County Road 70/I-35 intersection in Lakeville.

In addition, construction costs for the project are anticipated to overrun estimates by $700,000 due to plan errors and omissions.

According to the county, the Minnesota Department of Transportation incorrectly tabulated the quantity of items needed for the project or neglected to add in the cost of installing and removing culverts to drain water as construction was under way.

MnDOT also added about $54,000 to the cost of the project by requiring additional guardrail, pavement and subgrade on I-35.

Property values were appraised at $9.5 million and

$10 million was budgeted for purchasing right-of-way, but settlement amounts averaged 59 percent above the appraised value, or $5.7 million over original appraisals and $5.2 million over the budgeted amount.

To fund its portion of the added costs, Dakota County is proposing using $1.5 million in funds planned for demolition of the Rock Island Swing Bridge, now planned to be preserved by Inver Grove Heights.

In addition, the county plans to use $450,000 it has available in 2009 right-ofway funds, and $1.3 million budgeted for a road project that will now be paid by the American Recovering and Reinvestment Act grant.

The city of Lakeville has included its share of the costs in its current budget, and the county is seeking more funding from MnDOT.

Not all gift cards are protected by state law According to the National Retail Federation, gift cards are going to be this year’s most popular holiday gift.

For consumers who purchase gift cards with hidden fees or expiration dates, however, they could again be this year’s biggest holiday rip-off.

In Minnesota, a 2-yearold state law has offered some important protections to Minnesota consumers by prohibiting expiration dates and fees on gift cards.

But the law only goes so far, according to the law’s

chief author, State Rep. Joe Atkins of Inver Grove Heights.

Atkins, who chairs the House Commerce Committee, warns that to get their money’s worth, holiday shoppers in Minnesota should: • Avoid bank cards and cards issued by credit card companies, which are subject to federal law and still have fees and expiration dates.

• Look closely at the card - even though it may look like it comes directly from the retailer, the small

print may reveal it is a bank card with fees and an expiration date.

• Avoid cards where you can see the number on the card before purchasing it - these cards are popular with cyber-thieves who use the number to make online purchases without having to buy the card.

According to the most recent National Retail Federation gift card survey, it is estimated that holiday shoppers will spend over $23 billion on gift cards this holiday season alone, making it far and away the

most popular holiday gift.

“Gift cards are great,” said Atkins. “But rather than being the gift that keeps on giving, they can often be the gift that keeps on taking. Expiration dates and fees erode the value of the cards, sometimes leaving the recipient with nothing. That’s why we passed Minnesota’s law, and why consumers need to be careful about what sort of gift cards they purchase. Consumers ought to get what they pay for.”

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY December 3, 2009

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Photo business has new location and owner, same name and values Ellis Photography, formerly of St. Paul, finds success in Rosemount

by Jessica Harper DAKOTA COUNTY TRIBUNE

When Heather Northrup took on a consultant position at Ellis Photography in St. Paul 12 years ago, she never imagined she would one day own the business.

At the time, she was studying psychology at North Dakota State University.

However, she fell in love with the art and was eventually hired as a full-time photographer.

“Being in the field and the respect I had for other photographers made me interested in doing it myself,” she said. “I like that I am able to illustrate families and relationships in a way that is exciting and fun.”

Northrup purchased the business, which specializes in wedding, portrait and commercial photography, and moved it to Rosemount in 2008 after its founder, Steven Ellis, died of small cell lung cancer.

Although Northrup moved it to a new location and gave it a modern look, she kept the same name in Ellis’ honor.

“I had a lot of respect for him,” Northrup said. “He was a perfectionist in that he set the bar high for what we did and still do here.”

In addition to keeping the name, Northrup said she maintained the same values, such as pricing and customer service.

Northrup said she changed prices slightly to be competitive in the new market, but that Ellis Photography continues to fall within the upper-middle end of the price scale when compared to the competition.

Family portrait sessions range from $65 to $150.

Wedding packages and hourly rates range from $800 to $4,500, and graduation portraits range from $50 to $175.

Executive portraits and other commercial photographs make up a small portion of the business and vary in price.

Photo by Jessica Harper

Owner Heather Northrup chose a modern decor when she moved Ellis Photography to Rosemount, which was a change from the classical look the business had in St. Paul.

Photo by Jessica Harper

Heather Northrup purchased Ellis Photography two years ago and moved it to Rosemount. Although the business has a new owner and contemporary feel, the name and values remain the same.

Northrup said she decided to move the business from Snelling Avenue in St. Paul to Rosemount because she wanted a change in atmosphere.

“The neighborhood was not moving in the right direction,” she said. “I wanted a safe location where I know my neighbors.”

Northrup, a Rosemount native, said she chose the small suburb because she saw it as a family-oriented community.

Northrup said she was also attracted to the opportunity to use a nearby hobby farm for photo sessions.

So far, the move has proved to be a success.

“It has been a different rhythm than in St. Paul,” Northrup said. “It allows us to be more of a boutique and

more informal.”

Northrup said her initial goal was to maintain her existing customer base in the first year – something she was able to accomplish.

Most of Ellis Photography’s existing clients reside in St. Paul suburbs, which made for an easy transition, Northrup said.

By the spring of 2009, the business began to grow, despite being a bit hidden in the Rosemount Mall on Robert Trail.

Ellis Photography obtained approximately 30 to 40 new clients between 2008 and 2009. She maintains about 250 repeat clients.

“This doesn’t sound like a lot, but it is in our business,” Northrup said.

Northrup credits her advertising strategy – which

consists of word of mouth, her Web site, direct mail and charity events – for the increase in new customers.

The increase in new customers brought in additional revenue, but Northrup said she did not have exact figures off hand.

Northrup said her goal for next year is to obtain at least 50 new portrait clients, which currently makes up about 50 to 60 percent of the business.

At the same time, Northrup said she hopes to maintain her bridal client base, which consists of about 20 to 25 weddings each year.

Although Ellis has profited from the move, staying competitive continues to be a challenge.

The competition has changed over the years as more photographers have started in-home businesses.

“It’s become a tough business and very competitive,” Northrup said. “It has

changed the dynamics of photography.”

However, she said, clients are attracted to the professionalism a studio can offer, and hers is the only studio in Rosemount.

“It does start to make a

difference for those who want full service,” she said.

Ellis Photography is on the Web at www.ellisphoto. com.

Jessica Harper is at jessica.harper@ecm-inc.com.

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December 3, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Capitol Commerce

Lakeville chiropractor sued in CareCredit scam Okeson Optimal Chiropractic allegedly fraudulently issued credit cards

by T.W. Budig ECM CAPITOL REPORTER

The Minnesota Attorney General’s Office and the Minnesota Board of Chiropractic Examiners filed suit Nov. 24 against a Lakeville chiropractic clinic, alleging it used fraudulent practices relating to health care credit cards.

The suit was filed in Dakota County Court against Okeson Optimal Chiropractic clinic and its owner Erik Okeson.

The suit alleges the clinic used the names of unsuspecting patients as co-applicants on applications for health care credit cards for other patients.

This was done to create a source of funding for the clinic to pre-bill for its services, the suit alleges.

“Not knowing about it happening at all until we get a call from the Attorney General’s Office starts to get you really concerned,” said Robert Jacoby, a Burnsville retiree, whose private data and that of his wife, Kathy, were used to make them co-applicants

for separate health care credit cards for people that they did not know.

Co-applicants could be responsible for the unpaid debts of card holders.

One card holder alleged the clinic told her that a patient she did not know was willing to be a co-applicant for her because they understood the dire straits some people were in.

Beyond wrongly using the patient data, the suit also alleges the clinic grossly inflated patient incomes in order to get health care credit cards approved – a gas station worker making $15,000 a year was listed as earning $180,000, the suit alleges.

Okeson Optimal Chiropractic clinic over a 26-month period placed about $632,000 in charges on health care credit cards issued to their patients by CareCredit, the suit alleges.

“This is a form of predatory lending only involving health care credit cards, and it was done by a clinic that put its profits ahead of its patients,” said Attorney General

Lori Swanson, speaking at a Capitol press conference.

Swanson urged Minnesota consumers to check their credit reports – federal law allows for one free credit report check a year, she said – to make sure their credit history is accurate.

Sandra Bedeaux of Farmington, in preparing to refinance her home, discovered last October in obtaining her credit report that it listed her as a CareCredit card holder.

Bedeaux had never applied for such a card, according to the suit.

But she had attended a church fair in the spring of 2008 and received a free health screening offered by the Okeson Optimal Chiropractic clinic, filling out a form including her name, address, and Social Security number.

Swanson noted that health care clinics often recruit patients at fairs and other events.

The suit against Okeson Optimal Chiropractic clinic is the second the attorney general’s office has filed in re-

Photo by T.W. Budig

Attorney General Lori Swanson and the Minnesota Board of Chiropractic Examiners filed a lawsuit against a Lakeville chiropractic firm, Okeson Optimal Chiropractic, alleging the clinic used fraudulent practices relating to health care credit cards. This is the second such suit Swanson and state officials have filed in recent months. Several Dakota County residents appeared at a Capitol press conference in support of the lawsuit.

Capitol Roundup

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

cent months stemming from the alleged fraudulent use of health care credit cards.

In August, a suit, currently still in court, was filed against Express Healthcare in Lakeville.

The total amount placed on health care credit cards by the two clinics exceeds $1 million, Swanson said.

“This is big money,” she said.

Swanson has criticized health care providers as acting as brokers for health care credit card companies – she ascribes the rise in the use of these cards as indicative of a health care system needing reform.

The Attorney General’s

Office is exploring possible legislation relating to health care credit cards.

A call to the Okeson Optimal Chiropractic clinic for comment was not immediately returned.

Free copies of personal credit reports can be obtained by calling (877) 322-8228.

Online, consumers can visit the site www.annualcreditreport.com.

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

Bill would renew nuclear conversation Dakota County Regional Chamber of Bipartisan sponsors aim to get Minnesota considering plant construction again

by T.W. Budig ECM CAPITOL REPORTER

Two members of the Minnesota congressional delegation in a bipartisan display are calling on state lawmakers to lift the ban on nuclear power plant construction.

Third District U.S. Rep. Erik Paulsen, R-Eden Prairie, and 1st District U.S. Rep. Tim Walz, DFL-Mankato, appeared at a Capitol on Tuesday, Nov. 24, joined by state lawmakers, business and labor leaders, to push for the repeal of the moratorium.

“We understand this issue is very emotional for people,” Walz said.

But the congressmen argued that nuclear power needs to be included in the future energy mix — it’s clean, it has important base load potential, they said.

Paulsen compared taking nuclear power off the table as an energy tool to “trying to row a boat with one oar.”

Paulsen and Walz have cosponsored related legislation, H.R. 2227, “The American Conservation and Clean Energy Independence Act.” The legislation would tap into royalties from oil revenue payments and use 5 percent, about $110 billion,

the House.

Rep. Joyce Peppin, RRogers, carried repeal legislation in the House and believes a tipping point is drawing nearer.

“I’m hopeful,” Peppin said of passing a repeal this coming session.

Although making no predictions, Peppin believes the ban will ultimately be lifted.

It was put into place in 1994 as part of legislation allowing additional dry cask storage at the Prairie Island nuclear facility.

Besides Prairie Island, there’s one other nuclear power plant in the state at Monticello.

Even though the federal government has failed to yet establish a permanent storage site for nuclear waste, the push to lift the moratorium should still go ahead, Paulsen and Walz argued.

Critics of lifting the ban have pointed to the lack of a waste storage facility and Pawlenty supports the perceived threat to naGov. Tim Pawlenty has tional security produced by indicated his support for lift- shipping nuclear waste across ing the nuclear power plant county as reasons to keep the construction ban. ban in place.

Last session the Minnesota Senate voted to lift the T.W. Budig is at tim.budig@ ban, but the effort stalled in ecm-inc.com. to promote carbon-free technologies and could include loan guarantees for commercial nuclear power plants, according to Walz’s office.

Paulsen considers increasing offshore oil exploration and using the ensuing federal revenues to foster nuclear power a win-win.

The congressmen indicated they would accept a new nuclear power plant being built in their districts, assuming rules and regulations are followed.

“Absolutely,” said Walz, asking about a new plant being constructed in Mankato.

The state’s current energy policy forces the use of coal, Walz said.

But even if the initiative hits all green lights, the outcome will be long term.

A union official indicated that it could take a decade before a new nuclear power plant could open in Minnesota.

Commerce welcomes new board members Dakota County Regional Chamber of Commerce has announced its 2009-2010 Board of Directors.

The 20-member board is representative of the membership of the organization, with nearly every community in Dakota County recognized.

The board is also comprised of all types of business people from home-based to Fortune 500 businesses.

The board is responsible for governing the organization, setting its direction and priorities, directing its financial affairs and developing its policies.

“The DCR Chamber is positioned for a great year,” said Scott Swenson, Board Chair. “I’m excited to work with a great board and the chamber staff. We have the ability to work as a team to bring the organization to the next level. We are driving the new agenda for business in Dakota County by connecting local leaders for regional success through advocacy, innovation, and influence.”

The members of the 2009-2010 Dakota County Regional Chamber of Com-

merce Board of Directors are: Scott Swenson; Home Federal Bank, Eagan,chair Meghan McDaniel, Koch Companies, Public Sector, Rosemount, chairelect Greg Hansen, Ecolab Inc., St. Paul, treasurer Ruthe Batulis, Dakota County Regional Chamber of Commerce president Rob Armfield, TDS Metrocom, Eagan Sara Butruff, Travel Leaders, Apple Valley Brent Cory, Eagan Convention & Visitors Bureau, Eagan Paul Eggen, State Farm Insurance, Rosemount Michele Engdahl, Thomson Reuters, Eagan Gary Huusko, Severson, Sheldon, Dougherty & Molenda, PA, Apple Valley Greg Konat, Community Action Council, Burnsville Beth Krehbiel, Fairview Ridges Hospital, Burnsville Cathy McCoy, ProAct Inc., Eagan Matt Miller, Interstate Partners, St. Paul Dan Motoyoshi, American Bank, Apple Valley Ryan O’Gara, SKB Envi-

ronmental, Rosemount Roz Peterson, Cerron Commercial Properties, Lakeville Phillip Porter, CTi, Eagan Phil Stalboerger, Blue Cross Blue Shield of Minnesota, Eagan Leslie Strohm, ProTec Environmental Consultants, Inc., Mendota Heights The Chamber is a regional chamber serving the communities of Eagan, Farmington, Hampton, Lilydale, Mendota, Mendota Heights, Rosemount, Sunfish Lake and West St. Paul, and the townships of Castle Rock, Empire, and Eureka.

The chamber has four business councils that are comprised of Chamber members located in a specific geographical area and provide a channel for members to be involved in networking, discussing issues and implementing special projects and events for the benefit of the area being served.

For more information on the chamber, visit www. dcrchamber.com or call (651) 452-9872.

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY December 3, 2009

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Capitol Commerce CapX 2020 hearings to be held in Lakeville Public and evidentiary hearings are scheduled locally for the CapX 2020 project that will give the public an opportunity to ask questions or provide comments on the proposed routes.

Administrative Law Judge Richard Luis will preside over the hearings.

A final decision on the proposed high-voltage transmission line between Brookings, S.D., and the southeast Twin Cities’ Route Permit application is expected in spring 2010.

The hearings are scheduled as follows: • Dec. 10, 1-5 p.m. and 7-10 p.m., Holiday Inn, 20800 Kenrick Avenue, Lakeville, • Dec. 11, 9:30 a.m.-12:30 p.m., Holiday Inn, 20800 Kenrick Avenue, Lakeville The Brookings-Twin Cities line is one of three 345-kilovolt lines CapX 2020 utilities are proposing to meet future demand for electricity.

Utility projections show that electricity use in Minnesota and the surrounding region will increase between 4,000 and 6,000 megawatts by 2020, according to CapX 2020. The proposed lines also would significantly ex-

pand the ability to deliver renewable energy to electricity customers.

Local citizens groups, NoCapX 2020 and United Citizens Action Network, among others, have appealed the Certificate of Need decision.

NoCapX and U-CAN filed an Offer of Proof a year ago about decreased demand that they say was disregarded by the judge and PUC which opens a door – a different standard of review than appealing transmission decisions generally.

The groups say comments may also can be sent in writing until Jan. 15, 2010, and should include the Office of Administrative Hearings Docket Number: 7-250020283-2.

Mailed comments must be post marked by that date.

Faxed, e-mailed, and delivered comments must be received by 4:30 p.m. on that date. Send to: Judge Richard Luis, Office of Administrative Hearings, P.O. Box 64620, St. Paul, MN 55164-0620, fax: (651) 361-7936 or e-mail: capx.oah@state.mn.us.

For more information, about the project go online at www.capx2020.com.

Kurt Bills sets sights on state House in 2010 Rosemount City Council member says he plans to advocate tax, education funding reform

by Jessica Harper DAKOTA COUNTY TRIBUNE

Photo by T.W. Budig

Minnesota Agriculture Commissioner Gene Hugoson craddles a Minnesota-grown turkey on Nov. 24 at a Capitol press conference. The Minnesota Turkey Growers Association announced that it’s donating 24,000 pounds of turkey to Hunger Solutions Minnesota, along with a cash contribution.

Association donates turkeys to Hunger Solutions Minnesota

by T.W. Budig ECM CAPITOL REPORTER

Governor appoints MacDonald to 1st Judicial District opening Gov. Tim Pawlenty appointed Erica H. MacDonald to a 1st Judicial District trial court bench vacancy in Hastings.

The vacancy occurred with the retirement of Leslie M. Metzen on May 20.

MacDonald, of Mendota Heights, is an assistant United States attorney for Minnesota in Minneapolis.

She has been an assistant U.S. attorney since 2001, and previously was a judicial law clerk to Minnesota Court of Appeals Judge Harriet Lansing from 2000 to 2001, an assistant U.S. Attorney in Chicago, Ill., in 2000, an associate attorney with the Kirkland and Ellis law firm in Chicago in 1999, and a judicial law clerk to U.S. District Court Judge James H. Alesia in Chicago from 1997 to 1999.

She was also a buyer and a sales manager with May Department Stores in St. Louis, Missouri from 1989 to 1994.

MacDonald earned her juris doctorate degree from DePaul University College of Law in Chicago in 1997, and her bachelor of arts degree from the University of Notre Dame in Notre Dame, Ind., in 1989.

“Erica’s combination of intellect, trial skills, management experience and compassion will serve her well as a judge,” Pawlenty said. “In addition, her background in business prior to becoming a lawyer gives Erica an added perspective.”

MacDonald has been an instructor and a presenter for numerous law enforcement and legal conferences, and is known for her expertise in human trafficking.

She has received numerous professional awards, including the St. Paul Police Chief ’s Award of Merit, the Department of Justice Certificate of Appreciation, and many performance awards for her work in the U.S. Attorney’s office.

MacDonald is a member of Minnesota Women Lawyers, a parent volunteer and a member of St. Joseph’s School of West St. Paul School Board, and has been a volunteer coach with the Mendota Heights Athletic Association.

MacDonald, 42, was born in Greenwich, Conn., grew up in Dallas, Texas, and lives in Mendota Heights with her husband, Jim, and two sons, Kenny 10, and Mitchell, 7.

The Minnesota Turkey Growers Association officially donated on Tuesday, Nov. 24 more than 12 tons of turkey to Hunger Solutions Minnesota — enough bird to feed 32,000 people.

The donation was highlighted at a Capitol press conference attended by Gov. Tim Pawlenty, association and food shelf officials, and a fully alert turkey, one of the 45 million the state’s 250 turkey producers will send to market this year.

Minnesota is the No. 1 turkey producer in the nation.

The $600 million industry directly or indirectly accounts for 26,000 jobs, according to the association.

In addition to the turkey donation, the industry also made a cash donation.

Hunger Solutions Minnesota expressed its apprecia-

tion for the association’s donation.

“We are alarmed that nearly 430,000 individuals have visited food shelves so far this year,” said HSM Board Chairwoman Mary Pat Raimondi.

“This generous donation of locally grown, high quality nutrition will go a long way to counteract the harmful impact that the recession is having on Minnesotans,” she said.

Although Pawlenty has personally handled the guest turkey at previous donation press conferences, the governor delegated the duty to Agriculture Commissioner Gene Hugoson.

The bird only openly rebelled against the commissioner while being placed back in its cage.

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

Rukavina, legislators to tour metro campuses Dec. 4 State Rep. Tom Rukavina, along with area state legislators, will tour two campuses in the metro area Dec. 4.

According to a press release from Rukavina, legislators will meet with students, faculty and administrators to discuss the impact of governor’s unallotment on higher education institutions in Minnesota as well as the up-

coming economic forecast, which will be released on Dec. 3.

The tour will include stops at Century College from 8:15 a.m. – 10:15 a.m. and Dakota County Technical College from 10:45 a.m. – 12:45 p.m.

Rukavina said he has toured over two dozen schools in Greater Minnesota this fall.

Rosemount City Council Member Kurt Bills recently announced plans to run for the House District 37B seat in 2010.

Bills, who is seeking the GOP nomination, said he decided to run for state office after less than a year on the council as a way to make a bigger difference.

“I believe local government is run really efficiently,” he said. “We are the only city to cut our tax rate, and I’m very honored to be a part of that system. But funded and unfunded (state) mandates influence our cities.”

Tax and education funding reform are two key issues Bills plans to address in his campaign.

“Everything goes back to education and jobs,” he said.

Specifically, Bills said he would like to lower corporate taxes if elected.

“With the budget issue the state faces, we have to make choices now,” he said.

“We have to make a choice whether we are a high-tax, job-killing state or one that incentivises people to be productive.”

If elected, Bills said he plans to address special interest spending and create “fiscal policies that are longrun goal oriented.”

Bills said he would also like to find ways to improve education funding.

“We are going to need more than market-based solutions,” he said. “We need to look at creative teacher pay systems.”

Bills said he sees flaws with the current Quality Compensation system for teachers and would like to explore other options.

He said he would also like to find ways for students to pursue career paths early on in their academic studies.

In addition to tax reform and education, Bills said he plans to push for free-market solutions in health care and tort reform.

Although Bills has less experience in the political realm than incumbent Phil Sterner, DFL-Rosemount, he said he does not think that fact will be an obstacle.

“I think we need new blood,” he said. “I don’t think experience matters as much as where principles are.”

Bills said the experi-

ence he has gained as a council member will help prepare him for the state House Kurt Bills seat.

“At times we disagree as a council on issues, but we always come back together to the next issue and in an efficient manner,” he said. “Being able to carry on a debate with someone and work with them is part of being in government.”

Bills said his experience as an economics and government teacher at Rosemount High School will also prepare him for the role.

“By teaching advanced economics, I know and understand the difference between economic virtue and government virtue,” he said.

“There’s a distinct difference between what goes on from an economic perspective and what goes on from a political perspective. There’s a whole different system of incentives.”

Bills has taught at Rosemount High School for 13 years.

In addition to teaching at RHS and serving on the City Council, Bills is a member of Rosemount Port Authority and the business development group Dakota Future.

He also serves as a volunteer coach for Rosemount High School’s wrestling team, and is a member of the men’s group at Christ Church in Apple Valley.

Bills grew up in Wisconsin and moved to Minnesota to attend Winona State University, where he met his wife, Cindy.

They married in 1995 and moved to Colorado for two years.

They then moved back to Minnesota when Bills was hired at RHS. The family settled in Rosemount four years later.

The couple has four children: Kyla, 11, who attends Rosemount Middle School; Cassie, 9, who attends Shannon Park Elementary; and Hayden, 4, and Olivia, 2, who stay with Cindy, who runs a child care from home.

House District 37B includes all of Rosemount and the eastern part of Apple Valley.

E-mail Jessica Harper at: jessica.harper@ecm-inc.com

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December 3, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Vikings still seek new stadium deal Team argues that it brings enough state benefit to merit support

by Tim Hennagir DAKOTA COUNTY TRIBUNE

A Minnesota Vikings executive told a Twin Cities chamber group last week the team will forge ahead with new stadium plans despite a clash with the Metropolitan Sports Facilities Commission.

Lester Bagley, Minnesota Vikings’ vice president of public affairs and stadium development, spoke Nov. 19 at a Twin Cities North Chamber of Commerce luncheon in Coon Rapids, and addressed a number of stadium development issues currently affecting the Vikings.

Last week, the MSFC passed a resolution offering the team a two-year extension on its current lease, which will expire in 2011.

The commission is willing to give the Vikings revenue from postseason games at the Metrodome, but has stated that it will reinstate $4 million annual rent if the team does not sign.

“They completely blindsided us with the proposal and obviously, we are very disappointed,” Bagley told the chamber group.

Bagley said team officials want to place the Vikings’ stadium issue front and center so it can be addressed by legislators during the 2010 session.

“It’s high time we get to a discussion and a solution.” he said. “We are at the bottom of the National Football League in terms of stadium revenues.”

Bagley said the Metrodome, which was completed in 1982 as a multi-purpose sports facility, is the third oldest stadium operating in the league.

During his presentation, Bagley also addressed the team’s failed 2006 negotiations with Anoka County to develop a Vikings stadium project planned in Blaine.

That stadium proposal had an estimated price tag of $675 million and included local funding of up to $280 million of the stadium cost.

State legislation would have been required to give the Anoka County Board authority to implement a controversial 0.75 percent countywide sales tax without the issue going to voters.

“We were in partnership with Anoka County and both parties gave a 100 percent effort,” Bagley said. “It came down to the wire during the legislative session.

“There was a Gopher stadium bill, a Twins stadium bill and a Vikings-Anoka County bill on the table. The Vikings were told they would have to stand down.”

Bagley said that directive

came from Republican Gov. Tim Pawlenty’s office and Minnesota House Speaker Margaret Anderson Kelliher, DFL. While lawmakers had to deal with budget issues, the I-35W bridge collapse and other pressing issues related to an economy in recession, Bagley said the stadium issue needs to be brought back into focus.

He also addressed the team’s 2006 decision to work with the MSFC on stadium planning downtown.

“We were asked by the city of Minneapolis to consider the Metrodome site,” Bagley said. “It’s the most cost-efficient site in the state for a stadium because of road, bridge and light rail infrastructure that’s already in place.”

Recycling the Metrodome site would provide a tremendous infrastructure advantage and other development, he said.

If the team gets a deal at the Metrodome site, Bagley said the Vikings would play for two years at TCF Bank Stadium on the University of Minnesota campus.

“We’ve had conversations with the U of M and it is willing to participate in this effort and host us while the Metrodome site is being reconstr ucted,” he said.

T h e MSFC has proposed a retractable roof stadium with a $950 million price tag, Bagley said last week.

“We do think that number will come down,” Bagley said. “ O n e of the main reasons we want to move ahead in 2010 is to take advantage of lower labor, construction and bonding costs.”

The state is also looking to create jobs, he said.

Bagley said a 2007 report commissioned by the MSFC indicated the Metrodome was built with $33 million in public dollars. The facility’s full cost was $55 million.

“The state didn’t put any money into the stadium,” he said. “The Metrodome has generated $245 million dollars in tax revenue since 1982.

Of that, $234 million has gone to the state.”

Benefit to the state Bagley said the Vikings have been responsible for $126 million in taxes.

“The team and the facility have paid their part forward,” he said.

According to Bagley, 40

Photo by Tim Hennagir

Lester Bagley, Minnesota Vikings’ vice president of public affairs and stadium development, spoke Nov. 19 at a Twin Cities North Chamber of Commerce luncheon in Coon Rapids. percent of team’s season ticket holders come from outside the seven-county metro area.

Twenty-two percent come from out-of-state.

“Fifty percent of fans who come from outside the metro stay in a hotel Saturday night or sometime Sunday night, generating an average of 1.6 nights,” he said.

The Vikings sell $600,000 in concessions each game, or $6 million in concessions annually plus playoffs, Bagley said. “That’s $400,000 in taxes generated.”

The MSFC gets 85 percent of all team concessions and the team gets 15 cents on the dollar, Bagley said.

“That’s part of the give and take with the MSFC,” he said.

Funding help If the Vikings do broker a stadium deal, the team will need help, Bagley said.

“In terms of new stadium construction and depending on if the facility has a roof, we’ll need somewhere between $30 million and $45 million annually from the public, combined with a significant contribution from owner Zygi Wilf,” he said.

According to Bagley, gaming at the Running Aces and Canterbury horse tracks were possible revenue sources as well as the possibility of using the state lottery money.

“There’s public support for gaming at the horse tracks,” Bagley said.

“That’s not something we are advocating, but if the

state would prefer to move in that direction, we would work with it. It’s a way to solve the problem and it’s got public support.”

Bagley said the Seattle Seahawks and Baltimore Ravens each used about $4 million or $5 million a year in state lottery money to finance their new stadiums.

“It won’t solve the problem, but it’s a revenue stream from the state could put on the list,” he said.

Hospitality taxes were another funding source suggested by Bagley.

The Metrodome’s original funding source was a 2 percent, seven-county hospitality tax.

“That would generate about $15 million a year,” Bagley said. “There are ways to do this. It matters less what we think and more what state and local leaders think.”

According to Bagley, if the team sits back and doesn’t act, there will be consequences.

“The pressure for the Wilf [family] and the Vikings to resolve this issue is growing,” Bagley said. “The NFL and team owners are watching.

What happened at MSFC sends a chilling message to these audiences.”

Regarding league support or possible seed money for a new Minnesota stadium, Bagley said the NFL’s socalled “G3” fund has been emptied by other teams.

“There is an understanding from the league commissioner, but it would have to be approved by the owners, that if we get a stadium deal in place, the league will go to the owners and see if some sort of financing support would be available,” Bagley said, The Wilfs are willing to put in one-third of what an NFL program might offer, he said.

Combined, that level of

funding would total about $200 million, Bagley said.

“People keep saying that’s not enough. Well, let’s have a conversation and talk about it,” he said.

Steve Novak was Anoka County’s stadium project coordinator and is the county’s division manager for government services.

Novak asked Bagley about Pawlenty’s current stance on the stadium issue and if the governor had committed to action during the 2010 session.

“There’s been some dialogue between Gov. Pawlenty and the team ownership,” Bagley said.

“There is at a least a commitment to work creatively and review finance options and there’s been some good discussions as of late with key members of the governor’s staff. It’s absolutely imperative the governor be involved in this discussion.”

According to Bagley, part of the problem is current legislative leaders holding off on any commitment until they hear the governor is going to get involved.

Anoka County Commissioner Dan Erhart said during a question-and-answer period that the state needed to be a partner in order to move a stadium deal forward.

“Maybe there’s a regional partner, but there is no local economy that can support a project of this size,” Erhart said, referring to county-only economic support.

Dennis Berg, chairman of the Anoka County Board, commented about past and present stadium issues after Bagley’s presentation.

Last month, Berg was quoted in a Star Tribune story, that the county might be receptive to listening to another stadium proposal presented by the Vikings.

“Absolutely I will listen,” he told ABC Newspapers.

“But, it has to be put together the right way. Wherever the stadium ends up, it’s a huge economic opportunity.”

Three years ago, the county and the Vikings could not make the project numbers work, Berg said.

Last week at the chamber meeting, he said the Vikings presented more accurate figures about the cost of the stadium.

“Those numbers are close to what we’ve always been working with,” Berg said, referencing a stadium project in the $800 million to $900 million price range.

“What really shocked me was Bagley’s statement the Vikings were getting by rentfree from the sports commission in recent years,” Berg said.

“There was always an understanding that Anoka County’s taxpayers would own the stadium and the team would pay rent. But, we had never negotiated what that rent would be.”

According to Berg, support for Vikings stadium development in Anoka County was at two levels - those people who saw the economic opportunity of a stadium location in Blaine and those who were willing to be part of the project if the asset could be preserved for the entire state with a regional basis of support.

Anoka County could not solely provide a support structure for the whole state on a large infrastructure project like an NFL stadium, Berg said last week.

“What we heard today is what the Vikings recognized back when they were dealing with us and they still recognize it today,” he said. “Without the state or regional partner, you just can’t make a project model cash flow.”

According to Berg, the Vikings need to seize the current opportunity to express the team’s infrastructure needs to the public and political leaders. ”If Minnesota loses the Vikings, I don’t think anybody’s going to be in a position to say that the team didn’t come and say there wasn’t a problem,” Berg said.

“Look at the financing for stadiums built around the country. They are a magnet for money. There are no losers.

“With the Metrodome, the facility tax only lasted three years because they had enough money from revenues to secure the debt.”

According to Berg, when that occurred the financing model had proven itself and the Metrodome cash-flowed without further subsidy.

Tim Hennagir is at editor. blaineslplife@ecm-inc.com.

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY December 3, 2009

13A

Calendar To submit an item for the Calendar, e-mail it to darcy.odden@ ecm-inc.com or fax (952) 8462010.

Date-specific Dakota County Regional Chamber of Commerce events: • Thursday, Dec. 3, 7:30 to 8:30 a.m., Holiday Buzz, WorkForce Center of Dakota County, 110 B&C, 1 West Mendota Road, West St. Paul. Information: Amanda Franklin, afranklin@ dcrchamber.com. • Thursday, Dec. 3, 5:30 to 7:30 p.m., Farmington Holiday After Hours, Anchor Bank, 342 Oak St., Farmington. Light appetizers and beverages will be served.

Information: Amanda Franklin, afranklin@dcrchamber.com. • Thursday, Dec. 3, 6 to 8 p.m., Medical Assistant Event at Rasmussen College, 3500 Federal Drive, Eagan. Learn about a career in medical assisting. Information: Lynn Skafte, (651) 2598173 or lynn.skafte@rasmussen. edu. • Saturday, Dec. 5, 4 to 8 p.m., fourth annual Mendota Lights. Free. Information: www. villagemh.com/events.html. • Tuesday, Dec. 8, 7:30 to 9 a.m., State of the District Breakfast, Diamondhead Education Center, 308 W. Burnsville Parkway, Burnsville. Fee: $15. Reservations/information: Burnsville Chamber of Commerce, (952) 435-6000. • Tuesday, Dec. 8, 11:30 a.m. to 1 p.m., Rosemount Holiday Luncheon, Dakota County Technical College (DCTC), Dakota Room, 1300 145th St. E., Rosemount. Fee: $20. Reservations/ information: Amanda Franklin, afranklin@dcrchamber.com. • Thursday, Dec. 10, 4 to 8

p.m., First Annual Ladies Night Out Mendota Heights. Starts at Curves, 790 S. Plaza Drive, Suite 300, Mendota Heights. • Friday, Dec. 11, noon to 1 p.m., Nonprofits Communications Network Lunch, Minnesota Council for Nonprofits Conference Room, 2314 University Ave., Suite 20, St Paul. Free. • Tuesday, Dec. 15, 7:30 to 8:30 a.m., Board of Directors meeting, DCR Chamber of Commerce, 1121 Town Centre Drive, Suite 102, Eagan. Information: Ruthe Batulis, rbatulis@ dcrchamber.com. • Tuesday, Dec. 15, noon to 1:30 p.m., New Member Orientation, DCR Chamber of Commerce, 1121 Town Centre Drive, Suite 102, Eagan. Free.

RSVP required. Information: Michelle Tighe, (651) 288-9203 or mtighe@dcrchamber.com.

Apple Valley Chamber of Commerce events: • Wednesday, Dec. 9, 11:30 a.m. to 1 p.m., Holiday Luncheon at Old Chicago. Fee: $15/members, $20/nonmembers. Information: info@applevalleychamber. com. • Monday, Dec. 14, 9:30 to 11 a.m., Job Listening Session with Speaker of House and Friends, Old Chicago Conference Center, Apple Valley. Free. Information: edkearney@applevalleychamber.com. • Thursday, Dec. 17, 4:30 to 6:30 p.m., Business After Hours, American Bank of St. Paul, 14295 Cedar Ave., Apple Valley. Free.

Burnsville Chamber of Commerce events: • Thursday, Dec. 3, 6 to 11 p.m., Holiday Rocks Extravaganza - Chamber Gala, Brackett’s Crossing Country Club, 17976 Judicial Road, Lakeville. Live mu-

sic, roulette and craps, gourmet dinner, annual awards. Fee: $40.

Information: Travis Martinson at travis@burnsvillechamber.com. • Saturday, Dec. 5, 8 to 8:30 a.m., Clothes Mentor grand opening, 14629 County Road 11, Burnsville. Ribbon cutting at 8 a.m. Information: anne@burnsvillechamber.com. • Tuesday, Dec. 8, 7:30 to 9 a.m., State of the District Breakfast, Diamondhead Education Center, 308 W. Burnsville Parkway, Burnsville. Fee: $15. Information: Travis Martinson, travis@ burnsvillechamber.com, or Anne Haberman,anne@burnsvillechamber.com. • Thursday, Dec. 10, 11 a.m. to 2 p.m. M Design Interactive grand opening, 10800 Lyndale Ave., Suite 100, Bloomington. Ribbon cutting at 11:30 a.m. Free.

Lakeville Area Chamber of Commerce events: • Thursday, Dec. 10, 4:30 to 6:30 p.m., Business After Hours at Highview Hills by Walker.

District 196 Community Education Career & Business Calendar: • Saturday, Dec. 5, 9 a.m. to 1 p.m., Introduction to Dreamweaver. $59. Eastview High School, 6200 140th St. W., Apple Valley. Register online at www. district196.org/ce or call (651) 423-7920. • Monday, Dec. 7, 6:30 to 8:30 p.m., Microsoft Excel: Formatting Spreadsheets. $35. Rosemount Middle School, 3135143rd St. W., Rosemount. Register online at www.district196.org/ce or call (651) 423-7920.

Ongoing Dakota Business Partners (networking group) meets every Tuesday at 8:30 a.m. at Enjoy!

Restaurant in Apple Valley. For

Assumed Names Any individual, corporation, Norcia Design Solutions, limited partnership or limited li- 18183 Lansford Path, Lakeville. ability company that conducts Management Logics, 16627 business in Minnesota under a Kentucky Ave., Lakeville. name other than their full legal Envisage Accessories, 18839 name, must file a Certificate of Irvona Ave., Lakeville.

Assumed Name.

Metalworx, 11980 162nd St. W., Lakeville.

EnvyMe Entertainment, Commercial Mortgage Modi17040 Embers Ave., Lakeville. fication Corporation, 17595 KenSPS Contracting, 18954 Em- wood Trail, Lakeville. bry Ave., Farmington.

Welcome Home Property Beads Indeed, 1003 Honey- Management, 8459 173rd St. W., suckle Lane, Farmington.

Lakeville.

Old Crow Studio, 5964 200th Valley Lawn Maintenance, St. W., Farmington.

16865 Javelin Ave., Lakeville.

Sue Pariseau Pottery, 5964 Arcwerx Illustration & Graphic 200th St. W., Farmington.

Design, 14398 Banyan Lane, Prime Designs, 21075 Eaton Rosemount.

Ave., Farmington.

Glitter & Rocks, 14286 BloomId & Ego Creations, 436 Tam- field Court, Rosemount. arack Trail, Farmington.

Platform 3000, Inc., 15215 Benjamin Franklin, 1904 Ver- Boulder Trail, Rosemount. million St., Hastings.

Xela IS, Inc., 15215 Boulder Blackbird Tile, 1511 Florence Trail, Rosemount.

St. #1, Hastings. iFAB-ulous, Inc., 15215 BoulJT Carpet Care, 1130 Bahls der Trail, Rosemount.

Drive #263, Hastings.

Xela SC, Inc., 15215 Boulder Jaguar Blu Graphic Design, Trail, Rosemount.

20405 Howland Ave. W., LakevXela BIO, Inc., 15215 Boulder ille.

Trail, Rosemount.

Renters Network, 20029 HeriDay-to-Day Photography, tage Drive, Lakeville.

16977 Galleon Circle, Lakeville.

Dream Home Inspections, Another Locksmith, 925 17692 Isleton Court W., Lakeville. Southview Blvd., South St. Paul.

South of the River Carpet New Life Cleaning Services, Cleaning, 7923 170th St. W., 100 Thompson Ave. W. #307, Lakeville.

West St. Paul.

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Zeniacal Production House, 1335 Oakdale Ave. #205, West St. Paul.

MISA, 60 Marie Ave. E. #209, West St. Paul.

Jennifer Kowski-Dahlberg, Attorney at Law, 1377 Smith Ave. S., West St. Paul.

KRD Designs, 799 Sibley Memorial Highway, Mendota Heights.

The Olive Grove Olive Oil Company, 720 Main St. #105, Mendota Heights.

Hot Coffee Company, 1307 Robert St. S., St. Paul.

Natural Burial and Cremation, 235 Wentworth Ave. W., West St. Paul.

Costume Giant, 719 Cheyenne Lane, Mendota Heights.

Realty Executives Top Results, 2025 Centre Point Blvd. #220, Mendota Heights.

Slater Environmental, 3290 Heritage Lane, Eagan.

Cornerstone Cleaning Company, 3310 Alden Pond Lane, Eagan.

Enterprise Holdings, 2775 Blue Waters Road, Eagan.

Voyageur IT, 860 Blue Gentian Road #265, Eagan.

Voyageur, 860 Blue Gentian Road #265, Eagan.

Bruno P. Jones Gifts, 3338 Alden Pond Lane, Eagan.

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more information call at (651) 216-5406.

Platinum Partners, a chapter of BNI, welcomes one representative from each profession and meets every Wednesday morning from 7:30 to 9 a.m. at the Lakeville Green Mill. To learn more, call Amy at (952) 226-7741.

Creative Networking Professionals (CNP) is a nonprofit business networking organization established in November 2003.

The group meets at JoJo’s Rise and Wine in Burnsville from 8 to 9 a.m. the first and third Tuesday of each month. CNP is currently looking to add members to its group of 16 members. Only one person from each professional specialty is permitted to join. All participants should represent their primary occupation, not a part-time business. First two visits are free; thereafter the cost is $50 per year to cover overhead expenses. Contact Jeffrey L. Rothmeyer at (651) 463-8300 to find out if your profession is still available.

Network Unlimited, a professional networking chapter, meets Tuesdays from 4:30 to 5:45 p.m. at Cherokee Sirloin Room, Cliff Road and Nicols Road, Eagan.

To see if your category is open go to www.NetworkUnlimited.org.

BNI – The Valley Networkers chapter of Business Networking Intl. meets Thursdays at 11:30 a.m. at the DCTC Apple Valley Site at 14200 Cedar Ave. BNI is a networking group for business owners who are looking to increase their revenue. Only one person from each profession.

Bring your own lunch. For more information, call Nicole Blasing at (651) 331-9238 or visit www.bnimn.com BNI-Networking will meet

Wednesdays at 8:15 a.m. at Byerly’s Cafe in Eagan. Open to all professionals for referrals. For more information, call (651) 2473200.

Professional Referral Exchange of Burnsville meets every Wednesday for breakfast at Denny’s Restaurant. Meetings begin at 7 a.m. For more information, contact Jo Baecker, area director, at (612) 618-5347 or visit the Web site www.prorefx.com.

BNI - Business Networking Intl. meets Wednesdays at 7:30 a.m. at Commons on Marice in Eagan. For more information call Christina Avery at (651) 247-2111 or check out the BNI Web site at www.bni-mn.com.

Beta Sigma Phi, Preceptor Alpha Delta Chapter, meets the second Wednesday of every month at 7:30 at a member’s home. For information, call (952) 894-8831.

Network Results Chapter of Business Network International, networking for local business owners, only one person from each profession. First two meetings are free. We meet every Wednesday for breakfast, 7-8:30 a.m. at Roasted Pear, 14200 Nicollet Ave. S., Burnsville. Call Michele Jennings for more information: (612) 581-0332.

Networking coffee group at Caribou Coffee will meet from 9:30-11:30 a.m. at Caribou Coffee, 14638 Cedar Ave., on the second and fourth Mondays of the month. Call (763) 783-4767 to register.

Grapevine Network “Common Denominator� Group meets Tuesdays from 7:30-8:45 a.m. at Coldwell Banker Burnet, 190 Cobblestone Lane, Burnsville.

For information, call (952) 7465611 or visit www.thegrape-

vinenetwork.com.

Grapevine Networking Group meets Wednesdays from 7:30-8:45 a.m. at Coldwell Banker Burnet, 190 Cobblestone Lane, Burnsville. For information, call (952) 746-5611 or visit www. thegrapevinenetwork.com.

Kingdom Advisors members meet monthly for fellowship, training, networking, prayer, and sharing of best practices. Ron Blue or other recognized speakers (via DVD) cover a topic each month helping members integrate and apply Biblical financial wisdom into their professional advice.

Visitors welcome. The S Metro Group meets at Family Financial Services, 151 W. Burnsville Parkway, Burnsville, from 7:30 to 9 a.m. on the fourth Tuesday of each month. POC is Jeff Robinson at (952) 890-6611. The SE Metro Group meets at 2918 Upper 55th St., Inver Grove Heights, the first Thursday of each month from 12 noon to 1 p.m. (bring your lunch). POC is Ginger Ewing at (651) 389-1177.

Seed Your Business Networking Group – “Plant a seed and grow your business� – meets the first and third Wednesday every month at noon at Baskets On Occasion, 3348 Sherman Court, Suite 104, Eagan. This is a free networking referral group. Only one person from each profession.

Contact Mary O’Rourke at (651) 994 8392 or visit www.seedyourbusiness.com for more information.

The S.T.A.R. (South Twin Cities Area Referral) Networking Group meets 8 to 9 a.m. every Wednesday at the Bremer Bank, 17600 Cedar Ave., Lakeville. Openings are available. For questions, call Kathy Andrade at (952) 997-1306.

Capital Investment Committee touring more Twin Cities sites A bipartisan delegation of state senators and staff will be visiting several potential capital investment projects throughout the metro area’s suburbs and Minneapolis in the coming days.

Led by state Sen. Keith Langseth, DFLGlyndon, the chair of the Senate Capital Investment Committee, the group will get a firsthand look at a number of projects seeking state funding in the 2010 Legislative Session.

Among the communities and sites included on the Dec. 1-2 tour will be Apple Valley, Minnetonka Beach, New Hope, and several sites in Minneapolis. “This is the second of two tours of the metro area that we are taking prior to the start of the 2010 Legislative Session, after conducting four tours of Greater Minnesota in September and October,� said Langseth. “If past tours are any indication, the information we gather will be very important once the legislative session starts and tough decisions need to be made about which projects will be funded.�

The tour begins the morning of Tuesday, Dec. 1 with hearings in Room 123 of the State Capitol: • Minnesota Pollution Control Agency presentation on the Capital Assistance Program and closed landfill cleanup (8 a.m.) • Office of Enterprise Technology presentation on data center consolidation (9 a.m.) • Minnesota Department of Health presentation (9:30 a.m.) • Association of Metro Municipalities presentation (10 a.m.)

The remainder of Tuesday’s agenda includes visits to: • Minneapolis Veterans Home (11 a.m.) • Minnesota Zoo in Apple Valley (12:15 p.m.) • Minnetonka Beach park, near the city water tower (2:30 p.m.)

• New Hope Ice Arena (3:30 p.m.)

The Minneapolis/Hennepin County agenda for Wednesday, Dec. 2, includes a bus tour beginning at 7:30 a.m. with visits to: • Hennepin County hyperbaric chamber • Lowry Avenue Bridge Phase 2 • Victory Memorial Drive • Minnesota African American Museum • Fort Snelling upper bluff • Midtown Farmer’s Market • 35W storm tunnel and interchange • Minneapolis Emergency Operations Facility • Granary Road • Grand Rounds lighting and missing link • Hiawatha light-rail infrastructure • Northtown Rail Yards bridge • Orchestra Hall • Target Center • Father Hennepin Park • JD Rivers Environmental Education Center • Sheridan Memorial Park • Theodore Wirth Park winter recreation • Walker Art Center All times listed are approximate and subject to change. “We always look forward to meeting with people and viewing firsthand the projects where state dollars may be invested,â€? said Langseth.

Committee members expect roughly $3 billion in capital investment requests by the start of the 2010 session in February, so many tough decisions will have to be made. In 2009, the House and Senate passed a capital investment package which funded nearly $300 million in state investment projects and was expected to create 3,000 Minnesota jobs.

For more information on specific 2010 capital investment requests, visit the Minnesota Management and Budget Web site at www. doer.state.mn.us.

14A

December 3, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

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 Web site: www.applevalleychamber.com E-mail: info@applevalleychamber.com

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

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

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

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

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

Downtown Lakeville Business Association

tax increment financing, local loan funds or state or federal Address: 8790 207th St. W., Suite 204, P.O. Box 371, business finance programs.

Lakeville, MN 55044 Apple Valley, Bruce Nordquist E-mail: dlba@frontiernet.net Phone: (952) 953-2576 Office Hours: Mondays and Wednesdays 9 a.m. to 2 p.m.

E-mail: bnordquist@ci.apple-valley.mn.us Judy Tschumper is the director of the Downtown LakevWeb site: www.ci.apple-valley.mn.us ille Business Association.

Burnsville, Skip Nienhaus Phone: (952) 895-4454 Positively Minnesota Marketing E-mail: skip.nienhaus@ci.burnsville.mn.us Partnership Web site: www.burnsville.org Minnesota Department of Employment & Economic Farmington, Tina Hansmeier Development Phone: (651) 280-6821 Address: 1st National Bank Building, 332 Minnesota St., E-mail: thansmeier@ci.farmington.mn.us Suite E200, St. Paul, MN 55101 Web site: www.ci.farmington.mn.us Phone: (651) 259-7298 Hastings, Shannon Rausch Fax: (651) 215-3841 Phone: (651) 480-2344 E-mail: Positively.Minnesota@state.mn.us E-mail: SRausch@ci.hastings.mn.us Web site: www.ci.hastings.mn.us Dakota Future Inver Grove Heights, Jennifer Gale Role: Provide site location assistance for firms considering Phone: 651-451-2266 Dakota County locations and serves as a general gateway for E-mail: Kevin@progressplus.org economic development services within Dakota County.

Web site: www.ci.inver-grove-heights.mn.us Address: P.O. Box 240874, Apple Valley MN 55124-0874 Mendota Heights, Jim Danielson E-mail: bill@dakotafuture.com Phone: 651-452-1850 Phone: (651)491-2551 E-mail: jimd@mendota-heights.com Web site: www.dakotafuture.com Web site: www.mendota-heights.com Lakeville, Dave Olson Minnesota Workforce Centers in Burnsville Phone: 952-985-4421 E-mail: dolson@ci.lakeville.mn.us and West St. Paul Web site: www.ci.lakeville.mn.us Role: Assist in the hiring and training of new employees, Rosemount, Kim Lindquist general gateway into Minnesota Department of EmployPhone: 651-322-2020 ment and Economic Development and other state agencies E-mail: Kim.lindquist@ci.rosemount.mn.us Phone: 612-821-4411 Web site: www.ci.rosemount.mn.us E-mail: terrell.towers@state.mn.us South St. Paul, Jennifer Gale Phone: 651-451-2266 South Metro SCORE E-mail: kevin@progressplus.org Role: Counselors to America’s small businesses, free, www.southstpaul.org confidential, face-to-face assistance from successful business West St. Paul, Jim Hartshorn mentors.

Phone: 651-552-4140 Phone: (952) 890-7020 E-mail: Jim.hartshorn@ci.west-saint-paul.mn.us E-mail: southmetroscore@qwestoffice.com Web site: www.ci.west-saint-paul.mn.us Web site: www.score-southmetro.org

City Governments

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

Business Directory

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PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE MINNESOTA PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE Notice of Public Sale: SS MINNE- MINNESOTA SECRETARY OF STATE SECRETARY OF STATE NOTICE TO NOTICE OF SALE Notice of Public Sale

CREDITORS AND CLAIMANTS NOTICE IS HEREBY GIVEN by Stephen E. Otto of Otto & Associates P.A. of the following: A. On October 30, 2009, the shareholders of BUTTLEMAN, INC. elected to commence voluntary dissolution of the corporation pursuant to Minnesota Statutes Section 302A.721.

B. On or about November 3, 2009, the corporation filed with the Minnesota Secretary of State its Notice of Intent to Dissolve.

C. Any and all claims against the corporation must be presented to its attorney, Stephen E. Otto, at Otto & Associates P.A., 3116 Fairview Avenue North, St. Paul, Minnesota 55113.

D. Any and all claims against the corporation must be received by the attorneys for the corporation no later than 90 days from the date of publication of this notice. Any creditor or claimant who fails to file a claim by this date is forever barred from taking legal action to collect its claim, except as otherwise provided by Minnesota Statute Section 302A.781.

OTTO & ASSOCIATES P.A. By: Stephen E. Otto Attorney I.D. #169110 3116 Fairview Avenue North St. Paul, MN 55113 (651) 636-1076 1971407 11/12-12/3/09

PUBLIC NOTICE NOTICE OF SALE

OF PERSONAL PROPERTY TO SATISFY LIEN THEREON NOTICE IS HEREBY GIVEN that the personal property described as follows: 1990 Cham Manufactured home, VIN# 0501664936AB currently located at 12457 Genesee Way, Apple Valley, Minnesota 55124, together with all miscellaneous personal property located therein will be sold at public auction by the Dakota County Sheriff on the 18th day of December, 2009 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 Rita Marie Franta (03/14/1938) Carol Jean Konakowitz (03/27/1965) and Green Tree Financial, as the owner(s) thereof to: Hometown Homes in the sum of Four-Thousand, Seven-Hundred, Sixty-Nine Dollars and 72/100 ($4,769.72) 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: November 17, 2009 Carol Williams, Agent Hometown Homes 1992015 11/26-12/10/09

PUBLIC NOTICE NOTICE 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-09-717 In Re: Estate of FLOYD R. NELSON, Decedent.

It is Ordered and Notice is given that on December 28, 2009 at 9:00 am, a hearing will be held in this Court at Hastings, Minnesota, on a petition for the formal probate of an instrument purporting to be the decedent’s Will dated February 4, 2004 for the appointment of Margaret E. Johnston, whose address is 3105 81st Street East, Inver Grove Heights, MN 55076 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: 11-17-09

BY THE COURT Robert Carolan Judge of District Court Robert M. Smith MN# 10274X 220 South Sixth Street Suite 2000 Minneapolis, MN 55402 Telephone: (612) 338-2663 Facsimile: (612) 338-5834 e-mail: bob@robertsmithlaw.com 1983768 11/26-12/3/09

SOTA, 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 December 9, 2009 on or after 10am at the Simply Self Storage location at 801 Lady Bird 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. Nelson #542-543 vinyl's, bikes, grills L. Nelson #548-549 luggage, TV, furniture 1992057 11/26-12/3/09

PUBLIC NOTICE Notice of Public Sale:

On December 11th, 2009 at 9:00 AM, a Lien Sale of personal property will be held at the Lakeville Premier Storage location at 21002 Heron Way, Lakeville, MN 55044.

Included in sale: 103 Tamara Washington, 17441 Gettysburg Way, Lakeville, MN 55044, Paint, cart, Lenox furnace, paint sprayer. TAG # 2556906 126 Ronald William, 20587 Hampshire Way, Lakeville, MN 55044, Boxes, totes, kids toys, Xmas tree, dehumidifiers, clothing. TAG 2556504 216 Gale Limbacher, 8532 210th Street West, Lakeville, MN 55044, Full of boxes, TAG 2556547 653 B&R Tax, 20469 Hamburg Ave, Lakeville, MN 55044, (2) HP printers, totes, Boxes, Auto Rims, Rocking Chair, Desk Cabinate. TAG#2556933 654 Bob Kruger, 19810 Jersey Ave Lakeville, MN 55044 (2) sets golf clubs, Direct TV equipment, weight set, audio equipment, couch, sleeper, totes, boxes. TAG #2556908 666 Denay Ferguson, 6305 Century Lane, Prior Lake, MN 55372 Xmas tree, luggage, totes. TAG#2556535 1992200 11/26-12/3/09

PUBLIC NOTICE ORDER FOR HEARING

AND NOTICE (PETITION FOR TERMINATION OF PARENTAL RIGHTS PROCEEDINGS) STATE OF MINNESOTA COUNTY OF DAKOTA COUNTY COURT JUVENILE DIVISION File No. HA-JV-09-4107 In the Matter of the Welfare of B.A.M., Child.

TO: Jason Michael Marrison Social Worker, Pauline Hayward, having filed in this Court, a petition alleging among other things that the above named child is, in need of protection or services, in this, viz: All rights of the parent(s) to the child should be terminated pursuant to Minnesota Statutes, section 260C.301, Subd. 1(b)(1), because the parent(s) have abandoned the child. 260C.301, Subd. 1(b)(4), because the parent(s) are palpably unfit to be a party to the parent and child relationship because of a consistent pattern of specific conduct before the child or of specific conditions directly relating to the parent and child relationship, either of which are determined by the court to be of a duration or nature that renders the parent unable, for the reasonably foreseeable future, to care appropriately for the ongoing physical, mental, or emotional needs of the child. It is presumed that a parent is palpably unfit to be a party to the parent and child relationship upon a showing that the parent’s parental rights to one or more other children were involuntarily terminated or that the parent(s)’ custodial rights to another child have been involuntarily transferred to a relative.

260C.301, Subd. 1(b)(5), because following the child’s placement out of the home, reasonable efforts, under the direction of the court, have failed to correct the conditions leading to the child’s placement. 260C.301, Subd.

1(b)(7), because the child was born to a mother who was not married to the child’s father when the child was conceived nor when the child was born, the person is not entitled to notice of an adoption hearing under section 259.49 and the person has not registered with the father’s adoption registry under section 259.52.

IF YOU FAIL TO APPEAR FOR THIS HEARING, THE COURT MAY CONDUCT THE HEARING IN YOUR ABSENCE AND THE HEARING MAY RESULT IN THE TERMINATION OF YOUR PARENTAL RIGHTS. IT IS ORDERED that said petition be heard and the facts concerning such child be examined by the Court in the C o u n t y C o u r t R o o m , i n t h e C o u rt House, in Hastings, Minnesota, on December 30, 2009 at 10:00 am, or as soon thereafter as said matter can be heard; IT IS FURTHER ORDERED that notice hereof be given to the following named persons by three weeks publication in a legal newspaper as provided by law, viz: Jason Michael Marrison.

Dated: November 19, 2009 Richard G. Spicer Judge 1991188 11/26-12/10/09

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: Johnstone Supply 2. State the address of the principal place of business: 2680 East 81st Street, Bloomington, MN 55425 3. List the name and complete street address of all persons conducting business under the above Assumed Name, or if the business is a corporation, provide the legal corporate name and registered office address of the corporation.

Triple J Enterprises, Inc., 2550 Wabash Avenue, St. Paul, MN 55114 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 11/5/09 Timothy R. Duncan Corporate Counsel 1993719 12/3-12/10/09

PUBLIC NOTICE

MINNESOTA SECRETARY OF STATE CERTIFICATE OF ASSUMED NAME Minnesota Statutes Chapter 333 The filing of an assumed name does not provide a user with exclusive rights to that name. The filing is required for consumer protection in order to enable consumers to be able to identify the true owner of a business.

1. State the exact assumed name under which the business is or will be conducted: AmericasHomeBridge.com 2. State the address of the principal place of business: 3000 County Road 42W, Suite 310, 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.

MyLoanRestructure.com, LLC, 3000 County Road 42W, Suite 310, Burnsville, MN 55337 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath.

Date 11/12/2009 Craig Nester, President 1987793 11/26-12/3/09

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-09-738 In Re: Estate of Barbara J. Smith, also known as Barb Smith, Decedent.

It is Ordered and Notice is given that on December 28, 2009 at 9:00 a.m. a hearing will be held in this Court at Dakota County Judicial Center, 1560 H i g h w a y 5 5 , H a s t i n g s , M i n n e s o ta 55033, on a petition for the formal probate of an instrument purporting to be the decedent’s Will dated December 22, 2008, and for the appointment of Kristine E. Smith, whose address is 1230 Paris Avenue North, West Lakeland, Minnesota 55082, 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: 11/25/09

BY THE COURT Pat Sutherland Judge of District Court ROGGEMAN LAW OFFICE Chad M. Roggeman, MN #028788X P.O. Box 7305 Saint Cloud, MN 56302-7305 Telephone: (320) 229-7466 e-mail: chad@roggemanlaw.com 1997267 12/3-12/10/09

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: Jaguar Blu Graphic Design 2. State the address of the principal place of business: 20405 Howland Ave W, 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.

Tanya Hobert, 20405 Howland Ave W, Lakeville, MN 55044 Sandy Nichols, 20405 Howland Ave W, 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 10-4-09 Tanya Hobert, President/Owner 1996797 12/3-12/10/09

PUBLIC NOTICE

SUMMONS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT File No. 19HA-CV-09-6916 Case Type: Contract\Replevin.

Green Tree Loan Company, f/k/a Green Tree Financial Loan Company, Plaintiff, vs.

Alfonso M. Pulido and Gustavo M. Chagoya, Defendants.

THE STATE OF MINNESOTA TO THE ABOVE-NAMED DEFENDANTS: YOU are hereby summoned and required to serve upon Plaintiff’s attorney an answer to the complaint which is herewith served upon you, within 20 days after service of this summons upon you, exclusive of the day of service. If you fail to do so, judgment by default will be taken against you for the relief demanded in the complaint. You are hereby notified that Alternative Dispute Resolution processes may be available in the above entitled action pursuant to the provisions of Minnesota General Rule of Practice 114.

Dated: November 4, 2009.

FOLEY & MANSFIELD, P.L.L.P. By: Thomas J. Lallier (#163041) Attorneys for Plaintiff 250 Marquette Avenue, Suite 1200 Minneapolis, MN 55401 (612) 338-8788 1987411 11/26-12/10/09

OF PERSONAL PROPERTY TO SATISFY LIEN THEREON NOTICE IS HEREBY GIVEN that the personal property described as follows: 1982 Mars Manufactured home, VIN# 45669 currently located at 2915 138th St. West, Rosemount, Minnesota 55068, together with all miscellaneous personal property located therein will be sold at public auction by the Dakota County Sheriff on the 18th day of December, 2009 at 1:00 P.M., at Rosemount Woods Community Office, 13925 Bunratty Avenue, in the city of Rosemount, County of Dakota, State of Minnesota, to pay and satisfy a lien which is claimed to be due thereon from Kimberly Ann Oldfield (a/k/a Kimberly Ann Gielda) (04/04/1964), Mark Andrew Oldfield (01/27/1962) and Green Tree Acceptance, Inc. as the owner(s) thereof to: Hometown Homes in the sum of Four-Thousand, Sixty-Two Dollars and 70/100 ($4,062.70) 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: November 17, 2009 Carol Williams, Agent Hometown Homes 1992006 11/26-12/10/09

#14 Jay Traub, 2901 Blackstone Ave S St Louis Park, MN 55413 Partial inventory: Dodge Challenger l i c e n s e # 1 9 3 C C V I N # 2B3LJ74W09H527418, Harley Davidson license #35177MG VIN# 1HD1JK5108Y072309 Tag #2522860 # 49 Cliff Wangerin, 13442 Settlers Ridge Dr Burnsville, MN 55337 Partial inventory: Woodworking tools, hammer drill, desk, wheelbarrow, tires, job site toolbox Tag #2522519 #92 Louis Sorrell, 14923 Summit Circle NW Prior Lake, MN 55372 Partial inventory: TV, entertainment center, Dish Network equipment, surround sound, clothing, leather couch, patio furniture, luggage Tag #2522445 #214 Mark Olson, PO Box 375 Lakeville, MN 55044 Partial inventory: Leonard trailer MN registration # AASC423, Cargo King trailer license #CPT8511 VIN # 5LABE14273W042278 1992022 11/26-12/3/09

NOTICE PUBLIC NOTICE PUBLIC SUMMONS

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: Duluth Deer Classic 2. State the address of the principal place of business: 14550 Granada Dr., 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.

Shamrock Productions Inc., 14550 Granada Dr., Apple Valley, MN 55124 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath.

Date September 9, 2009 Randall W. Schauer, President 1993789 12/3-12/10/09

NOTICE PUBLIC NOTICE PUBLIC NOTICE OF AND ORDER NOTICE AND ORDER

FOR HEARING ON PETITION FOR DESCENT OF PROPERTY STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT PROBATE DIVISION FIRST JUDICIAL DISTRICT Court File No. 19HA-PR-09-734 ESTATE OF ARTHUR H. FLATTEN, DECEDENT A Petition for Determination of Descent has been filed with this Court.

The Petition represents that the Decedent died more than three years ago, leaving property in Minnesota and requests the probate of Decedent’s last will, if any, and the descent of such property be determined and assigned by this Court to the persons entitled to the property.

Any objections to the Petition must be filed with the Court prior to or raised at the hearing. If proper, and no objections are filed or raised, the Petition may be granted.

IT IS ORDERED and Notice is further given, that the Petition will be heard on December 28, 2009 at 9:00 a.m. by this Court at Dakota County Judicial Center, 1560 Highway 55, Hastings, Minnesota.

(1) Notice shall be given to all interested persons (Minn. Stat. 524.1-401) and persons who have filed a demand for notice pursuant to Minn. Stat.

524.3-204.

(2) Notice shall be given by publishing the Notice and Order as provided by law and by: Mailing a copy of this Notice and Order at least 14 days prior to the hearing date.

Date 11/23/09 Karen Asphaug Judge (COURT SEAL) Attorney For Petitioner Loren Gross Loren Gross, #38118 Attorney at Law 8609 Lyndale Avenue South, Suite 214 Bloomington, MN 55420 Phone 952-881-8636 Fax 952-881-9150 1997030 12/3-12/10/09

On December 11, 2009 at 10:00AM a Lien Sale of personal property will be held at the Lakeville Storage Center location at 9455 215th St W Lakeville, MN 55044.

Included in sale: #8 Brandon Maki, 1251 Prairie View Trail Farmington, MN 55024.

Partial inventory: Big screen TV, gas grill, storage totes, jet ski, bike, extension ladder, kitchen table, clothes washer, refrigerator. Tag # 2522508

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-09-718 In Re: Estate of Verna Margaret Speldrick, Decedent.

It is Ordered and Notice is given that on December 28, 2009 at 9:00 a.m., a hearing will be held in this Court at the Dakota County Judicial Center, 1560 Highway 55 West, Hastings, Minnesota 55033, for the adjudication of intestacy and determination of heirs of the decedent, and for the appointment of Craig A. Speldrick, whose address is 7133 Blake Path, Inver Grove Heights, Minnesota 55076, 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 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 (4) months after the date of this notice or the claims will be barred.

Dated: 11-17-09

BY THE COURT Robert Carolan Judge of District Court David J Raymond (MN#221818) Raymond Law Offices PA 5838 Blackshire Path Inver Grove Heights, Minnesota 55076 Telephone: (651) 455-3100 Facsimile: (651) 455-4811 1991115 11/26-12/3/09

STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT Court File Number: 19HA-CV-09-210 Case Type: Contract City-County Federal Credit Union, Plaintiff, v.

Leah D. Primus, Shawn L. Primus; John Doe, Jane Doe, and ABC Entity, whose true names are not currently known, Defendants.

THE STATE OF MINNESOTA TO THE ABOVE NAMED DEFENDANTS: You are hereby summoned and required to serve upon the plaintiff’s attorneys an answer to the complaint, which is on file in the Office of the District Court Administrator, within 20 days after service of this summons upon you, exclusive of the day of service. If you fail to do so, judgment by default will be taken against you for the relief demanded in the complaint.

The object of this action is to obtain a judgment against the defendants for amounts owed to the plaintiff.

Dated: November 12, 2009 /s/ Joseph A. Casteel Joseph A. Casteel Attorney License Number 0389677 Lee W. Mosher Attorney License Number 007570X Davern McLeod & Mosher LLP Suite 150 7500 Olson Memorial Highway Golden Valley, MN 55427-4872 Telephone 763-545-5600 Attorneys for Plaintiff 1982283 11/19-12/3/09

PUBLIC NOTICE

SUMMONS STATE OF MINNESOTA COUNTY OF SCOTT DISTRICT COURT FIRST JUDICIAL DISTRICT File No. 70-CV-09-27717 CASE TYPE: Reliakor Services, Inc., a Minnesota corporation Plaintiff, v.

Medina Construction, Inc., a Minnesota corporation and John Medina, Defendants.

THE STATE OF MINNESOTA TO THE ABOVE-NAMED DEFENDANTS. You are hereby summoned and required to serve upon Plaintiff's attorneys an answer to the complaint which is herewith served upon you within twenty (20) days after service of this Summons upon you, exclusive of the day of service. If you fail to do so, judgment by default will be taken against you for the relief demanded in the complaint.

This case may be subject to Alternative Dispute Resolution (ADR) processes under Rule 114 of the General Rules of Practice for the District Courts. The Court Administrator or your attorney can provide you with information about ADR options and a list of neutrals available in your area.

ADR does not affect your obligation to respond to the summons and complaint within twenty (20) days.

Dated: 10/13/09 James M. Susag (261038) Paul B. Plunkett (144447) Julie N. Nagorski (389212) Larkin Hoffman Daly & Lindgren Ltd. 1500 Wells Fargo Plaza 7900 Xerxes Avenue South Minneapolis, Minnesota 55431-1194 (952) 835-3800 Attorneys for Reliakor Services, Inc. 1281354.1 1989465 11/26-12/10/09

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PUBLIC NOTICE Notice of Hearing by Publication

(Minn. Stat. § 518B.01, subd. 8) State of Minnesota County of DAKOTA District Court FIRST Judicial District Court File Number: 19WS-FA-08-1471 Case Type: Domestic Abuse In the Matter of: YESENIA GALVEZ, Petitioner vs.

ADRIAN VILLAGRANA GALVEZ, Respondent To Respondent named above: An order has been issued directing you to appear at Dakota County District Court, 1 Mendota Rd W #140, West St Paul, MN on December 22, 2009 at 9:00 a.m. and explain why the relief sought in the Petition for the Order for Protection should not be granted.

You may obtain a copy of the Petition and any order issued from the court from the Dakota County Court Administrator’s Office.

If you do not appear at the scheduled hearing, the Petitioner’s request may be granted as a default matter.

Failure to appear will not be a defense to prosecution for violation of the Court’s Order.

Date November 25, 2009 Carolyn M Renn Court Administrator Lori Schnepf SENIOR COURT CLERK 1996008 12/3/09

PUBLIC NOTICE MINNESOTA SECRETARY OF STATE

CERTIFICATE OF ASSUMED NAME Minnesota Statutes Chapter 333 The filing of an assumed name does not provide a user with exclusive rights to that name. The filing is required for consumer protection in order to enable consumers to be able to identify the true owner of a business.

1. State the exact assumed name under which the business is or will be conducted: Chef at the Door 2. State the address of the principal place of business: 13682 Birchwood Ave., Rosemount, MN 55068 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.

Chefwerx LLC., 13682 Birchwood Ave., Rosemount, MN 55068 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 11/13/2009 Jodie Miller/Owner 1996951 12/3-12/10/09

PUBLIC NOTICE ORDER FOR

HEARING AND NOTICE (Petition for Termination of Parental Rights PROCEEDINGS) COUNTY OF DAKOTA STATE OF MINNESOTA COUNTY COURT JUVENILE DIVISION File No. 19HA-JV-09-3904 In the Matter of the Welfare of D.A.W., Child.

TO: Prince Ra’Mone Williams Dakota County Social Services, having filed in this Court, a petition alleging among other things that the above named child, in need of protection or services, in this, viz: All rights of the parents to the child should be terminated pursuant to Minnesota Statutes, section: 260C.301, Subd. 1(b)(1), because the parent has abandoned the child.

260C.301, Subd. 1(b)(4), because the parents are palpably unfit to be a party to the parent and child relationship.

260C.301, Subd. 1(b)(5), because following the child’s placement out of the home, reasonable efforts, under the direction of the court, have failed to correct the conditions leading to the child’s placement.

260C.301, Subd. 1(b)(7), because the parents were not married at the time of the child’s conception and birth and is not entitled to notice of an adoption hearing under section 259.49 and the father has not registered with the fathers’ adoption registry under section 259.52.

260C.301, Subd. 1(b)(8), because the child is neglected and in foster care.

IT IS ORDERED that said petition be heard and the facts concerning such child be examined by the Court in the C o u n t y C o u r t R o o m , i n t h e C o u rt House, in Hastings, Minnesota, on December 16, 2009 at 8:30 am, or as soon thereafter as said matter can be heard; IT IS FURTHER ORDERED that notice hereof be given to the following named persons by 3 weeks publication in a legal newspaper as provided by law, viz: Prince Ra’Mone Williams.

IF YOU FAIL TO APPEAR THE COURT MAY CONDUCT THE HEARING IN YOUR ABSENCE AND THE HEARING MAY RESULT IN THE TERMINATION OF YOUR PARENTAL RIGHTS. Dated: November 13, 2009 Richard G. Spicer Judge 1983168 11/19-12/3/09

PUBLIC NOTICE MINNESOTA PUBLIC NOTICE PUBLIC NOTICE MINNESOTA SECRETARY OF STATE SECRETARY OF STATE NOTICE OF AND ORDER

FOR HEARING ON PETITION FOR FORMAL PROBATE OF LOST 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-09-740 In Re: Estate of Jeanne C. Baker, aka, Jeanne Claire Baker, aka, Jeanne Baker, Decedent.

It is Ordered and Notice is given that on December 28, 2009 at 9:00 A.M., a hearing will be held in this Court at Dakota County Government Center, Minnesota, on a petition for the formal probate of an instrument purporting to be a copy of the decedent’s Will dated October 6, 2000, and original Codicil dated October 25, 2005 and for the appointment of Maria B. Smith, whose address is 4357 Nestling Circle, Eagan, MN 55152 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: 11/25/09

BY THE COURT Michael Mayer Judge of District Court SANDRA S. SATHER, P.A. Sandra S. Sather MN# 0274112 5038 34th Avenue South Minneapolis, MN 55417 Telephone: 612-721-1225 Facsimile: 612-721-4489 e-mail: satherlaw@comcast.net 1996875 12/3-12/10/09

PUBLIC NOTICE ORDER TO SHOW CAUSE

STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT COURT FILE NO. 19HA-CV-09-6070 In the Matter of the Petition of: SunTrust Mortgage, Inc., In Relation to Certificate of Title No. 140670 issued for land in the County of Dakota and State of Minnesota and legally described as: Unit No. 107, CIC No. 488, River Ridge of Eagan Condominiums, a condominium located in the County of Dakota.

TO: Brent Stein; 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 23rd day of December, 2009, 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. 140670 and enter a new Certificate of Title for the land therein described in favor of Bruce Gibson, free from all other memorials now appearing on the present Certificate of Title, the last of which is Document No. 642794, 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 2, 2009

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: David R. McCalip Wilford & Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125 1997596 12/3-12/10/09

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: EUREKA-TEK 2. State the address of the principal place of business: 24545 HIGHVIEW 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.

Bruce Tormoen, 8240 James Ave So., Bloomington, MN 55431 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 September 3, 2009 Bruce Tormoen, Owner Igor Feyda, Owner 1993874 12/3-12/10/09

PUBLIC NOTICE

MINNESOTA SECRETARY OF STATE CERTIFICATE OF ASSUMED NAME Minnesota Statutes Chapter 333 The filing of an assumed name does not provide a user with exclusive rights to that name. The filing is required for consumer protection in order to enable consumers to be able to identify the true owner of a business.

1. State the exact assumed name under which the business is or will be conducted: Valley Lawn Maintenance 2. State the address of the principal place of business: 16865 Javelin Avenue, 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.

John Senftner, 16865 Javelin Avenue, Lakeville, Minn 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 10/26/09 John Senftner, Owner 1996727 12/3-12/10/09

PUBLIC NOTICE NOTICE AND ORDER OF HEARING

ON PETITION FOR PROBATE OF WILL, APPOINTMENT OF CO-PERSONAL REPRESENTATIVES AND NOTICE TO CREDITORS AND DISTRIBUTION OF NON-PROBATE ASSETS STATE OF MINNESOTA COUNTY OF DAKOTA FIRST JUDICIAL DISTRICT DISTRICT COURT PROBATE DIVISION Court File No. 19HA-PR-09-723 Estate of Loring Kenneth Baker, Jr., a/k/a L. Kenneth Baker, Jr., Decedent.

It is Ordered and Notice is given that on December 28, 2009, at 9:00 a.m., a hearing will be held in this Court at 1560 Highway 55, Hastings, Minnesota, for the formal probate of an instrument purporting to be the Will of the Decedent dated, June 23, 2004, (“Will”), for the appointment of Gregory R. Baker and Jay K. Baker, whose addresses are 1770 58th Court East, Inver Grove Heights, MN 55077 and 8027 Homestead Avenue South, Cottage Grove, MN 55016, respectively, as Co-Personal Representatives of the Estate of the Decedent in an UNSUPERVISED administration, and distribution of non-probate assets. Any objections to the petitions must be filed with the Court prior to or raised at the hearing. If proper and if no objections are filed or raised, the Co-Personal Representatives 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 Co-Personal Representatives or to the Court Administrator within four months after the date of this Notice or the claims will be barred.

Dated: 11-18-2009

BY THE COURT Edward Lynch Judge of District Court Attorney for Petitioner Angela M. Lutz Amann LeVander, Gillen & Miller, P.A. 633 South Concord Street, Suite 400 South St. Paul, MN 55075 Attorney License No: 249622 Telephone: (651) 451-1831 FAX: (651) 450-7384 Email: aamann@levander.com 1992081 11/26-12/3/09

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: TOUCH OF HOME FURNISHINGS. 2. State the address of the principal place of business: 1998 HIGHWAY 13 EAST, 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.

BARE ENTERPRISES, INC., 605 E 136TH STREET, BURNSVILLE, MN 55337 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath.

Date 10/29/09 BERNARD PURDY, PRESIDENT 1990553 11/26-12/3/09

PUBLIC NOTICE ORDER FOR

HEARING AND NOTICE (JUVENILE PROTECTION PETITION TO TRANSFER PERMANENT LEGAL AND PHYSICAL CUSTODY PROCEEDINGS) STATE OF MINNESOTA COUNTY OF DAKOTA COUNTY COURT JUVENILE DIVISION File No. HA-JV-09-4094 In the Matter of the Welfare of A.M.F-T. and J.A.F-T., Children.

TO: Andrea Rose Johnson a/k/a Andrea Rose Franco Dakota County Attorney, Kathryn Scott, having filed in this Court, a petition alleging among other things that the above named children is, in need of protection or services, in this, viz: Pursuant to Minnesota Statutes: 260C.201, Subd. 11 and 518.156, 518.17, and 518.18, Dakota County Social Services will petition the Court to transfer full legal and physical custody of the above named children.

IT IS ORDERED that said petition be heard and the facts concerning such children be examined by the Court in the County Court Room, in the Court House, in Hastings, Minnesota, on December 30, 2009 at 10:00 am, or as soon thereafter as said matter can be heard; IT IS FURTHER ORDERED that notice hereof be given to the following named persons by three weeks publication in a legal newspaper as provided by law, viz: Andrea Rose Johnson a/k/a Andrea Rose Franco.

Dated: November 19, 2009 Richard G. Spicer Judge 1991149 11/26-12/10/09

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 05, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $192,086.00 MORTGAGOR(S): Peter D Banaszewski and Andrea L Banaszewski, husband and wife MORTGAGEE: The Secretary of Veterans Affairs, an officer of the United States of America DATE AND PLACE OF RECORDING: Recorded: August 15, 2006 Dakota County Recorder, Document Number: 2453790 ASSIGNMENTS OF MORTGAGE: And assigned to: Deutsche Bank National Trust Co., as trustee for Vendee Mortgage Trust 2008-1, C/O Countrywide Home Loans, Dated: March 18, 2008, Recorded: May 05, 2008 Dakota County Recorder, Document Number: 2588382 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: The Secretary of Veterans Affairs, an officer of the United States of America Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 19289 Eureka Ave W, Farmington, MN 55024-9255 Tax Parcel ID Number: 14-256-00-020-03 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 3, Fair Hills Addition, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $212,393.89 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 17, 2009 at 10:00 AM

ber 17, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on June 17, 2010, or the next business day if June 17, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 29, 2009 ASSIGNEE OF MORTGAGEE: Deutsche Bank National Trust Co., as trustee for Vendee Mortgage Trust 2008-1 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006605F01 1957440 10/29-12/3/09

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-09-725 In Re: Estate of Michael Dennis Kovacs, 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 September 25, 2003. The Registrar accepted the application and appointed Beth M. Kovacs, whose address is 112 17th Avenue North, South St. Paul, Minnesota 55075, 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: November 19th, 2009 Carol M. Renn Registrar By: Joann Bauer Deputy Registrar Vance B. Grannis, Jr. (MN# 36821) Grannis & Hauge, P.A. 1260 Yankee Doodle Road, Suite 200 Eagan, Minnesota 55121 Telephone: (651) 456-9000 Facsimile: (651) 454-4232 ATTORNEY FOR PERSONAL REPRESENTATIVE 1992167 11/26-12/3/09

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: February 19, 2004 MORTGAGORS: John McDevitt and Jolene Robinson-McDevitt, husband and wife.

MORTGAGEE: Ameriquest Mortgage Company.

Company.

DATE AND PLACE OF RECORDING: Recorded March 10, 2004, Dakota County Recorder, Document No. 2183961.

ASSIGNMENTS OF MORTGAGE: Assigned to: Mortgage Electronic Registration Systems, Inc., Dated: February 26, 2004, Recorded: September 13, 2004, Document No. 2247140. And thereafter assigned to: Household Industrial Finance Company, Dated: October 13, 2009.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Ameriquest Mortgage Company RESIDENTIAL MORTGAGE SERVICER: HSBC Bank USA, N.A. MORTGAGED PROPERTY ADDRESS: 4351 Jennifer Court, Saint Paul, MN 55123 TAX PARCEL I.D.#: 10-45093-090-02 LEGAL DESCRIPTION OF PROPERTY: Lot 9, Block 2, Lexington Pointe 9th Addition.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $486,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $482,772.21 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: December 29, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 29, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 21, 2009.

Household Industrial Finance Company Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 43-373 0008436586 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1957693 10/29-12/3/09

PUBLIC NOTICE NOTICE OF ASSESSMENT LIEN

FORECLOSURE SALE Date: October 5, 2009 YOU ARE NOTIFIED THAT: 1. Default has occurred in the terms and conditions of the Declaration for Diamond Path Villages, Inc. (hereinafter the "Association") which was recorded as Document No. 537352 on April 6, 1979, in the Office of the Dakota County Recorder, covering the following property: LEGAL DESCRIPTION: Lot 18, Block 1, Diamond Path Villages 6th Addition, Dakota County, Minnesota STREET ADDRESS: 14722 Embry Path, Apple Valley, MN 55124 TAX PARCEL ID NUMBER: 01-20505-018-01 2. Pursuant to said Declaration, there is claimed to be due and owing as of October 5, 2009, from Peter Bohlig, title holder, to the Association, a Minnesota non-profit corporation, the amount of $10,973.29 for unpaid association dues, late fees, attorneys fees and costs, plus any other such amounts that will accrue after October 5, 2009, and other costs of collection and foreclosure which will be added to the amount claimed due and owing at the time of the sale herein.

3. No action is now pending at law or otherwise to recover said debt or any

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otherwise to recover said debt or any part thereof.

4. That all preforeclosure requirements have been met.

5. The owner has not been released from his financial obligation to pay said amount.

6. The Declaration, referenced above, provides for a continuing lien against the property. A Notice of Lien evidencing the amount due was recorded on September 23, 2009, as Document No. 2686180 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, 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 10th day of December, 2009, 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 owner, his 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 June 10, 2010, if the account is not reinstated or the owner does not redeem from the foreclosure sale.

REDEMPTION NOTICE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. 9. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. DIAMOND PATH VILLAGE ASSOCIATION, INC. Attorneys for Diamond Path Village Association, Inc. THOMSEN NYBECK By: Gretchen S. Schellhas (#195595) 3600 American Blvd. West, Suite 400 Bloomington, Minnesota 55431 (952) 835-7000 (Diamond Path Village Bohlig/09-7-195D) 1956614 10/29-12/3/09

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 23, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $163,000.00 MORTGAGOR(S): Mary Lackore aka Mary Louise Lackore, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: March 03, 2005 Dakota County Recorder, Document Number: 2301030 ASSIGNMENTS OF MORTGAGE: And assigned to: The Bank Of New York Mellon fka The Bank Of New York as trustee for the Certificateholders Of CWABS 2005-AB1, Dated: August 18, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700046109357 Lender or Broker: America's Wholesale Lender Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 364 Upper Wood Way, Burnsville, MN 55337-5730 Tax Parcel ID Number: 02-84812-110-04 LEGAL DESCRIPTION OF PROPERTY: Lot 11, Block 4, Wood Park Plat 13, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $177,397.26 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 10, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the prop-

under Minn. Stat. §580.30 or the prop erty is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on June 10, 2010, or the next business day if June 10, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 29, 2009 ASSIGNEE OF MORTGAGEE: The Bank Of New York Mellon fka The Bank Of New York as trustee for the Certificateholders Of CWABS 2005-AB1 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007957F01 1957895 10/29-12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 28, 2006 MORTGAGORS: A r m a n d o S a n c h e z and Nickie Yang, both single.

MORTGAGEE: J P M o r g a n C h a s e Bank, National Association as successor in interest to Washington Mutual Bank as successor in interest to Long Beach Mortgage Company.

DATE AND PLACE OF RECORDING: Recorded May 18, 2006, Dakota County Recorder, Document No. 2430568.

ASSIGNMENTS OF MORTGAGE: Assigned to: Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-6, Dated: October 8, 2009 TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Long Beach Mortgage Company RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association as successor in interest to Washington Mutual Bank MORTGAGED PROPERTY ADDRESS: 1507 Circle Drive, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-82203-040-02 LEGAL DESCRIPTION OF PROPERTY: Lot Four (4), Block Two (2) of Vista View 4th Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $179,200.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $188,465.88 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 5, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 6, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR,

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: October 21, 2009.

Deutsche Bank National Trust Company, as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2541 0698047560 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1958810 10/29-12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: February 17, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $128,000.00 MORTGAGOR(S): Joel E. Seidl, single person MORTGAGEE: TCF Mortgage Corporation DATE AND PLACE OF RECORDING: Recorded: March 31, 2003 Dakota County Recorder Document Number: 2022254 ASSIGNMENTS OF MORTGAGE: And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: May 01, 2006, Recorded: May 08, 2006 Dakota County Recorder Document Number: 2426791 And assigned to: U.S. Bank National Association, Dated: November 24, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001820164 Lender or Broker: TCF Mortgage Corporation Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 2020 Maple St, Hastings, MN 55033-3538 Tax Parcel ID Number: 19-83752-149-00 LEGAL DESCRIPTION OF PROPERTY: Lot 149, Westwood Addition Third Section AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $121,920.89 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 21, 2010, or the next business day if July 21, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 03, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 001692F02 1997575 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: April 27, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $202,000.00 MORTGAGOR(S): Anthony Hall and Chelsea Hall, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: May 10, 2007 Dakota County Recorder, Document Number: 2515903 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, L.P., Dated: November 30, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100103210000173251 Lender or Broker: Prime Mortgage Corporation Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 14263 Banyan Ln, Rosemount, MN 55068-3495 Tax Parcel ID Number: 34-14700-850-05 LEGAL DESCRIPTION OF PROPERTY: Lot 85, Block 5, Bloomfield, Common Interest Community Number 250, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $201,365.03 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 21, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 21, 2010, or the next business day if July 21, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 03, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010658F01 1997845 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 1 1 , 2007 MORTGAGOR: Robert L. Rick, a married person.

MORTGAGEE: J P M o r g a n C h a s e Bank, N.A. as successor in interest to Washington Mutual Bank, FA. DATE AND PLACE OF RECORDING: Recorded May 10, 2007, Dakota County Recorder, Document No. 2515696.

ASSIGNMENTS OF MORTGAGE: Assigned to: Bank of America, National Association as successor by merger to LaSalle Bank NA, as trustee for Washington Mutual Mortgage Pass-Through Certificates WMALT Series 2007-OC1 Trust, Dated: November 5, 2008, Recorded: May 6, 2009, Document No. 2654936. And thereafter assigned to: Bank of America, National Association as suc-

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������ ������ ������� �������� �� ���� America, National Association as suc Addition, Dakota County, Minnesota cessor by merger to LaSalle Bank NA, COUNTY IN WHICH PROPERTY IS as trustee for Washington Mutual LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF Mortgage Pass-Through Certificates WMALT Series 2007-OA4 Trust, Dated: MORTGAGE: $203,000.00 AMOUNT DUE AND CLAIMED TO BE September 15, 2009 DUE AS OF DATE OF NOTICE, INCLUDTRANSACTION AGENT: NONE T R A N S A C T I O N A G E N T ' S M O R T - ING TAXES, IF ANY, PAID BY MORTGAGE IDENTIFICATION NUMBER ON GAGEE: $208,879.28 That prior to the commencement of MORTGAGE: NONE LENDER OR BROKER AND MORT- this mortgage foreclosure proceeding G A G E O R I G I N A T O R S T A T E D O N Mortgagee/Assignee of Mortgagee comM O R T G A G E : W a s h i n g t o n M u t u a l plied with all notice requirements as required by statute; That no action or Bank, FA R E S I D E N T I A L M O R T G A G E S E R - proceeding has been instituted at law VICER: JPMorgan Chase Bank, or otherwise to recover the debt National Association as successor in secured by said mortgage, or any part thereof; interest to Washington Mutual Bank PURSUANT to the power of sale conMORTGAGED PROPERTY ADDRESS: 2406 Rushmore Road, Hastings, MN tained in said mortgage, the above 55033 described property will be sold by the TAX PARCEL I.D.#: 19-29702-310-03 Sheriff of said county as follows: DATE AND TIME OF SALE: DecemLEGAL DESCRIPTION OF PROPber 10, 2009 at 10:00 AM ERTY: PLACE OF SALE: S h e r i f f ' s O f f i c e , Lot 31, Block 3, Glendale Heights Law Enforcement Center, 1580 Hwy 3rd Addition COUNTY IN WHICH PROPERTY IS 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF Mortgage, and taxes, if any, on said MORTGAGE: $203,020.00 premises, and the costs and disburseAMOUNT DUE AND CLAIMED TO BE m e n t s , i n c l u d i n g a t t o r n e y s ' f e e s DUE AS OF DATE OF NOTICE, INCLUD- allowed by law subject to redemption ING TAXES, IF ANY, PAID BY MORT- within six (6) months from the date of GAGEE: $233,533.51 said sale by the mortgagor(s), their That prior to the commencement of personal representatives or assigns this mortgage foreclosure proceeding unless reduced to Five (5) weeks under Mortgagee/Assignee of Mortgagee com- MN Stat. §580.07. plied with all notice requirements as TIME AND DATE TO VACATE PROPrequired by statute; That no action or E R T Y : I f t h e r e a l e s t a t e i s a n proceeding has been instituted at law owner-occupied, single-family dwello 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 ing, unless otherwise provided by law, secured by said mortgage, or any part the date on or before which the mortthereof; gagor(s) must vacate the property if the PURSUANT to the power of sale con- mortgage is not reinstated under sectained in said mortgage, the above tion 580.30 or the property is not described property will be sold by the redeemed under section 580.23 is 11:59 p.m. on June 10, 2010.

Sheriff of said county as follows: DATE AND TIME OF SALE: DecemMORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTber 17, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , GAGE: None "THE TIME ALLOWED BY LAW FOR Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN REDEMPTION BY THE MORTGAGOR, 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: October 14, 2009. ing, unless otherwise provided by law, CitiMortgage, Inc. the date on or before which the mortMortgagee/Assignee of Mortgagee gagor(s) must vacate the property if the mortgage is not reinstated under sec- USSET, WEINGARDEN AND LIEBO, P.L.L.P. tion 580.30 or the property is not By: Paul A. Weingarden redeemed under section 580.23 is Attorneys for Mortgagee/Assignee of Mortgagee 11:59 p.m. on June 17, 2010.

MORTGAGOR(S) RELEASED FROM 4500 Park Glen Road #300 FINANCIAL OBLIGATION ON MORT- Minneapolis, MN 55416 (952) 925-6888 GAGE: None "THE TIME ALLOWED BY LAW FOR 10-2422 REDEMPTION BY THE MORTGAGOR, 2005568648 THE MORTGAGOR'S PERSONAL REP- THIS IS A COMMUNICATION FROM RESENTATIVES OR ASSIGNS, MAY BE A DEBT COLLECTOR. 10/29-12/3/09 REDUCED TO FIVE WEEKS IF A JUDI- 1958480 CIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG NOTICE OF ASSESSMENT LIEN OTHER THINGS, THAT THE MORTFORECLOSURE SALE GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF Date: October 5, 2009 YOU ARE NOTIFIED THAT: LESS THAN FIVE UNITS, ARE NOT 1. Default has occurred in the terms PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E and conditions of the Declaration for Jefferson Commons Association (hereABANDONED." inafter the "Association") which was Dated: October 22, 2009. recorded as Document No. 1443836 Bank of America, N.A., trustee Mortgagee/Assignee of Mortgagee on September 11, 1997, in the Office of USSET, WEINGARDEN AND LIEBO, P.L.L.P. the Dakota County Recorder, and also, pursuant to Minn. Stat. §515B.3-116, By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of covering the following property: L E G A L D E S C R I P T I O N : Lot 3, Mortgagee Block 2, Heritage Square Addition, 4500 Park Glen Road #300 CIC No. 228, Dakota County, MinneMinneapolis, MN 55416 sota (952) 925-6888 STREET ADDRESS: 20104 Home60-1603 fire Way, Lakeville, MN 55044 3013413806 TAX PARCEL ID NUMBER: THIS IS A COMMUNICATION FROM 22-32100-030-02 A DEBT COLLECTOR. 2. Pursuant to said Declaration, 1958831 10/29-12/3/09 there is claimed to be due and owing as of October 5, 2009, from Patricia Rasmussen, title holder, to the AssoNOTICE OF MORTGAGE ciation, a Minnesota non-profit corpoFORECLOSURE SALE ration, the amount of $3,722.50 for THE RIGHT TO VERIFICATION OF unpaid association dues, late fees, THE DEBT AND IDENTITY OF THE attorneys fees and costs, plus any ORIGINAL CREDITOR WITHIN THE other such amounts that will accrue T I M E P R O V I D E D B Y L A W I S N O T after October 5, 2009, and other costs AFFECTED BY THIS ACTION. of collection and foreclosure which NOTICE IS HEREBY GIVEN, that will be added to the amount claimed default has occurred in conditions of due and owing at the time of the sale the following described mortgage: herein.

DATE OF MORTGAGE: July 23, 2008 3. No action is now pending at law or MORTGAGORS: D e b o r a h L . R e i n - otherwise to recover said debt or any ardy and Keith L. Reinardy, WIFE AND part thereof.

HUSBAND. 4. That all preforeclosure requireMORTGAGEE: Mortgage Electronic ments have been met.

Registration Systems, Inc..

5. The owner has not been released DATE AND PLACE OF RECORDING: from her financial obligation to pay Recorded August 15, 2008, Dakota said amount.

County Recorder, Document No. 6. The Declaration, referenced above, 2608561. and Minn. Stat. §§515B.3-115 and A S S I G N M E N T S O F M O R T G A G E : 515B.3-116 provide for a continuing Assigned to: CitiMortgage, Inc. , lien against the property. A Notice of Dated: September 19, 2009.

Lien evidencing the amount due was TRANSACTION AGENT: Mortgage recorded on January 23, 2009, as Electronic Registration Systems, Inc. Document No. 2632218 in the Dakota T R A N S A C T I O N A G E N T ' S M O R T - County Recorder's Office.

GAGE IDENTIFICATION NUMBER ON 7. Pursuant to the power of sale conMORTGAGE: 100445508070100204 tained in the same Declaration and LENDER OR BROKER AND MORT- granted by the owner in taking title to G A G E O R I G I N A T O R S T A T E D O N the premises subject to said DeclaraMORTGAGE: OCM INC., DBA HELP U t i o n a n d p u r s u a n t t o M i n n . S t a t .

FINANCE §§515B.3-115 and 515B.3-116, said R E S I D E N T I A L M O R T G A G E S E R - Lien will be foreclosed by the sale of VICER: CitiMortgage, Inc. said property by the Sheriff of Dakota MORTGAGED PROPERTY ADDRESS: County, at the Dakota County Sheriffs 1371 Westview Drive, Hastings, MN Office, Dakota County Law Enforce55033 ment Center, 1580 Highway 55 Lobby TAX PARCEL I.D.#: 19-19501-060-05 S-100, Hastings, MN 55033, on the LEGAL DESCRIPTION OF PROPERTY: 10th day of December, 2009, at Lot 6, Block 5, Dakota Hills Second Addition, Dakota County, Minnesota ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� �� ���� ������ ������ ������� MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORT���������� ���� ��������� 10th day of December, 2009, 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 owner, her personal representatives or assigns is six (6) months from the date of sale. The date and time to vacate the property is 11:59 p.m. on June 10, 2010, if the account is not reinstated or the owner does not redeem from the foreclosure sale.

REDEMPTION NOTICE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. 9. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. JEFFERSON COMMONS ASSOCIATION Attorneys for Jefferson Commons Association: THOMSEN NYBECK By: Gretchen S. Schellhas (#195595) 3600 American Blvd. West, Suite 400 Bloomington, Minnesota 55431 (952) 835-7000 ( J e f f e r s o n C o m m o n s Rasmussen/08-7-891D) 1956584 10/29-12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 2 4 , 2005 MORTGAGOR: J a s o n R . L a r s o n , a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded November 14, 2005, Dakota County Recorder, Document No. 2380661.

ASSIGNMENTS OF MORTGAGE: Assigned to: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC., ASSET-BACKED CERTIFICATES, SERIES 2005- AB4, Dated: August 5, 2009, Recorded: August 31, 2009, Document No. 2681431.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100015700059309084 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: America's Wholesale Lender RESIDENTIAL MORTGAGE SERVICER: BAC Home Loans Servicing L.P. MORTGAGED PROPERTY ADDRESS: 4110 Rahn Road #214, Eagan, MN 55122 TAX PARCEL I.D. #: 102247021402 LEGAL DESCRIPTION OF PROPERTY: Unit No. A214, CIC No. 468, Eagan Gardens, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $112,062.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $121,164.86 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no 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 5, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 6, 2010.

MORTGAGOR(S) RELEASED FROM

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: October 21, 2009.

The Bank of New York Mellon, 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 18-593 119995433 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1957735 10/29-12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: March 23, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $155,800.00 MORTGAGOR(S): Mark Hansen, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: April 12, 2006 Dakota County Recorder, Document Number: 2420017 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100025440003079586 Lender or Broker: Lehman Brothers Bank, FSB Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 500 Greenhaven Dr Apt 112, Burnsville, MN 55306-6230 Tax Parcel ID Number: 02-16999-112-05 LEGAL DESCRIPTION OF PROPERTY: Unit No. 112, Common Interest Community No. 517, Chateau Ridge Condominiums, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $159,283.82 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 21, 2010, or the next business day if July 21, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 03, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010299F01 1996562 12/3/09-1/7/10

PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE NOTICE PUBLIC NOTICE OF MORTGAGE NOTICE OF MORTGAGE NOTICE OF MORTGAGE 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 17, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $131,000.00 MORTGAGOR(S): Ratanarutai Khamthanee and Thanom Khamthanee, wife and husband aka Rathanaruthai Khamthanie and Thanom Khamthanie, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: April 08, 2003 Dakota County Recorder, Document Number: 2026958 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association, as Trustee for the holders of the Home Equity Pass-through Certificates, Series 2003-2, Dated: October 21, 2008 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100014410001056277 Lender or Broker: Meritage Mortgage Corporation Residential Mortgage Servicer: Select Portfolio Servicing Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1100 Crystal Lake Rd W, Burnsville, MN 55306-4917 Tax Parcel ID Number: 02-15580-022-01 LEGAL DESCRIPTION OF PROPERTY: Parts of Lots 1 & 2, Block 1, Burnsville Hills according to the plat thereof on file in the Office of the County Recorder, Dakota County, Minnesota. Commencing at the Northeast corner of the Southwest Quarter of the Southwest Quarter of Section 25, Township 115, Range 21, also being the Northeast corner of said Block 1; thence North 89 degrees 40 minutes 17 seconds West on an assumed bearing along North line of Block 1, a distance of 150.00 feet to the point of beginning; thence South 15 degrees 47 minutes 24 seconds West a distance of 160.14 feet to the Southerly line of Block 1; thence North 74 degrees 44 minutes 12 seconds West a distance of 147.50 feet; thence North 15 degrees 15 minutes 48 seconds East a distance of 120.40 feet to the North line of Block 1, thence Easterly along North line of Block 1, to the point of beginning.

Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $123,238.95 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 11, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn.

Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 11, 2010, or the next business day if July 11, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 26, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association, as Trustee for the holders of the Home Equity Pass-through Certificates, Series 2003-2 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010121F01 1986869 11/26-12/31/09

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 25, 2005 MORTGAGORS: Loren Q. Pelch and Deborah L. Pelch, husband and wife.

MORTGAGEE: Household Industrial Finance Company.

DATE AND PLACE OF RECORDING: Recorded June 6, 2005, Dakota County Recorder, Document No. 2328132.

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: Household Industrial Finance Company RESIDENTIAL MORTGAGE SERVICER: HSBC Bank USA, N.A. MORTGAGED PROPERTY ADDRESS: 15113 Chestnut Circle, Burnsville, MN 55306 TAX PARCEL I.D.#: 02-18601-140-02 LEGAL DESCRIPTION OF PROPERTY: Lot Fourteen (14), Block Two (2), Crystal Lake Terrace Second Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $301,884.60 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $316,137.19 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 24, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 24, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 22, 2009.

Household Industrial Finance Company Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 43-312 54510200968795 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 5, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: November 25, 2009.

Household Industrial Finance Company Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 43-312 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1993331 12/3/09

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 30, 2007 MORTGAGORS: Shaji Varghese and Biji Varghese, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded August 16, 2007, Dakota County Recorder, Document No. 2537790.

ASSIGNMENTS OF MORTGAGE: Assigned to: BAC Home Loans Servicing L.P. f/k/a Countrywide Home Loans Servicing L.P., Dated: September 3, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100133700021494276 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Countrywide Bank, FSB RESIDENTIAL MORTGAGE SERVICER: BAC Home Loans Servicing L.P. MORTGAGED PROPERTY ADDRESS: 4730 Hittner Point, Eagan, MN 55122 TAX PARCEL I.D. #: 103325003001 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 1, Hittner Addition, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $675,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $685,455.84 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 24, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 24, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: September 24, 2009.

BAC Home Loans Servicing L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-619 171708957 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until January 19, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: November 25, 2009.

BAC Home Loans Servicing L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-619 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1993963 12/3/09

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 18, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $204,000.00 MORTGAGOR(S): Leslie M. McCarthy and Michael A. McCarthy, wife and husband MORTGAGEE: Bankers Mortgage Company, LLC DATE AND PLACE OF RECORDING: Recorded: July 26, 2004 Dakota County Recorder, Document Number: 2230074 ASSIGNMENTS OF MORTGAGE: And assigned to: TCF Mortgage Corporation, Dated: June 18, 2004, Recorded: July 26, 2004 Dakota County Recorder, Document Number: 2230075 And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: May 01, 2006, Recorded: May 05, 2006 Dakota County Recorder, Document Number: 2425962 And assigned to: U.S. Bank National Association, Dated: September 30, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001965951 Lender or Broker: Bankers Mortgage Company, LLC Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 3521 Upper 143rd St W, Rosemount, MN 55068-4038 Tax Parcel ID Number: 34-16400-210-02 LEGAL DESCRIPTION OF PROPERTY: Lot 21, Block 2, Carrollton, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $215,166.27 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 03, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on June 03, 2010, or the next business day if June 03, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 08, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006261F03 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 03, 2009 at 10:00 AM has been postponed to February 11, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 03, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006261F03 1996299 12/3/09

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PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 9, 2004 MORTGAGORS: K e n n e t h G . B l u m and Margaret C. Blum MORTGAGEE: F i r s t R e s i d e n t i a l Mortgage Network, Inc. dba First Residential Network, Inc..

DATE AND PLACE OF RECORDING: Recorded April 27, 2004, Dakota County Recorder, Document No. 2198479.

ASSIGNMENTS OF MORTGAGE: Assigned to: Countrywide Document Custody Services, a Division of Treasury Bank, NA, Dated: April 13, 2004, Recorded: November 22, 2004, Document No. 2269584. And thereafter assigned to: Countrywide Home Loans, Inc., Dated: April 20, 2004, Recorded: June 22, 2006, Document No. 2439678. And thereafter assigned to: U.S. BANK NATIONAL ASSOCIATION AS TRUSTEE FOR THE HOLDERS OF BEAR STEARNS ARM TRUST, MORTGAGE PASS-THROUGH CERTIFICATES,SERIES 2004-3, Dated: October 19, 2009.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Residential Mortgage Network, Inc. dba First Residential Network, Inc. RESIDENTIAL MORTGAGE SERVICER: BAC Home Loans Servicing L.P. MORTGAGED PROPERTY ADDRESS: 13952 Ember Way, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01.76204.110.01 LEGAL DESCRIPTION OF PROPERTY: Lot 11, Block 1, The Woodwinds 5th Addition.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $386,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $362,549.08 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 4, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 4, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 24, 2009.

U.S. Bank National Association, Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-776 57375743 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1997655 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 1 5 , 2006 MORTGAGOR: M o n i c a W a g n e r , a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded September 8, 2006, Dakota County Recorder, Document No. 2459417.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: November 19, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100020000351031269 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Burnet Home Loans RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 1659 River Bluff Court, Eagan, MN 55121 TAX PARCEL I.D.#: 10-41300-086-05 LEGAL DESCRIPTION OF PROPERTY: Unit 86, CIC Number 358, Cedar Bluff Townhome Condominium.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $126,400.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $129,953.64 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 4, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 4, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 23, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6909 1909664563 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1997664 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 29, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $184,500.00 MORTGAGOR(S): Michele L Estes and James H. Estes, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: August 23, 2005 Dakota County Recorder, Document Number: 2353634 ASSIGNMENTS OF MORTGAGE: And assigned to: The Bank of New York Mellon FKA The Bank of New York, as Trustee for the Certificate Holders CWABS, INC., Asset-backed Certificates, Series 2005-11, Dated: Septem-

cates, Series 2005 11, Dated: Septem ber 17, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700055993931 Lender or Broker: America's Wholesale Lender Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 982 Winslow Ave, Saint Paul, MN 55118-1342 Tax Parcel ID Number: 42-38000-101-49 LEGAL DESCRIPTION OF PROPERTY: Lot 10, Block 49, "Jackson and Bidwell's Addition to West Saint Paul", according to the recorded plat thereof AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $210,419.38 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 14, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on June 14, 2010, or the next business day if June 14, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 29, 2009 ASSIGNEE OF MORTGAGEE: The Bank of New York Mellon FKA The Bank of New York, as Trustee for the Certificate Holders CWABS, INC., Asset-backed Certificates, Series 2005-11 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008339F01 1957755 10/29-12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

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

AMOUNT DUE AND CLAIMED TO BE

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $225,869.74 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 17, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on June 17, 2010, or the next business day if June 17, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 29, 2009 ASSIGNEE OF MORTGAGEE: LaSalle Bank National Association, as trustee, on behalf of SAIL 2005-1 Trust Fund Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007588F01 1957944 10/29-12/3/09

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, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $200,000.00 MORTGAGOR(S): Josette M Tuione, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for Delta Funding Corporation TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. MIN#: 100076600001230428 SERVICER: Ocwen Loan Servicing LLC LENDER: Delta Funding Corporation.

DATE AND PLACE OF FILING: Dakota County Minnesota, Recorder , on August 30, 2007, as Document No. 2541005 ASSIGNED TO: HSBC Bank USA N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust 2007-D1 Asset Backed Pass-Through Certificates Dated: December 26, 2007 , and recorded September 29, 2009 by Document No. 2687048 .

LEGAL DESCRIPTION OF PROPERTY: Lot 2,Block 2,Schindeldecker Third Addition, According To The Recorded Plat Thereof,and Situate in Dakota County, Minnesota PROPERTY ADDRESS: 1716 63rd Street East, Inver Grove Heights, MN 55077 PROPERTY I.D: 20-67602-020-02 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: Two Hundred Five Thousand Three Hundred Sixty-Six and 03/100 ($205,366.03) 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 December 15, 2009 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

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������ ������ ������� �������� ��DWELLING ���� by said then secured to pay the debt WITH A RESIDENTIAL OF mortgage and taxes, if any actually LESS THAN FIVE UNITS, ARE NOT paid by the mortgagee, on the pre- PROPERTY USED IN AGRICULTURAL mises and the costs and disburse- P R O D U C T I O N , A N D A R E m e n t s a l l o w e d b y l a w . T h e t i m e ABANDONED." Dated: October 14, 2009. allowed by law for redemption by said mortgagor(s), their personal represenCitiMortgage, Inc. Mortgagee/Assignee of Mortgagee tatives or assigns is 6 months from the USSET, WEINGARDEN AND LIEBO, P.L.L.P. date of sale.

"THE TIME ALLOWED BY LAW FOR By: Paul A. Weingarden REDEMPTION BY THE MORTGAGOR, Attorneys for Mortgagee/Assignee of THE MORTGAGOR`S PERSONAL REP- Mortgagee RESENTATIVES OR ASSIGNS, MAY BE 4500 Park Glen Road #300 REDUCED TO FIVE WEEKS IF A JUDI- Minneapolis, MN 55416 CIAL ORDER IS ENTERED UNDER (952) 925-6888 MINNESOTA STATUTES, SECTION 10-2395 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G 2005095222 OTHER THINGS, THAT THE MORT- THIS IS A COMMUNICATION FROM GAGED PREMISES ARE IMPROVED A DEBT COLLECTOR. 10/29-12/3/09 WITH A RESIDENTIAL DWELLING OF 1958497 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 NOTICE OF MORTGAGE ABANDONED." FORECLOSURE SALE Dated: October 29, 2009 THE RIGHT TO VERIFICATION OF HSBC Bank USA N.A., as Trustee on behalf of ACE Secu- THE DEBT AND IDENTITY OF THE rities Corp. Home Equity Loan ORIGINAL CREDITOR WITHIN THE Trust and for the registered T I M E P R O V I D E D B Y L A W I S N O T holders of ACE Securities Corp. AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that Home Equity Loan Trust 2 0 0 7 - D 1 A s s e t B a c k e d default has occurred in conditions of the following described mortgage: Pass-Through Certificates DATE OF MORTGAGE: S e p t e m b e r Randall S. Miller & Associates 25, 2004 P.C. Attorneys for Assignee of MortMORTGAGOR: Barry John Morgan, gage/Mortgagee an unmarried man.

One Financial Plaza MORTGAGEE: Alpine Lending, LLC. 120 South Sixth Street , Suite 1100 DATE AND PLACE OF RECORDING: Minneapolis, MN 55402 Recorded November 1, 2004, Dakota Phone: 612-573-3677 C o unty Recorder, Document No. Our File No. 09MN00074-1 2263194.

THIS IS A COMMUNICATION FROM ASSIGNMENTS OF MORTGAGE: A DEBT COLLECTOR. Assigned to: First Tennessee Bank ASAP# 3314075 National Association, Dated: Novem1958225 10/29-12/03/2009 ber 16, 2004, Recorded: January 12, 2005, Document No. 2284818. And thereafter assigned to: CitiMortgage, Inc., Dated: July 29, 2009.

NOTICE OF MORTGAGE TRANSACTION AGENT: NONE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF TRANSACTION AGENT'S MORTTHE DEBT AND IDENTITY OF THE GAGE IDENTIFICATION NUMBER ON ORIGINAL CREDITOR WITHIN THE MORTGAGE: NONE LENDER OR BROKER AND MORTTIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. GAGE ORIGINATOR STATED ON NOTICE IS HEREBY GIVEN, that MORTGAGE: Alpine Lending, LLC default has occurred in conditions of RESIDENTIAL MORTGAGE SERthe following described mortgage: VICER: CitiMortgage, Inc. DATE OF MORTGAGE: February 15, MORTGAGED PROPERTY ADDRESS: 2008 465 Tiffany Drive, Hasting, MN 55033 TAX PARCEL I.D.#: 19-16400-100-01 MORTGAGORS: M a n u e l V . S e v i l l a LEGAL DESCRIPTION OF PROPand Norma G. Zamora Morales, husband and wife.

ERTY: MORTGAGEE: Mortgage Electronic Lot 10, Block 1, Cari Park, Dakota Registration Systems, Inc..

County, State of Minnesota DATE AND PLACE OF RECORDING: COUNTY IN WHICH PROPERTY IS Recorded March 26, 2008, Dakota LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF County Recorder, Document No. MORTGAGE: $140,000.00 2580461.

AMOUNT DUE AND CLAIMED TO BE ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc. , DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTDated: September 15, 2009.

TRANSACTION AGENT: Mortgage GAGEE: $145,870.33 Electronic Registration Systems, Inc. That prior to the commencement of T R A N S A C T I O N A G E N T ' S M O R T - this mortgage foreclosure proceeding GAGE IDENTIFICATION NUMBER ON Mortgagee/Assignee of Mortgagee comMORTGAGE: 100011520050952227 plied with all notice requirements as LENDER OR BROKER AND MORT- required by statute; That no action or G A G E O R I G I N A T O R S T A T E D O N proceeding has been instituted at law MORTGAGE: CitiMortgage, Inc. or otherwise to recover the debt R E S I D E N T I A L M O R T G A G E S E R - secured by said mortgage, or any part VICER: CitiMortgage, Inc. thereof; MORTGAGED PROPERTY ADDRESS: PURSUANT to the power of sale con1434 Bellows Street,West Saint Paul, tained in said mortgage, the above MN 55118 described property will be sold by the TAX PARCEL I.D.#: 42-48300-100-00 Sheriff of said county as follows: DATE AND TIME OF SALE: January LEGAL DESCRIPTION OF PROPERTY: L o t 1 0 , R o n M e y e r s A d d i t i o n . 28, 2010 at 10:00 AM Dakota County PLACE OF SALE: S h e r i f f ' s O f f i c e , COUNTY IN WHICH PROPERTY IS Law Enforcement Center, 1580 Hwy LOCATED: Dakota 55, Lobby #S-100, Hastings, MN ORIGINAL PRINCIPAL AMOUNT OF to pay the debt then secured by said MORTGAGE: $191,000.00 Mortgage, and taxes, if any, on said AMOUNT DUE AND CLAIMED TO BE premises, and the costs and disburseDUE AS OF DATE OF NOTICE, INCLUD- 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 ING TAXES, IF ANY, PAID BY MORT- allowed by law subject to redemption GAGEE: $193,769.65 within six (6) months from the date of That prior to the commencement of said sale by the mortgagor(s), their this mortgage foreclosure proceeding personal representatives or assigns Mortgagee/Assignee of Mortgagee com- unless reduced to Five (5) weeks under plied with all notice requirements as MN Stat. §580.07.

TIME AND DATE TO VACATE PROPrequired by statute; That no action or proceeding has been instituted at law E R T Y : I f t h e r e a l e s t a t e i s a n 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 owner-occupied, single-family dwellsecured by said mortgage, or any part ing, unless otherwise provided by law, the date on or before which the mortthereof; PURSUANT to the power of sale con- gagor(s) must vacate the property if the tained in said mortgage, the above mortgage is not reinstated under secdescribed property will be sold by the tion 580.30 or the property is not redeemed under section 580.23 is Sheriff of said county as follows: DATE AND TIME OF SALE: Decem- 11:59 p.m. on July 28, 2010. ber 17, 2009 at 10:00 AM MORTGAGOR(S) RELEASED FROM PLACE OF SALE: S h e r i f f ' s O f f i c e , FINANCIAL OBLIGATION ON MORTLaw Enforcement Center, 1580 Hwy GAGE: None 55, Lobby #S-100, Hastings, MN "THE TIME ALLOWED BY LAW FOR to pay the debt then secured by said REDEMPTION BY THE MORTGAGOR, Mortgage, and taxes, if any, on said THE MORTGAGOR'S PERSONAL REPpremises, and the costs and disburse- RESENTATIVES OR ASSIGNS, MAY BE m e n t s , i n c l u d i n g a t t o r n e y s ' f e e s REDUCED TO FIVE WEEKS IF A JUDIallowed by law subject to redemption CIAL ORDER IS ENTERED UNDER within six (6) months from the date of MINNESOTA STATUTES, SECTION said sale by the mortgagor(s), their 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G personal representatives or assigns OTHER THINGS, THAT THE MORTunless reduced to Five (5) weeks under GAGED PREMISES ARE IMPROVED MN Stat. §580.07.

WITH A RESIDENTIAL DWELLING OF TIME AND DATE TO VACATE PROP- LESS THAN FIVE UNITS, ARE NOT E R T Y : I f t h e r e a l e s t a t e i s a n PROPERTY USED IN AGRICULTURAL owner-occupied, single-family dwell- P R O D U C T I O N , A N D A R E ing, unless otherwise provided by law, ABANDONED." the date on or before which the mortDated: November 23, 2009. gagor(s) must vacate the property if the CitiMortgage, Inc. mortgage is not reinstated under secMortgagee/Assignee of Mortgagee tion 580.30 or the property is not USSET, WEINGARDEN AND LIEBO, redeemed under section 580.23 is P.L.L.P. 11:59 p.m. on June 17, 2010.

By: Paul A. Weingarden MORTGAGOR(S) RELEASED FROM Attorneys for Mortgagee/Assignee of FINANCIAL OBLIGATION ON MORT- Mortgagee 4500 Park Glen Road #300 GAGE: None "THE TIME ALLOWED BY LAW FOR Minneapolis, MN 55416 REDEMPTION BY THE MORTGAGOR, (952) 925-6888 THE MORTGAGOR'S PERSONAL REP- 10-973 RESENTATIVES OR ASSIGNS, MAY BE 401266103 REDUCED TO FIVE WEEKS IF A JUDI- THIS IS A COMMUNICATION FROM CIAL ORDER IS ENTERED UNDER A DEBT COLLECTOR. 12/3/09-1/7/10 MINNESOTA STATUTES, SECTION 1997017 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� �� ���� ������Assigned ������ Provident Funding Asso to: ������� ciates, L.P., Dated: October 19, 2009 ���������� ���� ���������

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, 2005 MORTGAGOR: Russell L. Johnson, a single person.

MORTGAGEE: ABN AMRO Mortgage Group, Inc n/k/a CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Recorded January 5, 2006, Dakota County Recorder, Document No. 2394763.

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: 14083 Autumnwood Way, Rosemount, MN 55068 TAX PARCEL I.D.#: 34-14750-280-01 LEGAL DESCRIPTION OF PROPERTY: Lot 28, Block 1, Bloomfield Vineyards, CIC 418 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $226,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $222,130.40 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 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 23, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2647 651659983 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1997333 12/3-1/7/09

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 16, 2007 MORTGAGORS: Eric M. Knutson and Tracy L. Knutson, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded June 12, 2007, Dakota County Recorder, Document No. 2523509.

ASSIGNMENTS OF MORTGAGE: Assigned to: Provident Funding Asso-

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100017995170503403 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Provident Funding Associates, L.P. RESIDENTIAL MORTGAGE SERVICER: Provident Funding Associates, L.P. MORTGAGED PROPERTY ADDRESS: 17745 Idalia Path, Lakeville, MN 55044 TAX PARCEL I.D.#: 22-19600-010-01 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 1, Daniels Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $276,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $277,102.72 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 22, 2009.

Provident Funding Associates, L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-1460 9517050340 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1958858 10/29-12/3/09

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: December 14, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $226,000.00 MORTGAGOR(S): Tara Traux-Newhouse and Robert Newhouse, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as a nominee for Paragon Home Lending, LLC TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc MIN#: 100200700000632522 SERVICER: Ocwen Loan Servicing LLC LENDER: Paragon Home Lending, LLC. DATE AND PLACE OF FILING: Dakota County Minnesota, Recorder , on January 4, 2007, as Document No. 2485902 ASSIGNED TO: HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP1, Asset Backed Pass-Through Certificates Dated: March 21, 2007 , and recorded September 21, 2009 by Document No. 2685475 .

LEGAL DESCRIPTION OF PROPERTY: Lot 32, Block 1, West Ridge First Addition, Dakota County, Minnesota.

PROPERTY ADDRESS: 4314 159th Court West, Rosemount, MN 55068 PROPERTY I.D: 34-83700-320-01

PROPERTY I.D: 34-83700-320-01 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: Two Hundred Forty Thousand Four Hundred Forty-Eight and 82/100 ($240,448.82) 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 December 15, 2009 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 months from the date of sale.

"THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR`S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 29, 2009 HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp.

Home Equity Loan Trust, Series 2007-ASAP1, Asset Backed Pass-Through Certificates Randall S. Miller & Associates, P.C. Attorneys for Assignee of Mortgage/Mortgagee One Financial Plaza 120 South Sixth Street, Suite 1100 Minneapolis, MN 55402 Phone: 612-573-3677 Our File No. 09MN00066-1 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. ASAP# 3317285 1958262 10/29-12/03/2009

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: March 16, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $223,200.00 MORTGAGOR(S): Romulo Edward B. Sarceda and Marissa G. Sarceda, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: March 22, 2007 Dakota County Registrar of Titles, Document Number: 607766 AND CORRECTIVE MORTGAGE REGISTERING: November 08, 2007 Dakota County Registrar of Titles, Document Number: 619889 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100059600097118629 Lender or Broker: Universal American Mortgage Company LLC Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 142183 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4002 Cedar Grove Ln, Eagan, MN 55122-1626 Tax Parcel ID Number: 105090102001 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 1, CIC No. 530, Nicols Ridge 2nd Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $231,100.96 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; 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: December 17, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on June 17, 2010, or the next business

June 17, 2010, or the next business day if June 17, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 29, 2009 M O R T G A G E E : M o r t g ag e E l e c tronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009465F01 1957537 10/29-12/3/09

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 , 2004 MORTGAGORS: Annamai E. Cooper and Barry R. Cooper, wife and husband.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded October 1, 2004, Dakota County Recorder, Document No. 2254107.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: October 15, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100315900000008143 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: River City Mortgage Corp.

RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 14355 Banyan Lane, Rosemount, MN 55068 TAX PARCEL I.D.#: 34-14700-370-05 LEGAL DESCRIPTION OF PROPERTY: Lot 37, Block 5, Bloomfield, Common Interest Community Number 250, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $198,386.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $191,241.27 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: December 22, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 22, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E

P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 20, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-452 7810413703 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1958557 10/29-12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 1 9 , 2003 MORTGAGORS: Jeffrey H. Carlston and Riki M. Carlston, husband and wife.

MORTGAGEE: C e n d a n t M o r t g a g e Corporation dba Burnet Home Loans.

DATE AND PLACE OF RECORDING: Recorded October 16, 2003, Dakota County Recorder, Document No. 2125371.

ASSIGNMENTS OF MORTGAGE: Assigned to: Mortgage Electronic Registration Systems, Inc, Dated: July 8, 2008, Recorded: July 15, 2008, Document No. 2602655. And thereafter assigned to: CitiMortgage, Inc, Dated: November 3, 2009.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Cendant Mortgage Corporation dba Burnet Home Loans RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 7125 Upper 157th Street West, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-11651-100-05 LEGAL DESCRIPTION OF PROPERTY: Lot 10, Block 5, Apple Ponds 2nd Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $186,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $171,698.70 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 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 23, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2721 1120068510 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1997358 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: February 27, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $200,000.00 MORTGAGOR(S): Kay McFarland, a single woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: April 06, 2004 Dakota County Registrar of Titles, Document Number: 533924 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100061900000148044 Lender or Broker: Summit Mortgage Corporation Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 131346 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1710 Monticello Ave, Eagan, MN 55122-1707 Tax Parcel ID Number: 10-16707-110-08 LEGAL DESCRIPTION OF PROPERTY: Lot Eleven (11), Block Eight (8), in Cedar Grove No. 8, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $203,876.96 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; 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: January 21, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 21, 2010, or the next business day if July 21, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 03, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010285F01 1996511 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF ASSESSMENT LIEN

FORECLOSURE SALE Date: October 12, 2009 YOU ARE NOTIFIED THAT: 1. Default has occurred in the terms and conditions of the Declaration of Highland Village Association, Inc. (hereinafter the "Association") which w a s dated September 9, 1991 and recorded as Document No. 1011292, in the Office of the Dakota County Recorder, covering the following property: LEGAL DESCRIPTION: Lot 41, Block 1, Pilot Knob Estates Ninth Addition, Dakota County, Minnesota STREET ADDRESS: 14362 Estates Avenue, Apple Valley, MN 55124 TAX PARCEL ID NUMBER: 01-57508-410-01 2. Pursuant to said Declaration, there is claimed to be due and owing as of October 12, 2009, from Sohandralal Nandlall and Tharundra Nandlall, title holders, to the Association, a Minnesota non-profit corporation, the amount of $6,918.60 for unpaid association dues, late fees, attorneys fees

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ciation dues, late fees, attorneys fees and costs, plus any other such amounts that will accrue after October 12, 2009, and other costs of collection and foreclosure which will be added to the amount claimed due and owing at the time of the sale herein.

3. No action is now pending at law or otherwise to recover said debt or any part thereof.

4. That all preforeclosure requirements have been met.

5. The owners have not been released from their financial obligation to pay said amount.

6. The Declaration, referenced above, provides for a continuing lien against the property. A Notice of Lien evidencing the amount due was recorded on January 29, 2008, as Document No. 2568691 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, 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 17th day of December, 2009, 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. The time allowed by law for 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 June 17, 2010, 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. HIGHLAND VILLAGE ASSOCIATION, INC. Attorneys for Highland Village Association, Inc.: THOMSEN NYBECK By: Gretchen S. Schellhas (#195595) 3600 American Blvd. West, Suite 400 Bloomington, Minnesota 55431 (952) 835-7000 (Highland Village/Nandlall 07-7-572D) 1956741 10/29-12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 2 0 , 2005 MORTGAGOR: Michel Paul Wolf, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded July 14, 2005, Dakota County Recorder, Document No. 2340033.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: September 19, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100015901074387796 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: CTX Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 4874 Bisset Lane, Inver Grove Heights, MN 55076 TAX PARCEL I.D.#: 20-44026-403-09 LEGAL DESCRIPTION OF PROPERTY: Unit No. 9403, Lafayette Park East, Common Interest Community No. 434, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $161,396.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $165,708.79 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:

Sheriff of said county as follows: DATE AND TIME OF SALE: December 10, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 10, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 14, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2421 12268247 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1958440 10/29-12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 4, 2008 MORTGAGOR: Michelle L. Molitor, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded April 22, 2008, Dakota County Recorder, Document No. 2586066.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: October 15, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100199600000165882 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Advisor's Mortgage, LLC RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 1628 River Bluff Court, Eagan, MN 55121 TAX PARCEL I.D.#: 10-41300-098-05 LEGAL DESCRIPTION OF PROPERTY: Unit 98, Common Interest Community No. 358 Cedar Bluff Townhouse Condominium, according to the recorded plat thereof, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $113,124.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $115,563.94 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 23, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not

tion 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 23, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 20, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-451 6800144918 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1958570 10/29-12/3/09

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 29, 2003 MORTGAGOR: J o h n E . R o s s e , a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded September 11, 2003, Dakota County Recorder, Document No. 2107769.

ASSIGNMENTS OF MORTGAGE: Assigned to: JPMorgan Chase Bank, National Association, Dated: October 6, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100160500150266800 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Mortgage Express, Inc. RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, N.A. as successor in interest to Washington Mutual Bank MORTGAGED PROPERTY ADDRESS: 14668 Embry Path, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-20505-047-01 LEGAL DESCRIPTION OF PROPERTY: Lot 47, Block 1, Diamond Path 6th Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $150,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $144,088.00 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 17, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 17, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 19, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P.

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 60-2530 0607711231 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1958685 10/29-12/3/09

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 02, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $746,050.00 MORTGAGOR(S): Eric M Tschida and Nancy E. Tschida, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: November 22, 2006 Dakota County Recorder, Document Number: 2477313 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, L.P., Dated: October 05, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1000138-0090872920-1 Lender or Broker: GreenPoint Mortgage Funding, Inc. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1442 Wellington Way, Eagan, MN 55122-2961 Tax Parcel ID Number: 10-72540-040-01 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 1, Steeplechase of Eagan, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $815,755.34 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 03, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on June 03, 2010, or the next business day if June 03, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 15, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009324F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 03, 2009 at 10:00 AM has been postponed to January 14, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 03, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009324F01 1997479 12/3/09

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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: February 27, 2004 MORTGAGOR: Birgit J. Lillehei, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded March 25, 2004, Dakota County Recorder, Document No. 2189063.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc, Dated: September 3, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100103210000050475 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Prime Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 12789 Edgewater Path, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-34151-137-04 LEGAL DESCRIPTION OF PROPERTY: Unit No. 137, Condominium No. 98, Hunters Run Villas COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $143,172.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $131,115.29 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 26, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 26, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 23, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2713 8381501 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1997409 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 5 , 2007 MORTGAGORS: A u d r e y S m i t h a n d Stanley Smith, WIFE AND HUSBAND. MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Registered October 18, 2007, Dakota County Registrar of Titles, Document No. 618937, Certificate of Title No. 127213.

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ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: October 21, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100011520047168358 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: CitiMortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 16110 Inglewood Drive, Lakeville, MN 55044 TAX PARCEL I.D.#: 22-14500-050-05 LEGAL DESCRIPTION OF PROPERTY: Lot 5, Block 5, Bluebill Bay Estates.

Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $195,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $188,511.57 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 13, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 13, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 27, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2613 2004716835 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966810 11/5-12/10/09

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 26, 2001 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $132,000.00 MORTGAGOR(S): Richard A. Gorans and Karen R. Gorans, husband and wife MORTGAGEE: Anchor Bank, West St. Paul, N.A. DATE AND PLACE OF REGISTERING: Registered: December 03, 2001 Dakota County Registrar of Titles, Document Number: 453685 ASSIGNMENTS OF MORTGAGE:And assigned to: TCF Mortgage Corporation, Dated: September 26, 2001, Registered: December 03, 2001 Dakota County Registrar of Titles, Document Number: 453686 And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: May 01, 2006, Registered: May 09, 2006 Dakota County Registrar of Titles, Document Number: 589832 And assigned to: U.S. Bank National Association, Dated: October 03, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001721412 Lender or Broker: Anchor Bank, West St. Paul, N.A. Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER:

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��� �������� �� ���� ������property; ������ ������� PURSUANT to the power of sale con���������� ���� ��������� CERTIFICATE OF TITLE NUMBER: 97350 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 721 22nd Ave N, South Saint Paul, MN 55075-1318 Tax Parcel ID Number: 36-76800-250-01 LEGAL DESCRIPTION OF PROPERTY: Lot 25, Block 1, Tower Heights, according to the recorded plat thereof and situate in Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $123,214.63 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: December 17, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on June 17, 2010, or the next business day if June 17, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009152F01 1966003 11/5-12/10/09

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 01, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $115,200.00 MORTGAGOR(S): Leona Gines, a single woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: December 01, 2004 Dakota County Registrar of Titles, Document Number: 553336 ASSIGNMENTS OF MORTGAGE: And assigned to: The Bank of New York Mellon fka the Bank of New York as Trustee for the Certificateholders CWABS, Inc. Asset-backed Certificates, Series 2004-13, Dated: October 21, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700043043211 Lender or Broker: America's Wholesale Lender Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 134357 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1004 E Travelers Trl, Burnsville, MN 55337-2983 Tax Parcel ID Number: 02-16500-142-01 LEGAL DESCRIPTION OF PROPERTY: Residential Unit No. 42 and Garage Unit No. 42A, Condominium No. 56, Castle Crest Condominiums, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $134,591.68 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property;

tained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 05, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 05, 2010, or the next business day if July 05, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 ASSIGNEE OF MORTGAGEE: The Bank of New York Mellon fka the Bank of New York as Trustee for the Certificateholders CWABS, Inc. Asset-backed Certificates, Series 2004-13 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009839F01 1963863 11/5-12/10/09

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 25, 2007 MORTGAGORS: Kannan Solayappan and Vallikannu K. Solayappan, husband and wife.

MORTGAGEE: J P M o r g a n C h a s e Bank, N.A. DATE AND PLACE OF RECORDING: Recorded June 13, 2007, Dakota County Recorder, Document No. 2523767.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: October 20, 2009.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: JPMorgan Chase Bank, N.A. RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 1488 Deerwood Bend, Eagan, MN 55122 TAX PARCEL I.D.#: 10-84900-300-01 LEGAL DESCRIPTION OF PROPERTY: Lot 30, Block 1, Woodstone Townhomes, Common Interest Community No. 333, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $388,900.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $394,026.28 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: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their

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 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 28, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7198 1064171968 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966191 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 1 1 , 2006 MORTGAGORS: Ronald S. Baker and Carolyn T. Baker, husband and wife.

MORTGAGEE: ABN Amro Mortgage Group, Inc. n/k/a CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Recorded August 22, 2006, Dakota County Recorder, Document No. 2455448.

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: 505 Elm Street, Farmington, MN 55024 TAX PARCEL I.D.#: 14-23570-080-00 LEGAL DESCRIPTION OF PROPERTY: Lot Eight of Elmway Addition, in the Village (now City) of Farmington COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $142,200.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $146,762.30 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no 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 6, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 6, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF

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: October 26, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2509 653752060 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966159 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 2 2 , 2004 MORTGAGORS: Keith M. Rose and Mary K. Rose, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded December 1, 2004, Dakota County Recorder, Document No. 2272078.

ASSIGNMENTS OF MORTGAGE: Assigned to: JPMorgan Chase Bank, National Association, Dated: November 16, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100015901074369562 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: CTX Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 14446 Atwater Way, Rosemount, MN 55068 TAX PARCEL I.D.#: 34-14704-130-01 LEGAL DESCRIPTION OF PROPERTY: Lot 13, Block 1, Bloomfield 5th Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $333,700.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $318,772.78 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 2, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 2, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 19, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2612 0676708456 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991748 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 25, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $173,000.00 MORTGAGOR(S): Renee Aufmuth, a single woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: September 17, 2007 Dakota County Recorder, Document Number: 2544517 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, L.P., Dated: November 23, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100133700023434114 Lender or Broker: Countrywide Bank, FSB Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 15445 Frost Path, Apple Valley, MN 55124 Tax Parcel ID Number: 01-44800-505-06 LEGAL DESCRIPTION OF PROPERTY: Unit No. 1505, CIC No. 377, Legacy Square Condominiums, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $178,252.22 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 19, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 19, 2010, or the next business day if July 19, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE 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 03, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010406F01 1992930 12/3/09-1/07/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 2 3 , 2009 MORTGAGOR: Gillian M. Pearson, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered April 3, 2009, Dakota County Registrar of Titles, Document No. T641665, Certificate of Title No. 146489.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: October 19, 2009 Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100103210000482496

MORTGAGE: 100103210000482496 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: The Business Bank, dba Prime Mortgage RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 652 West 35th Street, Hastings, MN 55033 TAX PARCEL I.D.#: 19-71025-110-01 LEGAL DESCRIPTION OF PROPERTY: Lot Eleven (11), Block One (1), South Oaks of Hastings COUNTY IN WHICH PROPERTY IS LOCATED:Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE:$173,463.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $179,202.36 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 21, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7279 1771820101 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966363 11/5-12/10/09

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 8, 2007 MORTGAGORS: Hiep T. Nguyen and Oanh T. Nguyen, husband and wife.

MORTGAGEE: National City Mortgage a division of National City Bank.

DATE AND PLACE OF RECORDING: Recorded June 15, 2007, Dakota County Recorder, Document No. 2524511; as Corrected by Corrective Mortgage, Recorded: September 10, 2007, Document NO.2542947.

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: National City Real Estate Services LLC MORTGAGED PROPERTY ADDRESS: 14901 Crystal Lake Road West, Burnsville, MN 55306 TAX PARCEL I.D.#: 02-53715-270-01 LEGAL DESCRIPTION OF PROPERTY: Lot 27, Block 1, Oak Ridge, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $292,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $275,772.33

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GAGEE: $275,772.33 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 12, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 12, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 28, 2009.

National City 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 4-1850 0005578689 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966123 11/5-12/10/09

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 , 2007 MORTGAGORS: G i l b e r t o Y b a r r a A/K/A Gilbert Ybarra and Estela S. Ybarra, husband and wife.

MORTGAGEE: J P M o r g a n C h a s e Bank, N.A. DATE AND PLACE OF RECORDING: Recorded February 16, 2007, Dakota County Recorder, Document No. 2497323.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: October 20, 2009.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: JPMorgan Chase Bank, N.A. RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 13020 Welcome Lane, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-56600-110-01 LEGAL DESCRIPTION OF PROPERTY: Lot 11, Block 1, Parkwood South 1st Addition, according to the recorded plat thereof, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $232,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $234,608.04 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 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said

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 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 28, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7208 1064126624 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966346 11/5-12/10/09

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 7 , 2006 MORTGAGORS: Richard W. Lee and Virginia Lee, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded April 20, 2006, Dakota County Recorder, Document No. 2421750.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: October 19, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100285700000166024 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Winstar Mortgage Partners, Inc. dba Partner Loan Services RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 629 Evergreen Drive, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-84810-015-01 LEGAL DESCRIPTION OF PROPERTY: Lot 15, Block 1, Wood Park Plat Eleven COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $135,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $138,148.99 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 5, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 6, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REP-

THE MORTGAGOR S PERSONAL REP RESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 21, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7263 1915300459 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966377 11/5-12/10/09

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 4, 2004 MORTGAGOR: Dawn M. Huebner, a single person.

MORTGAGEE: ABN AMRO Mortgage Group, Inc n/k/a CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Recorded July 22, 2004, Dakota County Recorder, Document No. 2228885.

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: 23305 Lawrence Way, Hastings, MN 55033 TAX PARCEL I.D.#: 09-18600-080-01 LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 1, Crossroads Woods COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $250,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $237,666.71 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 28, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 17, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2633 645123950 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991544 11/26-12/31/09

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 25, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $180,000.00 MORTGAGOR(S): Fernando Ismael Garza Cienfuegos, a married person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 01, 2004 Dakota County Recorder, Document Number: 2254079 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100197500000227553 Lender or Broker: Brier Mortgage Corporation Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 2521 Hayes Ct, Burnsville, MN 55337-1061 Tax Parcel ID Number: 02-64101-330-05 LEGAL DESCRIPTION OF PROPERTY: Lot 33, Block 5, River Hills Second Addition, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $185,509.22 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 21, 2010, or the next business day if July 21, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 03, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009970F01 1994157 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 27, 2005 MORTGAGOR: T i m o t h y M . M o n t gomery, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded June 8, 2005, Dakota County Recorder, Document No. 2328486.

ASSIGNMENTS OF MORTGAGE: Assigned to: Aurora Loan Services, LLC, Dated: October 19, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100039223350003654 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Magnus Financial Corporation RESIDENTIAL MORTGAGE SERVICER: Aurora Loan Services LLC

���

������ �� ���� VICER: Aurora������ Loan Services LLC ������� required�������� by statute; That no action or MORTGAGED PROPERTY ADDRESS: proceeding has been instituted at law 3937 156th Street West, Rosemount, 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 MN 55068 secured by said mortgage, or any part TAX PARCEL I.D.#: 34-81310-320-02 thereof; LEGAL DESCRIPTION OF PROPPURSUANT to the power of sale conERTY: tained in said mortgage, the above Lot 32, Block 2, Valley Oak Addition described property will be sold by the Replat, Dakota County, Minnesota.

Sheriff of said county as follows: DATE AND TIME OF SALE: January COUNTY IN WHICH PROPERTY IS 7, 2010 at 10:00 AM LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF PLACE OF SALE: S h e r i f f ' s O f f i c e , MORTGAGE: $200,000.00 Law Enforcement Center, 1580 Hwy AMOUNT DUE AND CLAIMED TO BE 55, Lobby #S-100, Hastings, MN DUE AS OF DATE OF NOTICE, INCLUD- to pay the debt then secured by said ING TAXES, IF ANY, PAID BY MORT- Mortgage, and taxes, if any, on said premises, and the costs and disburseGAGEE: $206,985.12 That prior to the commencement of 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 this mortgage foreclosure proceeding allowed by law subject to redemption Mortgagee/Assignee of Mortgagee com- within six (6) months from the date of plied with all notice requirements as said sale by the mortgagor(s), their required by statute; That no action or personal representatives or assigns proceeding has been instituted at law unless reduced to Five (5) weeks under 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 MN Stat. §580.07. secured by said mortgage, or any part TIME AND DATE TO VACATE PROPthereof; ERTY: If the real estate is an PURSUANT to the power of sale con- owner-occupied, single-family dwelltained in said mortgage, the above ing, unless otherwise provided by law, described property will be sold by the the date on or before which the mortSheriff of said county as follows: gagor(s) must vacate the property if the DATE AND TIME OF SALE: January mortgage is not reinstated under sec7, 2010 at 10:00 AM tion 580.30 or the property is not PLACE OF SALE: S h e r i f f ' s O f f i c e , redeemed under section 580.23 is Law Enforcement Center, 1580 Hwy 11:59 p.m. on July 7, 2010.

55, Lobby #S-100, Hastings, MN MORTGAGOR(S) RELEASED FROM to pay the debt then secured by said FINANCIAL OBLIGATION ON MORTMortgage, and taxes, if any, on said GAGE: None "THE TIME ALLOWED BY LAW FOR premises, and the costs and disbursem 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 REDEMPTION BY THE MORTGAGOR, allowed by law subject to redemption THE MORTGAGOR'S PERSONAL REPwithin six (6) months from the date of RESENTATIVES OR ASSIGNS, MAY BE said sale by the mortgagor(s), their REDUCED TO FIVE WEEKS IF A JUDIpersonal representatives or assigns CIAL ORDER IS ENTERED UNDER unless reduced to Five (5) weeks under MINNESOTA STATUTES, SECTION MN Stat. §580.07.

582.032, DETERMINING, AMONG TIME AND DATE TO VACATE PROP- OTHER THINGS, THAT THE MORTE R T Y : I f t h e r e a l e s t a t e i s a n GAGED PREMISES ARE IMPROVED owner-occupied, single-family dwell- WITH A RESIDENTIAL DWELLING OF ing, unless otherwise provided by law, LESS THAN FIVE UNITS, ARE NOT the date on or before which the mort- PROPERTY USED IN AGRICULTURAL gagor(s) must vacate the property if the P R O D U C T I O N , A N D A R E mortgage is not reinstated under sec- ABANDONED." Dated: October 23, 2009. tion 580.30 or the property is not Aurora Loan Services LLC redeemed under section 580.23 is Mortgagee/Assignee of Mortgagee 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM USSET, WEINGARDEN AND LIEBO, P.L.L.P. FINANCIAL OBLIGATION ON MORT- By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of GAGE: None "THE TIME ALLOWED BY LAW FOR Mortgagee REDEMPTION BY THE MORTGAGOR, 4500 Park Glen Road #300 THE MORTGAGOR'S PERSONAL REP- Minneapolis, MN 55416 RESENTATIVES OR ASSIGNS, MAY BE (952) 925-6888 REDUCED TO FIVE WEEKS IF A JUDI- 98-931 CIAL ORDER IS ENTERED UNDER 0033226978 MINNESOTA STATUTES, SECTION THIS IS A COMMUNICATION FROM 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G A DEBT COLLECTOR. 11/5-12/10/09 OTHER THINGS, THAT THE MORT- 1966645 GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT NOTICE OF MORTGAGE PROPERTY USED IN AGRICULTURAL FORECLOSURE SALE P R O D U C T I O N , A N D A R E THE RIGHT TO VERIFICATION OF ABANDONED." THE DEBT AND IDENTITY OF THE Dated: October 23, 2009.

ORIGINAL CREDITOR WITHIN THE Aurora Loan Services LLC Mortgagee/Assignee of Mortgagee T I M E P R O V I D E D B Y L A W I S N O T USSET, WEINGARDEN AND LIEBO, P.L.L.P. AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of default has occurred in conditions of the following described mortgage: Mortgagee DATE OF MORTGAGE: J u n e 2 9 , 4500 Park Glen Road #300 2007 Minneapolis, MN 55416 MORTGAGORS: Burton Erickson and (952) 925-6888 Danelle Erickson, husband and wife.

98-925 MORTGAGEE: Mortgage Electronic 0030701205 Registration Systems, Inc. THIS IS A COMMUNICATION FROM DATE AND PLACE OF RECORDING: A DEBT COLLECTOR. Recorded September 18, 2007, Dakota 1966694 11/5-12/10/09 County Recorder, Document No. 2544605.

ASSIGNMENTS OF MORTGAGE: Assigned to: Aurora Loan Services, NOTICE OF MORTGAGE LLC, Dated: October 20, 2009.

FORECLOSURE SALE TRANSACTION AGENT: Mortgage THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE Electronic Registration Systems, Inc. ORIGINAL CREDITOR WITHIN THE TRANSACTION AGENT'S MORTT I M E P R O V I D E D B Y L A W I S N O T GAGE IDENTIFICATION NUMBER ON MORTGAGE: 100024200018151478 AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that LENDER OR BROKER AND MORTdefault has occurred in conditions of G A G E O R I G I N A T O R S T A T E D O N MORTGAGE: American Brokers Conthe following described mortgage: DATE OF MORTGAGE: A u g u s t 2 5 , duit RESIDENTIAL MORTGAGE SER2006 MORTGAGOR: Katherine Sorensen VICER: Aurora Loan Services LLC MORTGAGED PROPERTY ADDRESS: n/k/a Katherine Ann Harris, a single person.

16073 Flagstaff Avenue, Lakeville, MN MORTGAGEE: Mortgage Electronic 55044 TAX PARCEL I.D.#: 22-73400-020-01 Registration Systems, Inc. LEGAL DESCRIPTION OF PROPDATE AND PLACE OF RECORDING: ERTY: Recorded September 21, 2006, Dakota Lot 2, Block 1, Sunrise Village County Recorder, Document No. Common Interest Community No. 2463036.

586.

ASSIGNMENTS OF MORTGAGE: COUNTY IN WHICH PROPERTY IS Assigned to: Aurora Loan Services, LOCATED: Dakota LLC, Dated: October 19, 2009.

ORIGINAL PRINCIPAL AMOUNT OF TRANSACTION AGENT: Mortgage MORTGAGE: $273,600.00 Electronic Registration Systems, Inc. AMOUNT DUE AND CLAIMED TO BE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTMORTGAGE: 100061907000011874 LENDER OR BROKER AND MORT- GAGEE: $307,157.58 GAGE ORIGINATOR STATED ON That prior to the commencement of MORTGAGE: Summit Mortgage Corpo- this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee comration R E S I D E N T I A L M O R T G A G E S E R - plied with all notice requirements as required by statute; That no action or VICER: Aurora Loan Services LLC MORTGAGED PROPERTY ADDRESS: proceeding has been instituted at law 15657 Eagle Stone Road, Apple Valley, 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 MN 55124 secured by said mortgage, or any part thereof; TAX PARCEL I.D. #: 011805230531 PURSUANT to the power of sale conLEGAL DESCRIPTION OF PROPtained in said mortgage, the above ERTY: Unit No. 1305, CIC Number 484, a described property will be sold by the condominium, Legacy Homes at Sheriff of said county as follows: DATE AND TIME OF SALE: January Cobblestone Lake North Shore, Dakota County, Minnesota.

12, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , COUNTY IN WHICH PROPERTY IS Law Enforcement Center, 1580 Hwy LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said MORTGAGE: $215,200.00 AMOUNT DUE AND CLAIMED TO BE Mortgage, and taxes, if any, on said DUE AS OF DATE OF NOTICE, INCLUD- premises, and the costs and disburseING TAXES, IF ANY, PAID BY MORT- m e n t s , i n c l u d i n g a t t o r n e y s ' f e e s allowed by law subject to redemption GAGEE: $241,394.53 That prior to the commencement of within six (6) months from the date of this mortgage foreclosure proceeding said sale by the mortgagor(s), their Mortgagee/Assignee of Mortgagee com- personal representatives or assigns plied with all notice requirements as required by statute; That no action or ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� �� ���� ������OTHER ������ ������� THINGS, THAT THE MORT GAGED PREMISES ARE IMPROVED ���������� ���� ��������� 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 12, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 27, 2009.

Aurora Loan Services LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 98-929 0124846312 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966715 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 1 5 , 2004 MORTGAGORS: Daniel J. Lick and Dana M. Lick, husband and wife.

MORTGAGEE: J P M o r g a n C h a s e Bank, N.A. as successor in interest to Washington Mutual Bank, FA. DATE AND PLACE OF RECORDING: Recorded July 23, 2004, Dakota County Recorder, Document No. 2229489.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Washington Mutual Bank, FA RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 220 North 18th Avenue, South Saint Paul, MN 55075 TAX PARCEL I.D.#: 36-17200-060-00 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Choban's Addition 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: $218,811.86 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no 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 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORT-

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: October 23, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2573 0680393337 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966966 11/5-12/10/09

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 31, 2007 MORTGAGOR: Jesse Bauer, a single person.

MORTGAGEE: ABN AMRO Mortgage Group, Inc n/k/a CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Registered August 13, 2007, Dakota County Registrar of Titles, Document No. 615535, Certificate of Title No. 143179.

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: ABN AMRO Mortgage Group, Inc n/k/a CitiMortgage, Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 13986 Herald Way, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-56775-200-09 LEGAL DESCRIPTION OF PROPERTY: Lot Twenty, Block Nine in Palomino Woods COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $148,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $158,908.86 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no 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 26, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 26, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 23, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2699 656817714 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1997085 12/3/09-1/7/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 30, 2003 MORTGAGOR: Vladimir Abramov, a single person.

MORTGAGEE: Centennial Mortgage & Funding, Inc. DATE AND PLACE OF RECORDING: Recorded September 18, 2003, Dakota County Recorder, Document No. 2111819.

ASSIGNMENTS OF MORTGAGE: Assigned to: Lehman Brothers Bank, FSB, Dated: May 30, 2003, Recorded: September 18, 2003, Document No. 2111820. And thereafter assigned to: Mortgage Electronic Registration Systems, Inc, Dated: March 12, 2004, Recorded: March 26, 2004, Document No. 2189299. And thereafter assigned to: CitiMortgage, Inc, Dated: November 13, 2009.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Centennial Mortgage & Funding, Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 12978 Nicollet Avenue South 201, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-01300-657-16 LEGAL DESCRIPTION OF PROPERTY: Apartment No. 201, and Garage No. 115, 12978 Nicollet Avenue, Ridgeview Condominium, Condominium No. 15 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $50,050.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $46,570.26 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 26, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 26, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 23, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2700 626396348 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1997317 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 2 5 , 2003 MORTGAGOR: G l e n d a L o r r a i n e

MORTGAGOR: G l e n d a L o r r a i n e McCalister, a single person.

MORTGAGEE: A B N A M R O M O R T GAGE GROUP, INC. N/K/A CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Registered August 19, 2003, Dakota County Registrar of Titles, Document No. 0510829, Certificate of Title No. 103570.

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: ABN AMRO MORTGAGE GROUP, INC. N/K/A CitiMortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 3206 Marice Court, Eagan, MN 55121 TAX PARCEL I.D.#: 10-20960-040-04 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 4, Donnywood. Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $137,200.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE:$126,992.44 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: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 26, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2441 638056818 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966147 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 27, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $350,000.00 MORTGAGOR(S): Glenn L. Hofer and MaryLou Hofer, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: November 19, 2004 Dakota County Recorder Document Number: 2269295 ASSIGNMENTS OF MORTGAGE: And assigned to: Suntrust Mortgage, Inc., Dated: October 28, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100103210000079912 Lender or Broker: Prime Mortgage Corporation Residential Mortgage Servicer: SunTrust Mortgage, Inc. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 16602 Hearthside Way, Lakeville, MN 55044-4207 Tax Parcel ID Number: 22-75100-040-05 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 5, Tarry Creek, Dakota County, Minnesota.

Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $327,358.26 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 17, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on June 17, 2010, or the next business day if June 17, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 ASSIGNEE OF MORTGAGEE: Suntrust Mortgage, Inc. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009688F01 1965812 11/5-12/10/09

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 24, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $147,700.00 MORTGAGOR(S): Lisa M. Vavra and Allen C. Vavra, wife and husband MORTGAGEE: Bankers Mortgage Company, LLC DATE AND PLACE OF RECORDING: Recorded: June 04, 2003 Dakota County Recorder Document Number: 2056916 ASSIGNMENTS OF MORTGAGE: And assigned to: TCF Mortgage Corporation, Dated: April 24, 2003, Recorded: June 04, 2003 Dakota County Recorder Document Number: 2056917 And assigned to: Mortgage Electronic Registration Systems, Inc, Dated: May 01, 2006, Recorded: May 10, 2006 Dakota County Recorder Document Number: 2427777 And assigned to: U.S. Bank, N.A., Dated: October 02, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001842333 Lender or Broker: Bankers Mortgage Company, LLC Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 616 2nd St, Farmington, MN 55024-1229 Tax Parcel ID Number: 14-77000-080-05 LEGAL DESCRIPTION OF PROPERTY: Lot 8, and the South 15 feet of Lot 7, Block 5, Town of Farmington, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $109,741.30 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 17, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said

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 17, 2010, or the next business day if June 17, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank, N.A. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 005360F01 1965980 11/5-12/10/09

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 27, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $310,840.00 MORTGAGOR(S): Benzir Ahmed and Tanjina Helaly, husband and wife MORTGAGEE: 2004-0000329, LLC DATE AND PLACE OF RECORDING: Recorded: October 12, 2007 Dakota County Recorder, Document Number: 2550272 ASSIGNMENTS OF MORTGAGE: And assigned to: Guidance Residential, LLC, Dated: September 27, 2007 Recorded: October 12, 2007 Dakota County Recorder, Document Number: 2550273 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: 2004-0000329, LLC Residential Mortgage Servicer: Dovenmuehle Mortgage, Inc. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 19600 Estes Path, Farmington, MN 55024-7200 Tax Parcel ID Number: 14-16600-140-02 LEGAL DESCRIPTION OF PROPERTY: Lot 14, Block 2, Charleswood Crossing, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $318,461.21 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 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §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 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION

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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 05, 2009 ASSIGNEE OF MORTGAGEE: Guidance Residential, LLC Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009418F01 1965833 11/5-12/10/09

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 06, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $313,600.00 MORTGAGOR(S): Meghan A. Selby and Scott A. Selby, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: July 20, 2006 Dakota County Recorder, Document Number: 2446725 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association, As Trustee, On Behalf Of The Holders Of The First Franklin Mortgage Loan Trust 2006-FF14 Mortgage Pass-through Certificates, Series 2006-FF14, Dated: April 20, 2009, Recorded: May 06, 2009 Dakota County Recorder, Document Number: 2654966 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100425240008478551 Lender or Broker: First Franklin, a Division of Nat. City Bank of IN Residential Mortgage Servicer: Select Portfolio Servicing Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 13894 Findlay Ave, Saint Paul, MN 55124-5713 Tax Parcel ID Number: 01-85280-030-05 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 5, Wyndemere Addition, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $350,731.27 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 18, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 18, 2010, or the next business day if July 18, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 03, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association, As Trustee, On Behalf Of The Holders Of The First Franklin Mortgage Loan Trust 2006-FF14 Mortgage Pass-through Certificates, Series 2006-FF14 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 003345F02 1994223 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 9, 2004 MORTGAGOR: William M Lynch, a single person.

MORTGAGEE: ABN AMRO Mortgage Group, Inc n/k/a CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Recorded July 19, 2004, Dakota County Recorder, Document No. 2227081.

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: 1154 Ohio Street, West Saint Paul, MN 55118 TAX PARCEL I.D.#: 42-34952-220-01 LEGAL DESCRIPTION OF PROPERTY: The North 26 feet of Lot 21, and the south 28 feet of Lot 22, Block 1, Ickler's 3rd addition to South Saint Paul COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $136,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $108,504.63 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: January 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 23, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2660 644091686 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1997101 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE:M a r c h 1 4 , 2006 MORTGAGORS:Dedi Ekasa and Dian Wisdianawati, HUSBAND AND WIFE. MORTGAGEE:Chase Bank USA, N.A. DATE AND PLACE OF RECORDING: Recorded July 24, 2006, Dakota County Recorder, Document No. 2447806.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank National Association, as Trustee for J.P. Morgan

ciation, as Trustee for J.P. Morgan Mortgage Acquisition Trust 2006-CH2, Asset Backed Pass-Through Certificates, Series 2006-CH2, Dated: September 28, 2009, Recorded: October 7, 2009, Document No. 2688960.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Chase Bank USA, N.A. RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance, LLC MORTGAGED PROPERTY ADDRESS: 14724 Hayes Road, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-16301-010-01 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 1, Carrollton Estates 2nd Addition. Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $216,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $222,639.54 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 28, 2009.

U.S. Bank National Association, Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 75-3779 22681167 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966825 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: February 21, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $182,000.00 MORTGAGOR(S): Matthew R Kachman, single MORTGAGEE: U.S. Bank National Association ND DATE AND PLACE OF RECORDING: Recorded: March 22, 2007 Dakota County Recorder, Document Number: 2504474 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: U.S. Bank National Association ND Residential Mortgage Servicer: U.S. Bank Consumer Finance Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 20732 Hampshire Cir, Lakeville, MN 55044-4667 Tax Parcel ID Number: 22-82052-180-02 LEGAL DESCRIPTION OF PROPERTY: Lot 18, Block 2, Village Creek 3rd Addition, CIC No. 327, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $189,718.08 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

debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 17, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on June 17, 2010, or the next business day if June 17, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 MORTGAGEE: U.S. Bank National Association ND Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009199F01 1965883 11/5-12/10/09

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 0 , 2007 MORTGAGORS: Patricia Antwi and Patience Senkyire, both single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded April 19, 2007, Dakota County Recorder, Document No. 2510869.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc, Dated: October 13, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100053030011320927 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Aegis Wholesale Corporation RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 18234 Kerrville Trail #104, Lakeville, MN 55044 TAX PARCEL I.D.#: 22-58500-104-20 LEGAL DESCRIPTION OF PROPERTY: Unit 104, Prairie Lake Lodges, Common Interest Community Number 372 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $195,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $209,317.96 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 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROP-

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������ ������ ������� �������� �� ���� PROP TO VACATE TIME AND DATE REDUCED TO FIVE WEEKS IF A JUDI E R T Y : I f t h e r e a l e s t a t e i s a n CIAL ORDER IS ENTERED UNDER owner-occupied, single-family dwell- MINNESOTA STATUTES, SECTION ing, unless otherwise provided by law, 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G the date on or before which the mort- OTHER THINGS, THAT THE MORTgagor(s) must vacate the property if the GAGED PREMISES ARE IMPROVED mortgage is not reinstated under sec- WITH A RESIDENTIAL DWELLING OF tion 580.30 or the property is not LESS THAN FIVE UNITS, ARE NOT redeemed under section 580.23 is PROPERTY USED IN AGRICULTURAL 11:59 p.m. on July 7, 2010.

P R O D U C T I O N , A N D A R E MORTGAGOR(S) RELEASED FROM ABANDONED." Dated: October 30, 2009.

FINANCIAL OBLIGATION ON MORTDeutsche Bank National Trust GAGE: None Company, as trustee "THE TIME ALLOWED BY LAW FOR Mortgagee/Assignee of Mortgagee REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REP- USSET, WEINGARDEN AND LIEBO, P.L.L.P. RESENTATIVES OR ASSIGNS, MAY BE By: Paul A. Weingarden REDUCED TO FIVE WEEKS IF A JUDI- Attorneys for Mortgagee/Assignee of CIAL ORDER IS ENTERED UNDER Mortgagee MINNESOTA STATUTES, SECTION 4500 Park Glen Road #300 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G Minneapolis, MN 55416 OTHER THINGS, THAT THE MORT- (952) 925-6888 GAGED PREMISES ARE IMPROVED 84-414 WITH A RESIDENTIAL DWELLING OF 2000399032 LESS THAN FIVE UNITS, ARE NOT THIS IS A COMMUNICATION FROM PROPERTY USED IN AGRICULTURAL A DEBT COLLECTOR. 11/5-12/10/09 P R O D U C T I O N , A N D A R E 1966878 ABANDONED." Dated: October 26, 2009.

CitiMortgage, Inc. NOTICE OF MORTGAGE Mortgagee/Assignee of Mortgagee FORECLOSURE SALE USSET, WEINGARDEN AND LIEBO, P.L.L.P. THE RIGHT TO VERIFICATION OF By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE Mortgagee TIME PROVIDED BY LAW IS NOT 4500 Park Glen Road #300 AFFECTED BY THIS ACTION. Minneapolis, MN 55416 NOTICE IS HEREBY GIVEN, that (952) 925-6888 default has occurred in conditions of 10-2465 the following described mortgage: 2004300643 DATE OF MORTGAGE: April 23, 2007 THIS IS A COMMUNICATION FROM MORTGAGORS: Errol M. Fisher and A DEBT COLLECTOR. 1965534 11/5-12/10/09 Sherry A. Fisher, both single.

MORTGAGEE: Option One Mortgage Corporation.

DATE AND PLACE OF RECORDING: Recorded May 9, 2007, Dakota County NOTICE OF MORTGAGE Recorder, Document No. 2515432.

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF ASSIGNMENTS OF MORTGAGE: THE DEBT AND IDENTITY OF THE Assigned to: Wells Fargo Bank, N.A. ORIGINAL CREDITOR WITHIN THE as Trustee for Option One Mortgage T I M E P R O V I D E D B Y L A W I S N O T Loan Trust 2007-6 Asset-Backed CerAFFECTED BY THIS ACTION. tificates, Series 2007-6, Dated: OctoNOTICE IS HEREBY GIVEN, that ber 10, 2008, Recorded: October 17, default has occurred in conditions of 2008, Document No. 2618400. the following described mortgage: TRANSACTION AGENT: NONE DATE OF MORTGAGE: S e p t e m b e r TRANSACTION AGENT'S MORT29, 2006 GAGE IDENTIFICATION NUMBER ON MORTGAGOR: Irene K. Njongwa, a MORTGAGE: NONE single person.

LENDER OR BROKER AND MORTMORTGAGEE: Mortgage Electronic G A G E O R I G I N A T O R S T A T E D O N Registration Systems, Inc. MORTGAGE: Option One Mortgage DATE AND PLACE OF RECORDING: Corporation Registered October 31, 2006, Dakota RESIDENTIAL MORTGAGE SERCounty Registrar of Titles, Document VICER: American Home Mortgage SerNo. 600452, Certificate of Title No. vicing, Inc 112414.

MORTGAGED PROPERTY ADDRESS: A S S I G N M E N T S O F M O R T G A G E : 412 1st Street, Farmington, MN 55024 Assigned to: Deutsche Bank National TAX PARCEL I.D.#: 14-77000-060-13 Trust Company, as Trustee under LEGAL DESCRIPTION OF PROPNovaStar Mortgage Funding Trust, ERTY: Series 2006-5, Dated: September 22, The North 50 feet of Lots 4, 5, and 6, Block 13, Town of Farmington, 2008, Recorded: November 26, 2008, Document No. T636064.

Dakota County, MN., according to Said Mortgage being Registered the recorded plat thereof.

Land.

COUNTY IN WHICH PROPERTY IS TRANSACTION AGENT: Mortgage LOCATED: Dakota Electronic Registration Systems, Inc. ORIGINAL PRINCIPAL AMOUNT OF T R A N S A C T I O N A G E N T ' S M O R T - MORTGAGE: $125,992.00 AMOUNT DUE AND CLAIMED TO BE GAGE IDENTIFICATION NUMBER ON MORTGAGE: 100080190060243755 DUE AS OF DATE OF NOTICE, INCLUDLENDER OR BROKER AND MORT- ING TAXES, IF ANY, PAID BY MORTG A G E O R I G I N A T O R S T A T E D O N GAGEE: $138,583.19 MORTGAGE: NovaStar Mortgage, Inc. That prior to the commencement of 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 VICER: Saxon Mortgage Services, Inc. Mortgagee/Assignee of Mortgagee comMORTGAGED PROPERTY ADDRESS: plied with all notice requirements as 13420 Commonwealth Drive, Burns- required by statute; That no action or ville, MN 55337 proceeding has been instituted at law TAX PARCEL I.D.#: 02-31103-210-01 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 LEGAL DESCRIPTION OF PROP- secured by said mortgage, or any part ERTY: thereof; Lot 21, Block 1, in Grosse Pointe PURSUANT to the power of sale conFourth Addition, Dakota County, tained in said mortgage, the above Minnesota. described property will be sold by the COUNTY IN WHICH PROPERTY IS Sheriff of said county as follows: LOCATED: Dakota DATE AND TIME OF SALE: January ORIGINAL PRINCIPAL AMOUNT OF 12, 2010 at 10:00 AM MORTGAGE: $228,000.00 PLACE OF SALE: S h e r i f f ' s O f f i c e , AMOUNT DUE AND CLAIMED TO BE Law Enforcement Center, 1580 Hwy DUE AS OF DATE OF NOTICE, INCLUD- 55, Lobby #S-100, Hastings, MN ING TAXES, IF ANY, PAID BY MORT- to pay the debt then secured by said GAGEE: $276,895.97 Mortgage, and taxes, if any, on said That prior to the commencement of premises, and the costs and disbursethis mortgage foreclosure proceeding 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 Mortgagee/Assignee of Mortgagee com- allowed by law subject to redemption plied with all notice requirements as within six (6) months from the date of required by statute; That no action or said sale by the mortgagor(s), their proceeding has been instituted at law personal representatives or assigns 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 unless reduced to Five (5) weeks under secured by said mortgage, or any part MN Stat. §580.07.

TIME AND DATE TO VACATE PROPthereof; PURSUANT to the power of sale con- E R T Y : I f t h e r e a l e s t a t e i s a n tained in said mortgage, the above owner-occupied, single-family dwelldescribed property will be sold by the ing, unless otherwise provided by law, the date on or before which the mortSheriff of said county as follows: DATE AND TIME OF SALE: January gagor(s) must vacate the property if the mortgage is not reinstated under sec14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , tion 580.30 or the property is not Law Enforcement Center, 1580 Hwy redeemed under section 580.23 is 55, Lobby #S-100, Hastings, MN 11:59 p.m. on July 12, 2010. to pay the debt then secured by said MORTGAGOR(S) RELEASED FROM Mortgage, and taxes, if any, on said FINANCIAL OBLIGATION ON MORTpremises, and the costs and disburse- GAGE: None ments, including attorneys' fees "THE TIME ALLOWED BY LAW FOR allowed by law subject to redemption REDEMPTION BY THE MORTGAGOR, within six (6) months from the date of THE MORTGAGOR'S PERSONAL REPsaid sale by the mortgagor(s), their RESENTATIVES OR ASSIGNS, MAY BE personal representatives or assigns REDUCED TO FIVE WEEKS IF A JUDIunless reduced to Five (5) weeks under CIAL ORDER IS ENTERED UNDER MN Stat. §580.07.

MINNESOTA STATUTES, SECTION TIME AND DATE TO VACATE PROP- 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G E R T Y : I f t h e r e a l e s t a t e i s a n OTHER THINGS, THAT THE MORTowner-occupied, single-family dwell- GAGED PREMISES ARE IMPROVED ing, unless otherwise provided by law, WITH A RESIDENTIAL DWELLING OF the date on or before which the mort- LESS THAN FIVE UNITS, ARE NOT gagor(s) must vacate the property if the PROPERTY USED IN AGRICULTURAL mortgage is not reinstated under sec- P R O D U C T I O N , A N D A R E tion 580.30 or the property is not ABANDONED." redeemed under section 580.23 is Dated: October 28, 2009.

11:59 p.m. on July 14, 2010.

Wells Fargo Bank, N.A., as MORTGAGOR(S) RELEASED FROM Trustee FINANCIAL OBLIGATION ON MORTMortgagee/Assignee of Mortgagee GAGE: None USSET, WEINGARDEN AND LIEBO, P.L.L.P. "THE TIME ALLOWED BY LAW FOR By: Paul A. Weingarden REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDI- ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� �� ���� ������ ������ ������� ���������� ���� ��������� By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 40-2424 0023086432 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966842 11/5-12/10/09

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 23, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $206,100.00 MORTGAGOR(S): Juan Bueno-Ramos and Norma Bueno-Gomez, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: May 11, 2006 Dakota County Recorder, Document Number: 2428509 LOAN MODIFICATION: Dated: March 01, 2009, Recorded: June 26, 2009, Document Number: 2666988 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100137510000206858 Lender or Broker: Lakeland Mortgage Corporation Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 2106 Aztec Ln, Mendota Heights, MN 55120-1608 Tax Parcel ID Number: 272780001005 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 5, Friendly Hills Rearrangement AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $227,095.03 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 03, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on June 03, 2010, or the next business day if June 03, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 15, 2009 MORTGAGEE: M o r t g a g e E l e c tronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007810F02 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 03, 2009 at 10:00 AM has been postponed to January 06, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 03, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007810F02 1996280 12/3/09

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 15, 2000 MORTGAGORS: Glynn F. Neumann and Mary Ruth Neumann, husband and wife.

MORTGAGEE: Quicken Loans, Inc. DATE AND PLACE OF RECORDING: Recorded January 19, 2001, Dakota County Recorder, Document No. 1745379.

ASSIGNMENTS OF MORTGAGE: Assigned to: HSBC Mortgage Corporation USA, Dated: November 15, 2000, Recorded: December 31, 2002, Document No. 1978682.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Quicken Loans, Inc. RESIDENTIAL MORTGAGE SERVICER: HSBC Bank USA, N.A. MORTGAGED PROPERTY ADDRESS: 34 Birnamwood Drive, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-14000-060-05 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 5, Birnamwood Plat 1, CIC No. 170 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $124,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $137,109.43 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 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 23, 2009.

HSBC Mortgage Corporation USA Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 43-159 8632040 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1996176 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 2 9 , 2007 MORTGAGORS: E r v i n A . K o o i s t r a and Carol M. Kooistra, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered August 8, 2007, Dakota County Registrar of Titles, Document No. 615273, Certificate of Title No.

No. 615273, Certificate of Title No. 143154.

ASSIGNMENTS OF MORTGAGE: Assigned to: Aurora Loan Services, LLC, Dated: October 19, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100062604742953427 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Homecomings Financial, LLC f/k/a Homecomings Financial Network, Inc. RESIDENTIAL MORTGAGE SERVICER: Aurora Loan Services LLC MORTGAGED PROPERTY ADDRESS: 13121 Longview Drive, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-31101-110-02 LEGAL DESCRIPTION OF PROPERTY: Lot 11, Block 2, in Grosse Pointe Second Addition, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $403,200.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $445,959.08 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 23, 2009.

Aurora Loan Services LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 98-930 0021438809 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 196663 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 27, 2004 MORTGAGORS: Nathan D. Johnson and Anna M. Johnson, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded August 24, 2004, Dakota County Recorder, Document No. 2241482.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc, Dated: October 8, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100026600064230159 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Freeland Financial Services Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 20558 Camden Path, Farmington, MN 55024 TAX PARCEL I.D.#: 14-74900-080-03 LEGAL DESCRIPTION OF PROP-

LEGAL DESCRIPTION OF PROP ERTY: Lot 8, Block 3, Tamarack Ridge, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $245,750.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $235,919.16 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 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 26, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2038 6423015 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966174 11/5-12/10/09

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 , 2004 MORTGAGORS: Ronald S. Baker and Carolyn T. Baker, husband and wife.

MORTGAGEE: ABN AMRO Mortgage Group, Inc. n/k/a CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Recorded September 27, 2004, Dakota County Recorder, Document No. 2252250.

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: 408 Elm Street, Farmington, MN 55024 TAX PARCEL I.D.#: 14-77000-040-24 LEGAL DESCRIPTION OF PROPERTY: Lot Four in Block Twenty-Four, Town of Farmington COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $153,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $150,776.25 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: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e ,

PLACE OF SALE: S h e r i f f s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 26, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2510 646320928 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966136 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 22, 2005 MORTGAGORS: Michael R. Erickson and Heidi J. Erickson, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded May 3, 2005, Dakota County Recorder, Document No. 2318703.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: September 28, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100061905111000026 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Summit Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 5253 180th Street, Farmington, MN 55024 TAX PARCEL I.D.#: 14-19500-030-09 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 9, Dakota County Estates. Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $178,400.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $176,275.29 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 22, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 22, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None

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: October 22, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2505 550136189 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1965571 11/5-12/10/09

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 05, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $137,500.00 MORTGAGOR(S): Kathryn R. Shufelt, unmarried woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 23, 2007 Dakota County Recorder, Document Number: 2552079 ASSIGNMENTS OF MORTGAGE: And assigned to: AmTrust Bank, Dated: October 26, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100162500049196067 Lender or Broker: AmTrust Bank Residential Mortgage Servicer: AmTrust Bank Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 15478 Pennock Ln, Apple Valley, MN 55124-7165 Tax Parcel ID Number: 01-77000-040-14 LEGAL DESCRIPTION OF PROPERTY: Lot Four (4), Block Fourteen (14), Townhouse Fourth Addition, according to the duly recorded plat thereof, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $142,981.25 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale 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 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §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 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 12, 2009 ASSIGNEE OF MORTGAGEE: AmTrust Bank Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009810F01 1973329 11/12-12/17/09

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PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 22, 2002 MORTGAGORS: M i c h a e l R . C l e m ents and Anathea T. Clements, husband and wife.

MORTGAGEE: Citizens State Bank.

DATE AND PLACE OF RECORDING: Recorded June 28, 2002, Dakota County Recorder, Document No. 1911078.

ASSIGNMENTS OF MORTGAGE: Assigned to: Principal Residential Mortgage, Inc n/k/a CitiMortgage, Inc, Dated: April 22, 2002, Recorded: June 28, 2002, Document No. 1911079.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Citizens State Bank RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 15747 Cicerone Path, Rosemount, MN 55068 TAX PARCEL I.D.#: 34-30250-040-01 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 1, Geronime Pond COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $157,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $146,384.42 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 26, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 26, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 23, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2724 770067827 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1996683 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 28, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $348,000.00 MORTGAGOR(S): Aaron P. Welborn and Jane M. Welborn, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: November 07, 2005 Dakota County Recorder, Document Number: 2378823 ASSIGNMENTS OF MORTGAGE: And assigned to: Central Mortgage Company, Dated: February 27, 2009, Recorded: April 14, 2009 Dakota

Recorded: April 14, 2009 Dakota County Recorder, Document Number: 2650088 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100131022500832211 Lender or Broker: American Mortgage Network, Inc. Residential Mortgage Servicer: Central Mortgage Company Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 12593 Eden Ct, Apple Valley, MN 55124-5745 Tax Parcel ID Number: 01-15150-020-01 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 1, Briar Knoll 1st Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $373,686.90 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 17, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on June 17, 2010, or the next business day if June 17, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 ASSIGNEE OF MORTGAGEE: Central Mortgage Company Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 002172F02 1963422 11/5-12/10/09

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 04, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $188,000.00 MORTGAGOR(S): Lucy Nelson, and Dennis Nelson, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: January 12, 2007 Dakota County Recorder, Document Number: 2487774 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association, as Trustee of Mastr Adjustable Rate Mortgages Trust 2006-OA2 Dated: May 08, 2008, Recorded: May 13, 2008 Dakota County Recorder, Document Number: 2589783 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100133700016976469 Lender or Broker: Countrywide Bank, N.A. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 912 Oakdale Ave, West Saint Paul, MN 55118-1537 Tax Parcel ID Number: 42-43300-140-01 LEGAL DESCRIPTION OF PROPERTY: Lot 12, 13 and 14, Block 1, except the East 40 feet thereof and except the South 10 feet of Lot 14, Block 1, Krey and Stoven's Addition to St. Paul, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $232,495.58 THAT all pre-foreclosure requirements have been complied with; that

ments have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §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 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association, as Trustee of Mastr Adjustable Rate Mortgages Trust 2006-OA2 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007427F01 1966586 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 1 5 , 2008 MORTGAGORS: Kurt D. Peton and Lauren L. Lightner-Peton, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded August 20, 2008, Dakota County Recorder, Document No. 2609129.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: October 20, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100026900141072669 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Bell America Mortgage LLC DBA Bell Mortgage RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 716 Caribou Lane, Eagan, MN 55123 TAX PARCEL I.D.#: 10-25801-100-05 LEGAL DESCRIPTION OF PROPERTY: Lot 10, Block 5, Fawn Ridge 2nd Addition. Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $266,050.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $281,575.76 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 12, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of

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 12, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 29, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2598 2005656193 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966787 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: May 13, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $207,000.00 MORTGAGOR(S): Darin R. Pederson and Laina D. Pederson, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: June 21, 2004 Dakota County Recorder, Document Number: 2217657 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100103210000062371 Lender or Broker: Prime Mortgage Corporation Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 643 14th Ave N, South Saint Paul, MN 55075-1631 Tax Parcel ID Number: 36-70207-050-01 LEGAL DESCRIPTION OF PROPERTY: Lot 5 and the South 1/2 of Lot 4, Block 1, South Park Division No. 8, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $220,367.68 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §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 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED.

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������ ������� �������� �� ���� PRODUCTION,������ AND ARE ABANDONED. DATED: November 12, 2009 MORTGAGEE: Mortgage ElecNOTICE OF MORTGAGE tronic Registration Systems, Inc. FORECLOSURE SALE Wilford & Geske, P.A. NOTICE IS HEREBY GIVEN that Attorneys for Mortgagee default has occurred in the conditions Lawrence A. Wilford of the following described mortgage: James A. Geske DATE OF MORTGAGE: July 07, 2003 8425 Seasons Parkway, Suite 105 ORIGINAL PRINCIPAL AMOUNT OF Woodbury, MN 55125-4393 MORTGAGE: $192,000.00 (651) 209-3300 MORTGAGOR(S): Shirley A Herding File Number: 009851F01 1969210 11/12-12/17/09 and David P. Herding, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. NOTICE OF MORTGAGE DATE AND PLACE OF RECORDING: FORECLOSURE SALE Recorded: August 21, 2003 Dakota THE RIGHT TO VERIFICATION OF County Recorder, Document Number: THE DEBT AND IDENTITY OF THE 2098377 ORIGINAL CREDITOR WITHIN THE AND CORRECTIVE MORTGAGE TIME PROVIDED BY LAW IS NOT RECORDING: February 07, 2006 AFFECTED BY THIS ACTION. Dakota County Recorder, Document NOTICE IS HEREBY GIVEN, that Number: 2404021 default has occurred in conditions of ASSIGNMENTS OF MORTGAGE: And the following described mortgage: assigned to: BAC Home Loans ServicDATE OF MORTGAGE: February 22, ing, L.P., Dated: November 25, 2009 2007 Transaction Agent: Mortgage ElecMORTGAGORS: Vane K. Gichana and tronic Registration Systems, Inc. Evans M. Mogaka, wife and husband.

Transaction Agent Mortgage IdentifiMORTGAGEE: Mortgage Electronic cation Number: 100177700000283499 Registration Systems, Inc. Lender or Broker: Home Town MortDATE AND PLACE OF RECORDING: gage, Inc. Recorded March 13, 2007, Dakota Residential Mortgage Servicer: BAC C o u n t y R e c o r d e r , D o c u m e n t N o . Home Loans Servicing, L.P. 2502308.

Mortgage Originator: Not Applicable ASSIGNMENTS OF MORTGAGE: COUNTY IN WHICH PROPERTY IS Assig ned to: U.S. B a n k , N a t i o n a l LOCATED: Dakota Association, as successor trustee to Property Address: 716 5th St W, B a n k o f A m e r i c a , N . A . , S / B / M t o Hastings, MN 55033-1712 LaSalle Bank National Association, as Tax Parcel ID Number: Trustee for Merrill Lynch First Frank- 19-10500-171-26 lin Mortgage Loan Trust, Mortgage LEGAL DESCRIPTION OF PROPLoan Asset-Backed Certificates, Series ERTY: Lot 17, Block 26, Addition No. 2007-2, Dated: February 22, 2007, 13 to the City of Hastings Recorded: February 12, 2009, DocuAMOUNT DUE AND CLAIMED TO BE ment No. 2637177.

DUE AS OF DATE OF NOTICE: TRANSACTION AGENT: Mortgage $179,202.78 Electronic Registration Systems, Inc. THAT all pre-foreclosure requireT R A N S A C T I O N A G E N T ' S M O R T - ments have been complied with; that GAGE IDENTIFICATION NUMBER ON no action or proceeding has been instiMORTGAGE: 100425240012845340 tuted at law or otherwise to recover the LENDER OR BROKER AND MORT- debt secured by said mortgage, or any G A G E O R I G I N A T O R S T A T E D O N part thereof; MORTGAGE: First Franklin Financial PURSUANT to the power of sale conCorporation tained in said mortgage, the R E S I D E N T I A L M O R T G A G E S E R - above-described property will be sold VICER: Home Loan Services, Inc. by the Sheriff of said county as folMORTGAGED PROPERTY ADDRESS: lows: 17873 Floral Park Circle, Lakeville, MN DATE AND TIME OF SALE: January 55044 21, 2010 at 10:00 AM TAX PARCEL I.D.#: 22-18606-010-03 PLACE OF SALE: Dakota County L E G A L D E S C R I P T I O N O F P R O P - Law Enforcement Center, 1580 HighERTY: Lot 1, Block 3, Crossroads 7th way 55, Lobby S-100, Hastings, MinneAddition, Dakota County, Minnesota. sota COUNTY IN WHICH PROPERTY IS to pay the debt secured by said mortLOCATED: Dakota gage and taxes, if any, on said preORIGINAL PRINCIPAL AMOUNT OF mises and the costs and disburseMORTGAGE: $331,920.00 ments, including attorney fees allowed AMOUNT DUE AND CLAIMED TO BE by law, subject to redemption within DUE AS OF DATE OF NOTICE, INCLUD- six (6) months from the date of said ING TAXES, IF ANY, PAID BY MORT- sale by the mortgagor(s), their perGAGEE: $376,547.14 sonal representatives or assigns.

That prior to the commencement of If the Mortgage is not reinstated this mortgage foreclosure proceeding under Minn. Stat. §580.30 or the propMortgagee/Assignee of Mortgagee com- erty is not redeemed under Minn. Stat. plied with all notice requirements as §580.23, the Mortgagor must vacate required by statute; That no action or the property on or before 11:59 p.m. on proceeding has been instituted at law July 21, 2010, or the next business day 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 if July 21, 2010 falls on a Saturday, secured by said mortgage, or any part Sunday or legal holiday. thereof; Mortgagor(s) released from financial PURSUANT to the power of sale con- obligation: NONE tained in said mortgage, the above THIS COMMUNICATION IS FROM described property will be sold by the A DEBT COLLECTOR ATTEMPTSheriff of said county as follows: ING TO COLLECT A DEBT. ANY DATE AND TIME OF SALE: January INFORMATION OBTAINED WILL BE 28, 2010 at 10:00 AM USED FOR THAT PURPOSE. PLACE OF SALE:Sheriff's Office, Law THE RIGHT TO VERIFICATION OF Enforcement Center, 1580 Hwy 55, THE DEBT AND IDENTITY OF THE Lobby #S-100, Hastings, MN ORIGINAL CREDITOR WITHIN THE to pay the debt then secured by said T I M E P R O V I D E D B Y L A W I S N O T Mortgage, and taxes, if any, on said AFFECTED BY THIS ACTION. premises, and the costs and disburseTHE TIME ALLOWED BY LAW FOR 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 REDEMPTION BY THE MORTGAGOR, allowed by law subject to redemption THE MORTGAGOR'S PERSONAL REPwithin six (6) months from the date of RESENTATIVES OR ASSIGNS, MAY BE said sale by the mortgagor(s), their REDUCED TO FIVE WEEKS IF A JUDIpersonal representatives or assigns CIAL ORDER IS ENTERED UNDER unless reduced to Five (5) weeks under MINNESOTA STATUTES, SECTION MN Stat. §580.07.

582.032, DETERMINING, AMONG TIME AND DATE TO VACATE PROP- OTHER THINGS, THAT THE MORTE R T Y : I f t h e r e a l e s t a t e i s a n GAGED PREMISES ARE IMPROVED owner-occupied, single-family dwell- WITH A RESIDENTIAL DWELLING OF ing, unless otherwise provided by law, LESS THAN FIVE UNITS, ARE NOT the date on or before which the mort- PROPERTY USED IN AGRICULTURAL gagor(s) must vacate the property if the PRODUCTION, AND ARE ABANDONED. mortgage is not reinstated under secDATED: December 03, 2009 tion 580.30 or the property is not ASSIGNEE OF MORTGAGEE: BAC redeemed under section 580.23 is Home Loans Servicing, L.P. 11:59 p.m. on July 28, 2010.

Wilford & Geske, P.A. MORTGAGOR(S) RELEASED FROM Attorneys for Assignee of Mortgagee FINANCIAL OBLIGATION ON MORT- Lawrence A. Wilford GAGE: None James A. Geske "THE TIME ALLOWED BY LAW FOR 8425 Seasons Parkway, Suite 105 REDEMPTION BY THE MORTGAGOR, Woodbury, MN 55125-4393 THE MORTGAGOR'S PERSONAL REP- (651) 209-3300 RESENTATIVES OR ASSIGNS, MAY BE File Number: 010341F01 REDUCED TO FIVE WEEKS IF A JUDI- 1996409 12/3/09-1/7/10 CIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG NOTICE OF MORTGAGE OTHER THINGS, THAT THE MORTFORECLOSURE SALE GAGED PREMISES ARE IMPROVED THE RIGHT TO VERIFICATION OF WITH A RESIDENTIAL DWELLING OF THE DEBT AND IDENTITY OF THE LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL ORIGINAL CREDITOR WITHIN THE P R O D U C T I O N , A N D A R E TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. ABANDONED." NOTICE IS HEREBY GIVEN, that Dated: November 24, 2009.

U.S. Bank National Association, default has occurred in conditions of the following described mortgage: Trustee DATE OF MORTGAGE: November 23, Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, 2005 MORTGAGORS: J a m e s P . C a r l s o n P.L.L.P. and Lorraine Carlson, husband and By: Paul A. Weingarden wife.

Attorneys for Mortgagee/Assignee of MORTGAGEE: Mortgage Electronic Mortgagee Registration Systems, Inc. 4500 Park Glen Road #300 DATE AND PLACE OF RECORDING: Minneapolis, MN 55416 Recorded December 12, 2005, Dakota (952) 925-6888 C o unty Recorder, Document No. 76-3004 2387984.

1044851214 ASSIGNMENTS OF MORTGAGE: THIS IS A COMMUNICATION FROM Assigned to: U.S. Bank, N.A., Dated: A DEBT COLLECTOR. October 16, 2009.

1996651 12/3/09-1/7/10 TRANSACTION AGENT: Mortgage

PUBLIC NOTICE

PUBLIC NOTICE

PUBLIC NOTICE

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��� �������� �� ���� ������t a������ ������� ined in s aid mortgage, the above-described property will be sold ���������� ���� ��������� TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100021278925444478 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: U.S. Bank, N.A. RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 2232 Liberty Lane, Eagan, MN 55122 TAX PARCEL I.D.#: 10-22427-250-02 LEGAL DESCRIPTION OF PROPERTY: Lot 25, Block 2, Eagan Heights Townhomes 3rd Addition, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $219,518.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $235,957.46 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 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 3, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-467 7892544447 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974786 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: March 30, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $156,800.00 MORTGAGOR(S): Nancy E. Ogrezovich, a married person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: April 05, 2006 Dakota County Recorder, Document Number: 2418089 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100052624198413173 Lender or Broker: Fieldstone Mortgage Company Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 18228 Kerrville Trl # 101, Lakeville, MN 55044-7295 Tax Parcel ID Number: 22-58500-101-20 LEGAL DESCRIPTION OF PROPERTY: Unit No. 101, Prairie Lake Lodges, CIC No. 372, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $170,117.17 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the

by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 30, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on June 30, 2010, or the next business day if June 30, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 12, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010023F01 1968968 11/12-12/17/09

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 21, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $121,600.00 MORTGAGOR(S): Carlos D. Rocha, married MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: March 16, 2006 Dakota County Recorder, Document Number: 2412855 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100031432005120338 Lender or Broker: First Guaranty Mortgage Corporation Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1268 Timbershore Ln, Eagan, MN 55123-1019 Tax Parcel ID Number: 10-76502-010-08 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 8, Timbershore Third Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $122,945.79 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §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 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE

ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 12, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009916F01 1974218 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: May 20, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $300,000.00 MORTGAGOR(S): Teri Jo Nutt, a single person MORTGAGEE: TCF Mortgage Corporation DATE AND PLACE OF RECORDING: Recorded: July 08, 2003 Dakota County Recorder, Document Number: 2075250 ASSIGNMENTS OF MORTGAGE: And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: May 01, 2006, Recorded: May 10, 2006 Dakota County Recorder, Document Number: 2428055 And assigned to: U.S. Bank National Association, Dated: November 04, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001860376 Lender or Broker: TCF Mortgage Corporation Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 13130 Evermore Pkwy, Apple Valley, MN 55124-5250 Tax Parcel ID Number: 01-24800-070-01 LEGAL DESCRIPTION OF PROPERTY: Lot 7, Block 1, Evermoor Apple Valley, CIC No. 299, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $283,261.00 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §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 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006897F02 1982396 11/19-12/24/09

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, 2005 MORTGAGORS: Joanna L. Lessard and Chad A. Lessard, wife and husband.

MORTGAGEE: First Franklin.

DATE AND PLACE OF RECORDING: Recorded January 4, 2006, Dakota County Recorder, Document No. 2394164.

ASSIGNMENTS OF MORTGAGE: Assigned to: First Franklin Financial Corporation, Dated: April 4, 2006, Recorded: April 17, 2006, Document No. 2420796. And thereafter assigned to: Deutsche Bank National Trust Company, as Trustee for FFMLT Trust 2006-FF3, Mortgage Pass-Through Certificates, Series 2006-FF3, Dated: April 9, 2009, Recorded: May 4, 2009, Document No. 2654155.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Franklin RESIDENTIAL MORTGAGE SERVICER: Home Loan Services, Inc. MORTGAGED PROPERTY ADDRESS: 6015 Concord Boulevard, Inver Grove Heights, MN 55076 TAX PARCEL I.D.#: 20-64050-040-01 LEGAL DESCRIPTION OF PROPERTY: Lots 3 and 4, Block 1, Laura Riebe Addition to Inver Grove Heights, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $211,680.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $234,042.37 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 27, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 27, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 23, 2009.

Deutsche Bank National Trust Company, as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 76-3203 1044607042 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1996081 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 06, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $126,900.00 MORTGAGOR(S): Joseph M. Cortelli, a single man MORTGAGEE: Mortgage Electronic Registration Systems, Inc.

Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 26, 2006 Dakota County Recorder, Document Number: 2471036 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, LP, Dated: September 21, 2009, Recorded: September 23, 2009 Dakota County Recorder, Document Number: 2686029 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1003215-0001160195-1 Lender or Broker: Timberland Mortgage Services, Inc. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4488 Cinnamon Ridge Trl Unit 52, Eagan, MN 55122-2385 Tax Parcel ID Number: 101740019200 LEGAL DESCRIPTION OF PROPERTY: Building G, Unit 52, Cinnamon Ridge, Carriage Homes, a Condominium, Condominium Ownership No. 41 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $129,412.38 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 04, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 04, 2010, or the next business day if July 04, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, LP Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008645F01 1969260 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: April 30, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $292,480.00 MORTGAGOR(S): Thomas R. Heine, a single person and Rachel R. Frandrup, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: May 14, 2007 Dakota County Recorder, Document Number: 2516996 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100062604723618155 Lender or Broker: Homecomings Financial, LLC fka Homecomings Financial Network, Inc. Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 17748 Galery Dr, Lakeville, MN 55044 Tax Parcel ID Number: 22-18601-020-06 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 6, Crossroads 2nd Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $292,967.15 THAT all pre-foreclosure require-

THAT all pre foreclosure require ments have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 05, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 05, 2010, or the next business day if July 05, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 12, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009799F01 1974443 11/12-12/17/09

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 29, 2001 MORTGAGOR: Jeffrey P. Bistodeau, a single man.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded February 22, 2002, Dakota County Recorder, Document No. 1865728.

ASSIGNMENTS OF MORTGAGE: Assigned to: Provident Funding Associates, L.P., Dated: October 26, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100017935111100349 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Provident Funding Associates, L.P. RESIDENTIAL MORTGAGE SERVICER: Provident Funding Associates, L.P. MORTGAGED PROPERTY ADDRESS: 1100 Vista Drive, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-82200-021-00 LEGAL DESCRIPTION OF PROPERTY: REAL PROPERTY IN DAKOTA COUNTY, MINNESOTA, DESCRIBED AS FOLLOWS: THE VACATED PART OF DUPONT AVE. SO. IN VISTA VIEW 1st ADDITION DESCRIBED AS FOLLOWS; COMMENCING AT THE NORTHEASTERLY CORNER OF LOT 1, BLOCK 3, OF SAID VISTA VIEW 1st ADDITION; THENCE ON A CURVE TO THE RIGHT HAVING A RADIUS OF 60.0 FEET AND A CENTRAL ANGLE OF 240 DEGREES 00 MINUTES A DISTANCE OF 251.33 FEET TO THE NORTHWESTERLY CORNER OF LOT 2, BLOCK 4, OF SAID VISTA VIEW OT ADDITION; THENCE SOUTHWESTERLY ALONG THE NORTHWESTERLY LINE OF SAID LOT 2 A DISTANCE OF 103.92 FEET; THENCE NORTHWESTERLY AT RIGHT ANGLES TO THE AFOREMENTIONED NORTHWESTERLY LINE OF LOT 2 A DISTANCE OF 60.0 FEET TO THE EASTERLY LINE OF LOT 1, BLOCK 3 OF SAID ADDITION; THENCE ON A CURVE TO THE LEFT HAVING A RADIUS OF 60.0 FEET AND A CENTRAL ANGLE OF 60 DEGREES 00 MINUTES A DISTANCE OF 62.83 FEET TO PLACE OF BEGINNING, ALSO ON THAT PART OF OUTLOT “B” OF SAID VISTA VIEW 1ST ADDITION DESCRIBED AS FOLLOWS:

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DESCRIBED AS FOLLOWS: COMMENCING AT THE NORTHEAST CORNER OF SAID OUTLOT “B”; THENCE SOUTHEASTERLY ALONG THE EASTERLY LINE OF SAID OUTLOT A DI S T A N C E O F 5 7 . 7 7 F E E T ; THENCE IN A SOUTH AND WESTERLY DIRECTION ALONG THE SOUTH LINE OF SAID OUTLOT ALSO BEING THE NORTHERLY LINE OF SAID VACATED DUPONT AVE. SO., A DISTANCE OF 137.01 FEET TO THE NORTHEASTERLY CORNER OF LOT 1, BLOCK 3 OF SAID VISTA VIEW 1st ADDITION; THENCE IS A NORTHWESTERLY DIRECTION IN A STRAIGHT LINE TO A POINT ON THE NORTHERLY LINE OF SAID OUTLOT “B” DISTANT 120.0 FEET WESTERLY FROM THE NORTHEAST CORNER OF SAID OUTLOT; THENCE NORTHEASTERLY ALONG THE NORTHERLY LINE OF SAID OUTLOT “B” A DISTANCE OF 120.0 FEET TO THE PLACE OF BEGINNING. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $141,750.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $129,599.39 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 12, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 12, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: October 30, 2009.

Provident Funding Associates, L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-1462 3511110034 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974883 11/12-12/17/09

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 2 , 2007 MORTGAGORS: Linda S. Swanson, a single person and Nicole Beuthien and Martin Beuthien, wife and husband.

MORTGAGEE: Tradition Mortgage.

DATE AND PLACE OF RECORDING: Recorded February 13, 2007, Dakota County Recorder, Document No. 2496330.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: January 22, 2007, Recorded: March 20, 2007, Document No. 2503897.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Tradition Mortgage RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 13230 Galena Way, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-73125-060-01 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 1, Summerfield Town-

Lot 6, Block 1, Summerfield Town homes, CIC No. 317.

Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $260,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $271,858.98 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: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 2, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2659 2004075332 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974642 11/12-12/17/09

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 12, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $136,083.00 MORTGAGOR(S): Eric J Freeberg and Andrea R. Freeberg, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: January 23, 2007 Dakota County Recorder, Document Number: 2490738 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, L.P., Dated: November 06, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100315900000037787 Lender or Broker: River City Mortgage & Financial, LLC Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 14745 Endicott Way, Apple Valley, MN 55124-6340 Tax Parcel ID Number: 01-81456-340-01 LEGAL DESCRIPTION OF PROPERTY: Lot 34, Block 1, Valley Way Village 7th Addition, according to the recorded plat thereof AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $142,096.15 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within

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 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 12, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010044F01 1974529 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE:April 25, 2008 MORTGAGORS:T a m a r a J . W i n d s chitl and Chad A. Windschitl, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded May 19, 2008, Dakota County Recorder, Document No. 2590979.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: October 20, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100073000823549035 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Freedom Mortgage Coporation RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 7678 172nd Street West, Lakeville, MN 55044 TAX PARCEL I.D.#: 22-67504-060-03 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 3, Shady Oak Shores 5th Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $258,838.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $262,757.67 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 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER

CIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 3, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7320 1962557869 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1975160 11/12-12/17/09

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, 2005 MORTGAGORS: Mark A. Spanitz and Leslie A. Spanitz, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded August 22, 2005, Dakota County Recorder, Document No. 2352997.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: November 11, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100245400023623791 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Union Federal Bank of Indianapolis RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 6291 162nd Street, Rosemount, MN 55068 TAX PARCEL I.D.#: 22-21177-100-17 LEGAL DESCRIPTION OF PROPERTY: Lot 10, Block 17, Donnay's Valley Park 8th Addition, filed in Plat Doc # 1994378 Recorded 2/14/2003 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $184,362.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $189,961.06 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 13, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7445 1961024034 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1990294 11/26-12/31/09

������ ������ ������� �������� ��I O���� LEGAL DESCRIPT N OF

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 02, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $197,600.00 MORTGAGOR(S): Victor Hugo Arteaga, single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: August 22, 2006 Dakota County Recorder, Document Number: 2455445 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100122200002725320 Lender or Broker: BNC Mortgage, Inc. Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 648 1st Ave S, South Saint Paul, MN 55075-2804 Tax Parcel ID Number: 36-75100-180-14 LEGAL DESCRIPTION OF PROPERTY: Lot 18, Block 14, Tarbox Addition to South St. Paul, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $211,239.68 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 14, 2010, or the next business day if July 14, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 26, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 003399F02 1991462 11/26-12/31/09

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: $208,000.00 MORTGAGOR(S): Joseph P. Restifo, a married man MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 10, 2006 Dakota County Recorder, Document Number: 2467155 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100177050500024005 Lender or Broker: Cornerstone Mortgage Company Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 13385 Fordham Ave, Apple Valley, MN 55124-7948 Tax Parcel ID Number: 01-31001-170-10 LEGAL DESCRIPTION OF PROP-

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PROP ERTY: Lot 17, Block 10, Greenleaf Second Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $229,089.54 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: January 05, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 05, 2010, or the next business day if July 05, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 12, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009797F01 1974464 11/12-12/17/09

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 8, 2007 MORTGAGORS: Fredrick Palkar and Mary Palkar, husband and wife.

MORTGAGEE: J P M o r g a n C h a s e Bank, N.A. as successor in interest to Washington Mutual Bank, FA. DATE AND PLACE OF RECORDING: Recorded November 26, 2007, Dakota County Recorder, Document No. 2557627.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Washington Mutual Bank, FA RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 14433 Atwater Way, Rosemount, MN 55068 TAX PARCEL I.D.#: 34-14704-170-01 LEGAL DESCRIPTION OF PROPERTY: Lot 17, Block 1, Bloomfield 5th Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $335,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $356,731.82 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: January 20, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e ,

���������� �� ���� �����

��� �������� �� ���� ������tion ������ or the property is not 580.30 ������� redeemed under section 580.23 is ���������� ���� ��������� PLACE OF SALE: S h e r i f f s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 20, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 4, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-1560 3014894426 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974810 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 2 3 , 2007 MORTGAGORS: M a r y K a b i i Wangongu and Stephen Mwaura, wife and husband.

MORTGAGEE: J P M o r g a n C h a s e Bank, National Association as successor in interest to Washington Mutual Bank, FA. DATE AND PLACE OF RECORDING: Recorded September 7, 2007, Dakota County Recorder, Document No. 2542657.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Washington Mutual Bank, FA RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 13921 Autumn Court, Rosemount, MN 55068 TAX PARCEL I.D.#: 34-48301-040-01 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 1, Meadows of Bloomfield 2nd Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $376,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $400,810.40 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 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not

11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 2, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2587 3014242170 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974848 11/12-12/17/09

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 9 , 2004 MORTGAGOR: F r i e d a A . S m i t h , a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded April 26, 2004, Dakota County Recorder, Document No. 2198098.

ASSIGNMENTS OF MORTGAGE: Assigned to: The Bank of New York Mellon, as Successor Trustee under NovaStar Mortgage Funding Trust, Series 2004-2, Dated: October 19, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100080190023595069 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: NovaStar Mortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: Saxon Mortgage Services, Inc. MORTGAGED PROPERTY ADDRESS: 1855 Silver Bell Road #314, Eagan, MN 55122 TAX PARCEL I.D.#: 10-22451-165-01 LEGAL DESCRIPTION OF PROPERTY: Unit 314-2A, Garage Unit No. 16, Shannon Glen Condominium, I, Condominium file No. 32, Located on Lot 1, Block 1, Eagan Metro Center 2nd Addition of Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $80,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $78,863.61 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 12, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 12, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL

PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 30, 2009.

The Bank of New York Mellon, as Successor 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 84-584 2000334028 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974730 11/12-12/17/09

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 1, 2007 MORTGAGORS: Justin L. Schreader and Jolene Schreader, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded February 14, 2008, Dakota County Recorder, Document No. 2572207.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: October 27, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100011520048289427 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: CitiMortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 16099 Flagstaff Avenue, Lakeville, MN 55044 TAX PARCEL I.D.#: 22-73400-160-01 LEGAL DESCRIPTION OF PROPERTY: Lot 16, Block 1, Sunrise Village, CIC No. 586.

Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $278,100.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $296,063.16 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 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 30, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2635 2004828942 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974631 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 2 6 , 2006 MORTGAGOR: Robert I. Black, Jr., a married person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded October 31, 2006, Dakota County Recorder, Document No. 2472552.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: October 16, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100021268000674768 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Bankers Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 832 Bailey Street, Hastings, MN 55033 TAX PARCEL I.D.#: 19-13200-060-03 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 3, Henry G. Bailly's Addition to the 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: $195,816.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $213,968.34 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: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 3, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-460 6800067476 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974743 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 2 2 , 2004 MORTGAGORS: Carlos D. Rocha and Fabiola V. Rocha, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded November 23, 2004, Dakota County Recorder, Document No. 2270180.

2270180.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: October 29, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100060677002380376 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Greenacres Mortgage RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 14130 Crocus Way, Rosemount, MN 55068 TAX PARCEL I.D.#: 34-67429-140-02 LEGAL DESCRIPTION OF PROPERTY: Lot 14, Block 2, Shannon Hills 5th Addition.

Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $186,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $117,205.84 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 5, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2679 2002350009 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974666 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 13, 2007 MORTGAGORS: Pernella F. Bull and Charles R. Bull, wife and husband.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded May 1, 2007, Dakota County Recorder, Document No. 2513350.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., as successor trustee to Bank of America, N.A., as successor by merger to LaSalle Bank National Association, as Trustee for Merrill Lynch First Franklin Mortgage Loan Trust, Mortgage Loan Asset-Backed Certificates, Series 2007-3, Dated: December 1, 2007, Recorded: February 20, 2008, Document No. 2572978.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100425240013822678 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Franklin Financial Corp.

RESIDENTIAL MORTGAGE SERVICER: Home Loan Services, Inc. MORTGAGED PROPERTY ADDRESS: 353 4th Avenue South, South Saint Paul, MN 55075 TAX PARCEL I.D.#: 36-64300-140-12

TAX PARCEL I.D.#: 36-64300-140-12 LEGAL DESCRIPTION OF PROPERTY: Lot 14, Block 12, Riverside Park Addition to the City of St. Paul, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $177,650.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $206,534.45 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 9, 2009.

U.S. Bank National Association, Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 76-1886 1044875761 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1975122 11/12-12/17/09

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, 1989 MORTGAGORS: J o h n D . E r b a n d Jean M. Kenny, both single.

MORTGAGEE: I n v e s t o r s S a v i n g s Bank, F.S.B..

DATE AND PLACE OF RECORDING: Recorded January 9, 1990, Dakota County Recorder, Document No. 920500.

ASSIGNMENTS OF MORTGAGE: Assigned to: Fleet Mortgage Corp., Dated: January 3, 1990, Recorded: March 5, 1990, Document No. 928300.

And thereafter assigned to: Mortgage Electronic Registration Systems, Inc., Dated: April 26, 1999, Recorded: November 13, 2000, Document No. 1731166. And thereafter assigned to: BAC Home Loans Servicing L.P. f/k/a Countrywide Home Loans Servicing L.P., Dated: October 7, 2009.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Investors Savings Bank, F.S.B. RESIDENTIAL MORTGAGE SERVICER: BAC Home Loans Servicing L.P. MORTGAGED PROPERTY ADDRESS: 231 East Ash Street, South Saint Paul, MN 55078 TAX PARCEL I.D. #: 364750012003 LEGAL DESCRIPTION OF PROPERTY: Lot 11 except the West 20 feet thereof, and Lot 12 except the East 10 feet thereof, Block 3, Mathew's Addition to South St. Paul, together with that part of the vacated alley adjacent thereto which accrued thereto be reason of the vacation thereof.

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thereof.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $66,016.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $47,308.50 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None Dated: November 4, 2009.

BAC Home Loans Servicing L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-771 9846546 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1973969 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 27, 2003 MORTGAGOR: Charles Macdonald, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded July 10, 2003, Dakota County Recorder, Document No. 2076266.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: November 3, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100162500054077103 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Mortgages Unlimited, Inc. RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 1382-1384 East Balsam Street, Eagan, MN 55123 TAX PARCEL I.D.#: 10-84354-060-01 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 1, Wilderness Run Fifth Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $281,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $269,181.55 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 19, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an

ERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 19, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 4, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6481 1998801994 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1975175 11/12-12/17/09

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 5 , 2007 MORTGAGOR: T h e r e s a J . M c C o r mick, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded April 11, 2007, Dakota County Recorder, Document No. 2508986.

ASSIGNMENTS OF MORTGAGE: Assigned to: JPMorgan Chase Bank, National Association, Dated: April 3, 2009, Recorded: April 28, 2009, Document No. 2652865.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100039222142515843 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Magnus Financial Corporation RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 109 14th Avenue South, South Saint Paul, MN 55075 TAX PARCEL I.D.#: 36-83900-290-01 LEGAL DESCRIPTION OF PROPERTY: Lot 29, Block 1, Wharton and Miller's Addition to South St. Paul COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $145,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $163,606.56 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 19, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 19, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORT-

OTHER THINGS, THAT THE MORT GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 9, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2073 5304406332 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1975285 11/12-12/17/09

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 9 , 2007 MORTGAGORS: R o g e r A . B u l l y a n and Lynn M. Bullyan, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded January 31, 2007, Dakota County Recorder, Document No. 2492824.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: November 5, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100154070001023378 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: American Residential Mortgage, LP RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 2470 Birch Street, Rosemount, MN 55068 TAX PARCEL I.D.#: 34-14502-010-01 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 1, Biscayne Pointe 3rd Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $293,400.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $312,711.59 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 19, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 19, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 9, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7404 1991232675 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1975220 11/12-12/17/09

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 21, 2007 MORTGAGORS: S o u l i D a o h e u a n g and Malalack Daoheuang, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded June 4, 2007, Dakota County Recorder, Document No. 2521549.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, National Association, as successor trustee to Bank of America, N. A. as successor by merger to LaSalle Bank N. A., as Trustee for Merrill Lynch First Franklin Mortgage Loan Trust, Mortgage Loan Asset-Backed Certificates, Series 2007-4, Dated: October 13, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100425240014394289 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Franklin Financial Corporation RESIDENTIAL MORTGAGE SERVICER: Home Loan Services, Inc. MORTGAGED PROPERTY ADDRESS: 1496 Auburn Court, Eagan, MN 55122 TAX PARCEL I.D.#: 10-75950-030-01 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 1, Thomas Lake Heights, according to the plat thereof now on file and of record within and for Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $264,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $274,146.36 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 30, 2009.

U.S. Bank National Association, Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 76-3497 1044886480 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1975112 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 18, 2005 MORTGAGORS: Kaiphet Soukvilay and Manivone Syhalath, both single.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc.

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������ �������� ���� Registration Systems, Inc.������ ������� 4530 Cinnamon Ridge�� Trail, Eagan, MN DATE AND PLACE OF RECORDING: 55122 Recorded June 8, 2005, Dakota TAX PARCEL I.D.#: 10-17400-122-01 LEGAL DESCRIPTION OF PROPCounty Recorder, Document No. ERTY: 2328787.

ASSIGNMENTS OF MORTGAGE: That part of Lot 12, Block 1, CinnaAssigned to: U.S. Bank, N.A., Dated: mon Ridge, City of Eagan, Dakota County, Minnesota lying SouthwestOctober 5, 2009. erly of a line drawn from a point on TRANSACTION AGENT: Mortgage the Southeasterly line of said Lot 12, Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTDistant 58.80 feet southwesterly of the most Easterly corner thereof, to GAGE IDENTIFICATION NUMBER ON a point on the Northwesterly line of MORTGAGE: 100226700000058181 said Lot 12, 58.80 feet SouthwestLENDER OR BROKER AND MORTerly of the most Northerly corner GAGE ORIGINATOR STATED ON thereof, and reserving drainage and MORTGAGE: Citizens State Bank utility easements as shown on the RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage recorded plat thereof.

MORTGAGED PROPERTY ADDRESS: COUNTY IN WHICH PROPERTY IS 13709 Steven Road, Burnsville, MN LOCATED: Dakota 55337 ORIGINAL PRINCIPAL AMOUNT OF TAX PARCEL I.D.#: 02-15401-350-01 MORTGAGE: $137,600.00 AMOUNT DUE AND CLAIMED TO BE LEGAL DESCRIPTION OF PROPDUE AS OF DATE OF NOTICE, INCLUDERTY: Lot 35, Block 1, Burnsville Heights ING TAXES, IF ANY, PAID BY MORTSecond Addition, according to the GAGEE: $147,022.50 That prior to the commencement of recorded plat thereof, Dakota this mortgage foreclosure proceeding County, Minnesota.

COUNTY IN WHICH PROPERTY IS Mortgagee/Assignee of Mortgagee comLOCATED: Dakota plied with all notice requirements as ORIGINAL PRINCIPAL AMOUNT OF required by statute; That no action or MORTGAGE: $203,500.00 proceeding has been instituted at law AMOUNT DUE AND CLAIMED TO BE 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 DUE AS OF DATE OF NOTICE, INCLUD- secured by said mortgage, or any part ING TAXES, IF ANY, PAID BY MORT- thereof; GAGEE: $201,245.26 PURSUANT to the power of sale conThat prior to the commencement of tained in said mortgage, the above this mortgage foreclosure proceeding described property will be sold by the Mortgagee/Assignee of Mortgagee com- Sheriff of said county as follows: plied with all notice requirements as DATE AND TIME OF SALE: January required by statute; That no action or 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , proceeding has been instituted at law 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 Law Enforcement Center, 1580 Hwy secured by said mortgage, or any part 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said thereof; PURSUANT to the power of sale con- Mortgage, and taxes, if any, on said tained in said mortgage, the above premises, and the costs and disbursedescribed property will be sold by 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 Sheriff of said county as follows: allowed by law subject to redemption DATE AND TIME OF SALE: January within six (6) months from the date of 14, 2010 at 10:00 AM said sale by the mortgagor(s), their PLACE OF SALE: S h e r i f f ' s O f f i c e , personal representatives or assigns Law Enforcement Center, 1580 Hwy unless reduced to Five (5) weeks under 55, Lobby #S-100, Hastings, MN MN Stat. §580.07. to pay the debt then secured by said TIME AND DATE TO VACATE PROPMortgage, and taxes, if any, on said E R T Y : I f t h e r e a l e s t a t e i s a n premises, and the costs and disburse- owner-occupied, single-family dwellm 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 ing, unless otherwise provided by law, allowed by law subject to redemption the date on or before which the mortwithin six (6) months from the date of gagor(s) must vacate the property if the said sale by the mortgagor(s), their mortgage is not reinstated under secpersonal representatives or assigns tion 580.30 or the property is not unless reduced to Five (5) weeks under redeemed under section 580.23 is 11:59 p.m. on January 14, 2010.

MN Stat. §580.07.

MORTGAGOR(S) RELEASED FROM TIME AND DATE TO VACATE PROPE R T Y : I f t h e r e a l e s t a t e i s a n FINANCIAL OBLIGATION ON MORTowner-occupied, single-family dwell- GAGE: None "THE TIME ALLOWED BY LAW FOR ing, unless otherwise provided by law, the date on or before which the mort- REDEMPTION BY THE MORTGAGOR, gagor(s) must vacate the property if the THE MORTGAGOR'S PERSONAL REPmortgage is not reinstated under sec- RESENTATIVES OR ASSIGNS, MAY BE tion 580.30 or the property is not REDUCED TO FIVE WEEKS IF A JUDIredeemed under section 580.23 is CIAL ORDER IS ENTERED UNDER 11:59 p.m. on July 14, 2010.

MINNESOTA STATUTES, SECTION MORTGAGOR(S) RELEASED FROM 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G FINANCIAL OBLIGATION ON MORT- OTHER THINGS, THAT THE MORTGAGE: None GAGED PREMISES ARE IMPROVED "THE TIME ALLOWED BY LAW FOR WITH A RESIDENTIAL DWELLING OF MORTGAGOR, THE BY REDEMPTION LESS THAN FIVE UNITS, ARE NOT THE MORTGAGOR'S PERSONAL REP- PROPERTY USED IN AGRICULTURAL RESENTATIVES OR ASSIGNS, MAY BE P R O D U C T I O N , A N D A R E REDUCED TO FIVE WEEKS IF A JUDI- ABANDONED." Dated: October 30, 2009.

CIAL ORDER IS ENTERED UNDER The Bank of New York Mellon, as MINNESOTA STATUTES, SECTION Successor Trustee 582.032, DETERMINING, AMONG Mortgagee/Assignee of Mortgagee OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED USSET, WEINGARDEN AND LIEBO, P.L.L.P. WITH A RESIDENTIAL DWELLING OF By: Paul A. Weingarden LESS THAN FIVE UNITS, ARE NOT Attorneys for Mortgagee/Assignee of PROPERTY USED IN AGRICULTURAL Mortgagee P R O D U C T I O N , A N D A R E 4500 Park Glen Road #300 ABANDONED." Minneapolis, MN 55416 Dated: November 3, 2009.

(952) 925-6888 U.S. Bank, N. A. 84-561 Mortgagee/Assignee of Mortgagee 2000370520 USSET, WEINGARDEN AND LIEBO, P.L.L.P. THIS IS A COMMUNICATION FROM By: Paul A. Weingarden A DEBT COLLECTOR. Attorneys for Mortgagee/Assignee of 1974711 11/12-12/17/09 Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 NOTICE OF MORTGAGE (952) 925-6888 FORECLOSURE SALE 19-445 N O T ICE IS HEREBY GIVEN that 6800012540 default has occurred in the conditions THIS IS A COMMUNICATION FROM of the following described mortgage: A DEBT COLLECTOR. DATE OF MORTGAGE: March 25, 1974762 11/12-12/17/09 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $416,500.00 M O R T G A G O R ( S ) : D a v i d J . W h e tNOTICE OF MORTGAGE stone and Nancy R. Whetstone, husFORECLOSURE SALE THE RIGHT TO VERIFICATION OF band and wife MORTGAGEE: Mortgage Electronic THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE Registration Systems, Inc. TIME PROVIDED BY LAW IS NOT DATE AND PLACE OF RECORDING: Recorded: April 05, 2005 Dakota AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that County Recorder, Document Number: default has occurred in conditions of 2310329 ASSIGNMENTS OF MORTGAGE: And the following described mortgage: DATE OF MORTGAGE: April 24, 2006 assigned to: Bank of New York as MORTGAGORS: Sarah Ackerman and Trustee for the Certificateholders Michael A. Ackerman, wife and hus- CWABS, Inc. Asset-backed Certificates, Series 2005-4, Dated: May 04, 2008, band.

MORTGAGEE: Mortgage Electronic Recorded: May 20, 2008 Dakota County Registration Systems, Inc. Recorder, Document Number: 2591495 DATE AND PLACE OF RECORDING: Transaction Agent: Mortgage ElecR e c o r d e d M a y 2 5 , 2 0 0 6 , D a k o t a tronic Registration Systems, Inc. County Recorder, Document No. Transaction Agent Mortgage Identifi2432539. cation Number: 1000269-0300077537-2 Lender or Broker: Bell America ASSIGNMENTS OF MORTGAGE: Assigned to: The Bank of New York Mortgage, LLC dba Bell Mortgage Mellon, as Successor Trustee under Residential Mortgage Servicer: BAC NovaStar Mortgage Funding Trust, Home Loans Servicing, L.P. Series 2006-2, Dated: August 10, Mortgage Originator: Not Applicable 2009, Recorded: August 19, 2009, COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Document No. 2679275.

Property Address: 16624 Jackdaw TRANSACTION AGENT: Mortgage Path, Lakeville, MN 55044-4637 Electronic Registration Systems, Inc. Tax Parcel ID Number: TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON 22.30950.070.04 LEGAL DESCRIPTION OF PROPMORTGAGE: 100080190056228430 ERTY: Lot 7, Block 4, Greenwood LENDER OR BROKER AND MORTEstates, According to the recorded GAGE ORIGINATOR STATED ON plat thereof, in Dakota County, MinMORTGAGE: NovaStar Mortgage, Inc. nesota.

RESIDENTIAL MORTGAGE SERAMOUNT DUE AND CLAIMED TO BE VICER: Saxon Mortgage Services, Inc. MORTGAGED PROPERTY ADDRESS: 4530 Cinnamon Ridge Trail, Eagan, MN ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� �� ���� ������ ������ PLACE OF ������� SALE: Sheriff s Office, Law Enforcement Center, 1580 Hwy ���������� ���� ��������� AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $509,378.69 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 05, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 05, 2010, or the next business day if July 05, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 12, 2009 ASSIGNEE OF MORTGAGEE: Bank of New York as Trustee for the Certificateholders CWABS, Inc. Asset-backed Certificates, Series 2005-4 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008375F01 1974485 11/12-12/17/09

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 21, 2008 MORTGAGORS: Jeremy J. Johnson and Tinah Jo Johnson, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded May 30, 2008, Dakota County Recorder, Document No. 2593780.

ASSIGNMENTS OF MORTGAGE: Assigned to: BAC Home Loans Servicing L.P. f/k/a Countrywide Home Loans Servicing L.P., Dated: October 5, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100248908040002119 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Rescue Mortgage, Inc. dba Mortgage Depot RESIDENTIAL MORTGAGE SERVICER: BAC Home Loans Servicing L.P. MORTGAGED PROPERTY ADDRESS: 1820 Pine Street, Hastings, MN 55033 TAX PARCEL I.D. #: 196330025500 LEGAL DESCRIPTION OF PROPERTY: Lot 255, Replat of Westwood Addition Fourth Section, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $206,369.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $211,559.83 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: Sheriff's Office,

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 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 2, 2009.

BAC Home Loans Servicing L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-754 184185496 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1973902 11/12-12/17/09

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: July 30, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $467,500.00 MORTGAGOR(S): Anthony Barnes and Andrea Hintz-Barnes, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc as a nominee for Fremont Investment & Loan TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc MIN#: 1001944-5000107229-8 SERVICER: Ocwen Loan Servicing, LLC LENDER: Fremont Investment & Loan.

DATE AND PLACE OF FILING: Dakota County Minnesota, Recorder , on August 27, 2004, as Document No. 2242870 ASSIGNED TO: HSBC Bank USA, N.A., as Trustee for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2004-HE4, Asset Backed Pass-Through Certificates Dated: January 7, 2005 , and recorded April 21, 2009 by Document No. 2651558.

LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 2; Willow Ridge, Dakota County, Minnesota.

PROPERTY ADDRESS: 10408 209th Street West, Lakeville, MN 55044 PROPERTY I.D: 22-84275-010-02 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: Five Hundred Five Thousand Two Hundred Thirty and 74/100 ($505,230.74) 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 January 5, 2010 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 months from the date of sale.

"THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR`S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED."

ABANDONED. Dated: November 19, 2009 HSBC Bank USA, N.A., as Trustee for the registered holders of ACE Securities Corp.

Home Equity Loan Trust, Series 2004-HE4, Asset Backed Pass-Through Certificates Randall S. Miller & Associates, P.C. Attorneys for Assignee of Mortgage/Mortgagee One Financial Plaza, 120 South Sixth Street, Suite 1100 Minneapolis, MN 55402 Phone: 612-573-3677 Our File No. 09MN00110-1 ASAP# 3338641 1977298 11/19-12/24/09

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 5 , 2007 MORTGAGOR: M a r y J . R e i l a n d , a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered April 19, 2007, Dakota County Registrar of Titles, Document No. 609350, Certificate of Title No. 142371 ASSIGNMENTS OF MORTGAGE: Assigned to: Roosevelt Mortgage Acquisition Company, Dated: November 16, 2009 Said Mortgage Being Upon Registered Land TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100077910007363241 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Decision One Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: UBS MORTGAGED PROPERTY ADDRESS: 12924 Hamlet Avenue, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-32401-010-02 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 2, Heritage Hills 2nd Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $448,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $527,137.18 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 28, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 19, 2009.

Roosevelt Mortgage Acquisition Company Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-979 0335680327 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991719 11/26-12/31/09

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 0 , 2007 MORTGAGOR: Nissa A. Sale, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded January 24, 2007, Dakota County Recorder, Document No. 2490991.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc, Dated: November 3, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100020000351496579 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Burnet Home Loans RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 3471 East 67th Street, Inver Grove Heights, MN 55076 TAX PARCEL I.D.#: 20-44350-320-01 LEGAL DESCRIPTION OF PROPERTY: Apartment No. 76, Building No. 19, Condominium File No. 6, Lakebridge Condominium No. 2. Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $118,400.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $118,107.37 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 26, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 26, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 11, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2722 1120044652 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982418 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: December 22, 2003 MORTGAGORS: Eric Petersen and Eryn Petersen, HUSBAND AND WIFE. MORTGAGEE: Abn Amro Mortgage Group, Inc. NKA CitiMortgage, Inc..

DATE AND PLACE OF RECORDING: Registered April 7, 2004, Dakota County Registrar of Titles, Document No. 534059, Certificate of Title No. 131358.

ASSIGNMENTS OF MORTGAGE:

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: Abn Amro Mortgage Group, Inc. NKA CitiMortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 19904 English Street, Farmington, MN 55024 TAX PARCEL I.D.#: 14-82500-010-06 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 6, Vermillion Grove.

Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $304,150.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $275,639.40 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 9, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2696 642482834 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982466 11/19-12/24/09

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 25, 2007 MORTGAGORS: Cindy A. Peters and Randy L. Zellman, both single.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded June 11, 2007, Dakota County Recorder, Document No. 2523282.

ASSIGNMENTS OF MORTGAGE: Assigned to: First Franklin Financial Corporation, Dated: November 13, 2008, Recorded: December 5, 2008, Document No. 2625703.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100425240014527805 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Franklin Financial Corp.

RESIDENTIAL MORTGAGE SERVICER: Home Loan Services, Inc. MORTGAGED PROPERTY ADDRESS: 16950 Gannon Way West, Rosemount, MN 55068 TAX PARCEL I.D.#: 22-16701-100-01 LEGAL DESCRIPTION OF PROPERTY: Lot 10, Block 1, Cedar Highlands Second Addition, Dakota County, Minnesota.

Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $190,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $220,489.65 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 11, 2009.

First Franklin Financial Corporation Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 76-2875 1044890429 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1981392 11/19-12/24/09

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: January 27, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $179,920.00 MORTGAGOR(S): Sonja A. Zangs and Bradley Zangs MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded with the County Recorder in and for the County of Dakota, State of Minnesota, on the 18th day of February, 2005, as Document No. 2297389 ASSIGNMENTS OF MORTGAGE: Assigned to Kondaur Capital Corporation, dated January 12, 2009, recorded May 1, 2009 as Document No. 2654081; further assigned to Second Chance Finance Group, LLC, dated April 8, 2009, recorded May 1, 2009 as Document No. 2654082 LEGAL DESCRIPTION OF PROPERTY: Lot 13, Block 4, East Farmington Seventh Addition, Dakota County, Minnesota PROPERTY ADDRESS: 1113 Hickory Street, Farmington, Minnesota 55024.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $201,837.81 THAT there has been compliance with all pre-foreclosure requirements; 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 pursuant to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of Dakota County as follows: DATE AND TIME OF SALE: January 5, 2010, at 10:00 a.m.

PLACE OF SALE: Dakota County Sheriff's Office, Law Enforcement Center, 1580 Highway 55, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorneys'

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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.

The date on or before which the mortgagor must vacate the property if the mortgage is not reinstated under section 580.30 or the property redeemed under section 580.23: July 6, 2010 at 11:59 p.m.

THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. Dated: November 12, 2009 Second Chance Finance Group, LLC Assignee of Mortgagee HOELSCHER LAW FIRM, PLLC By: Brian G. Hoelscher #0238752 Attorneys for Assignee of Mortgagee 13100 Wayzata Boulevard, Suite 100 Minnetonka, MN 55305 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. FORECLOSURE DATA Minn. Stat. Sec. 580.025 (1) the physical street address, city, and zip code of the mortgaged premises is 1113 Hickory Street, Farmington, Minnesota 55024; (2) the name of the transaction agent, residential mortgage servicer, and the lender or broker, as defined in section 58.02, if the person holding the mortgage is a transaction agent as defined in section 58.02, subdivision 30 are as follows: - not applicable; or the name of the residential mortgage servicer and the lender or broker, as defined in section 58.02, if the person holding the mortgage is not a transaction agent as defined in section 58.02, subdivision 30 are as follows: residential mortgage servicer - BSI Financial Services, Inc., lender or broker - original lender America's Wholesale Lender, present holder Second Chance Finance Group, LLC; (3) the tax parcel identification number of the mortgaged premises is: 14-22506-130-04; (4) if stated on the mortgage, the transaction agent's mortgage identific a t i o n n u m b e r i s : 1000157-0004725305-5; (5) if stated on the mortgage, the name of the residential mortgage originator as defined in section 58.02 is: America's Wholesale Lender.

1979392 11/19-12/24/09P

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: February 25, 2008 MORTGAGORS: Samantha M. Randle and Hilton Randle, wife and husband.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered March 18, 2008, Dakota County Registrar of Titles, Document No. 625279, Certificate of Title No. 133315.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: October 30, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100196800031199263 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Home Loan Center Inc., d/b/a Lendingtree Loans RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 3712 73rd Street East, Inver Grove Heights, MN 55076 TAX PARCEL I.D.#: 20-71151-070-02 LEGAL DESCRIPTION OF PROPERTY: Lot 7, Block 2, South Grove No. 2, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $210,308.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $217,543.10 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 19, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN

55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 19, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 6, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-505 6850059285 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1981775 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: December 22, 2006 MORTGAGORS: J o s e W . J i m e n e z and Sandra A. Jimenez, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered January 16, 2007, Dakota County Registrar of Titles, Document No. 604329, Certificate of Title No. 122651.

ASSIGNMENTS OF MORTGAGE: Assigned to: Deutsche Bank National Trust Company, as Trustee for NovaStar Mortgage Funding Trust, Series 2007-1, Dated: October 30, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100080190062543418 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: NovaStar Mortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: Saxon Mortgage Services, Inc. MORTGAGED PROPERTY ADDRESS: 15792 Highview Drive, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-44202-120-04 LEGAL DESCRIPTION OF PROPERTY: Lot 12, Block 4, Lac Lavon Shores 3rd Addition, according to the recorded plat thereof, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $565,600.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $577,559.13 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the

gagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 6, 2009.

Deutsche Bank National Trust Company, as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 84-587 2000410718 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982525 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 1 3 , 2003 MORTGAGORS: C h r i s t o p h e r R i c e and Sabrina Rice, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded September 19, 2003, Dakota County Recorder, Document No. 2112845.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: December 6, 2007, Recorded: December 20, 2007, Document No. 2562553.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100026600063482504 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Freeland Financial Services Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 912 36th Street, Hastings, MN 55033 TAX PARCEL I.D.#: 19-17500-030-36 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 36, Century South, according to the recorded plat thereof, and situate in Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $213,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $198,954.14 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: January 26, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 26, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL

PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 11, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2720 6348250 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982437 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 18, 2007 MORTGAGORS: P a u l S . V o i g t a n d Lois Idelle Voigt, husband and wife.

MORTGAGEE: J P M o r g a n C h a s e Bank, National Association as successor in interest to Washington Mutual Bank, FA. DATE AND PLACE OF RECORDING: Registered September 20, 2007, Dakota County Registrar of Titles, Document No. 617538, Certificate of Title No. 33688.

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: Washington Mutual Bank, FA RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 13745 Wellington Crest, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-18100-230-04 LEGAL DESCRIPTION OF PROPERTY: Lot Twenty-three (23), Block Four (4), Colonial Hills COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $336,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $338,279.07 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 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 13, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2606 3017359864 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991865 11/26-12/31/09

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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 , 2008 MORTGAGORS: M i c h e l l e M . P a t t y and Diane M. Patty, both single.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded February 1, 2008, Dakota County Recorder, Document No. 2569554.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: October 28, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100021268001135462 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Riverview Community Bank RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 6870 167th Street West, Rosemount, MN 55068 TAX PARCEL I.D.#: 22-21171-020-08 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 8, Donnay's Valley Park 2nd Addition, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $218,250.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $222,516.23 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 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 6, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-495 6800113546 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1981043 11/19-12/24/09

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 23, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $169,600.00 MORTGAGOR(S): Edward A. Timek and Lisa Timek, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: December 21, 2005 Dakota County Registrar of Titles, Document Number: 581479 ASSIGNMENTS OF MORTGAGE: And assigned to: The Bank of New York Mellon fka the Bank of New York as Trustee for the Certificateholders CWALT, Inc. Alternative Loan Trust

2005-81 Mortgage Pass-through Certificates, Series 2005-81, Dated: October 05, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100133700010855164 Lender or Broker: Countrywide Bank, N.A. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 138438 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 305 Pinewood Dr, Apple Valley, MN 55124-9323 Tax Parcel ID Number: 011170201007 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 7, Apple Valley Third Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $193,967.09 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: January 05, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 05, 2010, or the next business day if July 05, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: The Bank of New York Mellon fka the Bank of New York as Trustee for the Certificateholders CWALT, Inc. Alternative Loan Trust 2005-81 Mortgage Pass-through Certificates, Series 2005-81 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 005708F02 1982074 11/19-12/24/09

PUBLIC NOTICE NOTICE OF ASSESSMENT LIEN

FORECLOSURE SALE Date: November 2, 2009 YOU ARE NOTIFIED THAT: 1. Default has occurred in the terms and conditions of the Declaration of Gardenview Place Association (hereinafter the "Association") which was recorded as Document No. 1109609 on March 29, 1993, as amended, in the Office of the Dakota County Recorder, covering the following property: L E G A L D E S C R I P T I O N : Lot 1, Block 1, Gardenview Place Second Addition, Dakota County, Minnesota STREET ADDRESS: 14201 Hibiscus Court, Apple Valley, MN 55124 P A R C E L I D N U M B E R : 01-28951-010-01 2. Pursuant to said Declaration, there is claimed to be due and owing as of November 2, 2009, from Dean E. Hewes, title holder, to the Association, a Minnesota non-profit corporation, the amount of $3,637.50 for unpaid association dues, late fees, attorneys fees and costs, plus any other such amounts that will accrue after November 2, 2009, and other costs of collection and foreclosure which will be added to the amount claimed due and owing at the time of the sale herein.

3. No action is now pending at law or otherwise to recover said debt or any part thereof.

4. That all preforeclosure requirements have been met.

5. The owner has not been released from his financial obligation to pay said amount.

���������� �� ���� �����

��� �������� �� ���� ������said ������ the mortgagor(s), their sale by ������� personal representatives or assigns ���������� ���� ��������� said amount.

6. The Declaration, referenced above provide for a continuing lien against the property. A Notice of Lien evidencing the amount due was recorded on July 15, 2009, as Document No. 2671409 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, 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 13th day of January, 2010, at 10:00 a.m. at public auction to the highest bidder, to pay the amount then due for said assessments, together with the costs of foreclosure, including attorneys fees as allowed by law.

8. T h e t i m e a l l o w e d b y l a w f o r redemption by the unit owner, his 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 July 13, 2010, if the account is not reinstated or the owner does not redeem from the foreclosure sale.

REDEMPTION NOTICE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. 9. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. GARDENVIEW PLACE ASSOCIATION Attorneys for Gardenview Place Association: THOMSEN & NYBECK, P.A. By: Gretchen S. Schellhas (#195595) 3600 American Blvd. West, Suite 400 Bloomington, Minnesota 55431 (952) 835-7000 (Gardenview Place/Hewes/09-7-341D) 1981486 11/19-12/24/09

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 6 , 2006 MORTGAGORS: Jon Hall and Billee Jo Hall, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded May 24, 2006, Dakota County Recorder, Document No. 2432376.

ASSIGNMENTS OF MORTGAGE: Assigned to: Deutsche Bank National Trust Company, as Trustee for First Franklin Mortgage Loan Trust 2006-FF9, Mortgage Pass-Through Certificates, Series 2006-FF9, Dated: April 9, 2009, Recorded: April 30, 2009, Document No. 2653778.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100425240006820440 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Franklin RESIDENTIAL MORTGAGE SERVICER: Home Loan Services, Inc. MORTGAGED PROPERTY ADDRESS: 4667 Blaylock Way, Inver Grove Heights, MN 55076 TAX PARCEL I.D.#: 20-44001-601-07 LEGAL DESCRIPTION OF PROPERTY: Unit Number 2601, Lafayette Park, Common Interest Community No. 370, a Condominium located in Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $172,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $181,088.77 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their

unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 10, 2009.

Deutsche Bank National Trust Company, as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 76-3211 1044656394 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1979832 11/19-12/24/09

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 4, 2004 MORTGAGOR: Heather Ann Peterson, a single woman.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered March 16, 2005, Dakota County Registrar of Titles, Document No. 560959, Certificate of Title No. 129051.

ASSIGNMENTS OF MORTGAGE: Assigned to: Bayview Loan Servicing, LLC, Dated: October 7, 2009 Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100059012560187810 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: nBank, N.A. RESIDENTIAL MORTGAGE SERVICER: Bayview Loan Servicing, LLC MORTGAGED PROPERTY ADDRESS: 4671 Jackstone Point, Eagan, MN 55122 TAX PARCEL I.D.#: 10-63983-020-08 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 8, Ridgecliffe Fourth Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $136,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $140,361.95 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: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDI-

REDUCED TO FIVE WEEKS IF A JUDI CIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 9, 2009.

Bayview Loan Servicing, LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-1443 0000400668 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982628 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN, that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: May 9, 2007.

MORTGAGOR(S): Reno & Associates Development Group, LLC, a Minnesota limited liability company.

MORTGAGEE: American Bank of St. Paul.

DATE AND PLACE OF RECORDING: Filed May 14, 2007, Dakota County Recorder, as Document No. 2517026.

ASSIGNMENT(S) OF MORTGAGE: NA. The land described in said mortgage is not registered land.

MORTGAGE HOLDER (as defined in section 58.02): Transaction Agent: NA. Transaction Agent's Mortgage Identification Number on Mortgage: NA. Lender or Broker: American Bank of St. Paul.

Residential Mortgage Servicer: NA. MORTGAGE ORIGINATOR (as defined in section 58.02): American Bank of St. Paul.

MORTGAGED PROPERTY ADDRESS: 1007 Robert Street South, West St. Paul, Minnesota 55118.

TAX PARCEL I.D. NO.: 42-48100-030-09.

LEGAL DESCRIPTION OF PROPERTY: Lots 1, 2 and 3, Block 9, B. Michel's Addition to West St. Paul, except that part of Lot 1 described as follows: Commencing at the Northeast corner of Lot 1; thence Westerly along the North line of said Lot 1 a distance of 140 feet; thence South along the West line of said Lot 1, a distance of 2.5 feet; thence Southeasterly to a point on the East line of said Lot 1 which point is 20 feet South of the Northeast corner of said Lot 1; thence North 20 feet along said East line of Lot 1 to the point of beginning; together with all equipment including but not limited to: All machinery, vehicles, furniture, fixtures, m a n u f a c t u r i n g e q u i p m e n t , fa r m machinery and equipment, shop equipment, office and record keeping equipment, and parts and tools.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota.

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $1,023,945.00.

AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THIS NOTICE: $691,782.32.

The holder of the mortgage has complied with all conditions precedent to acceleration of the debt secured by the mortgage and foreclosure of the mortgage and all notice and other requirements of applicable statutes. That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof.

PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 a.m.

PLACE OF SALE: Sheriff's main office in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby #S-100, in the City of Hastings, County of Dakota, State of Minnesota. to pay the debt then secured by said mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: none.

"THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N A N D A R E ABANDONED." Dated: November 11, 2009.

AMERICAN BANK OF ST. PAUL, Mortgagee

Mortgagee /s/ Peter B. Tiede PETER B. TIEDE -forAtty. I.D. #245094 MURNANE BRANDT Attorneys for Mortgagee 30 East Seventh Street, Suite 3200 St. Paul, Minnesota 55101 Telephone (651) 227-9411 1011969 1982589 11/19-12/24/09

PUBLIC NOTICE NOTICE OF ASSESSMENT LIEN

FORECLOSURE SALE Date: October 29, 2009 YOU ARE NOTIFIED THAT: 1. Default has occurred in the terms and conditions of the Declaration of Gardenview Place Association (hereinafter the "Association") which was recorded as Document No. 1109609 on March 29, 1993, in the Office of the Dakota County Recorder, covering the following property: L E G A L D E S C R I P T I O N : Lot 2, Block 1, Gardenview Place First Addition, Dakota County, Minnesota STREET ADDRESS: 14306 Hickory Court, Apple Valley, MN 55124 P A R C E L I D N U M B E R : 01-28950-020-01 2. Pursuant to said Declaration, there is claimed to be due and owing as of October 29, 2009, from Diana G. Williams, title holder, to the Association, a Minnesota non-profit corporation, the amount of $10,099.36 for unpaid association dues, late fees, attorneys fees and costs, plus any other such amounts that will accrue after October 29, 2009, and other costs of collection and foreclosure which will be added to the amount claimed due and owing at the time of the sale herein.

3. No action is now pending at law or otherwise to recover said debt or any part thereof.

4. That all preforeclosure requirements have been met.

5. The owner has not been released from her financial obligation to pay said amount.

6. The Declaration, referenced above provides for a continuing lien against the property. An Amended and Superceding Notice of Lien evidencing the amount due was recorded on September 30, 2009, as Document No. 2687540 in the Dakota County Recorder's Office, amending Notice of Lien filed November 10, 2008 as Document No. 2622162.

7. Pursuant to the power of sale contained in the same Declaration and granted by the owner in taking title to the premises subject to said Declaration, said Lien will be foreclosed by the sale of said property by the Sheriff of Dakota County, at the Dakota County Sheriffs Office, Dakota County Law Enforcement Center, 1580 Highway 55 Lobby S-100, Hastings, MN 55033, on the 7th day of January, 2010, at 10:00 a.m. at public auction to the highest bidder, to pay the amount then due for said assessments, together with the costs of foreclosure, including attorneys fees as allowed by law.

8. The time allowed by law for redemption by the unit owner, her personal representatives or assigns is six (6) months from the date of sale. The date and time to vacate the property is 11:59 p.m. on July 7, 2010, if the account is not reinstated or the owner does not redeem from the foreclosure sale.

REDEMPTION NOTICE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. 9. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. GARDENVIEW PLACE ASSOCIATION Attorneys for Gardenview Place Association: THOMSEN & NYBECK, P.A. By: Gretchen S. Schellhas (#195595) 3600 American Blvd. West, Suite 400 Bloomington, Minnesota 55431 (952) 835-7000 (Gardenview Place/Williams/09-7-635D) 1981901 11/19-12/24/09

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, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $236,825.00 MORTGAGOR(S): Jason D. Matthews, unmarried MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: February 02, 2005 Dakota County Registrar of Titles, Document Number: 558124 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association, Dated: October 31, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identifi-

Transaction Agent Mortgage Identifi cation Number: 100021278920259020 Lender or Broker: U.S. Bancorp Advantage, LLC Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 135108 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 19780 Goldfinch Dr, Farmington, MN 55024-2014 Tax Parcel ID Number: 14-82500-073-08 LEGAL DESCRIPTION OF PROPERTY: Unit No. 73, Common Interest Community No. 323, a condominium, Vermillion Grove Condominiums, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $220,661.94 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; 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: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §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 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009906F01 1978468 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 1 4 , 2005 MORTGAGOR: I g o r N . K a r p i c h , a single man.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded July 14, 2005, Dakota County Recorder, Document No. 2340008.

ASSIGNMENTS OF MORTGAGE: Assigned to: Bayview Loan Servicing, LLC, Dated: October 7, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100015901074384983 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: CTX Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: Bayview Loan Servicing, LLC MORTGAGED PROPERTY ADDRESS: 15620 Echo Ridge Road, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-18052-004-31 LEGAL DESCRIPTION OF PROPERTY: Unit No. 1004, CIC Number 484, A Condominium, Legacy Homes at Cobblestone Lake North Shore, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $166,492.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORT-

ING TAXES, IF ANY, PAID BY MORT GAGEE: $175,366.81 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: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 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 9, 2009.

Bayview Loan Servicing, LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-1444 0000400951 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982675 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 2 7 , 2003 MORTGAGORS: Adam C. Steffen and Jamie J. Steffen, both single.

MORTGAGEE: U.S. Bank, N.A. DATE AND PLACE OF RECORDING: Registered September 19, 2003, Dakota County Registrar of Titles, Document No. 514811, Certificate of Title No. 129320.

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, N.A. RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 5205 Hummingbird Lane, Farmington, MN 55024 TAX PARCEL I.D.#: 14-82501-152-08 LEGAL DESCRIPTION OF PROPERTY: Unit No. 152, Common Interest Community No. 323, a condominium, Vermillion Grove Condominiums, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $140,750.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $133,151.37 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 19, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said

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to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 19, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 6, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-499 7890820667 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1981736 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 2 8 , 2003 MORTGAGORS: John E. Hertel and Purisima T. Hertel, husband and wife.

MORTGAGEE: C e n d a n t M o r t g a g e Corporation d/b/a Burnet Home Loans n/k/a PHH Mortgage Corporation.

DATE AND PLACE OF RECORDING: Registered May 2, 2003, Dakota County Registrar of Titles, Document No. 498147, Certificate of Title No. 127906.

ASSIGNMENTS OF MORTGAGE: Assigned to: Mortgage Electronic Registration Systems, Inc, Dated: February 10, 2009, Recorded: April 24, 2009, Document No. T642635. And thereafter assigned to: CitiMortgage, Inc, Dated: October 13, 2009.

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: Cendant Mortgage Corporation d/b/a Burnet Home Loans n/k/a PHH Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 517 Spruce Street, Eagan, MN 55123 TAX PARCEL I.D.#: 10-57650-150-01 LEGAL DESCRIPTION OF PROPERTY: Lot Fifteen, Block One, Pinetree Forest COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $311,200.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $292,632.71 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, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is

redeemed under section 580.23 is 11:59 p.m. on July 20, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 6, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2469 1120082327 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1981715 11/19-12/24/09

PUBLIC NOTICE NOTICE OF ASSESSMENT LIEN

FORECLOSURE SALE Date: October 29, 2009 YOU ARE NOTIFIED THAT: 1. Default has occurred in the terms and conditions of the Declaration of Gardenview Place Association (hereinafter the "Association") which was recorded as Document No. 1109609 on March 29, 1993, in the Office of the Dakota County Recorder, covering the following property: L E G A L D E S C R I P T I O N : Lot 3, Block 1, Gardenview Place First Addition, Dakota County, Minnesota S T R E E T A D D R E S S : 14304 Hickory Court, Apple Valley, MN 55124 P A R C E L I D N U M B E R : 01-28950-030-01 2. Pursuant to said Declaration, there is claimed to be due and owing as of October 29, 2009, from Steven J. Nickelson, title holder, to the Association, a Minnesota non-profit corporation, the amount of $6,039.50 for unpaid association dues, late fees, attorneys fees and costs, plus any other such amounts that will accrue after October 29, 2009, and other costs of collection and foreclosure which will be added to the amount claimed due and owing at the time of the sale herein.

3. No action is now pending at law or otherwise to recover said debt or any part thereof.

4. That all preforeclosure requirements have been met.

5. The owner has not been released from his financial obligation to pay said amount.

6. The Declaration, referenced above provide for a continuing lien against the property. A Notice of Lien evidencing the amount due was recorded on August 12, 2009, as Document No. 2677895 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, 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 12th day of January, 2010, at 10:00 a.m. at public auction to the highest bidder, to pay the amount then due for said assessments, together with the costs of foreclosure, including attorneys fees as allowed by law.

8. T h e t i m e a l l o w e d b y l a w f o r redemption by the unit owner, his 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 July 12, 2010, if the account is not reinstated or the owner does not redeem from the foreclosure sale.

REDEMPTION NOTICE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. 9. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. GARDENVIEW PLACE ASSOCIATION Attorneys for Gardenview Place Association: THOMSEN & NYBECK, P.A. By: Gretchen S. Schellhas (#195595) 3600 American Blvd. West, Suite 400 Bloomington, Minnesota 55431 (952) 835-7000 (Gardenview Place/Nickelson/09-7-634D) 1981346 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: February 27, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $279,000.00 MORTGAGOR(S): Anthony Hoffman, a single man MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: March 22, 2007 Dakota County Recorder, Document Number: 2504250 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100025440003675342 Lender or Broker: Lehman Brothers Bank, FSB Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 5767 191st St W, Farmington, MN 55024-6600 Tax Parcel ID Number: 14-77501-180-01 LEGAL DESCRIPTION OF PROPERTY: Lot 18, Block 1, Troyhill Second Addition, according to the recorded plat thereof, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $296,032.19 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §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 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009980F01 1981706 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 09, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $155,000.00 MORTGAGOR(S): Diem Thi Ha and Hung Van Nguyen, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: August 21, 2007 Dakota County Recorder, Document Number: 2538825 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, L.P., Dated: November 16, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100133700023583845 Lender or Broker: Countrywide Bank, FSB Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4118 Fremont

Property Address: 4118 Fremont Alcove #32, Eagan, MN 55122 Tax Parcel ID Number: 10-17790-032-02 LEGAL DESCRIPTION OF PROPERTY: Unit 32, Common Interest Community No. 125, Cliff Lake Courthomes, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $156,551.25 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale 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 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §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 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010233F01 1981879 11/19-12/24/09

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 27, 2001 MORTGAGOR: Melissa M. Barott, a single person.

MORTGAGEE: TCF Mortgage Corporation.

DATE AND PLACE OF RECORDING: Recorded August 30, 2001, Dakota County Recorder, Document No. 1807862.

ASSIGNMENTS OF MORTGAGE: Assigned to: The Leader Mortgage Company s/b/m to U.S. Bank, N.A., Dated: January 10, 2002, Recorded: January 17, 2002, Document No. 1851783.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: TCF Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 1917 Kathleen Drive West, Saint Paul, MN 55118 TAX PARCEL I.D.#: 42-63450-130-07 LEGAL DESCRIPTION OF PROPERTY: Lot 13, Block 7, A.E. Rehnberg's Southview Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $120,671.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $119,926.30 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no 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

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������ ������ ������� �������� �� ����OF THE described property will be sold by the THE DEBT AND IDENTITY Sheriff of said county as follows: ORIGINAL CREDITOR WITHIN THE DATE AND TIME OF SALE: January T I M E P R O V I D E D B Y L A W I S N O T 21, 2010 at 10:00 AM AFFECTED BY THIS ACTION. PLACE OF SALE: S h e r i f f ' s O f f i c e , THE TIME ALLOWED BY LAW FOR Law Enforcement Center, 1580 Hwy REDEMPTION BY THE MORTGAGOR, 55, Lobby #S-100, Hastings, MN THE MORTGAGOR'S PERSONAL REPto pay the debt then secured by said RESENTATIVES OR ASSIGNS, MAY BE Mortgage, and taxes, if any, on said REDUCED TO FIVE WEEKS IF A JUDIpremises, and the costs and disburse- CIAL ORDER IS ENTERED UNDER 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 MINNESOTA STATUTES, SECTION allowed by law subject to redemption 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G within six (6) months from the date of OTHER THINGS, THAT THE MORTsaid sale by the mortgagor(s), their GAGED PREMISES ARE IMPROVED personal representatives or assigns WITH A RESIDENTIAL DWELLING OF unless reduced to Five (5) weeks under LESS THAN FIVE UNITS, ARE NOT MN Stat. §580.07.

PROPERTY USED IN AGRICULTURAL TIME AND DATE TO VACATE PROP- PRODUCTION, AND ARE ABANDONED. ERTY: If the real estate is an DATED: November 12, 2009 owner-occupied, single-family dwellMORTGAGEE: U.S. Bank ing, unless otherwise provided by law, National Association ND the date on or before which the mort- Wilford & Geske, P.A. gagor(s) must vacate the property if the Attorneys for Mortgagee mortgage is not reinstated under sec- Lawrence A. Wilford tion 580.30 or the property is not James A. Geske redeemed under section 580.23 is 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM (651) 209-3300 FINANCIAL OBLIGATION ON MORT- File Number: 009767F01 1979577 11/19-12/24/09 GAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPNOTICE OF MORTGAGE RESENTATIVES OR ASSIGNS, MAY BE FORECLOSURE SALE REDUCED TO FIVE WEEKS IF A JUDITHE RIGHT TO VERIFICATION OF CIAL ORDER IS ENTERED UNDER THE DEBT AND IDENTITY OF THE MINNESOTA STATUTES, SECTION 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G ORIGINAL CREDITOR WITHIN THE OTHER THINGS, THAT THE MORT- T I M E P R O V I D E D B Y L A W I S N O T GAGED PREMISES ARE IMPROVED AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT default has occurred in conditions of PROPERTY USED IN AGRICULTURAL the following described mortgage: DATE OF MORTGAGE: M a r c h 1 4 , P R O D U C T I O N , A N D A R E 2007 ABANDONED." MORTGAGORS: Thomas Q. Seaberg Dated: November 10, 2009. and Jamie L. Seaberg, husband and U.S. Bank, N. A. wife.

Mortgagee/Assignee of Mortgagee MORTGAGEE: C H A S E B A N K U S A , USSET, WEINGARDEN AND LIEBO, N.A. P.L.L.P. DATE AND PLACE OF RECORDING: By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Recorded March 22, 2007, Dakota C o unty Recorder, Document No. Mortgagee 2504636.

4500 Park Glen Road #300 ASSIGNMENTS OF MORTGAGE: Minneapolis, MN 55416 Assigned to: Chase Home Finance (952) 925-6888 LLC, Dated: June 10, 2009, Recorded: 19-524 June 24, 2009, Document No. 9900135225 2666349.

THIS IS A COMMUNICATION FROM TRANSACTION AGENT: NONE A DEBT COLLECTOR. TRANSACTION AGENT'S MORT1982553 11/19-12/24/09 GAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON NOTICE OF MORTGAGE MORTGAGE: CHASE BANK USA, N.A. FORECLOSURE SALE NOTICE IS HEREBY GIVEN that RESIDENTIAL MORTGAGE SERdefault has occurred in the conditions VICER: Chase Home Finance, LLC of the following described mortgage: MORTGAGED PROPERTY ADDRESS: DATE OF MORTGAGE: January 30, 1156 9th Avenue South, South Saint 2008 Paul, MN 55075 ORIGINAL PRINCIPAL AMOUNT OF TAX PARCEL I.D.#: 36-32350-110-02 MORTGAGE: $225,000.00 LEGAL DESCRIPTION OF PROPMORTGAGOR(S): Javier Contreras ERTY: and Alicia Palacios, husband and wife Lot 11 and the South 12 feet of Lot MORTGAGEE: U.S. Bank National 10, Block 2, Together with 1/2 of the Association ND vacated adjacent alley which accrued DATE AND PLACE OF RECORDING: there to by reason of vacation Recorded: February 15, 2008 Dakota thereof, Helena Addition. Dakota County Recorder, Document Number: County 2572582 COUNTY IN WHICH PROPERTY IS Transaction Agent: Not Applicable LOCATED: Dakota Transaction Agent Mortgage IdentifiORIGINAL PRINCIPAL AMOUNT OF cation Number: Not Applicable MORTGAGE: $206,465.00 Lender or Broker: U.S. Bank National AMOUNT DUE AND CLAIMED TO BE Association ND DUE AS OF DATE OF NOTICE, INCLUDResidential Mortgage Servicer: U.S. ING TAXES, IF ANY, PAID BY MORTBank Consumer Finance GAGEE: $236,606.96 Mortgage Originator: Not Applicable That prior to the commencement of COUNTY IN WHICH PROPERTY IS this mortgage foreclosure proceeding LOCATED: Dakota Mortgagee/Assignee of Mortgagee comProperty Address: 801 Knob Hill Rd, plied with all notice requirements as Burnsville, MN 55337-4345 required by statute; That no action or T a x P a r c e l I D N u m b e r : proceeding has been instituted at law 02-42700-011-00 or otherwise to recover the debt L E G A L D E S C R I P T I O N O F P R O P - secured by said mortgage, or any part ERTY: That part of Outlot 1, Knob thereof; Hill, lying westerly of the westerly PURSUANT to the power of sale conright-of-way of Trunk Highway 35W, tained in said mortgage, the above and lying northerly of a line drawn described property will be sold by the parallel to and 143 feet (measured at Sheriff of said county as follows: right angles) northerly of the south DATE AND TIME OF SALE: January line of said Outlot 1, Dakota County, 28, 2010 at 10:00 AM Minnesota.

PLACE OF SALE: S h e r i f f ' s O f f i c e , AMOUNT DUE AND CLAIMED TO BE Law Enforcement Center, 1580 Hwy D U E A S O F D A T E O F N O T I C E : 55, Lobby #S-100, Hastings, MN $235,037.44 to pay the debt then secured by said THAT all pre-foreclosure require- Mortgage, and taxes, if any, on said ments have been complied with; that premises, and the costs and disburseno action or proceeding has been insti- 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 tuted at law or otherwise to recover the allowed by law subject to redemption debt secured by said mortgage, or any within six (6) months from the date of part thereof; said sale by the mortgagor(s), their PURSUANT to the power of sale con- personal representatives or assigns t a i n e d i n s a i d m o r t g a g e , t h e unless reduced to Five (5) weeks under above-described property will be sold MN Stat. §580.07. by the Sheriff of said county as folTIME AND DATE TO VACATE PROPlows: ERTY: If the real estate is an DATE AND TIME OF SALE: January owner-occupied, single-family dwell07, 2010 at 10:00 AM ing, unless otherwise provided by law, PLACE OF SALE: Dakota County the date on or before which the mortLaw Enforcement Center, 1580 High- gagor(s) must vacate the property if the way 55, Lobby S-100, Hastings, Minne- mortgage is not reinstated under secsota tion 580.30 or the property is not to pay the debt secured by said mort- redeemed under section 580.23 is gage and taxes, if any, on said pre- 11:59 p.m. on July 28, 2010. mises and the costs and disburseMORTGAGOR(S) RELEASED FROM ments, including attorney fees allowed FINANCIAL OBLIGATION ON MORTby law, subject to redemption within GAGE: None "THE TIME ALLOWED BY LAW FOR six (6) months from the date of said sale by the mortgagor(s), their per- REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPsonal representatives or assigns.

If the Mortgage is not reinstated RESENTATIVES OR ASSIGNS, MAY BE under Minn. Stat. §580.30 or the prop- REDUCED TO FIVE WEEKS IF A JUDIerty is not redeemed under Minn. Stat. CIAL ORDER IS ENTERED UNDER §580.23, the Mortgagor must vacate MINNESOTA STATUTES, SECTION the property on or before 11:59 p.m. on 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G July 07, 2010, or the next business day OTHER THINGS, THAT THE MORTif July 07, 2010 falls on a Saturday, GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF Sunday or legal holiday.

Mortgagor(s) released from financial LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL obligation: NONE THIS COMMUNICATION IS FROM P R O D U C T I O N , A N D A R E A DEBT COLLECTOR ATTEMPT- ABANDONED." Dated: November 16, 2009.

ING TO COLLECT A DEBT. ANY Chase Home Finance, LLC INFORMATION OBTAINED WILL BE Mortgagee/Assignee of Mortgagee USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� �� ���� ������ ������ ������� ���������� ���� ��������� Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 75-3661 24299901 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982853 11/19-12/24/09

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 29, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $107,525.00 MORTGAGOR(S): Mindy J. Wilson, a single person and Daniel J. Shoen, a single person MORTGAGEE: Optimum Mortgage Services, Inc. DATE AND PLACE OF REGISTERING: Registered: December 09, 2003 Dakota County Registrar of Titles, Document Number: 0523842 ASSIGNMENTS OF MORTGAGE: And assigned to: TCF Mortgage Corporation, Dated: August 29, 2003, Regist e r e d : D e c e m b e r 0 9 , 2 0 0 3 D a k o ta County Registrar of Titles, Document Number: 0523843 And assigned to: TCF National Bank, Dated: November 18, 2009 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Optimum Mortgage Services, Inc. Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 130175 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 3125 Cory Ln Apt 203, Hastings, MN 55033-3954 Tax Parcel ID Number: 19-73201-203-04 LEGAL DESCRIPTION OF PROPERTY: Unit No. 203, consisting of Residential Unit No. 203 and Garage Unit No. 203, Condominium No. 92, 3125 Sunny Acres Condominium a condominium, located in Dakota County, Minnesota, pursuant to the Declaration of Condominium with attached Condominium plat at Bylaws filed as Document No. 184888 in the Office of the Registrar of Titles in and for Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $103,028.34 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: January 14, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 14, 2010, or the next business day if July 14, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 26, 2009 ASSIGNEE OF MORTGAGEE: TCF National Bank Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009034F01 1988568 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: July 25, 2003 MORTGAGORS: Paul J. Archambeau and Nicole M.D. Archambeau, husband and wife.

MORTGAGEE: ABN AMRO Mortgage Group, Inc nka CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Recorded September 10, 2003, Dakota County Recorder, Document No. 2107084.

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 nka CitiMortgage, Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 1076 South Smith Avenue, West Saint Paul, MN 55118 TAX PARCEL I.D.#: 42-34900-030-00 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Emma E. Icklers Addition to West St. Paul COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $251,650.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $231,205.78 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 6, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2576 636472545 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1981075 11/19-12/24/09

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 a default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 22, 1999 MORTGAGOR(S): Ward Knutson and Elizabeth A. Knutson, husband and wife MORTGAGEE: GE Capital Mortgage Services, Inc. DATE AND PLACE OF RECORDING: Filed December 6, 1999, Dakota County Recorder, Document No. 1657785 ASSIGNMENT(S) OF MORTGAGE: Assigned to First Union National Bank, as Indenture Trustee by an Assign-

as Indenture Trustee by an Assign ment of Mortgage dated April 7, 2000, recorded November 2, 2000, as Document No. 1728625 and subsequently assigned to Bayview Loan Servicing, LLC by an Assignment of Mortgage dated September 9, 2009, recorded September 11, 2009, as Document No. 2683870 The land described in said mortgage is not registered land.

MORTGAGE HOLDER (as defined in section 58.02): Transaction Agent: NA Transaction Agent's Mortgage Identification Number on Mortgage: NA Lender or Broker: Bayview Loan Servicing, LLC. Residential Mortgage Servicer: NA MORTGAGE ORIGINATOR (as defined in section 58.02): GE Capital Mortgage Services, Inc. MORTGAGED PROPERTY ADDRESS: 3829 Bridgewater Drive, Eagan, MN 55123 TAX PARCEL I.D. NO.: 10-75835-080-01 LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 1, The Oaks of Bridgewater 1st Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $248,650.00 AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THIS NOTICE: $218,491.70 The holder of the mortgage has complied with all conditions precedent to acceleration of the debt secured by the mortgage and foreclosure of the mortgage and all notice and other requirements of applicable statutes. That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof.

PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 12, 2010 at 10:00 a.m.

PLACE OF SALE: Dakota County Sheriff's Office, Law Enforcement Center, 1580 Highway 55, Hastings, MN 55033, to pay the debt then secured by said mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 12, 2010, or the next business day if July 12, 2010 falls on a Saturday, Sunday or legal holiday.

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 11, 2009 BAYVIEW LOAN SERVICING, LLC, Assignee /s/ Anna C. Mickelson ANNA C. MICKELSON -forAtty. I.D. #347814 MURNANE BRANDT Attorneys for Assignee 30 East Seventh Street, Suite 3200 St. Paul, Minnesota 55101 Telephone (651) 227-9411 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1979601 11/19-12/24/09

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 22, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $410,000.00 MORTGAGOR(S): Lisa L Fitch and Sean W. Fitch, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: October 04, 2006 Dakota County Registrar of Titles, Document Number: 598854 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100024200014443192 Lender or Broker: American Brokers Conduit Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 138986 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 17326 Galle Ct, Lakeville, MN 55044-4471 Tax Parcel ID Number: 22-18600-060-03 LEGAL DESCRIPTION OF PROPERTY: Lot Six (6), Block Three (3), Crossroads 1st Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $438,434.73 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been insti-

no action or proceeding has been insti tuted 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: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §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 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 M O R T G A G E E : M o r t g ag e E l e c tronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009978F01 1981696 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: March 27, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $208,000.00 MORTGAGOR(S): Anne M Nolet, a single woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: May 08, 2006 Dakota County Recorder, Document Number: 2427063 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, L.P., Dated: November 11, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100013800892406675 Lender or Broker: GreenPoint Mortgage Funding, Inc. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 14085 Dearborn Path, Rosemount, MN 55068-5037 Tax Parcel ID Number: 34-18302-440-02 LEGAL DESCRIPTION OF PROPERTY: Lot 44, Block 2, Country Hills 3rd Addition, according to the duly recorded plat thereof, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $214,221.64 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 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §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 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010237F01 1981844 11/19-12/24/09

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 26, 1993 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $75,293.00 MORTGAGOR(S): Barbara A Pickar, a single woman MORTGAGEE: Directors Mortgage Loan Corporation DATE AND PLACE OF RECORDING: Recorded: October 06, 1993 Dakota County Recorder, Document Number: 1156906 ASSIGNMENTS OF MORTGAGE: And assigned to: Norwest Mortgage, Inc. Dated: August 02, 1996 Recorded: November 25, 1996 Dakota County Recorder, Document Number: 1390160 And assigned to: BAC Home Loans Servicing, L.P., Dated: November 12, 2009 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Directors Mortgage Loan Corporation Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 135 14th Ave S, South Saint Paul, MN 55075-2125 Tax Parcel ID Number: 36-83900-220-01 LEGAL DESCRIPTION OF PROPERTY: Lot 22, Block 1, Wharton and Miller's Addition to the City of South St. Paul, according to the recorded plat thereof on file and of record in the Office of the County Recorder, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $57,949.30 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 05, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 05, 2010, or the next business day if July 05, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL

PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009702F01 1982933 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: May 14, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $127,000.00 MORTGAGOR(S): Jason M. Walgrave and Stephanie Walgrave, Husband and Wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: June 14, 2004 Dakota County Recorder, Document Number: 2214980 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700037123714 Lender or Broker: America's Wholsesale Lender Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 15554 Garnet Way, Apple Valley, MN 55124-5157 Tax Parcel ID Number: 011670000504 LEGAL DESCRIPTION OF PROPERTY: Unit Number 5, Condominium Number 117, Cedar Pointe Carriage Homes Condominium, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $125,120.91 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §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 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 001788F02 1980931 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 2 4 , 2004 MORTGAGOR: Phyllis J. Springfield, unmarried.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc.

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Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded September 3, 2004, Dakota County Recorder, Document No. 2244693.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank National Association, as Trustee for ARMT 2004-1, Dated: October 13, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100058900003392693 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: RBC Mortgage Company RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 5442 Upper 182nd Street, Farmington, MN 55024 TAX PARCEL I.D.#: 14-19500-110-01 LEGAL DESCRIPTION OF PROPERTY: Lot 11, Block 1, Dakota County Estates COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $172,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $176,444.21 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 9, 2009.

U.S. Bank National Association, Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2521 5302953707 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982758 11/19-12/24/09

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 02, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $167,200.00 MORTGAGOR(S): Steven B. Jacobson and Carla M. Jacobson, husband and wife MORTGAGEE: TCF Mortgage Corporation DATE AND PLACE OF RECORDING: Recorded: July 03, 2003 Dakota County Recorder, Document Number: 2074082 ASSIGNMENTS OF MORTGAGE: And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: May 01, 2006, Recorded: May 10, 2006 Dakota County Recorder, Document Number: 2427701 And assigned to: U.S. Bank National Association, Dated: October 15, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001863065 Lender or Broker: TCF Mortgage Corporation Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota

LOCATED: Dakota Property Address: 1003 Stryker Ave, West Saint Paul, MN 55118-1303 Tax Parcel ID Number: 42-14300-100-00 LEGAL DESCRIPTION OF PROPERTY: Lot 10, in Blechinger's Subdivision, according to the recorded plat thereof, and situate in Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $163,874.64 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 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §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 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009517F01 1978753 11/19-12/24/09

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 19, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $151,200.00 MORTGAGOR(S): Steven G. Morgenstern and Kimberly A. Morgenstern, husband and wife MORTGAGEE: Associated Bank Minnesota, N.A. DATE AND PLACE OF RECORDING: Recorded: February 22, 2004 Dakota County Recorder, Document Number: 2187850 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Associated Bank Minnesota, N.A. Residential Mortgage Servicer: Associated Bank - WI Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 284 Annapolis St E, Saint Paul, MN 55118-1601 Tax Parcel ID Number: 42-47700-160-01 LEGAL DESCRIPTION OF PROPERTY: Lots 15 and 16, Block 1, McClung & McMurran's Addition to St. Paul, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $148,358.78 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: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said

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 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 MORTGAGEE: Associated Bank Minnesota, N.A. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009963F01 1979856 11/19-12/24/09

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 13, 2005 MORTGAGOR: Kenneth A. Eaton, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded July 12, 2005, Dakota County Recorder, Document No. 2339216.

ASSIGNMENTS OF MORTGAGE: Assigned to: BAC Home Loans Servicing L.P. f/k/a Countrywide Home Loans Servicing L.P., Dated: September 9, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100139104915437687 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Residential Mortgage Group, Inc. RESIDENTIAL MORTGAGE SERVICER: BAC Home Loans Servicing L.P. MORTGAGED PROPERTY ADDRESS: 5148 Lower 183rd Street West, Farmington, MN 55024 TAX PARCEL I.D. #: 141950503004 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 4, Dakota County Estates Sixth Addition, Dakota County, Minn.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $221,219.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $217,611.07 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 19, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 19, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REP-

THE MORTGAGOR S PERSONAL REP RESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 16, 2009.

BAC Home Loans Servicing L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-681 93924852 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982722 11/19-12/24/09

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 17, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $194,118.00 MORTGAGOR(S): Jason R. Mishica and Allison K. Mishica, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: February 22, 2005 Dakota County Recorder, Document Number: 2297927 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association, Dated: November 13, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100137510000175648 Lender or Broker: Lakeland Mortgage Corporation Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 2605 Brookview Dr, Burnsville, MN 55337-2143 Tax Parcel ID Number: 02-32901-480-01 LEGAL DESCRIPTION OF PROPERTY: Lot 48, Block 1, Highland Forest 2nd Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $187,016.36 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; 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 14, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 14, 2010, or the next business day if July 14, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 26, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009707F01 1988549 11/26-12/31/09

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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: October 27, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $352,250.00 MORTGAGOR(S): Patrick J. Zurick and Marie L. Zurick, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: November 09, 2006 Dakota County Recorder, Document Number: 2474537 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100190830000074136 Lender or Broker: SouthStar Funding, LLC Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 13594 Glasgow Ln, Apple Valley, MN 55124-7630 Tax Parcel ID Number: 01-22451-030-02 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 2, Eagle Ridge Estates 2nd Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $375,215.08 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 14, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 14, 2010, or the next business day if July 14, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 26, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010549F01 1991599 11/26-12/31/09

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: July 27, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $173,096.65 MORTGAGOR(S): Julie M. Stuart, single MORTGAGEE: Mortgage Electronic Registration Systems, Inc as a nominee for Delta Funding Corp TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc MIN#: 100076600000146948 SERVICER: Ocwen Loan Servicing, LLC LENDER: Delta Funding Corp.

DATE AND PLACE OF FILING: Dakota County Minnesota, Recorder , on August 27, 2004, as Document No. 2242691, Corrective Mortgage recorded June 6, 2005 as Document No. 2328293.

ASSIGNED TO: Wells Fargo Bank, N.A., as Trustee for the registered holders of Renaissance Home Equity Loan Asset-Backed Certificates, Series

2004-3 Dated: March 31, 2008 , and recorded April 16, 2008 by Document No. 2584941.

LEGAL DESCRIPTION OF PROPERTY: Lot 30, Block 2, Village Creek 3rd Addition, CIC Number 327, Dakota County, Minnesota. PROPERTY ADDRESS: 20725 Hampshire Circle, Lakeville, MN 55044 PROPERTY I.D: 228205230002 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: One Hundred Thirty-Eight Thousand Five Hundred Nine and 67/100 ($138,509.67) 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 January 5, 2010 PLACE OF SALE: Sheriff`s M a i n Office, Law Enforcement Center, 1580 Highway 55, Hastings MN 55033-2343 to pay the debt then secured by said mortgage and taxes, if any actually paid by the mortgagee, on the premises and the costs and disbursements allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is 6 months from the date of sale.

"THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR`S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 19, 2009 Wells Fargo Bank, N.A., as Trustee for the registered holders of Renaissance Home Equity Loan Asset-Backed Certificates, Series 2004-3 Randall S. Miller & Associates, P.C Attorneys for Assignee of Mortgage/Mortgagee One Financial Plaza, 120 South Sixth Street, Suite 1100 Minneapolis, MN 55402 Phone: 612-573-3677 Our File No. 09MN00106-1 ASAP# 3338751 1977235 11/19-12/24/09

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 24, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $170,400.00 MORTGAGOR(S): Tally J. Peterson fka Tally J. Brader and David J. Peterson, wife and husband MORTGAGEE: Merchants Bank, National Association DATE AND PLACE OF RECORDING: Recorded: May 30, 2003 Dakota County Recorder Document Number: 2054977 ASSIGNMENTS OF MORTGAGE: And assigned to: TCF Mortgage Corporation, Dated: April 24, 2003, Recorded: May 30, 2003 Dakota County Recorder Document Number: 2054978 And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: May 01, 2006, Recorded: May 10, 2006 Dakota County Recorder Document Number: 2427996 And assigned to: U.S. Bank National Association, Dated: November 04, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001859030 Lender or Broker: Merchants Bank, National Association Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 15947 Harmony Way, Apple Valley, MN 55124-7067 Tax Parcel ID Number: 01-45801-370-08 LEGAL DESCRIPTION OF PROPERTY: Lot 37, Block 8, Longridge Second Addition, according to the recorded plat thereof, and situate in Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $159,537.52 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 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disburse-

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��� �������� �� ���� ������FINANCIAL ������OBLIGATION ������� GAGE: None ���������� ���� ��������� mises and the costs and disburse ments, 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 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009857F01 1981625 11/19-12/24/09

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 25, 2003 MORTGAGOR: Cindy Szambelan, a single woman.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded January 7, 2004, Dakota County Recorder, Document No. 2161123.

ASSIGNMENTS OF MORTGAGE: Assigned to: Provident Funding Associates, L.P., Dated: October 28, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100017957131100448 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Provident Funding Associates, L.P. RESIDENTIAL MORTGAGE SERVICER: Provident Funding Associates, L.P. MORTGAGED PROPERTY ADDRESS: 5461 Upper 183rd Street West, Farmington, MN 55024 TAX PARCEL I.D.#: 14-19502-032-04 LEGAL DESCRIPTION OF PROPERTY: Unit No. 32, Sherbourne Deck Homes, A Condominium, Condominium Plat CIC No. 129 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $123,900.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $117,951.42 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 20, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 20, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORT-

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: November 16, 2009.

Provident Funding Associates, L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-1496 5713110044 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991704 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 2 2 , 2005 MORTGAGOR: Pennie Thompson, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded March 28, 2005, Dakota County Recorder, Document No. 2308065.

ASSIGNMENTS OF MORTGAGE: Assigned to: BAC Home Loans Servicing L.P. f/k/a Countrywide Home Loans Servicing L.P., Dated: November 2, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100038900010004658 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Voyager Bank RESIDENTIAL MORTGAGE SERVICER: BAC Home Loans Servicing L.P. MORTGAGED PROPERTY ADDRESS: 4614 Stonecliff Drive, Eagan, MN 55122 TAX PARCEL I.D.#: 10.57661.040.01 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 1, Pinetree Pass 2nd Addition.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $422,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $424,578.24 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: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 13, 2009.

BAC Home Loans Servicing L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P.

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 18-803 91369962 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1986953 11/26-12/31/09

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 1, 2006 MORTGAGORS: Kue Xiong and Kia Vang, husband and wife.

MORTGAGEE: J P M o r g a n C h a s e Bank, National Association as successor in interest to Washington Mutual Bank, FA. DATE AND PLACE OF RECORDING: Recorded December 29, 2006, Dakota County Recorder, Document No. 2484952.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Washington Mutual Bank, FA RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 3120 63rd Street East, Inver Grove Heights, MN 55076 TAX PARCEL I.D.#: 20-19500-010-03 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 3, Dakota Park COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $188,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $193,762.51 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 12, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2608 3011349291 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991921 11/26-12/31/09

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

default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 22, 2005 MORTGAGORS: Vickie L. Starbeck and Robert W. Starbeck, wife and husband.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered December 15, 2005, Dakota County Registrar of Titles, Document No. 581148, Certificate of Title No. 102819.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: November 12, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100014440002927929 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: NetBank RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 24240 Idalia Avenue West, Lakeville, MN 55044 TAX PARCEL I.D.#: 13-24660-040-04 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 4, in Eureka Estates 1st Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $272,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $286,271.61 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 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 16, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7474 1974089451 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1990375 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: January 07, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $201,000.00 MORTGAGOR(S): Martha Alicea and Robert Alicea, Wife and husband MORTGAGEE: Teacher Federal Credit Union DATE AND PLACE OF RECORDING: Recorded: January 31, 2005 Dakota County Recorder Document Number: 2290740 ASSIGNMENTS OF MORTGAGE: And assigned to: CU Members Mortgage Dated: January 07, 2005, Recorded: January 31, 2005 Dakota County Recorder Document Number: 2290741 And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: January 21, 2005, Recorded: June 03, 2005 Dakota County Recorder Document Number: 2327458 Transaction Agent: Mortgage Electronic Registration Systems, Inc.

tronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100029003772041785 Lender or Broker: Teacher Federal Credit Union Residential Mortgage Servicer: Colonial Savings Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 502 7th Ave S, South Saint Paul, MN 55075-2703 Tax Parcel ID Number: 36-75100-300-02 LEGAL DESCRIPTION OF PROPERTY: Lot 30, and the North 1/2 of Lot 29, Block 2, Tarbox Addition to South St. Paul, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $209,543.44 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 14, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 14, 2010, or the next business day if July 14, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 25, 2009 ASSIGNEE OF MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 002048F02 1986362 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 2 7 , 2006 MORTGAGOR: Rebecca K. Raiter, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded December 20, 2006, Dakota County Recorder, Document No. 2483108.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: November 18, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100177050500026331 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Cornerstone Mortgage Company RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 203 Ash Street West, South Saint Paul, MN 55075 TAX PARCEL I.D.#: 36-83300-010-03 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 3, Walter and Arthur Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $179,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $201,527.03 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as

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 2, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 2, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 20, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7503 1914416061 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991971 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: S e p t e m b e r 25, 2006 MORTGAGORS: Adrian D. Vega and Louise G. Vega, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded October 10, 2006, Dakota County Recorder, Document No. 2467192.

ASSIGNMENTS OF MORTGAGE: Assigned to: Deutsche Bank National Trust Company, as Trustee for NovaStar Mortgage Funding Trust, Series 2006-5, Dated: October 30, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100080190060021946 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: NovaStar Mortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: Saxon Mortgage Services, Inc. MORTGAGED PROPERTY ADDRESS: 233 Richmond Street West, South Saint Paul, MN 55075 TAX PARCEL I.D.#: 36-71500-090-44 LEGAL DESCRIPTION OF PROPERTY: The West 1/2 of Lot 8 and all of Lot 9, Block 44, Spring Park, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $188,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $195,952.42 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption

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allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 6, 2009.

Deutsche Bank National Trust Company, as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 84-586 2000399058 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1986770 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 2 3 , 2006 MORTGAGORS: S o v a n n H a n g a n d Sengdao Manivanh, wife and husband.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded March 31, 2006, Dakota County Recorder, Document No. 2417058.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc, Dated: October 27, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100013700078337001 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Wachovia Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 18821 Embers Avenue, Farmington, MN 55024 TAX PARCEL I.D.#: 14-58652-190-02 LEGAL DESCRIPTION OF PROPERTY: Lot 19, Block 2, Prairie Creek Third Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $213,600.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $220,097.95 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: January 19, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 19, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR,

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 17, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2630 12302017 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991311 11/26-12/31/09

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 16, 2006 MORTGAGORS: D a r r i n M H a n s o n and Jodi A Hanson, husband and wife.

MORTGAGEE: A M C M o r t g a g e S e r vices, Inc..

DATE AND PLACE OF RECORDING: Registered December 11, 2006, Dakota County Registrar of Titles, Document No. 602413, Certificate of Title No. 113826.

ASSIGNMENTS OF MORTGAGE: Assigned to: US Bank National Association as Trustee, in trust for the registered holders of Citigroup Mortgage Loan Trust 2007-AMC, Asset-Backed pass through certificates, series 2007-AMC2, Dated: November 24, 2006, Recorded: August 11, 2008, Document No. T631740. And thereafter assigned to: Mortgage Electronic Registration Systems, Inc, Dated: August 24, 2009, and by Doc # T640091. And thereafter assigned to CitiMOrtgage, Inc., Dated: August 25, 2009.

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: AMC Mortgage Services, Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 17540 Finesse Trail, Farmington, MN 55024 TAX PARCEL I.D. #: 224162504001 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 1, Kenridge COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $329,067.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $373,156.74 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT

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 13, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2201 9000173303 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991431 11/26-12/31/09

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 2 7 , 2007 MORTGAGOR: G l e n W a c h o w i a k , a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered November 30, 2007, Dakota County Registrar of Titles, Document No. 620744, Certificate of Title No. 143928.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: November 5, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100131022700396025 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: American Mortgage Network, Inc. RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 14355 Eveleth Avenue, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-66701-220-04 LEGAL DESCRIPTION OF PROPERTY: Lot twenty-two (22), Block four (4), in Scottsbriar 2nd Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $212,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $227,235.36 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 27, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 27, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 13, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7410 1980225984 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1990348 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 19, 2004 MORTGAGORS: M i c h a e l E . R e d mond and Leanne G. Zarling-Redmond A/K/A Leanne G. Zarling, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded May 27, 2004, Dakota County Recorder, Document No. 2208599.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: November 9, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100073981126281303 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Bremer Bank, N.A RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 18867 Inca Avenue, Lakeville, MN 55044 TAX PARCEL I.D.#: 22-16950-260-01 LEGAL DESCRIPTION OF PROPERTY: Lot 26, Block 1, Century Ridge, CIC No. 296.

Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $145,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $134,067.80 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 26, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 26, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 16, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2741 2001748820 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991619 11/26-12/31/09

PUBLIC NOTICE NOTICE OF ASSESSMENT LIEN

FORECLOSURE SALE Date: November 10, 2009 YOU ARE NOTIFIED THAT: 1. Default has occurred in the terms and conditions of the Declarations for Diffley Commons 2nd Addition Villas and Garden Homes Homeowners Association (hereinafter the "Association") which was recorded as Document No. 1189722 on January 31, 1994, in the Office of the Dakota County Recorder, as amended, and also, pursuant to Minn. Stat. §515B.3-116, covering the following property: LEGAL DESCRIPTION: Unit No. 105, Condominium File No. 116, Diffley Commons 2nd Addition, Villas and Garden Homes, a condominium, Dakota County, Minnesota S T R E E T A D D R E S S : 1932 Sap-

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������� �������� �� ����INCLUD S T R E E T A������ D D R E S S������ : 1932 Sap DUE AS OF DATE OF NOTICE, phire Point, #105, Eagan, Minnesota ING TAXES, IF ANY, PAID BY MORT55122 GAGEE: $57,955.38 That prior to the commencement of TAX PARCEL ID NUMBER: 10-20451-105-04 this mortgage foreclosure proceeding 2. Pursuant to said Declaration, Mortgagee/Assignee of Mortgagee comthere is claimed to be due and owing plied with all notice requirements as as of November 10, 2009, from John required by statute; That no action or Altstatt and Beverly Altstatt, title hold- proceeding has been instituted at law ers, to the Association, a Minnesota 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 non-profit corporation, the amount of secured by said mortgage, or any part $2,527.98 for unpaid association thereof; PURSUANT to the power of sale condues, late fees, attorneys fees and costs, plus any other such amounts tained in said mortgage, the above that will accrue after November 10, described property will be sold by the 2009, and other costs of collection and Sheriff of said county as follows: DATE AND TIME OF SALE: January foreclosure which will be added to the amount claimed due and owing at the 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , time of the sale herein.

3. No action is now pending at law or Law Enforcement Center, 1580 Hwy otherwise to recover said debt or any 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said part thereof.

4. That all preforeclosure require- Mortgage, and taxes, if any, on said premises, and the costs and disbursements have been met.

5 . T h e o w n e r s h a v e n o t b e e n ments, including attorneys' fees released from their financial obliga- allowed by law subject to redemption within six (6) months from the date of tion to pay said amount.

6. The Declaration, referenced above, said sale by the mortgagor(s), their and Minn. Stat. §§515B.3-115 and personal representatives or assigns 515B.3-116 provide for a continuing unless reduced to Five (5) weeks under lien against the property. A Notice of MN Stat. §580.07.

TIME AND DATE TO VACATE PROPLien evidencing the amount due was recorded on October 2, 2009, as E R T Y : I f t h e r e a l e s t a t e i s a n Document No. 2688131 in the Dakota owner-occupied, single-family dwelling, unless otherwise provided by law, County Recorder's Office.

7. Pursuant to the power of sale con- the date on or before which the morttained in the same Declaration and gagor(s) must vacate the property if the granted by the owners in taking title to mortgage is not reinstated under secthe premises subject to said Declara- tion 580.30 or the property is not t i o n a n d p u r s u a n t t o M i n n . S t a t . redeemed under section 580.23 is §§515B.3-115 and 515B.3-116, said 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM Lien will be foreclosed by the sale of said property by the Sheriff of Dakota FINANCIAL OBLIGATION ON MORTCounty, at the Dakota County Sheriff's GAGE: None "THE TIME ALLOWED BY LAW FOR Office, Dakota County Law Enforcement Center, 1580 Highway 55 Lobby REDEMPTION BY THE MORTGAGOR, S-100, Hastings, MN 55033, on the THE MORTGAGOR'S PERSONAL REP1 9 t h d a y o f J a n u a r y , 2 0 1 0 , a t RESENTATIVES OR ASSIGNS, MAY BE 10:00 a.m. at public auction to the REDUCED TO FIVE WEEKS IF A JUDIhighest bidder, to pay the amount then CIAL ORDER IS ENTERED UNDER due for said assessments, together MINNESOTA STATUTES, SECTION with the costs of foreclosure, includ- 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G OTHER THINGS, THAT THE MORTing 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 GAGED PREMISES ARE IMPROVED redemption by the unit owners, their WITH A RESIDENTIAL DWELLING OF personal representatives or assigns is LESS THAN FIVE UNITS, ARE NOT six (6) months from the date of sale. PROPERTY USED IN AGRICULTURAL The date and time to vacate the prop- P R O D U C T I O N , A N D A R E erty is 11:59 p.m. on July 19, 2010, if ABANDONED." Dated: November 17, 2009. the account is not reinstated or the CitiMortgage, Inc. owners do not redeem from the foreMortgagee/Assignee of Mortgagee closure sale.

USSET, WEINGARDEN AND LIEBO, REDEMPTION NOTICE T H E T I M E A L L O W E D B Y L A W P.L.L.P. FOR REDEMPTION BY THE MORT- By: Paul A. Weingarden G A G O R S , T H E M O R T G A G O R S ' Attorneys for Mortgagee/Assignee of PERSONAL REPRESENTATIVES OR Mortgagee ASSIGNS, MAY BE REDUCED TO 4500 Park Glen Road #300 F I V E W E E K S I F A J U D I C I A L Minneapolis, MN 55416 ORDER IS ENTERED UNDER MIN- (952) 925-6888 N E S O T A S T A T U T E S , S E C T I O N 10-2646 582.032, DETERMINING, AMONG 401714127 O T H E R T H I N G S , T H A T T H E THIS IS A COMMUNICATION FROM M O R T G A G E D P R E M I S E S A R E A DEBT COLLECTOR. 11/26-12/31/09 IMPROVED WITH A RESIDENTIAL 1991339 DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, NOTICE OF MORTGAGE AND ARE ABANDONED. FORECLOSURE SALE 9. THIS IS A COMMUNICATION FROM NOTICE IS HEREBY GIVEN that A DEBT COLLECTOR ATTEMPTING TO default has occurred in the conditions COLLECT A DEBT. ANY INFORMAof the following described mortgage: TION OBTAINED WILL BE USED FOR DATE OF MORTGAGE: October 04, THAT PURPOSE. 2005 DIFFLEY COMMONS 2ND ORIGINAL PRINCIPAL AMOUNT OF ADDITION VILLAS AND GARMORTGAGE: $240,300.00 DEN HOMES HOMEOWNER'S MORTGAGOR(S): Varouna ChanASSOCIATION thalakeo and Phousy T. Chanthalakeo, Attorneys for Diffley Commons 2nd husband and wife Addition Villas and Garden Homes MORTGAGEE: Mortgage Electronic Homeowner's Association: Registration Systems, Inc. THOMSEN NYBECK DATE AND PLACE OF RECORDING: By: Gretchen S. Schellhas (#195595) Recorded: October 19, 2005 Dakota 3600 American Blvd. West, Suite 400 County Recorder, Document Number: Bloomington, Minnesota 55431 2372197 (952) 835-7000 ASSIGNMENTS OF MORTGAGE: And (Diffley Commons - Altstatt/08-7-674D) assigned to: BAC Home Loans Servic1990227 11/26-12/31/09 ing, LP, Dated: November 16, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage IdentifiNOTICE OF MORTGAGE cation Number: 100015700056764067 FORECLOSURE SALE Lender or Broker: Countrywide THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE Home Loans, Inc Residential Mortgage Servicer: BAC ORIGINAL CREDITOR WITHIN THE T I M E P R O V I D E D B Y L A W I S N O T Home Loans Servicing, L.P. Mortgage Originator: Not Applicable AFFECTED BY THIS ACTION. COUNTY IN WHICH PROPERTY IS NOTICE IS HEREBY GIVEN, that default has occurred in conditions of LOCATED: Dakota Property Address: 876 Sudberry Ln, the following described mortgage: Eagan, MN 55123-1938 DATE OF MORTGAGE: May 24, 2002 Tax Parcel ID Number: MORTGAGOR: Fatu Awoji, a single 106760016002 person.

LEGAL DESCRIPTION OF PROPMORTGAGEE: Mortgage Electronic ERTY: Lot 16, Block 2, Sheffield Registration Systems, Inc. AMOUNT DUE AND CLAIMED TO BE DATE AND PLACE OF RECORDING: Recorded June 19, 2002, Dakota D U E A S O F D A T E O F N O T I C E : C o u n t y R e c o r d e r , D o c u m e n t N o . $246,606.70 THAT all pre-foreclosure require1907596.

A S S I G N M E N T S O F M O R T G A G E : ments have been complied with; that Assigned to: CitiMortgage, Inc, Dated: no action or proceeding has been instituted at law or otherwise to recover the October 28, 2009.

TRANSACTION AGENT: Mortgage debt secured by said mortgage, or any part thereof; Electronic Registration Systems, Inc. PURSUANT to the power of sale conTRANSACTION AGENT'S MORTt ained in said mortgage, the GAGE IDENTIFICATION NUMBER ON above-described property will be sold MORTGAGE: 100013900740746833 LENDER OR BROKER AND MORT- by the Sheriff of said county as folG A G E O R I G I N A T O R S T A T E D O N lows: DATE AND TIME OF SALE: January MORTGAGE: Irwin Mortgage Corpora07, 2010 at 10:00 AM tion PLACE OF SALE: Dakota County RESIDENTIAL MORTGAGE SERLaw Enforcement Center, 1580 HighVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: way 55, Lobby S-100, Hastings, Minne12984 Nicollet Avenue South #302, sota to pay the debt secured by said mortBurnsville, MN 55337 TAX PARCEL I.D.#: 02-01300-678-16 gage and taxes, if any, on said preL E G A L D E S C R I P T I O N O F P R O P - mises and the costs and disbursements, including attorney fees allowed ERTY: Apartment No. 302, 12984 Nicollet by law, subject to redemption within Ave So., Apartment Ownership No. six (6) months from the date of said sale by the mortgagor(s), their per15, Ridgeview Condominium Homes COUNTY IN WHICH PROPERTY IS sonal representatives or assigns.

If the Mortgage is not reinstated LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat.

MORTGAGE: $67,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUD- ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� �� ���� ������ ������ ������� MORTGAGORS: Mindy Nguyen and Minh Tu Duong, wife and husband. ���������� ���� ��������� erty is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, LP Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010172F01 1986434 11/26-12/31/09

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 101, 12922 Nicollet Avenue South, Condominium Ownership No. 15, Ridgeview Condominium Homes according to the plat thereof on file or of record in the Office of the County Recorder in and for Dakota County, Minnesota.

P R O P E R T Y A D D R E S S : 12922 Nicollet Avenue South Unit 101, Burnsville MN 55337.

THAT, pursuant to said Declaration, there is claimed to be due and owing as of the date of this Notice by Lisbeth B. McKenzie, as Unit owner, to Ridgeview Homeowners Association, the principal amount of Five Thousand Nine Hundred Ninety One and 50/100 ($5,991.50) 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 April 30, 2009, and recorded June 5, 2009, as Document No. 2662286 in the office of the County Recorder in and for Dakota County, Minnesota.

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: January 13, 2010, at 10:00 A.M. PLACE OF SALE: 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 11:59pm on July 13, 2010.

Dated: November 18, 2009 By /s/ David J. Raymond, #221818 Attorney for Ridgeview Homeowners Association 5838 Blackshire Path Inver Grove Heights, MN 55076 651-455-3100 File # 1441129 THIS COMMUNICATION IS FROM A DEBT COLLECTOR. 1988582 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: S e p t e m b e r 23, 2005 MORTGAGORS: Mindy Nguyen and

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded November 7, 2005, Dakota County Recorder, Document No. 2378745.

ASSIGNMENTS OF MORTGAGE: Assigned to: Provident Funding Associates, L.P., Dated: October 28, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100017935150900153 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Provident Funding Associates, L.P. RESIDENTIAL MORTGAGE SERVICER: Provident Funding Associates, L.P. MORTGAGED PROPERTY ADDRESS: 4590 Cinnamon Ridge Trail, Eagan, MN 55122 TAX PARCEL I.D.#: 10-17400-021-01 LEGAL DESCRIPTION OF PROPERTY: That part of Lot 2, Block 1, Cinnamon Ridge, City of Eagan, lying Southerly of a line drawn from a point on the Easterly line of said Lot 2, distant 52.79 feet North at the Southeast corner thereof to a point on the Westerly line of said Lot 2, distant 45.5 feet North of the Southwest corner thereof.

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: $144,734.84 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 20, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 20, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 16, 2009.

Provident Funding Associates, L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-1498 3515090015 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991652 11/26-12/31/09

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: $528,000.00 MORTGAGOR(S): Michelle J Simonsen and Thomas L Simonsen, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: November 28, 2006 Dakota County Recorder, Document Number: 2477968 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100232301120042015 Lender or Broker: Centennial Mortgage and Funding, Inc. Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 18375 Ipava Ave, Lakeville, MN 55044-7783 Tax Parcel ID Number: 22-01800-010-08 LEGAL DESCRIPTION OF PROPERTY: That part of the East Half of the East Half of the Northeast Quarter of Section 18, Township 114, Range 20, Dakota County, Minnesota, described as follows: Beginning at the intersection of the South line of the North 1959.50 feet of the Northeast Quarter of said Section 18 with the West line of the East Half of the East Half of the Northeast Quarter of said Section 18; thence Easterly along the South line of the said North 1959.50 feet of the Northeast Quarter a distance of 655.45 feet to the East line of the said Northeast Quarter; thence Northerly along the East line of the said Northeast Quarter a distance of 8.50 feet; thence Westerly on a straight line to a point in the West line of the said East Half of the East Half of the Northeast Quarter, distant 20.00 feet Northerly of the point of beginning; thence Southerly along the West line of the said East Half of the East Half of the Northeast Quarter a distance of 20.00 feet to the point of beginning.

Excepting therefrom that part lying Easterly of the center line of the town road (Ipava Avenue) as traveled AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $424,726.86 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 14, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn.

Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 14, 2010, or the next business day if July 14, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 26, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010424F01 1991559 11/26-12/31/09

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 7 , 2006 MORTGAGORS: Bradley G. Bramstedt and Kotchakon Bramstedt, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded February 7, 2006, Dakota County Recorder, Document No. 2403988.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: August 13, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100031209787206430 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Provincial Bank RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS:

MORTGAGED PROPERTY ADDRESS: 14363 Hickory Way, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-28950-340-01 LEGAL DESCRIPTION OF PROPERTY: Lot 34, Block 1, Gardenview Place First Addition, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $145,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $148,456.16 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: October 15, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on April 15, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: August 17, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6426 1846375199 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 November 19, 2009 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: October 20, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6426 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 7, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: November 19, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6426 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1987924 12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: F e b r u a r y 9 ,

DATE OF MORTGAGE: F e b r u a r y 9 , 2006 MORTGAGORS: Matthew J. Khoury and Tosha L. Khoury, HUSBAND AND WIFE. MORTGAGEE: ADVISOR'S Mortgage, LLC. DATE AND PLACE OF RECORDING: Recorded February 22, 2006, Dakota County Recorder, Document No. 2407733.

ASSIGNMENTS OF MORTGAGE: Assigned to: ABN Amro Mortgage Group, Inc. NKA CitiMortgage, Inc., Dated: February 9, 2006, Recorded: February 22, 2006, Document No. 2407734.

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: 15586 Dwellers Way, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-18052-802-20 LEGAL DESCRIPTION OF PROPERTY: Unit No. 802, CIC No. 397, Bayside, a Condominium.

Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $292,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $300,552.99 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 24, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 24, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 28, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2333 652027640 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 23, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: November 25, 2009.

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 10-2333 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1993995 12/3/09

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 19, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $246,137.00

MORTGAGE: $246,137.00 MORTGAGOR(S): Keith E Hicks, and Kimberly R. Hicks, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 26, 2007 Dakota County Recorder, Document Number: 2552951 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, L.P., Dated: August 14, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700085218861 Lender or Broker: Countrywide Home Loans, Inc. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 16536 Franchise Ave W, Rosemount, MN 55068-1957 Tax Parcel ID Number: 22-21171-040-03 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 3, Donnay's Valley Park 2nd Addition, according to the map or plat thereof on file or of record in the Office of the County Recorder in and for Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $254,270.80 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 22, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn.

Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 22, 2010, or the next business day if April 22, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 03, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007749F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 22, 2009 at 10:00 AM has been postponed to December 03, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: October 22, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007749F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 03, 2009 at 10:00 AM has been postponed to January 14, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 03, 2009 ASSIGNEE OF MORTGAGEE:

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ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007749F01 1988367 12/3/09

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 20, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $293,000.00 MORTGAGOR(S): Juan P. Macias and Rosina Macais MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: August 15, 2007 Dakota County Recorder, Document Number: 2537503 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 10013370002343850 Lender or Broker: COuntrywide Bank, FSB Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1040 Wedgewood Ln S, Eagan, MN 55123-1936 Tax Parcel ID Number: 108355005003 LEGAL DESCRIPTION OF PROPERTY: Lot 5, Block 3, Wedgwood First Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $296,539.47 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: July 23, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: June 04, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 004767F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for July 23, 2009 at 10:00 AM has been Postponed to September 10, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: July 23, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 004767F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for September 10, 2009 at 10:00 AM has been postponed to October 22, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: September 10, 2009 MORTGAGEE: M o r t g a g e E l e c -

MORTGAGEE: Mortgage Elec tronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 004767F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 22, 2009 at 10:00 AM has been postponed to December 03, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: October 22, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 004767F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 03, 2009 at 10:00 AM has been postponed to January 06, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 03, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 004767F01 1997182 12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: July 25, 2003 MORTGAGORS: Jeffrey C. Zimmerman and Deborah S. Zimmerman, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded September 12, 2003, Dakota County Recorder, Document No. 2108894.

ASSIGNMENTS OF MORTGAGE: Assigned to: BAC Home Loans Servicing, L.P. f/k/a COUNTRYWIDE HOME LOANS SERVICING, L.P., Dated: April 15, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100061903204000607 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Summit Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: BAC Home Loans Servicing L.P. MORTGAGED PROPERTY ADDRESS: 1513 Pinetree Pass, Eagan, MN 55122 TAX PARCEL I.D. #: 105766503001 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 1, Pinetree Pass 6th Addition.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $482,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $465,841.45 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: July 7, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND

AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: May 11, 2009.

BAC Home Loans Servicing L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-441 34907721 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 25, 2009 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: July 7, 2009.

BAC Home Loans Servicing L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-441 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until October 13, 2009 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: August 25, 2009.

BAC Home Loans Servicing L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-441 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 November 17, 2009 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: October 12, 2009.

BAC Home Loans Servicing L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-441 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 12, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: November 25, 2009.

BAC Home Loans Servicing L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-441 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1994858 12/3/09

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 07, 1993 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $106,650.00 MORTGAGOR(S): Stanley D. Troyer and Sally J. Troyer, husband and wife MORTGAGEE: Knutson Mortgage Corporation DATE AND PLACE OF RECORDING: Recorded: December 30, 1993 Dakota County Recorder, Document Number: 1180056 ASSIGNMENTS OF MORTGAGE: And assigned to: Capitol Federal Savings and Loan Association, Dated: March 02, 1995, Recorded: March 10, 1995 Dakota County Recorder, Document Number: 1268630 And assigned to: Countrywide Home Loans, Inc., Dated: July 26, 2006, Recorded: May 02, 2007 Dakota County Recorder, Document Number: 2513649 And assigned to: BAC Home Loans Servicing, L.P. fka Countrywide Home Loans Servicing, L.P., Dated: April 27, 2009 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Knutson Mortgage Corporation

gage Corporation Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 7576 Banning Way, Inver Grove Heights, MN 55077-5845 Tax Parcel ID Number: 20.36400.010.03 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 3, Inver Grove Estates.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $100,237.18 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: June 25, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: May 07, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. fka Countrywide Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 003099F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for June 25, 2009 at 10:00 AM has been Postponed to August 13, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: June 25, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. fka Countrywide Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 003099F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for August 13, 2009 at 10:00 AM has been postponed to September 24, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: August 13, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. fka Countrywide Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 003099F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for September 24, 2009 at 10:00 AM has been postponed to October 29, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: September 24, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. fka Countrywide Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 003099F01

���

������ ������ ������� ��FIVE ���� File Number: 003099F01 MAY BE �������� REDUCED TO WEEKS IF A JUDICIAL ORDER IS ENTERED NOTICE OF POSTPONEMENT OF UNDER MINNESOTA STATUTES, MORTGAGE FORECLOSURE SALE The above referenced sale scheduled SECTION 582.032, DETERMINING, for October 29, 2009 at 10:00 AM has AMONG OTHER THINGS, THAT THE been postponed to December 03, 2009 M O R T G A G E D P R E M I S E S A R E at 10:00 AM in the Dakota County Law I M P R O V E D W I T H A R E S I D E N T I A L Enforcement Center, 1580 Highway 55, D W E L L I N G O F L E S S T H A N F I V E Lobby S-100, Hastings, Minnesota in UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND said County and State.

ARE ABANDONED." DATED: October 29, 2009 Dated: September 30, 2009.

ASSIGNEE OF MORTGAGEE: U.S. Bank National Association, BAC Home Loans Servicing, L.P. Trustee fka Countrywide Home Loans Servicing, L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Wilford & Geske, P.A. By: Paul A. Weingarden Attorneys for Assignee Of Mortgagee: Attorneys for Mortgagee/Assignee of Lawrence A. Wilford Mortgagee James A. Geske 4500 Park Glen Road #300 8425 Seasons Parkway, Suite 105 Minneapolis, MN 55416 Woodbury, MN 55125-4393 (651) 209-3300 (952) 925-6888 18-688 File Number: 003099F01 45905776 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE THIS IS A COMMUNICATION FROM The above referenced sale scheduled A DEBT COLLECTOR. for December 03, 2009 at 10:00 AM has NOTICE OF POSTPONEMENT OF been postponed to January 14, 2010 at MORTGAGE FORECLOSURE SALE Pursuant to the provisions of 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, M i n n e s o t a S t a t u t e s 5 8 0 . 0 7 , t h e Lobby S-100, Hastings, Minnesota in f o r e g o i n g f o r e c l o s u r e s a l e i s postponed until January 6, 2010 at said County and State.

DATED: December 03, 2009 10:00 am at the Sheriff's Office, Law ASSIGNEE OF MORTGAGEE: Enforcement Center, 1580 Hwy 55, BAC Home Loans Servicing, L.P. Lobby #S-100, Hastings, MN, in said fka Countrywide Home Loans county and state.

Dated: November 25, 2009.

Servicing, L.P. U.S. Bank National Association, Wilford & Geske, P.A. Trustee Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, James A. Geske 8425 Seasons Parkway, Suite 105 P.L.L.P. Woodbury, MN 55125-4393 By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of (651) 209-3300 File Number: 003099F01 Mortgagee 1997776 12/3/09 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-688 NOTICE OF MORTGAGE THIS IS A COMMUNICATION FROM FORECLOSURE SALE A DEBT COLLECTOR. THE RIGHT TO VERIFICATION OF 1994872 12/3/09 THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE OF MORTGAGE NOTICE IS HEREBY GIVEN, that FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in conditions of default has occurred in the conditions the following described mortgage: DATE OF MORTGAGE: November 12, of the following described mortgage: DATE OF MORTGAGE: November 09, 2003 MORTGAGOR: A n t h o n y T h o o f t , a 2005 ORIGINAL PRINCIPAL AMOUNT OF single person.

MORTGAGEE: Mortgage Electronic MORTGAGE: $360,000.00 MORTGAGOR(S): Larry D. KlemetRegistration Systems, Inc..

DATE AND PLACE OF RECORDING: son and Luann M. Klemetson, husRecorded January 8, 2004, Dakota band and wife as joint tenants MORTGAGEE: Mortgage Electronic County Recorder, Document No. Registration Systems, Inc. 2162061.

DATE AND PLACE OF RECORDING: ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. BANK NATIONAL Recorded: December 06, 2005 Dakota ASSOCIATION, AS TRUSTEE FOR THE County Recorder, Document Number: BENEFIT OF HARBORVIEW 2003-3 2386481 ASSIGNMENTS OF MORTGAGE: And TRUST FUND, Dated: September 9, assigned to: BAC Home Loans Servic2009.

TRANSACTION AGENT: Mortgage ing, LP, Dated: August 24, 2009 Transaction Agent: Mortgage ElecElectronic Registration Systems, Inc. T R A N S A C T I O N A G E N T ' S M O R T - tronic Registration Systems, Inc. Transaction Agent Mortgage IdentifiGAGE IDENTIFICATION NUMBER ON cation Number: 1001337-0001047972-6 MORTGAGE: 100015700031346402 Lender or Broker: Countrywide 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 Bank, N.A. Residential Mortgage Servicer: BAC MORTGAGE: America's Wholesale Home Loans Servicing, L.P. Lender Mortgage Originator: Not Applicable RESIDENTIAL MORTGAGE SERCOUNTY IN WHICH PROPERTY IS VICER: BAC Home Loans Servicing LOCATED: Dakota L.P. Property Address: 11749 Arnold Ave, MORTGAGED PROPERTY ADDRESS: 15819 Cicerone Path, Rosemount, MN Inver Grove Heights, MN 55077-5701 Tax Parcel ID Number: 55068 20.64025.010.03 TAX PARCEL I.D. #: 343025122002 LEGAL DESCRIPTION OF PROPLEGAL DESCRIPTION OF PROPERTY: ERTY: Lot 1, Block 3, Rich Valley Lot 22, Block 2, Geronime Pond 2nd Estates, according to the recorded Addition CIC No. 260, Dakota plat thereof, Dakota County, MinneCounty, Minnesota sota.

COUNTY IN WHICH PROPERTY IS AMOUNT DUE AND CLAIMED TO BE LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF D U E A S O F D A T E O F N O T I C E : $404,181.89 MORTGAGE: $176,175.00 THAT all pre-foreclosure requireAMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUD- ments have been complied with; that ING TAXES, IF ANY, PAID BY MORT- no action or proceeding has been instituted at law or otherwise to recover the GAGEE: $192,313.99 That prior to the commencement of debt secured by said mortgage, or any this mortgage foreclosure proceeding part thereof; PURSUANT to the power of sale conMortgagee/Assignee of Mortgagee complied with all notice requirements as t a i n e d i n s a i d m o r t g a g e , t h e required by statute; That no action or above-described property will be sold proceeding has been instituted at law by the Sheriff of said county as folo 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 lows: DATE AND TIME OF SALE: October secured by said mortgage, or any part 30, 2009 at 10:00 AM thereof; PLACE OF SALE: Dakota County PURSUANT to the power of sale contained in said mortgage, the above Law Enforcement Center, 1580 Highdescribed property will be sold by the way 55, Lobby S-100, Hastings, Minnesota Sheriff of said county as follows: DATE AND TIME OF SALE: Novem- t o p a y t h e d e b t s e c u r e d b y s a i d mortgage and taxes, if any, on said ber 25, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , p r e m i s e s a n d t h e c o s t s a n d Law Enforcement Center, 1580 Hwy disbursements, including attorney fees allowed by law, subject to redemption 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said within six (6) months from the date of Mortgage, and taxes, if any, on said said sale by the mortgagor(s), their premises, and the costs and disburse- personal representatives or assigns. ments, including attorneys' fees If the Mortgage is not reinstated allowed by law subject to redemption u n d e r M i n n . S t a t . § 5 8 0 . 3 0 o r t h e within six (6) months from the date of property is not redeemed under Minn. said sale by the mortgagor(s), their Stat. §580.23, the Mortgagor must personal representatives or assigns vacate the property on or before 11:59 unless reduced to Five (5) weeks under p.m. on April 30, 2010, or the next MN Stat. §580.07. business day if April 30, 2010 falls on T I M E A N D D A T E T O V A C A T E a Saturday, Sunday or legal holiday.

PROPERTY: If the real estate is an Mortgagor(s) released from financial 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 obligation: NONE dwelling, unless otherwise provided by THIS COMMUNICATION IS FROM law, the date on or before which the A DEBT COLLECTOR ATTEMPTING mortgagor(s) must vacate the property T O C O L L E C T A D E B T . A N Y if the mortgage is not reinstated under INFORMATION OBTAINED WILL BE section 580.30 or the property is not USED FOR THAT PURPOSE. redeemed under section 580.23 is THE RIGHT TO VERIFICATION OF 11:59 p.m. on May 25, 2010.

THE DEBT AND IDENTITY OF THE MORTGAGOR(S) RELEASED FROM 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 TIME PROVIDED BY LAW IS NOT MORTGAGE: None AFFECTED BY THIS ACTION. "THE TIME ALLOWED BY LAW FOR THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

42A

December 3, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

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 17, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, LP Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008406F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 30, 2009 at 10:00 AM has been postponed to December 03, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: October 30, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, LP Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008406F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 03, 2009 at 10:00 AM has been postponed to January 07, 2010 at 1:00 PM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 03, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, LP Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008406F01 1996482 12/3/09

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THISWEEK NEWSPAPERS Dakota County Tribune

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, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $106,305.00 MORTGAGOR(S): Julie M. Flack, Single Person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: February 23, 2005, Dakota County Recorder, Document #: 2298172

y Ave S #102 Burnsville, MN 55337 Tax Parcel ID No : 020130049416 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $106,938.44 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 22, 2009, 10:00 A.M. PLACE OF SALE: Dakota County

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y Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, MN to pay the debt 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 6 months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF

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Transaction Agent : Mortgage Electronic Registration Systems, Inc Transaction Agent Mortgage Identification Number: 100200700000432337 Lender or Broker : Paragon Home Lending, LLC Residential Mortgage Servicer : Countrywide Home Loans Mortgage Originator : Not Applicable LEGAL DESCRIPTION OF PROPERTY: Apartment No. 102, 12924 Nicollet Avenue South, Condominium Ownership Number 15, Ridgeview Condominium Homes, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address : 12924 Nicollet

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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 4, 2008 Mortgage Electronic Registration Systems, Inc. Mortgagee Wilford & Geske Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 7650 Currell Boulevard Suite 300 Woodbury, Minnesota 55125 (651)209-3300 File ID: 054975-36948 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for January 22, 2009 at 10:00 a.m. has been postponed to February 19, 2009 at 10:00 a.m. at the Dakota Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, in said County and State.

Dated: January 22, 2009 Mortgage Electronic Registration Systems, Inc. Mortgagee Wilford & Geske, PA Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 7650 Currell Blvd., Suite 300 Woodbury, MN 55125 (651)209-3300 Client ID: 36948 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for February 19, 2009 at 10:00 a.m. has been postponed to March 19, 2009 at 10:00 a.m. at the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, in said County and State.

Dated: February 19, 2009 Mortgage Electronic Registration Systems, Inc. Mortgagee Wilford & Geske, PA Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 7650 Currell Blvd., Suite 300 Woodbury, MN 55125 (651)209-3300 Client ID: 36948 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for March 19, 2009 at 10:00 a.m. has been postponed to April 23, 2009 at 10:00 a.m. at the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, in said County and State.

Dated: March 19, 2009 Mortgage Electronic Registration Systems, Inc. Mortgagee Wilford & Geske, PA Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 7650 Currell Blvd., Suite 300 Woodbury, MN 55125 (651)209-3300 Client ID: 36948 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for April 23, 2009 at 10:00 a.m. has been postponed to June 11, 2009 at 10:00 a.m. at the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, in said County and State.

Dated: April 23, 2009 Mortgage Electronic Registration Systems, Inc. Mortgagee Wilford & Geske, PA Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 7650 Currell Blvd., Suite 300 Woodbury, MN 55125 (651)209-3300 Client ID: 36948 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for June 11, 2009, at 10:00 A.M., has been postponed to July 30, 2009, at 10:00 A.M. at the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, MN, in said County and State.

Dated: June 11, 2009 Mortgage Electronic Registration Systems, Inc. Mortgagee Wilford & Geske, PA Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125 (651)209-3300 Client ID: 36948 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for July 30, 2009 at 10:00 a.m. has been postponed to September 24, 2009 at 10:00 a.m. in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, in the City of

g y y y Hastings in said County and State.

Dated: August 7, 2009 Mortgage Electronic Registration Systems, Inc. Mortgagee Wilford & Geske By: Lawrence A. Wilford/James A. Geske 8425 Seasons Parkway Suite 105 Woodbury, MN 55125 Ph.: 651-209-3300 File ID: 36948 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for September 24, 2009 at 10:00 a.m. has been postponed to November 5, 2009 at 10:00 a.m. at the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, in said County and State.

Dated: September 24, 2009 Mortgage Electronic Registration Systems, Inc. Mortgagee Wilford & Geske, PA Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125 (651)209-3300 Client ID: 36948 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for November 5, 2009 at 10:00 a.m. has been Postponed to December 3, 2009 at 10:00 a.m. in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, in the City of Hastings in said County and State.

Dated: November 10, 2009 Mortgage Electronic Registration Systems, Inc. Mortgagee Wilford & Geske By: Lawrence A. Wilford/James A. Geske 8425 Seasons Parkway Suite 105 Woodbury, MN 55125 Ph.: 651-209-3300 File ID: 36948 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 3, 2009 at 10:00 a.m. has been Postponed to January 14, 2010 at 10:00 a.m. in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, in the City of Hastings in said County and State.

Dated: November 30, 2009 Mortgage Electronic Registration Systems, Inc. Mortgagee Wilford & Geske By: Lawrence A. Wilford/James A. Geske 8425 Seasons Parkway Suite 105 Woodbury, MN 55125 Ph.: 651-209-3300 File ID: 36948 1997556 12/3/09

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 14, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $255,500.00 MORTGAGOR(S): Jay J. Stadler, a single person and Tina M. Morrison, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 05, 2005 Dakota County Recorder, Document Number: 2367339 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100061905256000104 Lender or Broker: Summit Mortgage Corporation Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1356 9th Ave S, South Saint Paul, MN 55075-3309 Tax Parcel ID Number: 36-75300-100-00 LEGAL DESCRIPTION OF PROPERTY: All of Lots Nine (9) and Ten (10), Taurinskas Addition, according to the plat thereof on file or of record in the Office of the County Recorder, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $248,947.14 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; 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: September 10, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

g 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: July 23, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006791F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for September 10, 2009 at 10:00 AM has been postponed to October 22, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: September 10, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006791F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 22, 2009 at 10:00 AM has been postponed to December 03, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: October 22, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006791F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 03, 2009 at 10:00 AM has been postponed to January 14, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 03, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006791F01 199761 12/3/09

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 21, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $320,000.00 MORTGAGOR(S): Ann Sands, unmarried MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: September 25, 2006 Dakota County Registrar of Titles, Document Number: 598315 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, LP, Dated: September 21, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100060677002669000 Lender or Broker: Superior Financing, Inc. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 140977 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 12245 175th St W, Lakeville, MN 55044-9227 Tax Parcel ID Number: 224690109004 224690008004 224690009000 LEGAL DESCRIPTION OF PROPERTY: Lot Eight (8) and the West one quarter (W 1/4) Of Lot Nine (9), Block Four (4), Lyndale Lakes Club 2nd Addition, Dakota County, Minnesota,

y according to the recorded plat thereof on file and of record in the office of the Register Of Deeds, in and for said County.

Lot 8, Block 4, Lyndale Lakes Club 1st Addition, according to the recorded plat thereof on file and of record in the office of the Register Of Deeds, Dakota County, Minnesota.

And That part of Club Beach, Lyndale Lake Club 1st Addition, lying between the East and West line of Lot 8, Block 4 ,Lyndale Lakes Club 1st Addition, extended Northerly to the shore of Orchard Lake, according to the recorded plat thereof on file and of record in the office of the Register Of Deeds, Dakota County, Minnesota.

And That part of Club Beach Lyndale Lakes Club 2nd Addition lying between the West line of the East 3/4 of Lot 9 and the West line of Lot 8, Block 4, Lyn d ale Lakes C lub 2n d A d d it ion extended Northerly to the Shore of Orchard Lake, according to the recorded plat thereof on file and of record in the office of the Register Of Deeds, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $333,776.12 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 12, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn.

Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 12, 2010, or the next business day if May 12, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO ANY COLLECT A DEBT. INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 01, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, LP Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008642F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for November 12, 2009 at 10:00 AM has been postponed to December 03, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: November 12, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, LP Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008642F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 03, 2009 at 10:00 AM has been postponed to January 07, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 03, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, LP Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008642F01 19963247 12/3/09

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY December 3, 2009

43A

Photo submitted

The Minnesota legislative delegation and their guests on the Mount of Olives overlooking the Old City of Jerusalem are, front row from left: Rep. Sandy Masin, Sue Tate, Maureen Felger, Sen. Terri Bonoff, Rep. Tina Liebling, Rep. Phyllis Kahn, Sen. Ann Rest, Patricia Tanji. Back row: Jane Cunningham, Rep. Steve Simon, Mark Liebow, Rep. Frank Hornstein, Matthew Knopf, Rep. Sarah Anderson, Rep. Jeremy Kalin, Hope Frisch Kalin.

Legislative delegation returns from trip to Israel, West Bank A group of 10 Minnesota legislators, including state Rep. Sandra Masin, DFLEagan, took part in an eightday trip to Israel and the West Bank in November.

In addition to visiting sites of religious and historical significance, the Minnesota legislators participated in meetings with local officials. The legislators: â&#x20AC;˘ discussed the current state of peace negotiations between Israel and the Palestinian Authority, including meetings with chief Palestinian negotiator, Saeb Erekat, and an official from the Israeli Foreign Ministry; â&#x20AC;˘ met with the parents of captured Israeli soldier Gilat Shalit, and presented proclamations from the cities of Minneapolis and St. Paul demanding his release from Hamas captivity in Gaza, as well as numerous letters of solidarity from Minnesota residents; â&#x20AC;˘ participated in a ceremony at Israelâ&#x20AC;&#x2122;s Holocaust Memorial Museum, Yad Vashem, honoring Rep. Bernie Lieder for his role in liberating Nazi forced labor camps in World

War II; â&#x20AC;˘ discussed joint Israeli, Palestinian and Jordanian initiatives to address regional water issues; â&#x20AC;˘ toured the West Bank city of Bethlehem and met with Palestinian civic leaders and youth; â&#x20AC;˘ visited three Israeli hightech companies â&#x20AC;&#x201C; Bright Source Energy, Cima Nanotech, and Better Place â&#x20AC;&#x201C; which are conducting research and development of technologies to promote solar energy and electric vehicles (Cima Nanotech is headquartered in St. Paul with its R & D operations in Ceasaria, Israel); â&#x20AC;˘ visited an Israeli preschool for Ethiopian Jewish immigrants, funded in part by donations from the Minneapolis Jewish Federation; â&#x20AC;˘ toured the Golan Heights and received a briefing on security issues along Israelâ&#x20AC;&#x2122;s border with Syria and Lebanon with a retired Israeli general; and â&#x20AC;˘ met with the director of the Geneva Initiative, a nongovernmental organization that has developed a joint Israeli and Palestinian blue-

print for a peace agreement. â&#x20AC;&#x153;This trip was filled with unforgettable moments, and the journey itself has been eye-opening,â&#x20AC;? Masin said. â&#x20AC;&#x153;Experiencing the historical significance of this region first-hand helped me gain insight into the complexity of the current conflict, and the importance of forging a path to peace that will make the region and the world safer and more secure.â&#x20AC;?

Minnesota lawmakers joining Masin on the visit include Rep. Frank Hornstein (DFL-Minneapolis), Sen. Terri Bonhoff (DFL-Minnetonka), Rep. Bernie Lieder (DFL-Crookston), Rep. Tina Liebling (DFL-Rochester), Rep. Steve Simon (DFLSt. Louis Park), Rep. Jeremy Kalin (DFL-North Branch), Rep. Sarah Anderson (RPlymouth), Sen. Ann Rest (DFL-Golden Valley), and Rep. Phyllis Kahn (DFLMinneapolis).

All of the trip participants covered their own expenses, and the delegationâ&#x20AC;&#x2122;s visit was not sponsored by any organization.

Two win inaugural Working with Experience Award Kowalskiâ&#x20AC;&#x2122;s Eagan Market and the city of Apple Valley Parks & Recreation Department are winners of the inaugural Working with Experience Award, presented by Living Longer and Stronger in Dakota County.

The LLS Work and Community Team created the award to honor â&#x20AC;&#x153;Dakota County employers that demonstrate an exemplary workplace free of age bias and welcoming to older workers.â&#x20AC;?

For-profit, not-for-profit, and public sector employers in Dakota County were eligible.

Applicants answered several questions about how

their workplace benefits from contributions by all employees, particularly those 50 and older.

The winning application for Kowalskiâ&#x20AC;&#x2122;s Eagan said: â&#x20AC;&#x153;We all work together for the common good and that includes our vendors, customers, and employees. The older/mature workforce has a remarkable work ethic, which contributes to the common good.â&#x20AC;?

The application for the Apple Valley Parks & Recreation Department said: â&#x20AC;&#x153;On maintenance tasks, we group college age students with our senior age seasonal employees. We encourage (both age groups) to share experience

and skills to develop a team atmosphere. We have long practiced an open forum in the morning meeting that promotes idea sharing.â&#x20AC;?

This inaugural award will be presented Dec. 4 at the Dakota-Scott Workforce Investment Boardâ&#x20AC;&#x2122;s annual legislative and award luncheon, held at the Burnsville Performing Arts Center.

Winners will also be recognized by the Dakota County Board of Commissioners.

For more information about the award or winners, contact Deb Tompkins, (651) 234-2236, or e-mail deborah.tompkins@darts1. org.

44A

December 3, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Buck Hill from Page 1A

wasnâ&#x20AC;&#x2122;t any snow at all. In â&#x20AC;&#x2122;58, we took in $282, but none of that was from the lift.â&#x20AC;?

Skiers reached the top of the hill via a 1,000-foot two rope powered by a Ford engine. Chuck spent many nights in the tow house atop the hill, starting the engine every half hour to ensure it would be running when skiers arrived in the morning.

In 1959, the partners authorized issuance of 100,000 additional shares of common stock with the goal of raising $100,000, including $35,000 for the snowmaking equipment, $20,000 for an addition to the chalet, $20,000 for a Tbar and $5,000 for a SnoCat. The business turned the

Photo by John Gessner

Along with skiing, banquets and snow tubing are part of the Buck Hill business model. corner with the addition of snowmaking in 1960, Nancy said. â&#x20AC;&#x153;It pretty much secured the Christmas break time into March,â&#x20AC;? McClure said. â&#x20AC;&#x153;Some of those years in the â&#x20AC;&#x2122;50s might have been a oneweekend season.â&#x20AC;?

Buck Hill added its first chairlift in 1965, its second in 1968 and a third in 1971.

By the late â&#x20AC;&#x2122;60s, Buck Hill was getting 40,000 skier visits a year, McClure said. â&#x20AC;&#x153;Skiing in the â&#x20AC;&#x2122;60s and â&#x20AC;&#x2122;70s really was the place to be seen,â&#x20AC;? said McClure, a ski nut who joined Buck Hillâ&#x20AC;&#x2122;s junior ski patrol as a teenager in 1975. â&#x20AC;&#x153;It was very stylish.â&#x20AC;?

The company expanded â&#x20AC;&#x153;like crazy,â&#x20AC;? with several additions to the chalet, a new rental shop and two new buildings, McClure said.

There was a nonalcoholic adult lounge called The Hutch, followed by the 1978 addition of a beer and wine establishment, the Bucket Bar. That also marked Buck Hillâ&#x20AC;&#x2122;s entry into the banquet business.

Other nonskiing ventures have included horseback riding, BMX bike racing and the Mountain Coaster, a scenic chairlift ride launched in 1979. â&#x20AC;&#x153;It did take a lot of capital investment,â&#x20AC;? McClure said of the ride, which operated on a monorail. â&#x20AC;&#x153;It was not successful.â&#x20AC;?

The 1980s were tough, with inflation and unemployment, McClure said.

Buck Hill was virtually a â&#x20AC;&#x153;not-for-profit business in the â&#x20AC;&#x2122;80s,â&#x20AC;? and shareholders invested little in capital improvements. â&#x20AC;&#x153;Some really bad snow years in there, too,â&#x20AC;? Nancy added. â&#x20AC;&#x153;Psychologically, the natural snow makes a differenceâ&#x20AC;? to skiers.

Fortunes turned again in the 1990s. â&#x20AC;&#x153;Lakeville exploded,â&#x20AC;?

McClure said. â&#x20AC;&#x153;Our market grew exponentially, and the economy was good. People were spending money. ... If you go to the top of Buck Hill and look out, I call it two incomes, two dogs and two kids for as far as you can see.â&#x20AC;?

In 1998 the company added snow tubing. In 2000 it built the Buckstone Lodge and went into the banquet business full time.

Crystal Lake Golf Course

in Lakeville operates the banquet center. â&#x20AC;&#x153;Weâ&#x20AC;&#x2122;ve been on a tear the last 12 years recapitalizing the business,â&#x20AC;? McClure said. Annual investment in the last decade has totaled $600,000 to $1 million, he said.

Three new ski lifts, two new German-made surface groomers, 20 Swedish-made snowmakers, a compressor for the snowmaking system and a new parking lot are among the improvements, McClure said. The nationâ&#x20AC;&#x2122;s longest Magic Carpet lift was installed in 2008.

Annual ski visits now approach 200,000 a year, he said. â&#x20AC;&#x153;Itâ&#x20AC;&#x2122;s location,â&#x20AC;? McClure said. â&#x20AC;&#x153;There are mountain areas skiing thousands of acres that donâ&#x20AC;&#x2122;t do those kind of numbers.â&#x20AC;?

In 2005 the Burnsville City Council approved rezoning of the northern part of the Buck Hill property for residential use and added a new zoning category, commercial recreation district, to allow expanded uses on the rest of the property.

The rezoning was intended to ensure the longterm viability of the ski hill, which city officials viewed as a valuable recreation

Photo by John Gessner

A sign on Buck Hillâ&#x20AC;&#x2122;s clock tower points the way to destinations on the property. amenity â&#x20AC;&#x201C; particularly after the recent closing of the nearby Orchard Gardens Golf Course.

The company sold 20 acres of a 40-acre parcel it had purchased in 1986 for the Summit at Buck Hill townhome project. Some of the proceeds financed the buyout of a number of early Buck Hill shareholders. Shareholder ranks have fallen from 80 to about 25, with a majority of the stock held by Nancy Stoneâ&#x20AC;&#x2122;s family.

The latest wrinkle at Buck Hill was this fallâ&#x20AC;&#x2122;s debut of Frightmares, a com-

plex of haunted houses that McClure said was a six-figure investment.

As it has many times in Buck Hillâ&#x20AC;&#x2122;s history, weather intervened again â&#x20AC;&#x201C; this time in the form of a cold and rainy October that curtailed outdoor activities. â&#x20AC;&#x153;We got a lot of publicity on that (Frightmares), and the weather was the worst in 130 years,â&#x20AC;? McClure said. â&#x20AC;&#x153;But weâ&#x20AC;&#x2122;re ready to take another rip at it next year. We have a lot of money invested in that.â&#x20AC;?

John Gessner is at john.gessner@ecm-inc.com.

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