09/29/2011 - Dakota County Tribune Business Weekly by Dakota County Tribune

TAD JOHNSON JOHN GESSNER AARON VEHLING

Eagan college named in lawsuit 6A City wants Xcel to pay for road 6A Lakeville mayor alleges deception 7A

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DATE ##, 2009 SEPTEMBER 29, 2011

VOLUME 30, NUMBER # VOLUME 32, NUMBER 31

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Minnesota courtrooms are doing a better job of linking nonEnglish-speaking residents with interpreters. EDWARD 4A LYNCH FORUM

Image from promotional video

The Race for Hunger Mayor’s Cup at Raceway Park in Shakopee had some promotional videos developed to tout the race at the Click Club USA website.

Race for Hunger raises little money for food shelves Large overhead, lack of ticket sales cited as reasons behind losses by Aaron Vehling and Tad Johnson DAKOTA COUNTY TRIBUNE

Local city officials and some media members racing cars against each other sounds like a fun way to raise money for local food shelves. But the Sept. 9 Race for Hunger at Raceway Park in Shakopee drew a small crowd and raised a small fraction of what attendees and participants anticipated. Rosemount Mayor Bill Droste, Apple Valley Council Member John Bergman, Eagan Council Member Meg Tilley, Lakeville Mayor Mark Bellows and Burnsville Council Member Dan Kealey participated in the event, which lost money for organizer, Click Club USA. Dennis Barlau, president of Click Club USA, said that after the $10,000 to rent the race track and about $1,200 to print the tickets, about “$700 is as close as we can come” to donating to food shelves run by 360 Communities, Neighbors Inc. and the Emergency Foodshelf Network. The event sold 788 tickets, Barlau said, and, in a letter to Thisweek, he wrote that “$1.00 of each ticket sold will go to the designated food shelf organizations.” His company lost about

$5,000 on the event, he said. “I would have been much better off handing them a check out of my pocket for $5,000,” Barlau said in an interview. It was not the first time the Race for Hunger was unable to distribute money to food shelves. A June race with Scott County mayors broke even, Barlau said, leaving nothing for the charitable cause. “We booked it on the night of Scott County graduation(s),” he said, “so everyone bought tickets but no one showed up.” Barlau said that when participants signed up for the recent race with Dakota County officials, he told them that if each of the 20 city participants sold 100 tickets the event would raise $10,000 for the food shelves. “Our food shelves are in such bad shape,” he said. “I wanted to do something to help.” Mike Hellendrung, the general manager of Raceway Park, said the $10,000 cost Barlau paid was “for renting (for the event) and bringing out corporate sponsors to drive cars on difImage of promotional poster ferent occasions.” “Corporate sponsors came out a couple days The Race for Hunger Mayor’s Cup listed 360 Communties and the Emergency Foodshelf after the race night and drove cars,” he said. Network as potential beneficiaries of the See Race, Page 7A event.

Businesses that are hiring should recognize that military veterans have experience and possess special skills. DON 4A HEINZMAN CAPITOL COMMERCE

Minnesota Education Commissioner Brenda Casselius approves of No Child Left Behind reforms. BRENDA 8A CASSELIUS CAPITOL COMMERCE

Gov. Mark Dayton says projects like the University Avenue light rail can help put Americans back to work. MARK 9A DAYTON

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September 29, 2011 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

News Roundup Recent news from around Dakota County

Apple Valley

District 196

Farmington

Alleged theft of Freon from AC units linked to drug use

District 196 students outscore state average in reading, math

Mayor Larson reconsiders debt reduction plan

An Apple Valley man is accused of inhaling Freon from his neighbors’ air-conditioning units to get high. Brentyn E. Krueger, 36, was charged with felony theft earlier this month because the Freon he allegedly inhaled cost nearly $1,800 to replace. Apple Valley police were alerted to the problem in November 2010 when a resident in the area of Floral Avenue and 129th Street reported a trespasser. According to the criminal complaint, when officers arrived just after 1 a.m. on Nov. 7 they found Krueger lodged between the AC unit and the house, unresponsive and apparently unconscious. When he came to, Krueger admitted to police he’d been inhaling Freon from the AC. The following evening, police received another report of trespassing in that neighborhood. Krueger was again present when police arrived, and he explained that, this time, after inhaling the Freon he became confused and walked into the neighbor’s house, the complaint said. On Nov. 9, another neighbor reported that her AC unit wasn’t working properly, and that a few weeks earlier she’d found a man lying outside her house who had to be taken away by ambulance. A total of five residents reported loss of Freon from their AC units. “He caused quite a bit of damage,” said Apple Valley police Capt. Michael Marben. “The cost to replace the Freon and repair the units was what put this at a felony level crime.” Krueger was hospitalized on at least two occasions after huffing Freon, according to the complaint. —Andrew Miller

The Rosemount-Apple Valley-Eagan School District once again exceeded the state average on standardized reading and math tests. The percentage of District 196 students who scored as proficient or better on the reading and math portion of the Minnesota Comprehensive Assessments is higher than the statewide average, according to results released on Sept. 14 by the Minnesota Department of Education. The standardized test assesses whether students are proficient in reading, math and science. The science portion is given to students in fifth and eighth grade, and high school, and results were released earlier this month. The reading and math portion of the test is given to students in grades three through eight. Students in 10th grade also take the reading portion of the test, while students in 11th grade take the math portion. The percentage of students in District 196 who scored proficient on the MCAs increased last year for all grades except 10th. Though district 10th-graders did not improve compared to the previous year, students outscored the state average. A new math test was given to students in grades three through eight to measure new, more rigorous state academic standards that were implemented last year. The results of this test will establish a new baseline for student performance on the new academic standards. Again, the percentage of students in the district who scored proficient exceeded the state average. The greatest difference is in 11th grade where — at 64 percent proficiency — District 196 students’ scores were 15 percent higher than the state average. Nearly 16,000 students in the district took the MCAs last spring. —Jessica Harper

Farmington Mayor Todd Larson is reconsidering his full support of the city’s debt reduction plan. Citing citizens’ concerns about multiple property tax increases the plan would create, Larson told Thisweek Newspapers he will propose an alternative that will likely reduce the 2012 preliminary levy by $400,000 and replace it with bonding for the street rehabilitation fund. For months, Larson has sided with City Council members Christy Jo Fogarty and Jason Bartholomay in promoting a city plan that builds a cash account to fund major projects like road work to avoid adding to the city’s $38 million bond debt. To avoid incurring more debt, annual property tax increases are required in all but four years through 2023. Next year, if unchanged, Farmington’s $9.5 million preliminary levy adds $84 onto 2012 tax bills for homestead property with an average value of $190,200. Farmington businesses and rental properties at the same average value would have a $288 increase next year. Since voting for the preliminary levy Sept. 6, Larson said he heard from citizens who have had salaries cut, are struggling financially and oppose an increase. If Larson stays this course, he would provide the vote needed to side with council members Julie May and Terry Donnelly, who have opposed the city’s plan because of its tax increases. Larson didn’t support completely scrapping the plan, but talked about a scaled back version. Council members urged citizens to attend the city’s budget open house meetings which will be held 4 to 6 p.m. Monday, Oct. 10; 5 to 7 p.m. Tuesday, Oct. 25; and 6 to 8 p.m. Monday, Nov. 14. The meetings will take place at Farmington City Hall, 430 Third St. —Laura Adelmann

District 191

Dakota County

Teachers dump Q Comp in 191 Two local men charged With fanfare, Burnsville-Eagan-Savage School District in mortgage scheme 191 embraced Q Comp in 2006. Alice Seagren, then Minnesota’s education commissioner, came to Burnsville to laud the district for being the 25th in Minnesota to sign onto the state’s optional new teacher-pay model. By adopting its own plan under the 2005 Q Comp law, the district also qualified for an extra $2.8 million in aid to pay teachers for meeting personal instructional goals as well as student-achievement goals. But by overwhelming majority vote Sept. 14, teachers union leaders abruptly ended 191’s participation in a program that paid most teachers an extra $2,000 in performance incentives and even higher bonuses to teaching coaches, mentors and evaluators. The Burnsville Education Association’s executive board voted 30-3 against sending a rewritten Q Comp plan to a vote of the full membership, BEA President Libby Duethman said. Since the district’s program, dubbed Pro Pay, requires annual authorization of the BEA and the School Board, either side can quash it. Duethman said the program has been a winner for District 191. But uncertainties surrounding the recently completed rewrite, a looming deadline for state approval and teacher discomfort with a relatively new district management team soured union leaders on a hasty reauthorization. Chris Lindholm, District 191’s assistant superintendent for teaching and learning, said that while Q Comp provided some revenue for teacher development, its disappearance won’t hinder those efforts. It’s unclear whether a district that leaves Q Comp could apply for readmittance. The 2011 Legislature halted new applications and passed legislation that will affect alternative compensation and teacher evaluations, Lindholm said. —John Gessner

Two Dakota County men were indicted for allegedly defrauding mortgage lenders out of more than $14 million. Joseph Steven Meyer, 46, of Eagan, and Garet Clark Wright, 32, of Rosemount, were charged by the U.S. Attorney’s Office Sept. 13 with conspiracy to commit wire fraud, conspiracy to commit money laundering and 22 counts of wire fraud. Meyer was also charged with witness tampering. The indictment alleges that the men conspired to defraud mortgage lenders while marketing the Cloud Nine Sky Flats in Minnetonka between Dec. 1, 2006, and October 2007. Unbeknownst to the lenders, buyers of these units were told they would receive kickbacks of between 25 and 30 percent of the reported purchase price of the unit. These kickbacks were allegedly made to the buyers through an account controlled by a co-conspirator and funded with mortgage loan proceeds, which were illegally wire transferred. More than 40 Cloud Nine units were allegedly sold through this scheme, and more than 80 percent of the mortgage loans have since defaulted. By May 2010, authorities were hot on their trail, and Meyer allegedly attempted to persuade Wright to provide authorities with false information about the scheme. Authorities say an excess of $4.2 million was transferred to accounts for the purpose of paying kickbacks and otherwise sharing the proceeds of the scheme among its participants. Three other individuals have pleaded guilty for their roles in the scheme. If convicted, Meyer and Wright could face up to 20 years in prison on the money laundering conspiracy and wire fraud charges. They also face up to five years of prison if convicted of conspiracy. Meyer faces an additional maximum 20 years in prison if convicted of witness tampering. All sentences will be determined by a federal district court judge. —Jessica Harper

Lakeville Pedal for the Park was Saturday Diane Craig of Lakeville loves biking – with her family or solo. She will bike to the grocery store instead of driving. “I have saddle bags on my bike,” she said. “I’ve always loved biking.” Craig also has encouraged her whole family to bike together. “I don’t think kids get outside enough anymore,” she said. “It’s fun to go outside together and encourage (kids) to go outside.” Marrying that idea with a love for the bike trails and natural environment in Lakeville, Craig and some other organizers held the third annual Pedal for the Parks on Saturday, Sept. 24. The bike ride began at Pioneer Plaza in downtown Lakeville. Craig rode around town to design six, 10 and 20-mile routes for the event. During her summer off from teaching in the St. Paul school district, Craig “rode around Lakeville.” The proliferation of bike trails in Lakeville means the bike routes aren’t always on the streets or highways. “We have a beautiful environment in Lakeville,” Craig said about the different environments participants will encounter Saturday. The even included a bike safety check. A ribbon-cutting to unveiled a new Wayfinding Trail Map Sign System. Following that was the bike ride. There was free food, a drawing for door prizes and information about biking and sustainability. The Farmers Market was tied into the event. Deb Nelson of Lakeville is an organizer for the event. She said as much as the event is about promoting healthy, active lifestyles it is also about raising awareness of the environment. “Things you do locally do make a difference,” Nelson said. But raising awareness of bikers is an added benefit. “There are bikers out there now,” she said. “This still isn’t a common thing to see here.” —Aaron Vehling

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY September 29, 2011

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

Business Briefs

TWIN CITIES NEW HORIZONS CELEBRATES GRAND OPENING

BBB AND FTC SPONSOR DATA SECURITY AND PRIVACY SUMMIT

MACKIN PROVIDES GRANTS TO SCHOOL LIBRARIES

PRIME THERAPEUTICS LAUNCHES CARECENTERED CONTRACTING

The Twin Cities New Horizons Computer Learning Center, an IT training company, will celebrate its grand opening in Eagan with an open house from 11 a.m. to 3:30 p.m. Thursday, Oct. 6. The center is located at 2915 Commers Drive, Suite 500, Eagan. The open house will include breakout learning sessions, tours of the facility, food, drinks, and prizes. To register or for more information, go to www.sovran.com/events/nhtcgrandopening.

The Better Business Bureau of Minnesota and North Dakota and the Federal Trade Commission are taking the lead in educating businesses on important data security issues by sponsoring the Data Security and Privacy Summit from 8 a.m. to noon Thursday, Oct. 6, at the Edinburgh USA Event and Conference Center in Brooklyn Park. This event is open to all Minnesota and North Dakota businesses. The Data Security and Privacy Summit brings together a distinguished line-up of legal and privacy experts, including FTC Midwest Region Assistant Director Todd Kossow, to provide business owners with the most up-to-date information on best practices in regard to data privacy. Pre-registration is required. Ticket prices (full breakfast is included): regular, $99; early bird, $79; BBB accredited businesses and event partners, $59; students, $29. To register for the summit, visit http://minnesota.bbb.org/rsvp/dsps.

Librarians attending the national conference of the American Association of School Librarians to be held Oct. 27-30 in Minneapolis, will have an opportunity to receive $3,000 in grant money provided by Burnsville-based Mackin Educational Resources and Library Media Connection. Attendees can register for the grant at the Mackin exhibit booth, No. 717. Mackin also will present “Finding the Bucks: Alternative and Creative Funding Options for Your Library” at the AASL Conference from 1 to 2:15 p.m. Saturday, Oct. 29. Librarians will learn about various funding options — from grants to a new innovative donation program — as well as ways to save money now using their existing funding. Grant writing tips and a free consultation are included for all participants. More information can be found at mackin.com.

DAKOTA COUNTY REGIONAL CHAMBER NEW MEMBERS

The Lakeville Area Chamber of Commerce will host a city budget presentation from 11:30 a.m. to 1 p.m. Wednesday, Oct. 12, in the chamber conference room. Lunch will be provided. Contact the Chamber office at (952) 469-2020 to make reservations. The location may change depending on the attendance.

Eagan-based Prime Therapeutics, a pharmacy benefit manager, announced a new contracting program called CareCentered Contracting, aimed at ensuring Prime members are taking effective prescription medications that improve their health. Through CareCentered Contracting, pharmaceutical companies agree to either refund the cost of the drug for patients whose medication does not work as expected, such as an osteoporosis patient who suffers a fracture, or cover the cost of treating such an event. The health outcomes and medication adherence of patients are not typically factors in pricing negotiations. CareCentered Contracting includes these components in order to reduce uncertainty about the effectiveness of medications and possible side effects for members and increase accountability between pharmaceutical manufacturers and health plans. The first two drugs with outcomesbased contracts were osteoporosis drug Actonel from Warner Chilcott Company and diabetes drug Januvia from Merck. With the launch of CareCentered Contracting, Prime is negotiating additional contracts in areas where rebate contracting does not currently apply. Prime Therapeutics is a pharmacy benefit management company collectively owned by 12 Blue Cross and Blue Shield plans, subsidiaries or affiliates of those plans.

COMPANIES TO BE RESOURCES FOR THE MORTGAGE INDUSTRY Eagan-based AllRegs and The Prieston Group Inc., Novato, Calif., announced a joint relationship to offer risk assessment resources to the mortgage industry. Together the two companies will build on existing tools, processes and resources to provide realtime corporate level risk assessment tools and benchmarks. Both organizations have agreed to a multi-year commitment. Research and development, technology infrastructure, product development and various other capital resources will be invested by both organizations to create a new suite of risk assessment resources and benchmarks. AllRegs provides guidelines, federal and state compliance, information, forms, content and business intelligence for the mortgage lending industry. The Prieston Group offers insurance covering repurchase losses due to mortgage fraud and material financial inaccuracy. TWIN CITIES GAS PRICES FALL TO AVERAGE OF $3.49 PER GALLON Average retail gasoline prices in the Twin Cities have fallen 13.6 cents per gallon in the past week, averaging $3.49 per gallon on Sept. 25. This compares with the national average that has fallen 7.1 cents per gallon in the last week to $3.53 per gallon, according to gasoline price website TwinCitiesGasPrices.com. Including the change in gas prices in the Twin Cities during the past week, prices on Sept. 25 were 78.4 cents per gallon higher than the same day one year ago and are 31.5 cents per gallon lower than a month ago. The national average has decreased 7.2 cents per gallon during the last month and stands 82.9 cents per gallon higher than this day one year ago.

• Bearence Management Group, 2010 Centre Point Blvd., Mendota Heights, (651) 379-7844, www.bearence.com (insurance). • Engage Health Inc., 852 Basswood Lane, Eagan, (651) 994-0510, www. engagehealth.com (pharmaceutical consulting). • Park Nicollet Health Services, 1885 Plaza Drive, Eagan, (952) 993-4879, www.parknicollet.com/eagan (medical clinic). • Vital Life Chiropractic, LLC, 3470 Washington Drive, Suite 108, Eagan, (651) 757-5096, www.vitallifechiropractic.com (chiropractic). VIDEO GUIDANCE AND SOVRAN FORM STRATEGIC PARTNERSHIP Eagan-based Sovran, Inc., a technology solutions provider that specializes in solving connectivity issues on diverse platforms, has formed a joint partnership with Bloomington-based Video Guidance, a strategic visual communications company. The program helps lower the barrier for value-added resellers looking to penetrate the video conferencing market by helping them succeed in each area of the sales cycle — from product specification to sales and technical training, and from end-user demonstrations to post-sales.

LAKEVILLE CHAMBER TO HOST 2012 CITY BUDGET PRESENTATION

CHAMBERSHACK & BUSINESS AFTER HOURS EXPO SLATED OCT. 6 The 2011 Burnsville Chamber of Commerce Chambershack Golf Tournament and Business After Hours will be held Thursday, Oct. 6, at Crystal Lake Golf Club. Golf tournament fees: individual, $80; foursome, $300. Information: Anne at (952) 898-5642.

RIBBON CUTTING AT ALL OUT INK TATTOO ON SEPT. 30 All Out Ink Tattoo and Body Piercing, a new business in Rosemount located at 15084 Claret Ave., will hold a ribbon cutting ceremony at 4 p.m. Friday, Sept. 30.

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 darcy.odden@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.

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September 29, 2011 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

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

Courts speak the many languages of justice by Edward Lynch SPECIAL TO THE TRIBUNE

When a young man appeared in court recently to respond to a minor traffic violation, I sensed an elevated level of anxiety. He answered “yes” when I asked him if he understood the rights I had explained at the beginning of the hearing, and he answered “yes” when I asked him if he understood the charges he faced. It was when I asked him whether he wanted to plead guilty or not guilty to the charges, and he answered “yes” again, that I realized the reason for the heightened anxiety: He did not understand me. This experience introduces a subject of increasing importance and concern for the courts throughout Minnesota and the nation: How can we provide meaningful access to justice to the growing population that does not understand English or for whom English is a second language? A survey conducted by the U.S. Census Bureau found that from 2006 to 2008 more than 120 languages were spoken in Minnesota and that almost 10 percent of the population in Minnesota did not speak English in their homes. When non-English-speaking people are involved in court proceedings, they have a right to understand what’s going on. Even people who can get by in social settings with their English skills may need assistance when they are involved in more formal court proceedings. (After two years of Spanish classes at a local community college, I may

Guest Columnist Edward Lynch

be comfortable ordering a cerveza at a cantina in Cancun, but would not want to rely on my Spanish in a Mexico City courtroom with my freedom at stake.) In 2010, more than 25,800 hearings in Minnesota courts required interpreters speaking more than 88 languages. During this same period, more than 4,500 hearings in the seven counties of the First Judicial District, which includes Dakota County, required interpreters speaking 48 languages to assist participants; an average of 18 hearings each day require an interpreter. Who provides these services? In years past, the availability of interpreters was uncertain, and the skills of interpreters were mostly unknown. Friends and family members or contacts from cultural, religious or ethnic organizations would frequently serve as interpreters. Hearings often had to be continued until an interpreter could be located, increasing the delay, expense and inconvenience to everyone involved, not just the non-English-speaking participant. The major concern has not been expense or inconvenience, however, but whether the participants understand the proceedings. If the participant is a witness or a victim, un-

derstanding is important; if the participant is a defendant in a criminal matter, understanding is critical. The Minnesota Legislature recognized this when it passed a law that declares it is “the policy of this state that the constitutional rights of persons disabled in communication cannot be fully protected unless qualified interpreters are available to assist them in legal proceedings.” Disputes involving some of the most important matters in peoples’ lives are brought into court for resolution. When a person’s freedom, family, property or safety is at risk, he or she has a right to understand completely and participate fully to obtain a just result. To ensure that non-English-speaking people are provided timely, meaningful access to justice and a fair opportunity to understand and participate in court hearings in Minnesota, the Minnesota Supreme Court created the Court Interpreter Training and Certification Program, developed a Code of Professional Responsibility for Interpreters and established rules that explain the role of interpreters in court. As a result of this effort, more than 1,300 interpreters speaking more than 100 languages are now available to provide services to court participants. More than 750 of these interpreters have passed rigorous examinations and have been certified as interpreters in the 13 most common languages spoken in Minnesota. The courts in Minnesota have come a long way in responding to the needs and rights of non-English-speaking

Business hiring managers need to understand skills of veterans by Don Heinzman DAKOTA COUNTY TRIBUNE

When men and women serve in combat overseas to defend their country, they have a reason to believe they will find a job when they return home. That, unfortunately, is not the case both in the country and in Minnesota. In the country, 13.3 percent of veterans returning from Afghanistan and Iraq cannot find a job. Thirty percent of veterans 18 to 24 years of age are unemployed. Sixteen thousand Minnesota veterans are among the jobless. Jobs for veterans was the reoccurring message during talks at the recent National American Legion Convention in Minneapolis. This was the theme of President Barack Obama’s talk to the veterans at that national convention. The president wants state legislatures to change the licensing qualifications so that military experience counts more in the civilian world. He said his administration already is hiring more returning veterans, which is a good message for all those who hire. Military returnees have the basic skills companies need. They are disciplined and have specialized training. A combat medic has the skills to be an Emergency Medical Technician, but of-

Tribune Columnist Don Heinzman

ten that experience in the military is discounted. A military police officer certainly has the qualifications to become a police officer. A leader of an 11-person squad or bigger-number platoon ought to be prepared to be a supervisor in a company. If only veterans who run companies would hire more veterans, an important step would be taken to solving unemployment of returning veterans. President Obama wants the Congress to pass legislation to give tax credits to businesses that hire veterans – a suggestion that brought applause from the convention delegates. The president also said he wants to see reserve boot camps to help veterans adjust to working in civilian life. In Minnesota the Department of Employment and Economic Development has a special three-day workshop Transition Assistance Program that helps veterans consider their job options, setting goals, making plans and developing job-

seeking skills. Veterans are returning to colleges under the GI bill to become more employable. The president wants to see vocational skills covered under the GI bill. Despite these programs in Minnesota, the percentage of unemployed returning veterans is higher than the Minnesota employment rate. U.S. Rep. Tim Walz of the 1st District, who is a veteran, says that employers don’t understand the special skills a veteran has. At the same time, repeated deployments makes it more difficult for employers to keep hiring back employees. Walz contends that the unemployment of veterans figure is misleading because many of those counted as jobless are going to special schools. Few dispute that returning deployed veterans should be able to find a job as they transition into civilian life. Reducing that number of unemployed veterans is a challenge that must be met by state and national governments and for anyone who hires in the private sector. Don Heinzman is chairman of the ECM Publishers Inc. Editorial Board. Thisweek Newspapers and the Dakota County Tribune are part of ECM. He is at don. heinzman@ecm-inc.com. Columns reflect the opinion of the author.

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people in court proceedings. The cost of providing interpreters for court hearings in Minnesota in 2010 was $1.9 million. The cost of providing these services in the First Judicial District in 2010 was more than $330,000. In an effort to control these costs, counties throughout the state and in the First Judicial District have been developing best practices, sharing resources and entering into contractual relationships with interpreters to provide reliable services at reasonable costs. In Carver County, for example, interpreters for certain languages are provided via interactive TV from Hennepin County. This reduces travel for the interpreter, allows the interpreter to provide services in several counties from the same location and results in significant cost savings. There will always be a certain level of anxiety associated with any court appearance, but the anxiety should not result from a lack of understanding. The Judicial Branch is taking proactive measures to ensure that qualified interpreters are available to protect the rights of the increasing number of nonEnglish-speaking people involved in court proceedings in Minnesota. Justice should be available and understandable to all people. Fortunately, in Minnesota, it is. Edward Lynch is chief judge of the First Judicial District, which includes the counties of Carver, Dakota, Goodhue, Le Sueur, McLeod, Scott, and Sibley. Columns reflect the opinion of the author.

Dakota County Tribune BUSINESS WEEKLY

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DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY September 29, 2011

Financial Sense

Get out of the red: Six sensible steps to cut debt Debt, the amount a person or entity owes to a creditor for funds borrowed, is not just a problem for the U.S. Government; it is a four-letter word in many American households. As of 2010, consumer debt in the United States approached $2.4 trillion, excluding real estate holdings. For consumers who are not careful, a useful moneymanagement tool when handled responsibility may turn into a monster capable of wreaking havoc on individuals when abused. Debt issues “can limit your options and impact your life in a lot of negative ways,” from buying a home to getting a new job, said financial planner H. Jude

Boudreaux of Upperline Financial Planning in New Orleans, La. Thankfully, consumers do not need to wait around for politicians in Washington, D.C., to solve Uncle Sam’s debt issues to start addressing their own situation. In many instances, reducing the cumulative burden of credit card balances, home mortgages, loans and the like boils down to a few straightforward steps: 1. Give yourself a reason to say “no” — a carrot to confront your debt situation. Promise yourself that if you reduce your debt burden by a certain amount or percentage, something good will happen: taking a vacation, quitting a second job,

or buying something you have wanted for a while. 2. Get a clear picture of what you owe, the interest rate each creditor is charging and how you are spending your money. 3. Plan, prioritize, and be patient. Some people prefer to start paying off their largest or highest interestrate debts first. Others might opt to start by paying off smaller debts in their entirety, while chipping away at the larger, more imposing ones. Regardless of how you approach it, you need a debt reduction plan, and patience, said Boudreaux. “It takes real, focused attention to get out of debt and it takes time to make progress.”

4. Be resourceful. Consult with a financial adviser specializing in budgeting and debt. The Financial Planning Association’s national adviser database w w w. F PA n e t . o r g / P l a n nerSearch/PlannerSearch. aspx can point you in the direction of one. Or use free counseling resources such as the National Foundation for Credit Counseling, www.nfcc.org. Also look into debt support groups locally and online. The website www.iVillage.com has an online debt support community, for example, while organizations such as Debtors Anonymous (www.debtorsanonymous. org) sponsor local meetings around the United States.

5. Track spending habits, tighten the screws where necessary. Rather than leaving excess funds in your checking account, use them to pay down debt. Give yourself a weekly or monthly stipend to function as a spending ceiling. For help tracking spending, check out free systems and software from organizations such as www.mint.com. Or invest in systems such as First Step Cash Management, www.firststepcashmanagement.com. 6. Watch out for profiteering debt settlement organizations that promise a lot, deliver less and charge plenty along the way. In addition, be aware of debt consolidation loans, which

“relieve you of a burden without necessarily changing your behavior,” according to Boudreaux. Steps like these already appear to be helping Americans make progress against debt. According to the credit rating agency Equifax, consumer debt has shrunk to 8.2 percent, between Oct. 2008 and July 2011. This column is provided by the Financial Planning Association (FPA) of Minnesota, the leadership and advocacy organization connecting those who provide, support and benefit from professional financial planning. FPA of Minnesota can be found online at www. fpamn.org.

Five questions to ask in your financial tune up Everyone knows that it’s important to get your oil changed regularly and to keep your tires properly inflated, but have you thought about performing the same kinds of maintenance on your finances? Because of constant changes in market and economic conditions and in your own life, it’s a good idea to review some key financial issues regularly to be sure they are up to date. The Minnesota Society of CPAs recommends asking these questions to see where you stand. Have you got the right insurance? Insurance policies can give you peace of mind, but that doesn’t mean you should set them aside and forget them.

If you have had children since you bought your life insurance policy, seen a rise in your income level or experienced some other important change in your life or your finances, you may want to adjust your coverage accordingly. If you have gotten married or divorced, for example, it may be time to change your beneficiary. You should also consider whether there are reasons to raise the deductibles on your home or auto insurance (if you want to lower your premiums) or lower them (if you prefer less out-of-pocket risk in case of an accident). And if you’ve always felt that you were paying too much for insurance, it can’t hurt to do some research ev-

ery couple of years to see if a less expensive option would suit you just as well. Are your investments on track? Even if you’re happy with investments you made in the past, it’s smart to review them regularly to ensure that they still match your objectives and that the related risks and rewards continue to fit your current situation. The growth-oriented stocks or stock market mutual funds you started buying in your 30s, for example, may not completely suit your needs as you get closer to retirement. In addition, many people allocate a percentage of their investments in certain types of investments, but those percentages may change due to

gains and losses in different markets. That’s another reason to review your holdings and decide whether changes are necessary. Is your will up to date? Does your will take into account recent changes in your life, such as marriage, divorce or other passages in your own or even in your children’s lives? Do your loved ones know where to find important documents (including your will and information about your bank accounts, investments, etc.) if something happens to you? If not, now’s the time to create a current will and make sure that it and other key papers are accessible to loved ones. Can you renegotiate some payments?

Most people pay a long list of bills every month. What’s the best way to reduce your payments on all those bills? Sometimes all you need to do is ask. Many companies are scrambling to keep customers, so they may be very open to renegotiating rates. That includes the companies that supply your cable, cell phone service or your landline, as well as those that provide your Internet service and a host of others. Can you reduce credit costs? While you’re renegotiating deals, don’t forget your credit card company. If you have a good payment history, call the company and suggest they lower the interest you pay. If they refuse, make it clear that you plan to look for

a better rate elsewhere. That shouldn’t be an empty threat: It’s always a good idea to keep an eye out for better credit card deals. And remember that a good credit score will help you qualify for the lowest borrowing rates. How can my local CPA help? Your CPA can offer easyto-understand advice on a wide variety of financial questions. Be sure to turn to him or her with all your family’s financial concerns. The Minnesota Society of Certified Public Accountants serves the public interest by advancing the highest standards of ethics and practice within the CPA profession.To locate a CPA, visit www.mncpa.org/ referral.

People who work in retirement can still earn Social Security benefits by Rhonda Whitenack and Jim Czechowicz PUBLIC AFFAIRS, SOCIAL SECURITY ADMINISTRATION

Question: I work in retirement. How much can I earn and still collect full Social Security retirement benefits? Answer: Social Security uses the formulas below, depending on your age, to determine how much you can earn before we must reduce your benefit: • If you are younger than full retirement age: $1 in benefits will be deducted for each $2 you earn above the annual limit. For 2011, that limit is $14,160. • In the year you reach your full retirement age: $1 in benefits will be deducted for each $3 you earn above a different limit, but we count only earnings before the month you

reach full retirement age. For 2011, this limit is $37,680. • Starting with the month you reach full retirement age: you will get your benefits with no limit on your earnings. Find out your full retirement age at www.socialsecurity.gov/pubs/ageincrease. htm. Question: How do I report a lost Social Security card? Answer: You do not have to report a lost Social Security card. In fact, reporting a lost or stolen card to Social Security will not prevent misuse of your Social Security number. You should let us know if someone is using your number to work (call 1-800-772-1213; TTY 1-800-325-0778). If you think someone is using your number, there

are several other actions you should take: • Contact the Federal Trade Commission online at www.ftc.gov/bcdp/edu/ microsites/idtheft or call 1-877-ID-THEFT (1-877438-4338); • File an online complaint with the Internet Crime Complaint Center at www. ic3.gov; • Contact the IRS Identity Protection Specialized Unit by calling 1-800-908-4490, Monday through Friday, 8 a.m. to 8 p.m.; and • Monitor your credit report. Question: Do I have to pay income tax on my Social Security benefits? Answer: It depends. Fewer than one-third of our current beneficiaries pay income taxes on their benefits. You

will have to pay federal income taxes on your benefits if you file an individual federal income tax return and your total income is more than $25,000. If you file a joint return, you will have to pay income taxes if you and your spouse have total income of more than $32,000. For more information, call the Internal Revenue Service (IRS) toll-free at 1-800-8293676 and ask for IRS Publication 915, Social Security and Equivalent Railroad Retirement Benefits, www.irs. gov/publications/p915/index. html. People who are deaf or hard of hearing may call the IRS toll-free number, 1-800829-4059. Question: I am receiving Social Security disability benefits. Will my benefits be affected if I work and earn

money? Answer: We offer work incentives that can help you keep your benefits while you test your ability to work. For example, there is a trial work period during which you can receive full benefits regardless of how much you earn, as long as you report your work activity and continue to have a disabling impairment. For more information about work incentives, we recommend that you read Working While Disabled — How We Can Help. You’ll find it online at www.socialsecurity.gov/pubs/10095. html. Question: Is there a time limit on Social Security disability benefits? Answer: Your disability benefits will continue as long as your medical condition

has not improved and you cannot work. We will review your case at regular intervals to make sure you are still disabled. If you are still receiving disability benefits when you reach full retirement age, we will convert those benefits to retirement benefits. Question: How much will I receive if I qualify for Supplemental Security Income (SSI) benefits? Answer: The amount of your SSI benefit depends on where you live and how much income you have. The maximum SSI payment varies nationwide. The maximum federal SSI payment for an eligible individual is $674 a month and $1,011 a month for an eligible couple. However, many states add money to the basic payment. See Social Security, Page 7A

September 29, 2011 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Eagan for-profit college named in lawsuit Attorney general says Argosy University-Twin Cities illegally collected state financial aid by Tad Johnson DAKOTA COUNTY TRIBUNE

Argosy University-Twin Cities, a for-profit college in Eagan, is alleged to have unlawfully collected state taxpayer-financed student financial aid, according to a lawsuit filed today by Minnesota Attorney General Lori Swanson. The lawsuit was filed against Argosy’s parent company Pennsylvania-based Education Management Corporation, the second largest of its kind in the U.S., which was ineligible to receive state financial aid because it paid incentive compensation to recruiters based on the enrollment of new students. The lawsuit also reported that the EMC school Art Institutes International of Minneapolis was involved in the alleged illegal activity. “Incentive payments by for-profit colleges to their recruiters are illegal because they can lead to a hard-sell atmosphere where students are sometimes hustled to enroll in expensive programs paid for by taxpayer-backed student loans, hurting both

students who are trying to better themselves and taxpayers who must pick up the tab if the loans default,” Swanson said in a press release. The attorney general joined the U.S. Department of Justice and five other states – Florida, Indiana, Kentucky, Illinois, and California – in the lawsuit, which was filed in federal court in Pennsylvania. Argosy and AIA received at least $1,288,514 in state student aid under Minnesota’s student grant, aid, scholarship, and loan programs since July 1, 2010, representing about 1,278 financial aid awards. According to the companies’ websites, annual tuition and fees is about $16,662 per year at Argosy University. The Eagan campus offers programs in psychology, marriage and family therapy, education, business, and health sciences. EMC had net revenues in fiscal year 2011 of $2.8 billion. Nationwide, EMC received over $2.6 billion in federal financial aid funding in fiscal year 2011.

In addition to Goldman Sachs’ 41.8 percent ownership EMC, Providence Equity Partners owns 31.5 percent and Leeds Equity Partners owns 7.6 percent. The release reported that EMC generates the majority of its marketing leads from web-based advertising, according to its 2010 Annual Report. It also purchases leads from aggregators and uses television and print media advertising, radio, local newspaper, telephone campaigns, and direct mail campaigns. Students who express interest in enrolling at an EMC college are contacted by EMC recruiters. Federal law prohibits for-profit colleges from paying “any commission, bonus or other incentive payment” to any person engaged in student recruiting, which is based either directly or indirectly on the recruiter’s success in enrolling new students. Tad Johnson is at editor. thisweek@ecm-inc.com.

Road extension would eliminate Xcel trucks, improve park access City negotiating to charge company for 12th Avenue extension, new bridge on Black Dog Road by John Gessner DAKOTA COUNTY TRIBUNE

A new road providing alternative access to Xcel Energy’s Black Dog power plant during flood season would remove heavy trucks from North River Hills residential streets and improve access to Black Dog Park, Burnsville officials say. The City Council voted Sept. 20 to approve a preliminary report on the $5.52 million project and schedule a Nov. 22 public hearing. In a related matter, the council approved plans and specifications for reconstruction of the Black Dog Road west bridge near Interstate 35W. Replacing the bridge on the two-lane road will cost an estimated $588,000. The bridge is closed and unsafe for traffic, officials say. Officials, now in negotiation with Xcel, hope to secure full company funding for both projects. The company plans to use the bridge during construction of $600 million in upgrades of the riverfront plant in coming years. Plans are to convert the half-coal, half-

gas plant entirely to natural gas. The road project would extend 12th Avenue through an unused portion of Black Dog Park, where it would meet up with Xcel’s emergency access road across the Minnesota River bottom. The current access from the park to Territorial Drive would be closed to traffic. No longer would traffic to and from the plant — including trucks hauling away coal ash — rumble through neighborhood streets. Black Dog Road flooding has forced use of the alternative access for more than 12 weeks in each of the last two years. The 12th Avenue extension is costly because of the slope of the land, requirements for filling protected wetlands and poor soils, Public Works Director Steve Albrecht said. “This is an expensive project,” he said. “The city would not be proposing this were it not for Xcel’s need for access.” The 4,300-foot road extension would have the add-

ed benefit of providing better access to Black Dog Park, a hard-to-find destination in the river valley with a football field and ball diamonds. “I actually think that road is going to be a beautiful, scenic access into that park,” Council Member Dan Kealey said. “It’s going to be one of the most picturesque parks in the city when it’s done.” The extension would run behind homes and across more than six acres of parkland. In addition to the public hearing before the council, the city is planning an informational hearing before the Parks and Natural Resources Commission in November. Construction is planned to begin next summer, with completion in spring 2013. Construction of the west bridge is scheduled for this coming winter and spring. Vehicles must now reach the Black Dog plant via Nichols Road in Eagan. Nichols has 4-ton load restrictions, which restrict Xcel’s vehicle use, according to the city. John Gessner is at burnsville. thisweek@ecm-inc.com.

Stability returning to housing market in Minnesota Positive signs of the long-awaited housing recovery are strengthening, according to the newest numbers released by the Minnesota Association of Realtors. The August 2011 Housing Report has many experts in the industry optimistic about the future market. A key figure, pending sales, is especially encouraging. Pending sales were up 51 percent when compared to August 2010. This is the fourth consecutive monthly increase in pending sales. “Pending sales – contracts written but not closed – for Minnesota residential home sales were up significantly in August,” said Russ Portele, president of the Minnesota Association of Realtors. “Housing affordability, low interest rates and an improving employment sector all contributed to the strong results.” Closed transactions are another positive indicator of a stronger housing market. In August 2011, Minnesotans had 29 percent more closings than this time last year. Homebuyers have closed on more homes year-to-date than in the previous year as well. “Improvements in the closed transaction figures are important because it indicates that buyers are interested in moving forward with homeownership,” said

Portele. “Low interest rates, a very affordable housing inventory and strengthening confidence in Minnesota’s employment sector are all contributing to the rebound.” Many Minnesota homeowners are concerned about the value of their properties and in August the year-to-date numbers still looked dismal. Statewide, median sales prices were down 9 percent compared to values in 2010. The median is the midpoint, indicating as many transactions above as below the stated price. In August, the median home price was $140,000. “This is not an uncommon situation when the market is stabilizing,” said Portele. “Individual monthly prices can fluctuate as housing consumers look for bargains and more sellers price their properties competitively with others on the market. In August, housing inventories fell 11 percent with days on the market at 114 days.” Lower home values do mean positive things for housing affordability. Minnesota’s Housing Affordability Index (HAI) increased in August as low interest rates and distressed properties made housing more affordable. The HAI measures the median income of a Minnesota family compared to median home price. When

the index measures 100, the median family has 100 percent of the income necessary to qualify and purchase a median priced home. Statewide the HAI is now 134, which means the median family income is 134 percent of the level required to purchase a median priced home. Housing affordability rates Statewide 134 Alexandria Area 201 Brainerd/Baxter 167 Duluth Area 174 Detroit Lakes Area 161 Fergus Falls Area 216 Mankato Area 217 Metro Area 233 Range Area 296 Rochester Area 255 St Cloud Area 214 Willmar/Marshall 264 “Affordability is much higher in individual market areas than it is statewide,” said Portele. “This is because of the number and price of properties for sale in the metro area and an overall lower income in Greater Minnesota.” Historically low interest rates have also helped keep housing affordable to majority of Minnesota families. The Minnesota Association of Realtors is the largest professional trade association in the state with nearly 18,000 members who are active in all aspects of the real estate industry.

New Spaces Remodeling accepting project submissions for contest New Spaces is accepting submissions through Oct. 2 for kitchen, bathroom and basement remodeling projects for its semi-annual Design Challenge Event. This fall’s event is sponsored by Cambria and Innovative Surfaces and will be hosted in the Cambria Suite inside Target Field on Oct. 29. The event challenges three different designers to present remodeling solutions for one kitchen, one bathroom and one basement

remodeling project within an established budget. Featured projects qualify for design and product discounts. “We’ve found that having our designers present their solutions for the project’s challenges allows the homeowners to envision what their space could be rather than just how it is,” said Shawn Nelson, president of New Spaces. “It’s a fun atmosphere and everyone that attends comes away with creative design solutions to

real-life problems.” New Spaces is a familyowned design/build remodeling company operating throughout the Twin Cities, including a Burnsville location. Information on how to submit projects or how to register to attend the event can be found at www. DesignChallengeMN.com. Attendance at the event is free and includes a buffet lunch and a tour of Target Field.

Daley named to Sunset Advisory Commission State Sen. Ted Daley, REagan, has been named by the Senate to the new Sunset Advisory Commission. The 12-member group is charged with determining whether to continue, abolish or reorganize state agencies. Using criteria such as efficiency, purpose, jurisdic-

tion and effectiveness, the commission will determine whether a public need exists for each state agency, and make recommendations to the Legislature on what actions, if any, should be taken. Also named by the Senate were Paul Gazelka, RBrainerd; Mike Parry, R-

Waseca; and Terri Bonoff, DFL-Minnetonka. The House named Joyce Peppin, R-Rogers; King Banaian, R-St. Cloud; Mary Kiffmeyer, R-Big Lake; and Michael Nelson, DFL-Brooklyn Park. Gov. Mark Dayton will name the remaining four members.

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY September 29, 2011

Lakeville mayor accuses Senior Center leader of lying

Social Security from Page 5A

Participants Barlau said much of the reason for the losses of the Sept. 9 race stems from circumstance. He said a couple of the participating mayors were involved in emergencies that kept them from participating. He also said Lakeville Council Member Matt Little, who was originally supposed to represent Lakeville, pulled out at the last minute, and, therefore, Bellows did not have the time to sell 100 tickets. Barlau also said he got sick this year, which reduced his ability to market the events. Little withdrew from the race on Sept. 2, citing a scheduling conflict. Little, who helped start the Lakeville Resource Center food shelf in downtown Lakeville, recently decided to go public with what he said were his concerns about the event. â&#x20AC;&#x153;There was a lack of transparency,â&#x20AC;? he said. â&#x20AC;&#x153;I was actually pretty excited to race originally.â&#x20AC;? Little said there was no indication that Click Club USA was a for-profit company. So when he requested a receipt

for his donations from Barlau, Little said he learned of the companyâ&#x20AC;&#x2122;s status. He said in addition to the lack of disclosure about the for-profit nature of the organizer and his inability to acquire a receipt, he did not see any specific indication of where the money would go. â&#x20AC;&#x153;There were a lot of red flags,â&#x20AC;? he said. Burnsville City Council Member Dan Kealey raced in the Sept. 9 event. He said he had not heard any official word about total revenues or expenses. â&#x20AC;&#x153;Iâ&#x20AC;&#x2122;m disappointed it didnâ&#x20AC;&#x2122;t draw enough peopleâ&#x20AC;? to benefit the food shelves, he said. â&#x20AC;&#x153;If organizers are able to do it again next year, they should advertise it more in advance.â&#x20AC;? Kealey also said Click Club USA should focus on signing up more volunteers and negotiating a better track rate. â&#x20AC;&#x153;You would think the track would donate at least something,â&#x20AC;? he said. Rosemount Mayor Bill Droste was another participant in the event. Barlau disclosed to Droste that the first Scott County Race for Hunger was unable to donate to foodshelves.

He indicated that the Heritage Center would have to be an exception and that it felt as if the project was â&#x20AC;&#x153;shoved up our butts.â&#x20AC;? The Heritage Center project will include a senior center, offices for the Lakeville Yellow Ribbon organization and will be the new home for the Lakeville Area Historical Society. Walter declined to comment on the accusations. Mielke also declined to comment, citing the confidential nature of personnel matters. Bellows did not elaborate on his accusations at the meeting and could not be reached by press time for additional comment.

Droste said he still decided to participate, thinking that if â&#x20AC;&#x153;they can get their act together, they can make some money.â&#x20AC;? Droste said he would have had more confidence in the event if he would have been presented with a goal that was needed to cover the eventâ&#x20AC;&#x2122;s expenses. A few things had Droste low key about promoting it and selling tickets. Among them were that the original date had to be changed, that tickets were provided without much instruction and that they werenâ&#x20AC;&#x2122;t numbered. â&#x20AC;&#x153;The organization structure somewhat had me concerned,â&#x20AC;? he said. â&#x20AC;&#x153;The first thing that made me nervous was the tickets were not numbered.â&#x20AC;? After he was told that the event would give an estimated $700 to foodshelves, Droste said: â&#x20AC;&#x153;It is disappointing if that is what it is.â&#x20AC;? Droste said he committed about five hours to the event. â&#x20AC;&#x153;I know for a fact that people will strongly support food shelves,â&#x20AC;? Droste said. â&#x20AC;&#x153;You want to make sure it is credible if you are going to be involved.â&#x20AC;? And having an elected

Aaron Vehling is at aaron. vehling@ecm-inc.com and www.facebook.com/ thisweeklive.

officials involved in selling tickets leads people to believe that there is a good vetting of the fundraiser, according to Droste.

Numbers While Barlauâ&#x20AC;&#x2122;s letter to Thisweek stated that $1 per ticket sold would go to foodshelves, Barlau said on the phone and on Click Club USAâ&#x20AC;&#x2122;s website that â&#x20AC;&#x153;$9.00 worth of food will be donated to the food shelves for each ticket purchase.â&#x20AC;? When asked about that, Barlau said that would happen after he sold 1,000 tickets. Barlau clarified the phrase, â&#x20AC;&#x153;worth of food,â&#x20AC;? saying that the money donated translated to a greater value in food for food shelves per dollar. He said he would be presenting a check worth $1,800 in food to each of the food shelves soon. Tom Compton, the marketing and communications specialist for 360 Communities, said: â&#x20AC;&#x153;He told me he took a loss. I donâ&#x20AC;&#x2122;t think we are going to see anything.â&#x20AC;? The donation of $1,800 worth of food was something with which Compton was not familiar. As of Sept. 20, he said he knew nothing about

that. There had been communication problems with 360 Communities since Compton took over for a previous marketing and communications staff member, Baulau said. Barlau said he worked with one employee to start, but when the employee left the position, the successor didnâ&#x20AC;&#x2122;t know anything about the Race for Hunger. 360 Communities was supposed to sell 50 tickets, Barlau said. â&#x20AC;&#x153;Iâ&#x20AC;&#x2122;m trying to do what I can for the food shelves,â&#x20AC;? he said. â&#x20AC;&#x153;They need the help. In order for this to be successful we have to do this together. Everyone who was involved wants to continue it. We just have to change a few things.â&#x20AC;?

Future plans Barlau told Thisweek that he plans to hold five races next year. â&#x20AC;&#x153;Next month Iâ&#x20AC;&#x2122;m negotiating a new deal with Raceway,â&#x20AC;? he said, adding that he wants to add to his roster of corporate sponsors that includes Dickâ&#x20AC;&#x2122;s Sanitation of Lakeville and Pawn America. As for the lack of success with these events, Barlau said they are large undertakings

and that he is â&#x20AC;&#x153;still learning.â&#x20AC;? He said his intentions were honorable. Barlau said he also plans to move the event from Fridays to Saturdays. Overall, he remains optimistic for future races. â&#x20AC;&#x153;We have 14 mayors lined up for next year,â&#x20AC;? he said, adding that he has fielded calls from mayors who were left out from the earlier races who want to race next year. Click Club USA coordinates an estimated 400 â&#x20AC;&#x153;couponâ&#x20AC;? promotions with local merchants all year long and sells a discount card that can be brought to merchants, according to Barlau. The cards work like gift cards and sell for $20 each. Fundraising groups can sign an agreement to receive $10 for every card they sell. Barlau said his website has about 10,000 views per month. â&#x20AC;&#x153;We knew going into this we would take some knocks,â&#x20AC;? he said. â&#x20AC;&#x153;Itâ&#x20AC;&#x2122;s a learning process.â&#x20AC;? Tad Johnson is at editor. thisweek@ecm-inc.com and Aaron Vehling is at aaron. vehling@ecm-inc.com

ďż˝

Race from Page 1A

about certain clauses in the contract, including those relating to reimbursable expenses and the duties of the project and construction managers. The 3-2 vote is the typical council split in regard to the Heritage Center project. Council Members Laurie Rieb, Kerrin Swecker and Matt Little were the three affirmative votes. Little disagreed with Bellows. â&#x20AC;&#x153;I just want to say I stand behind staff 100 percent,â&#x20AC;? he said. â&#x20AC;&#x153;Certainly the allegation of lies is pretty hefty without any evidence at all.â&#x20AC;? Bellows said that in his 11 years on the council, he followed the typical council understanding: That once a majority approved of something by vote, the entire council would unite and support a project.

ďż˝ ďż˝

The Heritage Center project became a wedge issue again at Monday nightâ&#x20AC;&#x2122;s Lakeville City Council meeting. Mayor Mark Bellows, upon voting against approval of a contract with Wold Architects, accused Senior Center Coordinator Linda Walter of lying about the project. The contract was for engineering and design work at the former police station on Holyoke Avenue. â&#x20AC;&#x153;Iâ&#x20AC;&#x2122;m embarrassed by the process,â&#x20AC;? Bellows said. â&#x20AC;&#x153;The issue for me is I feel like we were lied to by a staff member. I donâ&#x20AC;&#x2122;t think there were ramifications for that.â&#x20AC;? He added that he had talked to City Administrator Steve Mielke â&#x20AC;&#x153;about it a couple of timesâ&#x20AC;? and did not want to set a precedent

among the staff that â&#x20AC;&#x153;this behavior can continue.â&#x20AC;? Bellows declined to idenBellows tify Walter initially, but City Attorney Roger Knutson said state law required Bellows to identify the staff member in question if he planned to call a special meeting to discuss her. That was Bellowsâ&#x20AC;&#x2122; intent. He also indicated he wanted the council to conduct a performance review of City Administrator Steve Mielke, separately. Council Member Colleen Ratzlaff LaBeau also voted against approving the $58,000 engineering and design contract, but did not voice a similar complaint. She said she was concerned

ďż˝

by Aaron Vehling

monthly premium for Medicare Part B and you have the option to refuse this coverage. â&#x20AC;˘ Medicare Advantage (Part C) plans generally cover many of the same benefits a Medigap policy would cover, such as extra days in the hospital after you have used the number of days Medicare covers. People with Medicare Parts A and B can choose to receive all of their health care services through one of these provider organizations under Part C. There might be additional premiums required for some plans; and â&#x20AC;˘ Prescription drug coverage (Part D) helps pay for medications doctors prescribe for treatment. Anyone who has Medicare hospital insurance (Part A), medical insurance (Part B), or a Medicare Advantage plan (Part C) is eligible for prescription drug coverage (Part D). Joining a Medicare prescription drug plan is voluntary and you pay an additional monthly premium for the coverage.

For more information, go to www.socialsecurity.gov/ssi. Question: My child is disabled. Can she qualify for Supplemental Security Income? Answer: SSI makes monthly payments to people with limited income and resources who are 65 or older, or blind, or disabled. Your child younger than age 18 can qualify if he or she meets Social Securityâ&#x20AC;&#x2122;s definition of disability for children, and if his or her income and resources fall within the eligibility limits. We also consider the income and resources of family members living in the childâ&#x20AC;&#x2122;s household. For more information, call 1-800-7721213 (TTY 1-800-325-0778) or visit www.socialsecurity.gov/ pubs/10026.html. Question: What are the four parts of Medicare? Answer: There are four parts to Medicare. â&#x20AC;˘ Hospital insurance (Part A) helps pay hospital bills and some follow-up care. The taxes Jim Czechowicz is public you paid while you were work- affairs specialist at the St. Paul ing financed this coverage, so, off ice of the Social Secufor most people, itâ&#x20AC;&#x2122;s premium rity Administration. Rhonda free. Whitenack is public affairs â&#x20AC;˘ Medical insurance (Part specialist at the Bloomington B) helps pay doctorsâ&#x20AC;&#x2122; bills and off ice of the Social Security other services. You must pay a Administration.

Bellows calls for special meeting to discuss Linda Walterâ&#x20AC;&#x2122;s behavior DAKOTA COUNTY TRIBUNE

September 29, 2011 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Capitol Commerce

Dayton, Republicans clash over union question Governor says Senate hearing on unionization of child care workers was ‘grandstanding’ by T.W. Budig

Opposing views

ECM CAPITOL REPORTER

Pat Gentz, of Pat’s Precious People Family Child Care in Lakeville, says forming a union of the state’s 11,000 licensed, in-home child care provider won’t help establish trust with parents. She was among the many people who testified during a Senate informational hearing about the unionization question at the State Capitol on Thursday, Sept. 22. “You need to understand that our occupation is really a calling,” said Gentz, one of several child care providers who said they oppose the idea. She said you cannot legislate love, and you certainly cannot unionize it. Democratic Gov. Mark Dayton charged Senate Republicans were trying to stoke up a “political frenzy” over the issue by holding the hearing — one he forbid his commissioners from attending. Using unusually peppery rhetoric, Dayton accused Republicans of “political grandstanding” and argued the hearing was needless. “(It’s) for something that hasn’t even happened yet — that I haven’t made a decision on yet,” Dayton of possible actions he could take as governor to foster unionization. At a Capitol press conference, Dayton repeated that he had given up on the idea of ordering child care provider unionization through executive order.

Photo by T.W. Budig

Child care provider unionization advocates closely listen to questions coming to them from state senators at an informational hearing at the State Capitol on Sept. 22. Lisa Thompson, a St. Paul day care provider and Child Care Providers Together spokeswoman, sits at the end of the table. His attorney is currently ated organizations are actively believe a sincere attempt was examining what legal authority working to get child care pro- made to coordinate with the he has in ordering an election viders to join the initiative. Governor’s Office. among the child care providChild Care Providers To“I don’t know what the govers to determine whether they gether is the AFSCME affili- ernor is trying to hide,” said want to unionize, Dayton said. ate, with Kids First as SEIU’s Sen. Mike Parry, R-Waseca, He said he is “very sympa- affiliate organization. Senate State Government Inthetic” with child care workers, According to the unions, novation and Veterans comand views unionization as one more than 50 percent of Min- mittee chairman. way of improving their wages nesota licensed child care proParry’s committee, in a and benefits. viders have signed union au- joint hearing with the Senate Two big unions, the Ameri- thorization cards to help win Health and Human Services can Federation of State, Coun- union recognition. Committee, took three hours ty, Municipal Employees and Dayton refused to send of testimony from supporters Service Employees Interna- administration officials to the and opponents of unionization. tional Union, through affili- hearing because he did not

Both sides were vehement in their views on the issue. “This movement has not happened in a vacuum,” said Lisa Thompson, a St. Paul day care provider and activist with Child Care Providers Together. Advocates argued that unionizing, something other states have done, would help ensure that child care providers are not crushed by overzealous, bureaucratic regulation. They anticipated a child care providers’ union as negotiating with the Minnesota Department of Human Services, and otherwise providing a voice for an often ignored, vital industry, they explained. “I’m saddened that people think I do this as a hobby,” said child care provider Clarissa Johnston. The only reason child care providers are getting attention now is because of the unions, she argued. “This is a defining moment for us,” she said. The idea that unionization would result in little kids at day care making “tax-the-rich” art projects with macaronis is ridiculous, she scoffed. But unionization advocates were vague in answers to questions about child care employees paying union dues or whether a majority vote meant all child care workers would be forced into the union. Denise Welte, a SEIU organizational director, as other advocates said such decisions would be made by the provid-

ers. “When we get there,” she said of completing the organizing. “We don’t have all the answers you’re looking for at this moment.”

Other views Sen. Pam Wolf, R-Spring Lake Park, an educator and union member, argued that key questions were being dodged. “Personally, I would not join anything if I didn’t have the details first,” she said. Other senators struggled with concept of private businesses unionizing. “Who’s the oppressor?” asked Sen. Dave Thompson, R-Lakeville. Sen. Barb Goodwin, DFLColumbia Heights, a union supporter, also indicated she was struggling. “I’m having trouble with this one, to be honest,” she said. A number of child care providers spoke out against the possible unionization of the industry. Some unionization opponents charged that union officials were being deceptive in their dealings with providers. The Republican committee chairmen expressed a willingness to hear legislation next session dealing with the unionization initiative. But Goodwin suggested that such legislation did not stand a chance in the Republican-controlled Legislature. T.W. Budig is at tim. budig@ecm-inc.com.

Cassellius applauds Obama’s proposed No Child reforms She was in Washington to hear plan for NCLB changes by T.W. Budig ECM CAPITOL REPORTER

Minnesota Department of Education Commissioner Brenda Cassellius was in Washington on Friday, Sept. 22 to hear Democratic President Barack Obama’s proposal for freeing schools from the perceived punitive, stifling embrace of federal No Child Left Behind law. The president is proposing to allow states to apply for waivers to sidestep such no NCLB absolutes as achieving 100 percent educational proficiency in schools in two years’ time by establishing ambitious, but achievable education goals. The president’s initiative could spare local schools from the being labelled as “failing” because of academic shortcom-

ings under NCLB. “I think that’s fundamentally wrong,” said U.S. Secretary of Education Arne Duncan of the perceived lumping of schools into groups under NCLB, a practice Duncan views as confusing to parents. Rather than top-down labelling, states will be given the flexibility under the president’s proposal to develop plans to target resources to low-performance schools or those with the largest achievement gaps, according to a U.S. Department of Education press release. Under the president’s greater flexibility proposal, states could also be given greater leeway in the use of federal funding, though funding specifically slated for disadvantage students would be protected. “That’s the single most important thing we can do,” said Obama of sharpening America’s competitive edge in the global marketplace. And that’s best achieved by providing students with an

excellent education, the president explained at a Washington press conference. Providing flexibility does not mean schools are freed of accountability, but rather freed to come up with the good solutions they’re uniquely positioned to craft, Duncan said. “Our role is to get out of the way whenever we can,” he said. The Obama Administration views many states as already working on education reforms and innovations — high-quality testing, teacher and school principal evaluations. And many of these reforms were not anticipated when NCLB was originally passed in 2001. Minnesota has already applied for a NCLB waiver. Duncan, appearing in a teleconference with Cassellius and a Wisconsin educator, attributed the early waiver filing to Cassellius’ overachiever mentality. Cassellius indicated that the current waiver would be tweaked more than radically

Photo by T.W. Budig

Minnesota Commissioner of Education Brenda Cassellius speaking at a press conference earlier this year. rewritten. She looks to gaining feedback from education stakeholders in reviewing the waiver, she said. Under state law, the state department of education must release school average yearly progress data by Sept. 30.

Cassellius said that progress data this year would be based on student growth rather than the comparison of student achievement against those of the previous year. “There is broad consensus from teachers, administrators,

and parents that No Child Left Behind is a flawed law that has failed to deliver for our schools and our kids,” said Cassellius in a press release. “The good news is Minnesota is already ahead of the curve when it comes to enacting the kind of innovative reforms the president and secretary spoke of today,” she said. Education Minnesota President Tom Dooher indicated support for the president’s proposal. “Education Minnesota supports Minnesota’s application for a waiver from the requirements of the failed No Child Left Behind Act, and we are encouraged that the federal government is finally redirecting its focus where it should be – meeting the needs of students and closing the achievement gap, rather than labeling and punishing schools,” Dooher said in a statement. T.W. Budig is at tim.budig@ ecm-inc.com.

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY September 29, 2011

Capitol Commerce

Union rankled over MnSCU’s administrator pay Union members protest as board of trustees meets by T.W. Budig ECM CAPITOL REPORTER

While the new Minnesota State Colleges and Universities Chancellor Steven Rosenstone addressed the MnSCU Board of Trustees, outside union activists were firmly grasping their protest signs against a fierce downtown St. Paul wind. “The board of trustees are flaunting these bonuses in our faces,” said Sheryl Jones, a secretary at Moorhead State University and a union official in American Federation of State, County and Municipal Employees Council 5. “Retiring (MnSCU) Chancellor James McCormick was given a $50,000 bonus,” Jones complained. Photo by T.W. Budig This is at a time MnSCU Sheryl Jones, a secretary at Moorhead State University and a union official in the Ameremployees are experiencing ican Federation of State, County and Municipal Employees Council 5, walked a windy salary freezes, she said. street corner in downtown St. Paul on Tuesday, Sept. 20 demonstrating against perceived excessive pay for Minnesota State Colleges and Universities’ administrators.

Concerns not new

Concerns over wages and benefits afforded higher education officials aren’t new, nor confined to unions. House Tax Committee Chairman Greg Davids, RPreston, recently said the top higher education officials are “grossly overpaid.” Rosenstone earns $360,000 a year as chancellor – McCormick’s former pay – and has a chance for a $50,000 bonus. New University of Min-

nesota President Eric Kaler earns $610,000 a year — both Kaler and Rosenstone argue their salaries are nowhere near the top of the national higher education pay scale. Former Republican House speaker Steve Sviggum, now a University of Minnesota Regent, recently spoke of Kaler earning his keep and of the president being the “perfect” fit at this point in university history.

Taxpayers League of Minnesota President Phil Krinkie, serving on the MnSCU Board of Trustees, recently indicated that he thought Rosenstone’s salary was fair.

More opinions But some local lawmakers remain uneasy about these salaries – the Minnesota governor currently earns just $120,000 a year. Rep. Denise Dittrich,

DFL-Champlin, believes Kaler’s salary is “absolutely” too much. “No, I don’t buy that at all,” she said recently of the argument that higher education salaries must reflect the marketplace. Sen. Barb Goodwin, DFL-Columbia Heights, understands there are the realities of the higher education job marketplace to be considered, she recently explained. “But I do think it’s defi-

nitely high,” she said of top higher education wages. House Higher Education Policy and Finance Committee Vice Chairman Bob Dettmer, R-Forest Lake, looks to the MnSCU Board of Trustees and the University Board of Regents as the public officials best positioned to deal the question of setting salaries. “I don’t know if you want the Legislature involved in this business,” Dettmer said. Lawmakers are already involved in too many issues, he said. Not that he doesn’t understand why people might be concerned, Dettmer explained. “It makes people wonder,” Dettmer said of Minnesota governors earning considerably less than other government officials. Lawmakers have suggested increasing the governor’s pay, but using that salary as a pay ceiling. Senate Finance Committee Chairwoman Claire Robling, R-Jordan, said she was “rather startled” when she initially heard what Kaler would make as university president. “It’s hard to know what’s the right amount to pay these people,” she said. The university already has a great deal of autonomy, Robling noted, and she

wonders whether lawmakers will lose what influence they have with university officials should state higher education funding continue to diminish. As for MnSCU, lawmakers pushed for a 10 percent cut in the administration. “And you know, Chancellor McCormick did it,” Robling said. The union’s ire over MnSCU administration salaries, Jones said, is directed at the board of trustees, not at Rosenstone. Jones spoke approvingly of the new chancellor. But shared sacrifice means everyone should share, she said. In his speech to the board of trustees on Tuesday, Sept. 20, Rosenstone spoke of making hard choices and working to keep MnSCU tuition affordable. “Our role as a driver of Minnesota’s economy is more important than ever, and the priorities we set over the new few weeks must help create a globally competitive position for Minnesota - one that will enrich our students, create jobs and contribute to the prosperity of businesses and communities across the state,” he said. T.W. Budig is at tim.budig@ ecm-inc.com.

Obama officials visit St. Paul to sell president’s job act Transportation Secretary LaHood leads delegation by T.W. Budig ECM CAPITOL REPORTER

Federal transportation officials were in St. Paul on Monday, Sept. 19, lauding the perceived job-creation virtues of government-funded infrastructure projects and the promise of Democratic President Barack Obama’s American Jobs Act for creating more. Perched along the edge of a roadbed in front of the Union Depot in downtown St. Paul, U.S. Secretary of Transportation Ray LaHood and Federal Transit Administrator Peter Rogoff echoed the president’s refrain that Congress needed to pass the American Jobs Act right now. “It will be paid for,” said LaHood, speaking the same day Obama sent to Congress a message detailing the finances of the proposed legislation. “This is a model for America — right here,” said LaHood, speaking above the

noise of construction crews working on the 11-mile Central Corridor Light Rail Line and Union Depot. The Union Depot, which was first completed in 1923 and features an arched waiting room and concourse, will serve as a multi-modal transit hub when its renovation is finished in late 2012. The feds have slated some $124 million toward the Union Depot project, which will have a peak on-site workforce of 300, according to the Ramsey County Regional Railroad Authority. LaHood hailed the president’s Job Act as slating billions of dollars more to infrastructure — to putting construction workers to work. “We are not going to be dissuaded by our critics,” he said of pursuing transit infrastructure improvements. There’s a “pent-up” demand for transit funding, he said. That can be seen in the $10 billion in state funding requests for extra transit dollars freed-up after Florida turned away some $2.3 billion

Photo by T.W. Budig

U.S. Transportation Secretary Ray LaHood last Monday in a stop in St. Paul called on Congress to pass President Obama’s American Jobs Act. The secretary, who visited a site along the Central Corridor Light Rail Line, now being built, argued that the jobs act promised billions of dollars more for infrastructure improvements and would put people back to work. in federal transit funding, he explained. Rogoff pointed to the light rail line, which will connect St. Paul and Minneapolis, and depot renovation as examples of people setting aside political differences in pursuit of “a big vision.” “Your vision is President

Obama’s vision,” he said.

Dayton, Obama “This is not a photo op’ — this is jobs,” said Democratic Gov. Mark Dayton, appearing along with federal and state officials. Speaking after the press conference, Dayton said he

was “site neutral” in terms of the exact route of a proposed high-speed rail line crossing over from Wisconsin. He just wants high-speed rail in Minnesota, he said. A “linchpin” for the state, said Dayton, would be a line between Rochester and the Minneapolis/St. Paul Airport. In his message to Congress on Monday, Obama — besides listing trillions of dollars in proposed budget savings — looked also to raising taxes on wealthier Americans. Obama proposes letting the so-called Bush Tax Cuts expire, and proposes the “Buffett Rule” — that people making more than $1 million a year should not pay a smaller share of their income in taxes than middle-class families. The “rule” is named after billionaire Warren Buffett who famously has argued that the federal tax breaks afforded him, a billionaire, are more generous than those afforded his secretary. Expiration of the tax cuts, tax increases on wealthier Americans, and other tax re-

forms would be more than enough to capture $1.5 trillion, the president said in his message. Dayton, who has proposed raising state taxes on the wealthy, indicated that if the state budget remains balanced, he would not pursue tax increases next legislative session. Republicans will not accept them, he noted. Dayton also said that should be state budget go out of balance, it might reinvigorate the tax debate. Republican presidential candidate U.S. Rep. Michele Bachmann in a statement expressed disfavor with the president’s budget message. “If Warren Buffett believes he doesn’t pay enough taxes, then he should write a check today to the treasury, but he and the president shouldn’t exact warfare on the millions of small businesses, on charities and on middle class America with increased tax burdens,” she said. T.W. Budig is at tim.budig@ ecm-inc.com.

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September 29, 2011 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Calendar To submit an item for the Calendar, email it to darcy.odden@ ecm-inc.com or fax (952) 8462010. Date-specific Dakota County Regional Chamber of Commerce events: â&#x20AC;˘ Thursday, Sept. 29, 5 to 7:30 p.m., Eagan Business After Hours, Anchor Bank, 1360 Duckwood Drive, Eagan. RSVP by Monday, Sept. 26, to kelly_zimmer@anchorlink.com. â&#x20AC;˘ Monday, Oct. 3, 3:30 to 4:30 p.m., The womEnâ&#x20AC;&#x2122;s Conference kick-off meeting, DCR Chamber office, 1121 Town Centre Drive, Suite 102, Eagan. Information: Jessy Annoni, (651) 288-9202. â&#x20AC;˘ Thursday, Oct. 6, 7:30 to 8:30 a.m., South Metro Young Professionals meeting, DCR Chamber office, 1121 Town Centre Drive, Suite 102, Eagan. You do not need to be a member of the DCR Chamber to participate in this group. Fee: $35 per year for chamber members, $50 per year for non-chamber members. Information: Tom Hilla at (952) 892-9031, thilla@msbcollege. edu. â&#x20AC;˘ Thursday, Oct. 6, 7:30 to 8:30 a.m., The Buzz, The Workforce Center of Dakota County, 1 Mendota Road, West St. Paul. Interim Superintendent Tom Nelson will review the pending referendum for ISD 197. Information: Jessy Annoni at jannoni@ dcrchamber.com. â&#x20AC;˘ Thursday, Oct. 6, 10:45 a.m., ribbon cutting at New Horizons Twin Cities, 2915 Commers Drive, Suite 500, Eagan. Information: Jessy Annoni at jannoni@ dcrchamber.com. â&#x20AC;˘ Friday, Oct. 7, 11 a.m., ribbon cutting and 65th anniversary, Brown College, 1440 Northland Drive, Mendota Heights. Food will be provided by Le Cordon Bleu students. Information: Jessy Annoni, (651) 288-9202, jannoni@ dcrchamber.com. â&#x20AC;˘ Friday, Oct. 7, noon, ribbon cutting, Le Cordon Bleu, 1345 Mendota Heights Road, Mendota Heights. Ribbon cutting for Le Cordon Bleuâ&#x20AC;&#x2122;s new restaurant,

Technique. Food will be provided by Le Cordon Bleu students. Information: Jessy Annoni, (651) 288-9202, jannoni@dcrchamber. com. â&#x20AC;˘ Tuesday, Oct. 11, 8 to 9 a.m., Rosemount Connection hosted by the city of Rosemount and the Beyond The Yellow Ribbon committee, at the National Guard Armory, 13865 S. Robert Trail, Rosemount. Information: Jessy Annoni at jannoni@dcrchamber. com. â&#x20AC;˘ Wednesday, Oct. 12, 7:30 to 8:30 a.m., Rosemount Area Business Council, Paul Eggen - State Farm Insurance, 14450 S. Robert Trail, Suite 204, Rosemount. Information: Ruthe Batulis at rbatulis@dcrchamber.com. â&#x20AC;˘ Thursday, Oct. 13, 8 to 9 a.m., Coffee Break, Genisys Credit Union, 1519 Central Parkway, Suite 110, Eagan. Information: Jessy Annoni at jannoni@ dcrchamber.com. â&#x20AC;˘ Friday, Oct. 14, 7:30 to 8:30 a.m., Government Affairs Committee, DCR Chamber office, 1121 Town Centre Drive, Suite 102, Eagan. Tom Hesse, vice president of government affairs, MN Chamber, will discuss the stateâ&#x20AC;&#x2122;s budget and projected shortfalls in 2014-15. Government redesign and tax reform focused on former Gov. Pawlentyâ&#x20AC;&#x2122;s 21st Century Tax Reform Commission report will also be discussed. Information: Ruthe Batulis at rbatulis@dcrchamber.com. â&#x20AC;˘ Tuesday, Oct. 18, noon to 1:30 p.m., new member orientation, DCR Chamber office, 1121 Town Centre Drive, Suite 102, Eagan. RSVP required. Information: Jessy Annoni at jannoni@ dcrchamber.com. â&#x20AC;˘ Wednesday, Oct. 19, 8 a.m. to noon, Executive Roundtable Group meeting, DCR Chamber office, 1121 Town Centre Drive, Suite 102, Eagan. Information: Greg Buck, (612) 708-4221, gbuck@bfsllc.info. â&#x20AC;˘ Thursday, Oct. 20, 7:30 to 8:30 a.m., Eagan Area Business Council, DCR Chamber office, 1121 Town Centre Drive, Suite 201, Eagan. Information: Ruthe

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Batulis at rbatulis@dcrchamber. com. â&#x20AC;˘ Wednesday, Oct. 26, noon to 1:15 p.m., ChamberNet, ProAct, 3195 Neil Armstrong Blvd., Eagan. Information: Robb Sweetnam at (952) 469-9229. â&#x20AC;˘ Thursday, Oct. 27, 7:30 to 9 a.m., Breakfast of Champions, JBL World HQ Conference Room, 3795 Pilot Knob Road, Eagan. Eagan resident Ross Bernstein, best-selling author of nearly 50 sports books, will be the speaker. RSVP required. Information: Jessy Annoni, (651) 288-9202 or jannoni@dcrchamber.com. Apple Valley Chamber of Commerce events: â&#x20AC;˘ Tuesday, Oct. 4, 7:30 to 9 a.m., Chamber Coffee Connection, Huntington Learning Center, 14990 Glazier Ave., Suite 101, Apple Valley. â&#x20AC;˘ Wednesday, Oct. 12, 11:30 a.m. to 1 p.m., Chamber Luncheon. Cost: $15 members/$20 nonmembers. Information: Catherine Bauman at catherine@applevalleychamber.com. â&#x20AC;˘ Thursday, Oct. 27, 5 to 7 p.m., Business After Hours, Anchor Bank, 14665 Galaxie Ave., Apple Valley. Burnsville Chamber of Commerce events: â&#x20AC;˘ Thursday, Sept. 29, 8 to 9 a.m., Star Tribune breakfast, The Roasted Pear, 14200 Nicollet Ave., Burnsville. Speaker Duchesne Drew of the Star Tribune will talk about how the newspaper is changing. To register, contact Anne at anne@ burnsvillechamber.com. â&#x20AC;˘ Thursday, Sept. 29, 4:30 to 7 p.m., open house, Country Cabinets, 18010 Foliage Ave. S., Northfield. Join Country Cabinets for an open house as they celebrate over 23 years in business. Beverages and fare from Green Mill to be served. Information: www.countrycabinets.com/ events.cfm. â&#x20AC;˘ Thursday, Oct. 6, noon to 4:30 p.m., Chambershack, Crystal Lake Golf Course, 16725 Innsbrook Drive, Lakeville. Registration: 11 a.m. Individual: $80. Foursome: $300. Information: Anne at (952) 898-5642. â&#x20AC;˘ Thursday, Oct. 6, Business After Hours and Expo, immediately following Chambershack, Crystal Lake Golf Course, 16725 Innsbrook Drive, Lakeville. Full table: $100 member/$125 nonmember. Half table: $50 member/$75 nonmember. Information: (952) 435-6000. Lakeville Area Chamber of Commerce events: â&#x20AC;˘ Thursday, Sept. 29, 4:30 to 6:30 p.m., Networking After Hours, Country Cabinets, 28010 Foliage Ave. S., Northfield. â&#x20AC;˘ Thursday, Oct. 6, 4:30 to 6:30 p.m., Networking After Hours, Anchor Bank. â&#x20AC;˘ Thursday, Oct. 13, 4:30 to 6:30 p.m., Networking After Hours, Legends Club. River Heights Chamber of Commerce events: â&#x20AC;˘ Thursday, Sept. 22, noon to 1:30 p.m., ChamberNet, chamber office. ChamberNet is a networking group whose mission is to provide a forum for members to give and receive qualified business leads. ChamberNet is a non-competitive group where only one individual in the group will represent a specific business sector. Information: Carol Swenson at Carol@riverheights.com. â&#x20AC;˘ Tuesday, Sept. 27, 5 to 6:30 p.m., Business Card Exchange at River Heights Clinic, 5300 Robert Trail, Suite 700, Inver Grove Heights. Information: Annie Platek at annie@riverheights.com. â&#x20AC;˘ Wednesday, Sept. 28, 7:30 to 8:30 a.m., South St. Paul Local Issues, Central Square Community Center, 100 Seventh Ave. N., South St. Paul. Information: Annie Platek at annie@riverheights.com. â&#x20AC;˘ Wednesday, Oct. 5, noon to 1:30 p.m., ChamberNet is a networking group whose mission is to provide a forum for members to give and receive qualified business leads. ChamberNet is a non-competitive group where

only one individual in the group will represent a specific business sector. Information: Carol Swenson at Carol@riverheights.com. â&#x20AC;˘ Tuesday, Oct. 11, 11:30 a.m. to 1:30 p.m., Keep it Local for Lunch. Information: Carol Swenson at carol@riverheights. com. â&#x20AC;˘ Thursday, Oct. 13, Inver Grove Heights Local Issues meeting at the district offices. Highway 52 - take the 80th St. exit. Go east to Simley High School. Turn in the main drive at Simley High School at the school crossing area. Proceed to the district office which is located on the same property but east of the high school. Park in the east end of the high school parking lot. Limited visitor parking is available immediately in front of the district office. Information: Jennifer Gale at jennifer@riverheights.com. â&#x20AC;˘ Friday, Oct. 14, 6 to 9 p.m., The Event (Gala), Historic Concord Exchange Building, 200 N. Concord Exchange, South St. Paul. Cost: $35. Information: Jennifer Gale, (651) 389-1031, jennifer@riverheights.com. â&#x20AC;˘ Tuesday, Oct. 18, 4:45 to 5:45 p.m., Member Ally Group meeting. Information: Annie Platek at annie@riverheights. com. â&#x20AC;˘ Wednesday, Oct. 26, 7:30 to 8:30 a.m., South St. Paul Local Issues, Central Square Community Center, 100 Seventh Ave. N., South St. Paul. Information: Annie Platek at annie@riverheights.com. â&#x20AC;˘ Thursday, Oct. 27, noon to 1:30 p.m., ChamberNet, chamber office. ChamberNet is a networking group whose mission is to provide a forum for members to give and receive qualified business leads. ChamberNet is a non-competitive group where only one individual in the group will represent a specific business sector. Information: Carol Swenson at Carol@riverheights.com. Kocina Marketing and Branding Companies, 350 W. Burnsville Parkway, Suite 350, Burnsville, will offer the following free MARKETSMART seminars. To register, go to www.kocinamarketingcompanies.com/training/ or call Cynde at (612) 798-7218. â&#x20AC;˘ Wednesday, Oct. 12, 2:30 to 4 p.m., â&#x20AC;&#x153;Using Publicity to Increase Sales.â&#x20AC;? â&#x20AC;˘ Wednesday, Oct. 26, 8:30 to 10 a.m., â&#x20AC;&#x153;Expo Marketing 101.â&#x20AC;? â&#x20AC;˘ Thursday, Oct. 27, 8:30 to 11 a.m., â&#x20AC;&#x153;Creating a Social Media Plan.â&#x20AC;? Business classes are offered by District 196 Community Education. Register for the following classes at www.district196. org/ce or call (651) 423-7920. â&#x20AC;˘ Monday, Oct. 3, 6:30 to 8:30 p.m., Introduction to Windows 7. Fee: $39. Rosemount Middle School, 3135 143rd St. W., Rosemount. â&#x20AC;˘ Tuesday, Oct. 4, 6:30 to 8:30 p.m., How to Start Your Own Business. Fee: $29. Falcon Ridge Middle School, 12900 Johnny Cake Ridge Road, Apple Valley. â&#x20AC;˘ Tuesday, Oct. 4, 7 to 9 p.m., Real Estate Investing: Opportunities for Success (Investment Properties, Foreclosures, Short Sales). Fee: $19, $6 additional adult. Falcon Ridge Middle School, 12900 Johnny Cake Ridge Road, Apple Valley. â&#x20AC;˘ Thursday, Oct. 6, 6:30 to 9 p.m., Writing Your Own Will. Fee: $49. Falcon Ridge Middle School, 12900 Johnny Cake Ridge Road, Apple Valley. â&#x20AC;˘ Monday, Oct. 10, 6:30 to 8:30 p.m., Word 2010: Getting Started. Fee: $39. Rosemount Middle School, 3135 143rd St. W., Rosemount. â&#x20AC;˘ Tuesday, Oct. 11, 6 to 9 p.m., Bulletproof Your Computer. Fee: $29. Rosemount Middle School, 3135 143rd St. W., Rosemount. â&#x20AC;˘ Tuesday, Oct. 11, 6:30 to 8:30 p.m., Marketing Strategies and Ideas. Fee: $29. Falcon Ridge Middle School, 12900 Johnny Cake Ridge Road, Apple

Valley. â&#x20AC;˘ Thursday, Oct. 13, 6:30 to 9 p.m., Countdown to Retirement. Fee: $19; $6 additional adult. Falcon Ridge Middle School, 12900 Johnny Cake Ridge Road, Apple Valley. â&#x20AC;˘ Monday, Oct. 17, 6:30 to 8:30 p.m., Word 2010: Document Formatting 1. Fee: $39. Rosemount Middle School, 3135 143rd St. W., Rosemount. â&#x20AC;˘ Tuesday, Oct. 18, 6:30 to 8:30 p.m., Financial Management of Your Business. Fee: $29. Falcon Ridge Middle School, 12900 Johnny Cake Ridge Road, Apple Valley. â&#x20AC;˘ Monday, Oct. 24, 6:30 to 8:30 p.m., Word 2010: Document Formatting 2. Fee: $39. Rosemount Middle School, 3135 143rd St. W., Rosemount. â&#x20AC;˘ Tuesday, Oct. 25, 6 to 9 p.m., Seven Secrets of Windows 7. Fee: $35. Rosemount Middle School, 3135 143rd St. W,. Rosemount. â&#x20AC;˘ Tuesday, Oct. 25, 6:30 to 8:30 p.m., Developing Your Business Plan. Fee: $29. Falcon Ridge Middle School, 12900 Johnny Cake Ridge Road, Apple Valley. â&#x20AC;˘ Thursday, Oct. 27, 6:30 to 9:30 p.m., Get Completely Out of Debt, Including Your Mortgage. Fee: $35; $14 additional adult. Falcon Ridge Middle School, 12900 Johnny Cake Ridge Road, Apple Valley. Ongoing Platinum Partners, a chapter of BNI, welcomes one representative from each profession and meets every Wednesday morning from 7:30 to 9 a.m. at the Lakeville Green Mill. To learn more, call Amy at (952) 2267741. Creative Networking Professionals, an independent business networking group, meets the first and third Tuesday of the month at JoJoâ&#x20AC;&#x2122;s Rise and Wine in Burnsville from 8 to 9 a.m. The group is focused on creating interpersonal relationships to grow business-tobusiness referrals. Yearly dues are $65. New members are welcome. Members are limited to one per professional category. For more information, contact Jeff Rothmeyer at JeffR@ Roundbank.com or see www. CreativeNetworkingProfessionals.com. Dakota Business Partners meets every Tuesday from 8:159:30 a.m. at AmericInn, 17145 Kenyon Ave. (just off Interstate 35 and County Road 50), Lakeville. For why our group is different and more information visit www.dakotabusinesspartners. com or find us on Facebook. Network Unlimited, a professional networking chapter, meets Tuesdays from 4:30 to 5:45 p.m. at Cherokee Sirloin Room, Cliff Road and Nicols Road, Eagan. To see if your category is open go to www.NetworkUnlimited.org. BNI â&#x20AC;&#x201C; The Valley Networkers chapter of Business Networking Intl. meets Thursdays at 11:30 a.m. at the DCTC Apple Valley Site at 14200 Cedar Ave. BNI is a networking group for business owners who are looking to increase their revenue. Only one person from each profession. Bring your own lunch. For more information, call Paula Sevenich at (952) 891-4057 or visit www.bni-mn.com BNI â&#x20AC;&#x201C; Networking meets Thursdays at 7:15 a.m. at the Round Bank in Farmington. For more information, contact Ellen at (952) 412-5287 or Lanny at (612) 386-2660. Professional Referral Exchange of Burnsville meets every Wednesday for breakfast at Dennyâ&#x20AC;&#x2122;s Restaurant. Meetings begin at 7 a.m. For more information, contact Jo Baecker, area director, at (612) 618-5347 or visit the website www.prorefx. com. Elite Executives Chapter of Business Networking International meets each Tuesday 7:30-9 a.m. at the Holiday Inn Express, 1950 Rahncliff Court, Eagan. This structured network-

ing group is open to all local business owners but we do limit to one person from each profession. For information, contact Shawn Moudry (952) 451-6519. Beta Sigma Phi, Preceptor Alpha Delta Chapter, meets the second Wednesday of every month at 7:30 at a memberâ&#x20AC;&#x2122;s home. For information, call (952) 894-8831. Network Results Chapter of Business Network International, networking for local business owners, only one person from each profession. First two meetings are free. We meet every Wednesday for breakfast, 7-8:30 a.m. at Roasted Pear, 14200 Nicollet Ave. S., Burnsville. Call Jim Culpepper for more information: (612) 655-4339. Networks Plus - Diversified Business Professionals Chapter of Business Network International, a business referral organization. Meetings will be held Thursdays 11:30 a.m. â&#x20AC;&#x201C; 1 p.m. at Savage City Hall, 6000 McColl Drive, Savage, MN. All professionals are invited to attend. Call Crystal (952) 314-8676. Networking coffee group at Caribou Coffee will meet from 9:30-11:30 a.m. at Caribou Coffee, 14638 Cedar Ave., on the second and fourth Mondays of the month. Call (763) 783-4767 to register. Grapevine Network â&#x20AC;&#x153;Common Denominatorâ&#x20AC;? Group meets Tuesdays from 7:30-8:45 a.m. at Coldwell Banker Burnet, 190 Cobblestone Lane, Burnsville. For information, call (952) 7465611 or visit www.thegrapevinenetwork.com. Grapevine Networking Group meets Wednesdays from 7:30-8:45 a.m. at Coldwell Banker Burnet, 190 Cobblestone Lane, Burnsville. For information, call (952) 746-5611 or visit www.thegrapevinenetwork.com. Kingdom Advisors members meet monthly for fellowship, training, networking, prayer, and sharing of best practices. Ron Blue or other recognized speakers (via DVD) cover a topic each month helping members integrate and apply Biblical financial wisdom into their professional advice. Visitors welcome. The S Metro Group meets at Family Financial Services, 151 W. Burnsville Parkway, Burnsville, from 7:30 to 9 a.m. on the fourth Tuesday of each month. POC is Jeff Robinson at (952) 890-6611. The SE Metro Group meets at 2918 Upper 55th St., Inver Grove Heights, the first Thursday of each month from 12 noon to 1 p.m. (bring your lunch). POC is Ginger Ewing at (651) 3891177. The S.T.A.R. (South Twin Cities Area Referral) Networking Group meets 8 to 9 a.m. every Wednesday at Bremer Bank, 17600 Cedar Ave, Lakeville. Openings are available. For questions, call Kathy Andrade at (952) 997-1306. SHiFT network events are held Thursdays from 6:30 to 8 p.m. at Inver Hills Community College, 2500 E. 80th St., Inver Grove Heights. SHiFT is a nonprofit network connecting adults in mid-life transition with opportunities to seek meaningful work, new avocations, and a supportive community (www.shiftonline. org). Members: Free. Guests: $5. Womenâ&#x20AC;&#x2122;s Business Exchange meets the fourth Wednesday from 11:30 a.m. to 1 p.m. at Baskets On Occasion, 4580 Scott Trail, Suite 204, Eagan. Fee: $5 per meeting. For more information, contact Mary at (651) 994-8392 or visit www.meetup.com/womensbusiness-exchange-eagan. Seed Your Business referral-based networking group meets the first and third Wednesday at noon at Baskets On Occasion, 4580 Scott Trail, Suite 204, Eagan. Fee is $5 per meeting. Up to two professions per person. Contact Mary at (651) 994 8392.

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY September 29, 2011

Portrait of Pawlenty to be unveiled Monday, Oct. 10 The portrait of forIt will be located on mer Minnesota Gov. the ground floor, west Tim Pawlenty will be wing, in succession unveiled during at 7 of those among the p.m. ceremony Monstateâ&#x20AC;&#x2122;s 39 governors. day, Oct. 10 in the Pawlenty served two State Capitol Rotunda. terms as governor The former Eagan Tim from 2002-2010. City Council member Pawlenty The portrait was and state representative painted by Ross R. from Eagan will attend the cer- Rossin, an internationally reemony with his family and for- nowned artist who has exhibmer administration members. ited extensively in Europe and Attendance to the event is Asia, according to a press reby invitation only as a public lease from the Minnesota Hisviewing will be held shortly af- torical Society. ter the portrait is installed the Rossin moved to Atlanta morning of Tuesday, Oct. 11. from his native Bulgaria in

2001. His focus on portraiture has gained him a reputation for his extraordinary talent. He was commissioned to paint the portrait of Presidents George H. and George W. Bush, which hangs in the Presidential Library in College Station, Texas. Rossinâ&#x20AC;&#x2122;s portfolio includes heads of state and dignitaries from both the business and political arena. To learn more about him visit www.RossinFineArt.com. For more information about Minnesotaâ&#x20AC;&#x2122;s governors visit www.mnhs.org/governors.

11A

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

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

Burnsville Convention & Visitors Bureau Address: 12600 Nicollet Ave., Suite 100, Burnsville, MN 55337 Phone: (952) 895-4690 Fax: (952) 487-1777 Website: www.burnsvillemn.com

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

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

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

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

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

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

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

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

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

South Metro SCORE Role: Counselors to Americaâ&#x20AC;&#x2122;s small businesses, free, confidential, face-to-face assistance from successful business mentors. Phone: (952) 890-7020 E-mail: southmetroscore@qwestoffice.com Website: www.score-southmetro.org

City Governments Role: Provide guidance through any real estate development process; may provide financial incentives through tax increment financing, local loan funds or state or federal business finance programs. Apple Valley, Bruce Nordquist Phone: (952) 953-2576 E-mail: bnordquist@ci.apple-valley.mn.us Website: www.ci.apple-valley.mn.us Burnsville, Skip Nienhaus Phone: (952) 895-4454 E-mail: skip.nienhaus@ci.burnsville.mn.us Website: www.burnsville.org Eagan, Jon Hohenstein Phone: (651) 675-5660 E-mail: jhohenstein@cityofeagan.com Website: www.ci.eagan.mn.us Farmington, Tina Hansmeier Phone: (651) 280-6821 E-mail: thansmeier@ci.farmington.mn.us Website: www.ci.farmington.mn.us Hastings, Shannon Rausch Phone: (651) 480-2344 E-mail: SRausch@ci.hastings.mn.us Website: www.ci.hastings.mn.us Inver Grove Heights, Jennifer Gale Phone: 651-451-2266 E-mail: Kevin@progressplus.org Website: www.ci.inver-grove-heights.mn.us Mendota Heights, Jim Danielson Phone: 651-452-1850 E-mail: jimd@mendota-heights.com Website: www.mendota-heights.com Lakeville, Dave Olson Phone: 952-985-4421 E-mail: dolson@ci.lakeville.mn.us Website: www.ci.lakeville.mn.us Rosemount, Kim Lindquist Phone: 651-322-2020 E-mail: Kim.lindquist@ci.rosemount.mn.us Website: www.ci.rosemount.mn.us South St. Paul, Jennifer Gale Phone: 651-451-2266 E-mail: kevin@progressplus.org www.southstpaul.org West St. Paul, Jim Hartshorn Phone: 651-552-4140 E-mail: Jim.hartshorn@ci.west-saint-paul.mn.us Website: www.ci.west-saint-paul.mn.us *Inver Grove Heights and South St. Paul use Progress Plus, an affiliate of the River Heights Chamber of Commerce, for their cityâ&#x20AC;&#x2122;s economic development services.

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PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE SUMMARY ORDINANCE NO. 883 CITY OF LAKEVILLE DAKOTA COUNTY, MINNESOTA AN ORDINANCE AMENDING TITLE 11 (THE ZONING ORDINANCE), CHAPTER 101 (THE FP, FLOOD PLAIN OVERLAY DISTRICT) OF THE LAKEVILLE CITY CODE This ordinance amends the City's zoning ordinance concerning the flood plain overlay district. Wording and substantive changes have been made to the text of the requirements of the FP, flood plain overlay district. A printed copy of the entire ordinance is available for inspection by any person during the City Clerk's regular office hours. Approved for publication by the City Council of the City of Lakeville, Minnesota, this 19th day of September, 2011. CITY OF LAKEVILLE BY: _______________________ Mark Bellows, Mayor

ATTEST: _______________________ Charlene Friedges, City Clerk 2763953

9/29/11

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: Threads of Grace 2. State the address of the principal place of business: 19463 Century Rd., Farmington, MN 55024 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. Paula L. Peterson, 19463 Century Rd., Farmington, MN 55024 4. I, the undersigned, certify that I am signing this document as the person whose signature is required, or as agent of the person(s) whose signature would be required who has authorized me to sign this document on his/her behalf, or in both capacities. I further certify that I have completed all required fields, and that the information in this document is true and correct and in compliance with the applicable chapter of Minnesota Statutes. I understand that by signing this document I am subject to the penalties of perjury as set forth in Section 609.48 as if I had signed this document under oath. Date: Sept. 06, 2011 Paula L. Peterson, Owner and Sole Proprietor 2762164 9/29-10/6/11P

PUBLIC NOTICE

NOTICE AND ORDER OF HEARING ON PETITION FOR PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT PROBATE DIVISION First JUDICIAL DISTRICT Court File No. 19HA-PR-11-542 ESTATE OF Arthur Gregory Schmidt, DECEDENT It is Ordered and Notice is given that on October 10, 2011 at 9:00 a.m. a hearing will be held in this Court at 1560 W Hwy 55, Hastings, Minnesota, for the formal probate of an instrument purporting to be the will of Decedent, dated September 29, 2008 (“Will”), and for the appointment of Bernadette E. Schwab whose address is: 8421 Colton Court, Woodbury, MN 55125 and Timothy S. Schmidt whose address is 20075 Chesterfield Way, Farmington, MN 55024 as personal representative of the Estate of the Decedent in an UNSUPERVISED administration. Any objections to the petition must be filed with the Court prior to or raised at the hearing. If proper and if no objections are filed or raised, the personal representative will be appointed with full power to administer the Estate, including the power to collect all assets, pay all legal debts, claims, taxes and expenses, to sell real and personal property, and do all necessary acts for the Estate. Notice is also given that (subject to Minn. Stat. 524.3-801) all creditors having claims against the Estate are required to present the claims to the personal representative or to the Court Administrator within four months after the date of this Notice or the claims will be barred. Dated: 9/14/11 Richard G. Spicer Judge (COURT SEAL) Attorney For Personal Representative Matthew T. Schmidt (#0391574) 229 - 2nd Avenue S. South St. Paul, MN 55075 2758539 9/22-9/29/11P

NOTICE TO CREDITORS AND CLAIMANTS Minnesota Statutes §302A.727 NOTICE IS HEREBY GIVEN to all creditors and claimants, if any, of STATE MECHANICAL, INC., a Minnesota corporation, that: 1. State Mechanical, Inc. is in the process of dissolving; 2. State Mechanical, Inc. has filed a notice of Intent to Dissolve with the Minnesota Secretary of State; 2. The notice of Intent to Dissolve was filed on August 22, 2011; 4. The address of the office to which written claims against State Mechanical, Inc. must be presented is 8610 195th Street West; Lakeville, MN 55044; and 5. The date by which all the claims must be received is December 7, 2011. 2736976 9/8-9/29/11

PUBLIC NOTICE

SuperLock Self Storage You are hereby notified that SuperLock Self Storage, 14541 Glenda Drive, Apple Valley, MN 55124 will conduct a sale on site on Wednesday, October 26, 2011 at 10:00 AM. Unit # Tenant 2302 Sabra Thurber Description of Items Vase, 100+/- boxes and totes containing books, kitchen furnishings and misc. household goods. Unit # Tenant 2307 Sabra Thurber Description of Items Work bench, moving crates, shelving, kitchen table, 75 +/- boxes and totes containing misc. books and other household goods. Unit # Tenant 1205 Terrance Johnson Description of Items 4 CPUs The contents will be sold for cash at auction to the highest bidder. 2763814 9/29-10/6/11

PUBLIC NOTICE

ORDER TO SHOW CAUSE STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT COURT FILE NO. 19HA-CV-11-4539 in the Matter of the Petition of: Federal National Mortgage Association, in Relation to Certificate of Title No. 140807 issued for land in the County of Dakota and State of Minnesota legally described as follows: Lot Three (3), Block Two (2), Jackson Heights Second Addition, according to the plat thereof. TO: JAMES L. CLARK; ADA JILSA R. CLARK; 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 9th day of November, 2011, 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. 140807 and enter a new Certificate of Title for the land therein described in favor of Federal National Mortgage Association, free from all other memorials now appearing on the present Certificate of Title, the last of which is Document No. 674515, and free also from the Memorial of this Order. IT IS FURTHER ORDERED, that this Order be served: a) at least 10 days prior to such 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 prior to such hearing upon any of the above named nonresidents by sending a copy of this Order to such nonresident at his post office address, by registered or certified mail, return receipt; 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 prior to the hearing by first class mail to such party at this last known address and by sending another copy of this Order at least 14 days prior to the hearing by first class mail to his address as stated on the Certificate of Title if any address is so stated. DATED: 9/7/11 BY THE COURT David Knutson Judge of District Court APPROVED: JAMES P. O’CONNELL EXAMINER OF TITLES BY: /s/ JAMES P. O’CONNELL Attorney for Petitioner: Adam Soczynski Usset, Weingarden & Liebo, PLLP 4500 Park Glen Road #300 Minneapolis, MN 55416 Attendance is not required at said hearing except to object to the entry of the above described Order. 2769037 9/29-10/6/11

NOTICE OF INFORMAL PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF Dakota First JUDICIAL DISTRICT DISTRICT COURT PROBATE DIVISION Court File No. 19HA-PR-11-547 Estate of Constance Johnson aka Constance D. Johnson, Decedent Notice is given that an application for informal probate of the Decedent’s will dated March 26, 2004, has been filed with the Registrar. The application has been granted. Notice is also given that the Registrar has informally appointed Michael F. Johnson whose address is 12 Escalle Lane, Larkspur, CA 94939 as personal representative of the Estate of the Decedent. Any heir, devisee or other interested person may be entitled to appointment as personal representative or may object to the appointment of the personal representative. Unless objections are filed with the Court (pursuant to Minn. Stat. 524.3-607) and the Court otherwise orders, the personal representative has full power to administer the Estate, including, after 30 days from the date of issuance of letters, the power to sell, encumber, lease or distribute real estate. Any objections to the probate of the Will or appointment of the Personal Representative must be filed with this Court and will be heard by the Court after the filing of an appropriate petition and proper notice of hearing. Notice is also given that (subject to Minn. Stat. 524.3-801) all creditors having claims against the Estate are required to present the claims to the personal representative or to the Court Administrator within four months after the date of this Notice or the claims will be barred. A charitable beneficiary may request notice of the probate proceedings be given to the Attorney General pursuant to Minn. Stat. 501B.41, subd. 5. Dated: 9/14/11 Richard G. Spicer Judge Attorney for Applicant Warren E. Peterson Peterson, Fram & Bergman, P.A. 55 E Fifth St, Suite 800 St. Paul, MN 55101-1718 Attorney License No: 86423 Telephone: 651-291-8955 FAX: 651-228-1753 Email: wpeterson@pfb-pa.com 2755825 9/22-9/29/11

PUBLIC NOTICE

NOTICE AND ORDER OF HEARING ON PETITION FOR PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS (ANCILLARY PROCEEDING) STATE OF MINNESOTA COUNTY OF DAKOTA FIRST JUDICIAL DISTRICT DISTRICT COURT PROBATE DIVISION Court File No. 19HA-PR-11-345 Estate of Gerald J. De Moulin, Decedent. It is Ordered and Notice is given that on October 24, 2011, 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 formal probate of an instrument purporting to be the Will of Decedent, dated June 22, 2009 (“Will”), and for the appointment of Brenda M. Alreck, whose address is 877 Whitney Drive, Apple Valley, Minnesota 55124, and Laura A. Johnson, whose address is 888 Redwell Lane, Apple Valley, Minnesota 55124, as ancillary Personal Representatives of the Estate of the Decedent in an UNSUPERVISED administration. Any objections to the petition must be filed with the Court prior to or raised at the hearing. If proper and if no objections are filed or raised, the Personal Representative will be appointed with full power to administer the Estate including the power to collect all assets, to pay all legal debts, claims, taxes and expenses, to sell real and personal property, and to do all necessary acts for the Estate. Notice is also given that (subject to Minn. Stat. 524.3-801) all creditors having claims against the Estate are required to present the claims to the Personal Representative or to the Court Administrator within four months after the date of this Notice or the claims will be barred. Dated: 9-19-2011 BY THE COURT Shawn Moynihan Judge of District Court (COURT SEAL) Attorneys for Petitioner Robert B. Bauer, Esq. Attorney I.D. 227365 Terrence A. Merritt, Esq. Attorney I.D. 0072151 Severson, Sheldon, Dougherty & Molenda, P.A. 7300 West 147th Street, #600 Apple Valley, MN 55124 Telephone: 952-953-8847 Fax: 952-432-3780 Email: bauerr@ssdmlaw.com 2759583 9/22-9/29/11

PUBLIC NOTICE OF SALE OF PROPERTY TO SATISFY LIEN THEREON That property described as follows, to wit: 50’ Gibson Houseboat, Hull# GBN50078M77H, Registration# MN0085HX, with its tackle, apparel, and furniture or such part thereof or interest therein, as shall be necessary to satisfy the judgment of in the sum of entered on September 19, 2011 in Dakota County Court, Court File No: 19HA-CV-10-3963, together with costs and expenses, will be sold at public auction by Dakota County Sheriff on the 20th day of October, at 10:00 a.m., at River Heights Marina, Inc., 4455 66th Street East, in the City of Inver Grove Heights, County of Dakota, State of Minnesota to pay and satisfy a lien which is claimed to be due thereon from River Heights Marina, Inc. The grounds of said lien are for storage and maintenance of the boat on behalf of Christina M. Johnson as the owner thereof in the amount of $5,319.80 exclusive of expenses of advertising and sale. 2760644 9/22-10/6/11

Notice of Public Sale SS MINNESOTA, LLC, doing business as Simply Self Storage intends to enforce its lien on certain personal property belonging to the following, at the facility. The sale will take place (unless otherwise withdrawn) on Wednesday, October 12, 2011 on or after 9:00 am at the Simply Self Storage location at 801 Ladybird Ln, Burnsville, MN 55337. Phone 952-890-4888. This public sale will result in the goods being sold to the highest bidder. Certain terms and conditions apply. C. Matchett - Unit 446 Mattress, table

PUBLIC NOTICE

NOTICE OF SALE OF GOODS IN STORAGE TO SATISFY WAREHOUSE’S LIEN Notice is hereby given to persons, herein after named and others interested that on 10/18/2011 at 10 o’clock in the AM of sale day, the goods hereafter described will be sold by auction to the highest bidder for cash at: Lake Marion Mini Storage 22595 Pillsbury Avenue Lakeville, MN 55044 Sale will be held in accordance with terms of a notice previously given the persons herein-after named and others interested, and in accordance with the lien herewith and such other charges as are valid lien against said goods, and for expenses of advertising said sale. The name of the owners or persons whose account said goods are held in storage and a description of the goods is as follows:

NOTICE OF SALE OF PERSONAL PROPERTY TO SATISFY LIEN THEREON NOTICE IS HEREBY GIVEN that the personal property described as follows: 1975 STRA manufactured home, VIN #540AB currently located at 7114 126TH Street Court, 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 28th day of October, 2011 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 Penny J. Kuechenmeister (a/k/a Penny Ness) (03/30/1963), and Dakota County CDA as the owner(s) thereof to: Hometown Homes in the sum of Three-Thousand, Five-Hundred, Seventy-Two Dollars and 34/100 ($3,572.34) computed to the day of said sale, exclusive of the expenses of said sale and of the advertising thereof, together with the necessary expenses of advertising and making said sale; and that the grounds of said lien are storage of and care for tenant's personal property remaining on landlord's premises following abandonment by tenant. Dated: September 14, 2011 ______________________ Carol Williams, Agent Hometown Homes 2769282 9/29-10/13/11

PUBLIC NOTICE

NOTICE OF AND ORDER FOR HEARING ON PETITION FOR FORMAL ADJUDICATION OF INTESTACY, DETERMINATION OF HEIRS, FORMAL APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT Court File No.: 19HA-PR-11-540 In Re: Estate of Michael Gene Hofer, Decedent. It is Ordered and Notice is given that on 10-24-11 at 9:00 a.m., a hearing will be held at the Dakota County Judicial Center, located at 1560 Highway 55 Hastings, Minnesota, on a petition for the adjudication of intestacy and determination of decedent’s heirs, and for the appointment of Michael Hofer, whose address is 5240-36th Avenue South, Minneapolis, Minnesota 55417, as personal representative of the decedent’s estate in an unsupervised administration. Any objections to the petition must be raised at the hearing or filed with the Court prior to the hearing. If the petition is proper and no objections are filed or raised, the personal representative will be appointed with the full power to administer the decedent’s estate, including the power to collect all assets; to pay all legal debts, claims, taxes, and expenses; to sell real and personal property; and to do all necessary acts for the decedent’s estate. Notice is further given that, subject to Minn. Stat. § 524.3-801, all creditors having claims against the decedent’s estate are required to present the claims to the personal representative or to the Court within four (4) months after the date of this notice or the claims will be barred. Dated: 9/13/11 BY THE COURT Shawn Moynihan Judge of District Court Attorney for Petitioner: Meyer & Njus, P.A. Neil M. Meyer, #72539 Jeanine L. Johnson, #0386790 (JLJ) 1100 U.S. Bank Plaza 200 South Sixth Street Minneapolis, MN 55402 Telephone: (612) 341-2181 Facsimile: (612) 337-5894 E-Mail: nmyer@meyernjus.com E-Mail: jjohnson@nmeyernjus.com 2753862 9/22-9/29/11

S. Amundsen - Unit 526 Misc. boxes, bench, mattress, leather couch J. Melich - Unit 604c Couch, misc. boxes M. Titino - Unit 622d Misc. household items 2749740 9/22-9/29/11

PUBLIC NOTICE

Household Goods Bud Manias $270.00 Household Goods Jeffrey Fecke $405.00 Household Goods Linnette Arndt $490.00 Household Goods Luther Morgan $235.00 Household Goods Leslie/Thomas Winslow $380.00 2766602 9/29-10/6/11

PUBLIC NOTICE

NOTICE AND ORDER OF HEARING ON PETITION FOR PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA FIRST JUDICIAL DISTRICT DISTRICT COURT PROBATE DIVISION Court File No. 19HA-PR-11-544 Estate of Melvin James Schultz, Decedent. It is Ordered and Notice is given that on October 24, 2011, at 9:00 a.m., a hearing will be held in this Court at Hastings, Minnesota, for the formal probate of an instrument purporting to be the Will of Decedent, dated May 30, 1995, (“Will”), and for the appointment of James Francis Schultz, Jr., whose address is 170 Kyle Smith Court, Winston-Salem, North Carolina 27127, as Personal Representative of the Estate of the Decedent in an UNSUPERVISED administration. Any objections to the petition must be filed with the Court prior to or raised at the hearing. If proper and if no objections are filed or raised, the Personal Representative will be appointed with full power to administer the Estate including the power to collect all assets, to pay all legal debts, claims, taxes and expenses, to sell real and personal property, and to do all necessary acts for the Estate. Notice is also given that (subject to Minn. Stat. 524.3-801) all creditors having claims against the Estate are required to present the claims to the Personal Representative or to the Court Administrator within four months after the date of this Notice or the claims will be barred. Dated: 9/14/11 BY THE COURT Shawn M. Moynihan Judge of District Court (COURT SEAL) Attorney for Petitioner Erin E. Boerschel, ID #388595 Emily Fox Williams, ID #0297720 Robert B. Bauer, ID #227365 Severson, Sheldon, Dougherty & Molenda, P.A. 7300 West 147th Street, Suite 600 Apple Valley, Minnesota 55124 Telephone: (952) 953-8830 Fax: (952) 432-3780 Email: boerschelc@ssdmlaw.com 2756507 9/22-9/29/11

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: Sherry’s Child Care 2. State the address of the principal place of business: 17000 Fieldcrest Ave., Farmington, MN 55024 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. Sherry A. Goblirsch, 17000 Fieldcrest Ave., Farmington, MN 55024 4. I, the undersigned, certify that I am signing this document as the person whose signature is required, or as agent of the person(s) whose signature would be required who has authorized me to sign this document on his/her behalf, or in both capacities. I further certify that I have completed all required fields, and that the information in this document is true and correct and in compliance with the applicable chapter of Minnesota Statutes. I understand that by signing this document I am subject to the penalties of perjury as set forth in Section 609.48 as if I had signed this document under oath. Date: 5-31-11 Sherry A. Goblirsch - Owner 2759145 9/22-9/29/11P

PUBLIC NOTICE

ORDER TO SHOW CAUSE STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT COURT FILE NO. 19HA-CV-11-4542 In the Matter of the Petition of: PNC Bank, National Association, in Relation to Certificate of Title No. 145070 issued for land in the County of Dakota and State of Minnesota legally described as follows: Lots Sixteen (16) and Seventeen (17) in Block Twenty (20) in Lorraine Park Addition to the City of South St. Paul, according to the plat thereof on file and of record in the office of the Registrar of Title in and for Dakota County, Minnesota. TO: NHIA Y. YANG; LEE CHANG; MAIKAO XIONG; 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 9th day of November, 2011, 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. 145070 and enter a new Certificate of Title for the land therein described in favor of PNC Bank, National Association, subject to the memorial of Document No. 38318 but free from all other memorials now appearing in the present Certificate of Title, the last of which is Document No. 674891, and free also from the Memorial of this Order. IT IS FURTHER ORDERED, that this Order be served: a) at least 10 days prior to such 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 prior to such hearing upon any of the above named nonresidents by sending a copy of this Order to such nonresident at his post office address, by registered or certified mail, return receipt; 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 prior to the hearing by first class mail to such party at this last known address and by sending another copy of this Order at least 14 days prior to the hearing by first class mail to his address as stated on the Certificate of Title if an address is so stated. DATED: 9/7/11 BY THE COURT: David Knutson Judge of District Court APPROVED: JAMES P. O’CONNELL EXAMINER OF TITLES BY: /s/ JAMES P. O’CONNELL Attorney for Petitioner: Adam Soczynski Usset, Weingarden & Liebo, PLLP 4500 Park Glen Road #300 Minneapolis, MN 55416 Attendance is not required at said hearing except to object to the entry of the above described Order. 2766114 9/29-10/6/11

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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 15, 2003 MORTGAGORS: Daniel Radmacher and Julia A. Radmacher f/k/a Julia A. DeBeer, husband and wife. MORTGAGEE: ABN AMRO Mortgage Group, Inc. n/k/a CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Recorded July 23, 2003, Dakota County Recorder, Document No. 2082554. 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: 14187 Dekalb Avenue, Rosemount, MN 55068 TAX PARCEL I.D. #: 341830001330 LEGAL DESCRIPTION OF PROPERTY: Lot 33, Block 1, Country Hills First Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $121,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $99,538.16 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: September 27, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on March 27, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, 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: August 1, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-6294 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 1, 2011 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: September 26, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-6294 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2767759 9/29/11

PUBLIC NOTICE

NOTICE OF AND ORDER FOR HEARING ON PETITION FOR DETERMINATION OF DESCENT STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT Court File No.: 19HA-PR-11-562 In Re: Estate of ROBERT JEFFREY OLSON, Decedent. Terrilee A. Olson has filed a Petition for Determination of Descent. It is Ordered that on October 24, 2011, at 9:00 a.m., a hearing will be held in this Court at 1560 Highway 55, Hastings, Minnesota, 55033, on the petition. The petition represents that the decedent died more than three (3) years ago leaving property in Minnesota. The petition requests the Court determine the descent of such property and assign the property to the persons entitled. Any objections to the petition must be raised at the hearing or filed with the Court prior to the hearing. If the petition is proper and no objections are filed or raised, the petition will be granted. Notice shall be given by publishing this Notice and Order as provided by law and by mailing a copy of this Notice and Order to each interested person by United States mail at least 14 days before the time set for the hearing. Dated: 9/22/11 BY THE COURT Richard G. Spicer Judge of District Court The Engel Firm, PLLC Matthew A. Engel, Esq. MN #315400 333 Washington Avenue North, Suite 300 Minneapolis, MN 55401 Telephone: 612-373-7060 Facsimile: 612-465-6211 e-mail: matt@theengellawfirm.com 2765412 9/29-10/6/11P

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-11-555 In Re: Estate of Edward G. Rechtzigel, Jr., Decedent. Notice is given that an Application for Informal Probate of Will and Informal Appointment of Personal Representative was filed with the Registrar, along with a Will dated November 26, 1984. The Registrar accepted the application and appointed Edward L. Rechtzigel, III, whose address is 2060 Charlton Street, Apt. 320, West St. Paul, Minnesota 55118, 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: 9/14/11 Richard G. Spicer Judge Virginia A. Dwyer (MN# 123651) Grannis & Hauge, P.A. 1260 Yankee Doodle Road #200 Eagan Minnesota 55121 Telephone: (651) 456-9000 Facsimile: (651) 454-4232 ATTORNEY FOR PERSONAL REPRESENTATIVE 2759640 9/22-9/29/11

PUBLIC NOTICE

AMENDED SUMMONS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT Case Type: Contract Court File No. 19HA-CV-10-5763 _______________________________________ Morgan Square LLC, a Minnesota limited liability company, Plaintiff Lakeville Land, Ltd. Limited Partnership; Theresa Fleming; Scott J. Larsen and Janie D. Larsen; Tiana A. Richardson; Tammy L. Felbab; Stephen K. Tempesta and Kelly Jo Tempesta; Nicholas K. Selimos and Bufi E. Selimos; Dean W. Bruemmer Jr. and Kelsey Bruemmer; EmPark Properties LLC; Kenneth F. Williams and Pamela Johnson; Freddy Diaz; David Aguilera and Ramona A. Aaseby-Aguilera; Jason R. Ramola and Karen T. Ramola; James W. Johnson; Robert H. Kanter; David A. Bester and Lanetha J. Bester; Mary

A. Bester and Lanetha J. Bester; Mary Njambi Ndeqwa; Alexander J. Nelson and Monique Hand; BA Real Estate LLC; Leah E. Arnold, Roy Arnold and Sharon Arnold; Margaret A. Pierce and Edwin W. Heskett; Joy L. Osika; David J. Eng; Richard L. Hanes; Rodney Edlund; Nationstar Mortgage LLC; Douglas F. Aldrich; Zeljko Borkovic; Jeremy Welke; Jennifer Sucha; Laurie M. Jackson; Dane C. Fox; Michael T. Gergen; Kathleen M. Newman & Associates, P.A.; Maryknoll, LLC; Jason D. Grovom; Greg A. Schlosser; Timothy M. Conboy; Kristin K. Ksilander-Larson; Lacey M. Bruner; Keith S. Mendonsa; Phillip S. Carlson and Michelle L. Carlson; Private Bank Minnesota; Kevin J. Mowery and Ashley E. Mowery; Dolphin Enterprises, Inc., a California corporation; Gregory Dulgarian and Irene-Rose Hougasian; Tyler J. Undem and Erica M. Undem; Alan Isaacs and Sheri Isaacs; JoBeth K. Thompson and Scott R. Thompson; Melissa L. Johnson and Trent M. Johnson; Cheryl L. MacLeod; Harry’s Cafe, LLC; Weigh LLC, Muller Family Theatres of Lakeville, LLC; Affordable R & R Services, Inc.; Wells Fargo Bank, N.A.; Affinity Plus Federal Credit Union; Mortgage Electronic Registration Systems Inc.; Bank of America, N.A.; Ohio Savings Bank; Federal National Mortgage Associaton; The First National Bank & Trust Co. of Iron Mountain; Summit Mortgage Corporation; CitiMorgage, Inc; JP Morgan Chase Bank, N.A.; Think Mutual Bank; BAC Home Loans Servicing LP; Robert J. Pond, Trustee of the Robert J. Pond Living Trust dated January 26, 1977; Anchor Bank Saint Paul, NA; First American Bank, National Association; Bremer Bank, National Association; Morgan Square Homewoners Association; the City of Lakeville; Dakota County Community Development Association; and Wal-Mart Real Estate Business Trust, a Delaware Statutory Trust, Defendants _______________________________________ THIS AMENDED SUMMONS IS DIRECTED TO TIANA RICHARDSON; NICHOLAS K. SELIMOS; BUFI E. SELIMOS; DANE C. FOX; JOY L OSIKA; AND ROBERT J. POND, TRUSTEE OR HIS SUCCESSOR TRUSTEE OF THE ROBERT J. POND LIVING TRUST DATED JANUARY 26, 1977. 1. YOU ARE BEING SUED. The Plaintiff has started a lawsuit against you. the Plaintiff's Amended Complaint against you is on filed with the Dakota County Court Administrator’s Office in Hastings, Minnesota. Do not throw these papers away. They are official papers that affect your rights. 2. YOU MUST REPLY WITHIN 10 DAYS TO PROTECT YOUR RIGHTS. You must give or mail to the person who signed this Amended Summons a written response called an Answer within 10 days of the date on which you received this Amended Summons. You must send a copy of your Answer to the Plaintiff’s attorney at the following address: Gavin Law Office, PLC 207 N. Chestnut Street, Suite 150 Chaska, MN 55318 3. YOU MUST RESPOND TO EACH CLAIM. The Answer is your written response to the Plaintiff’s Amended Complaint. In your Answer you must state whether you agree or disagree with each paragraph of the Amended Complaint. If you believe the Plaintiff should not be given everything asked for in the Amended Complaint, you must say so in your Answer. 4. YOU WILL LOSE YOUR CASE IF YOU DO NOT SEND A WRITTEN RESPONSE TO THE AMENDED COMPLAINT TO THE PLAINTIFF’S ATTORNEY WHOSE NAME AND ADDRESS ARE SHOWN IN PARAGRAPH 2 ABOVE. If you do not answer within 10 days, you will lose this case. You will not get to tell your side of the story, and the Court may decide against you and award the Plaintiff everything asked for in the Amended Complaint. if you do not want to contest the claims stated in the Amended Complaint, you do not need to respond. A default judgment can then be entered against you for the relief requested in the Amended Complaint. 5. LEGAL ASSISTANCE. You may wish to get legal help from a lawyer. If you do not have a lawyer, the Court Administrator may have information about places where you can get legal assistance. Even if you cannot get legal help, you must still provide a written Answer to protect your rights or you may lose the case. 6. ALTERNATIVE DISPUTE RESOLUTIO N. The parties may agree to or be ordered to participate in an alternative dispute resolution process under Rule 114 of the Minnesota General Rules of Practice. You must still send your written response to the Amended Complaint even if you expect to use alternative means of resolving this dispute. 7. THIS LAWSUIT MAY AFFECT OR BRING INTO QUESTION TITLE T O R E A L P R O P E R T Y located in Dakota County, State of Minnesota, legally described as follows: Lots 1, 2 and 3, Block 1; Lots 1, 2 and 3, Block 2; Outlots B, C, and D, all in Lakeville Commerce Center; Outlot E, Lakeville Commerce Center (replatted as Morgan Square and Morgan Square 2nd Addition); and The North 660.06 feet of the East 660 feet of the Northeast Quarter of Section 35, Township 114, Range 21. The object of this action is a declaration by the Court of certain rights and obligations under a Declaration of Covenants, Conditions

Declaration of Covenants, Conditions and Restrictions recorded as Document No. 1422893, as amended by Document Nos. 1580119 and 2072626, in the Office of the Dakota County Recorder. GAVIN LAW OFFICE, PLC /s/ Dean G. Gavin, #024683 207 N. Chestnut St., Suite 150 Chaska, MN 55318 (952) 368-4199 James D. Bates, #5265 16670 Franklin Trail SE, Suite 250 Pror Lake, MN 55372 (952) 226-2100 ATTORNEYS FOR PLAINTIFF 2769189 9/29-10/13/1P

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NOTICE OF INFORMAL PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT PROBATE DIVISION FIRST JUDICIAL DISTRICT Court File No. 19HA-PR-11-548 ESTATE OF MILDRED R. ALM, DECEDENT. Notice is given that an application for informal probate of the Decedent’s will dated May 23, 1997, Minn. Stat. 524.2-513 (“Will”), has been filed with the Registrar. The application has been granted. Notice is also given that the Registrar has informally appointed Kenneth A. Magnuson whose address is 4217 Standish Avenue South, Minneapolis, MN 55407 as personal representative of the Estate of the Decedent. Any heir devisee or other interested person may be entitled to appointment as personal representative or may object to the appointment of the personal representative. Unless objections are filed with the Court (pursuant to Minn. Stat. 524.3-607) and the Court otherwise orders, the personal representative has full power to administer the Estate including, after 30 days from the date of issuance of letters, the power to sell, encumber, lease or distribute real estate. Any objections to the probate of the will or appointment of the Personal Representative must be filed with this Court and will be heard by the Court after the filing of an appropriate petition and proper notice of hearing. Notice is also given that (subject to Minn. 524.3-801) all creditors having claims against the Estate are required to present the claims to the personal representative or to the Court Administrator within four months after the date of this Notice or the claims will be barred. Date: 9/14/11 Richard G. Spicer Judge Kent Magnuson Attorney at Law 2445 Third Avenue South, C24 Minneapolis, MN 55417 Telephone: 612-720-5747 Lic. No. 0066436 2755084 9/22-9/29/11P

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NOTICE OF INFORMAL PROBATE OF WILL AND CODICIL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA FIRST JUDICIAL DISTRICT DISTRICT COURT PROBATE COURT DIVISION Court File No. 19HA-PR-11-553 In Re: Estate of Rosemary C. Altenhofen, Deceased. TO ALL INTERESTED PERSONS AND CREDITORS: Notice is hereby given, that an application for informal probate of the above named decedent’s last will, dated July 19, 2002 and codicil, dated July 27, 2007, has been filed with the Registrar herein, and the application has been granted informally probating such will and codicil. Any objections may be filed in the above named court and the same will be heard by the Court upon notice of hearing fixed for such purpose. Notice is hereby further given that informal appointment of Madelon Byrne, whose address is 4173 Running Brook Road, Eagan, MN 55122, as personal representative of the estate of the above named decedent, has been named. 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 and the personal representative is empowered to fully administer the estate including, after 30 days from the date of issuance of her letters, the power to sell, encumber, lease or distribute real estate, unless objections thereto are filed with the Court (pursuant to Section 524.3-607) and the Court otherwise orders. Notice is further given that ALL CREDITORS having claims against said estate are required to present the same to said personal representative or to the Court Administrator within four months after the date of this notice or said claims will be barred. Dated: 9/14/11 Richard G. Spicer Judge Sonja E. Greenwaldt Attorney at Law 5038 34th Avenue South Minneapolis, MN 55417 (612) 721-4488 I.D. #032887X 2756590 9/22-9/29/11

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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-11-534 ESTATE OF Donald Louden a/k/a Donald L. Louden a/k/a Donald LeRoy Louden, 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 October 10, 2011 at 9:00 a.m. by this Court at Dakota County District Court, 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: 9/13/11 Kathryn D. Messerich Judge (COURT SEAL) Attorney For Petitioner Donald J. Fluegel (jym) FLUEGEL LAW FIRM P.A. 999 Westview Drive Suite 1 Hastings, MN 55033 Telephone: 651-438-9777 Fax: 651-438-9775 30405 2752823 9/22-9/29/11

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ORDER AND NOTICE OF HEARING ON PETITION FOR FORMAL PROBATE OF WILL AND CODICIL AND APPOINTMENT OF PERSONAL REPRESENTATIVE IN UNSUPERVISED ADMINISTRATION AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA FIRST JUDICIAL DISTRICT DISTRICT COURT PROBATE DIVISION Court File No. 19HA-PR-11-541 In Re: Estate of NORTHROP DAWSON, JR., Deceased. TO ALL INTERESTED PERSONS AND CREDITORS: It is Ordered and Notice is hereby given that on the 24th day of October, 2011, at 9:00 o’clock a.m., a hearing will be held in the above named Court at 1560 Highway 55, Hastings, Minnesota, for the formal probate of an instrument purporting to be the Last Will and Testament of deceased, dated January 22, 2008 and First Codicil dated September 23, 2008, and for the appointment of Erna G. Dawson, whose address is 1164 Kingsley Court South, Mendota Heights, Minnesota 55118 as personal representative of the estate of the above named decedent in unsupervised administration, and that any objections thereto must be filed with the Court. That, if proper, and no objections are filed, a personal representative will be appointed to administer the estate, to collect all assets, pay all legal debts, claims, taxes and expenses, and sell real and personal property, and do all necessary acts for the estate. Notice is further given that ALL CREDITORS having claims against said estate are required to present the same to said personal representative or to the Court Administrator within four months after the date of this notice or said claims will be barred. Dated: 9/13/11 Shawn Moynihan Judge (COURT SEAL) Randy J. Sparling (#153023) Felhaber, Larson, Fenlon & Vogt, P.A. 220 South Sixth Street, Suite 2200 Minneapolis, MN 55402-4504 Phone: (612) 373-8425 Fax: (612) 338-4608 E-mail: rsparling@felhaber.com 2754044 9/22-9/29/11

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Assigned to: Deutsche Bank National Trust Company, as Trustee for Argent Securities Inc., Asset-Backed Pass-Through Certificates, Series 2006-W1, sale and servicing agreement dated January 1, 2006. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Argent Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: American Home Mortgage Servicing, Inc MORTGAGED PROPERTY ADDRESS: 8805 Brunell Way #1705, Inver Grove Heights, MN 55076 TAX PARCEL I.D. #: 201177770503 LEGAL DESCRIPTION OF PROPERTY: Unit 1705, CIC No. 306, a Condominium, The Gables at Arbor Pointe, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $152,720.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $171,207.93 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale 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 13, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on April 13, 2012 unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: August 10, 2011. Deutsche Bank National Trust Company, as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 40-3296 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2727930 8/25-9/29/11

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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 23, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $124,000.00 MORTGAGOR(S): Daniel J. Korpi, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for Countrywide Bank, it successors and assigns DATE AND PLACE OF RECORDING: Recorded: June 06, 2005 Dakota County Recorder Document Number: 2328186 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, LP, fka Countrywide Home Loans Servicing, LP Dated: May 05, 2011 Recorded: June 22, 2011 Dakota County Recorder Document Number: 2806565 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1001337-0000645059-0 Lender or Broker: Countrywide Bank Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota

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�� That no action or by statute; required proceeding has been instituted at law �� LOCATED: Dakota Property Address: 7597 Whitney Dr, Apple Valley, MN 55124-5406 Tax Parcel ID Number: 01.77000.03.060 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 3, Townhouse 4th Addition, according to the recorded plat thereof, and situated in Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $153,871.41 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale 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 07, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 09, 2012, or the next business day if April 09, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: August 25, 2011 ASSIGNEE OF MORTGAGEE: Bank Of America, N.A., Successor By Merger To BAC Home Loans Servicing, L.P., FKA Countrywide Home Loans Servicing, L.P. Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021897F01 2722525 8/25-9/29/11

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or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale 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 7, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on April 9, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: August 10, 2011. Liberty Savings Bank, FSB Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-2456 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2727947 8/25-9/29/11

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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, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $404,000.00 MORTGAGOR(S): Alan G. Keiran and Mary Jane Keiran, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for Home Capital, Inc. DATE AND PLACE OF RECORDING: Recorded: January 17, 2007 Dakota County Recorder Document Number: 2488942 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 Inc., Asset-backed Certificates, Series 2007-6 Dated: August 04, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100178020060937150 Lender or Broker: Home Capital, Inc. Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 7820 200th St W, Lakeville, MN 55044-9125 Tax Parcel ID Number: 22.02800.01.022 LEGAL DESCRIPTION OF PROPERTY: The West 660.00 feet of the East 1980.00 feet of the North 660.00 feet of the North-half (N 1/2) of the Northeast Quarter (NE 1/4) of Section Twenty-eight (28), Township One Hundred Fourteen (114), Range Twenty (20), according to the Government Survey thereof. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $530,151.19 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: October 07, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the 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 April 09, 2012, or the next business day if April 09, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: August 25, 2011 ASSIGNEE OF MORTGAGEE: The Bank Of New York Mellon fka The Bank Of New York, as Trustee For The Certificateholders Of CWABS Inc., Asset-backed Certificates, Series 2007-6 Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 017376F02 2720389 8/25-9/29/11

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SUMMONS STATE OF WISCONSIN POLK COUNTY CIRCUIT COURT Real Estate Mortgage Foreclosure Case No. 11 CV 526 Honorable Molly E. GaleWyrick Case Code: 30404 Ocwen Loan Servicing, LLC Plaintiff Vs Bonita M. Kettula Richard L. Kettula U.S. Bank National Association ND Defendants _______________________________________ THE STATE OF WISCONSIN To the following party named as a defendant herein: Bonita M. Kettula / Richard L. Kettula You are hereby notified that the plaintiff named above has filed a lawsuit or other legal action against you. The complaint, which is also served on you, states the nature and the basis of the legal action. Within 40 days after September 29, 2011 you must respond with a written answer, as that term is used in Chapter 802 of the Wisconsin Statutes, to the complaint. The court may reject or disregard an answer that does not follow the requirements of the statutes. The answer must be sent or delivered to the court, whose address is: Polk County Clerk of Circuit Court, Polk County Justice Center 1005 West Main Street, Suite 300 Balsam Lake, WI 54810-9071 and to Marie M. Flannery / Blommer Peterman, S.C., plaintiff's attorney, whose address is: Blommer Peterman, S.C. 165 Bishops Way Brookfield, WI 53005 You may have an attorney help or represent you. If you do not provide a proper answer within 40 days, the court may grant judgment against you for the award of money or other legal action requested in the complaint, and you may lose your right to object to anything that is or may be incorrect in the complaint. A judgment may be enforced as provided by law. A judgment awarding money may become a lien against any real estate you own now or in the future, and may also be enforced by garnishment or seizure of property. Dated this 13th day of September, 2011 Marie M. Flannery/ Blommer Peterman, S.C. State Bar No. 1045309 165 Bishops Way Brookfield, WI 53005 262-790-5719 Blommer Peterman, S.C. is the creditor's attorney and is attempting to collect a debt on its behalf. Any information obtained will be used for that purpose. 277188 2760420 9/29-10/13/11P

PUBLIC NOTICE

MORTGAGEE: Mortgage Electronic Registration Systems, Inc.. DATE AND PLACE OF RECORDING: Recorded March 28, 2007, Dakota County Recorder, Document No. 2505943. ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, National Association. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100060677002786341 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Integrity One Mortgage LLC RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 3770 Linden Lane, Eagan, MN 55123 TAX PARCEL I.D. #: 107587826001 LEGAL DESCRIPTION OF PROPERTY: Lot 26, Block 1, The Woodlands Third Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $417,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $426,786.03 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 13, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on April 13, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: August 17, 2011. U.S. Bank, National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-2085 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2726763 8/25-9/29/11

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: $191,200.00 MORTGAGOR(S): Carol Lego and Gary E. Lego, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for Great Northern Financial Group, Inc., its successors and assigns DATE AND PLACE OF RECORDING: Recorded: November 08, 2006 Dakota County Recorder Document Number: 2474182 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, INC., ASSET-BACKED CERTIFICATES, SERIES 2006-25 Dated: July 21, 2011 Recorded: July 29, 2011 Dakota County Recorder Document Number: 2812215 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1002614-9580938151-4 Lender or Broker: Great Northern Financial Group, Inc. Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable

Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 13522 Parkwood Dr, Burnsville, MN 55337-3975 Tax Parcel ID Number: 02.56611.01.120 LEGAL DESCRIPTION OF PROPERTY: Lot 12, Block 1, Parkwood Square 2nd Addition, CIC No. 474, Dakota County, Minnesota. PRIVATE COMMON DRIVEWAY: Lots 10,11,12,13,14,15,16 and 17, Block 1, share a private common driveway over the east 12 feet of Lot 10 and the east 30 feet of Lot 10 lying north of the south 50 feet of Lot 10 and the east 30 feet of Lot 11 and the east 32 feet of Lot 12 and the west 33 feet of Lot 15 and the west 33 feet of Lot 16 and the west 27 feet of Lot 17, in said Block 1. Lots 1 through 17, inclusive, Block 1, share a private common driveway over the southwest 15 feet and south 15 feet of said Lot 1 and that part of said Lot 17 lying north of the south line of the north 15 feet of said Lot 17 and its westerly extension and the east 30.00 feet of Lot 10 lying northerly of the south 50.00 feet of said Lot 10 and that part of Lot 9 lying southeasterly of a line described as beginning at a point on the northeasterly line of said Lot 9 distant 36 feet southeasterly of the most northerly corner of said Lot 9; thence southwesterly to a point on the south line of said Lot 9 distant 87 feet easterly of the most westerly corner of said Lot 9 all in said Block 1. SIDEWALK EASEMENT: The south 10 feet of Lot 12, Block 1, lying easterly of a line drawn northerly at an angle of 90 degrees from the south line of said Lot 12 distant 46 feet easterly of the southeast corner of said Lot 12. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $222,532.27 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: October 07, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 09, 2012, or the next business day if April 09, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: August 25, 2011 ASSIGNEE OF MORTGAGEE: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWABS, INC., ASSET-BACKED CERTIFICATES, SERIES 2006-25 Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021903F01 2722561 8/25-9/29/11

PUBLIC NOTICE

Assigned to: CitiMortgage, Inc.. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100061907000086694 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Summit Home Mortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 18096 Ellice Lane, Farmington, MN 55024 TAX PARCEL I.D. #: 141950101006 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 6, Dakota County Estates 2nd Addition, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $209,905.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $219,254.04 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: October 7, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on _April 9, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: August 10, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-5010 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2727786 8/25-9/29/11

PUBLIC NOTICE

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Lot 18, Block 11, Hepburn Park Addition to the City of South St. Paul except the South 1.04 Feet thereof, according to the recorded plat thereof, and situate in Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $151,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $136,267.00 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: October 7, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on April 9, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: August 12, 2011. U.S. Bank, National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-2730 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2726461 8/25-9/29/11

PUBLIC NOTICE

NOTICE AND ORDER OF HEARING ON PETITION FOR PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT PROBATE DIVISION FIRST JUDICIAL DISTRICT Court File No. 19HA-PR-11-546 ESTATE OF Randall Scott Pedersen, DECEDENT It is Ordered and Notice is given that on October 24, 2011 at 9:00 a.m., a hearing will be held in this Court at 1560 Highway 55, Hastings MN 55033, Minnesota, for the formal probate of an instrument purporting to be the will of Decedent, dated April 12, 1978, and for the appointment of Nancy C. Pedersen whose address is: 15799 Harwell Avenue, Apple Valley, Minnesota 55124 as personal representative of the Estate of the Decedent in an UNSUPERVISED administration. Any objections to the petition must be filed with the Court prior to or raised at the hearing. If proper and if no objections are filed or raised, the personal representative will be appointed with full power to administer the Estate, including the power to collect all assets, pay all legal debts, claims, taxes and expenses, to sell real and personal property, and do all necessary acts for the Estate. Notice is also given that (subject to Minn. Stat. 524.3-801) all creditors having claims against the Estate are required to present the claims to the personal representative or to the Court Administrator within four months after the date of this Notice or the claims will be barred. Dated: 9/14/11 Shawn M. Moynihan Judge (COURT SEAL) Attorney For Personal Representative Ronald M. Otten Kalina, Wills, Gisvold & Clark, P.L.L.P. 6160 Summit Drive Suite 560 Minneapolis, MN 55430 612-789-9000 763-503-7070 (FAX) Attorney ID# 146821 2756451 9/22-9/29/11

PUBLIC NOTICE

NOTICE OF INFORMAL PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT PROBATE DIVISION FIRST JUDICIAL DISTRICT Court File No. 19HA-PR-11-549 ESTATE OF Norman A. Piker, DECEDENT Notice is given that an application for informal probate of the Decedent’s will dated June 23, 2011, under Minn. Stat. 524.2-513 (“Will”), has been filed with the Registrar. The application has been granted. Notice is also given that the Registrar has informally appointed Houene Piker whose address is: 330 - 157th St. West, Burnsville, MN 55306 as personal representative of the Estate of the Decedent. Any heir, devisee or other interested person may be entitled to appointment as personal representative or may object to the appointment of the personal representative. Unless objections are filed with the Court (pursuant to Minn. Stat. 524.3-607) and the Court otherwise orders, the personal representative has full power to administer the Estate including, after 30 days from the date of issuance of letters, the power to sell, encumber, lease or distribute real estate. Any objections to the probate of the will or appointment of the Personal Representative must be filed with this Court and will be heard by the Court after the filing of an appropriate petition and proper notice of hearing. Notice is also given that (subject to Minn. 524.3-801) all creditors having claims against the Estate are required to present the claims to the personal representative or to the Court Administrator within four months after the date of this Notice or the claims will be barred. Date: 9/14/11 Richard G. Spicer Judge Attorney For Personal Representative Shauna F. Kieffer Ford Law Office 32 - 10th Ave. So. Suite 101 Hopkins, MN 55343 952-935-0304 0389362 2755750 9/22-9/29/11

PUBLIC NOTICE

NOTICE AND ORDER OF HEARING ON PETITION FOR PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF Dakota DISTRICT COURT PROBATE DIVISION First JUDICIAL DISTRICT Court File No. 19HA-PR-11-537 ESTATE OF Patrick M. Walsh a/k/a Patrick Michael Walsh, DECEDENT It is Ordered and Notice is given that on 10-24-11, at 9:00 a.m. a hearing will be held in this Court at Dakota County Government Center, 1560 Highway 55, Hastings, Minnesota, for the formal probate of an instrument purporting to be the will of Decedent, dated February 8, 2011, and for the appointment of Timothy R. Walsh whose address is: 8325 Allegheny Grove Blvd., Victoria, MN 55386 as personal representative of the Estate of the Decedent in an UNSUPERVISED administration. Any objections to the petition must be filed with the Court prior to or raised at the hearing. If proper and if no objections are filed or raised, the personal representative will be appointed with full power to administer the Estate, including the power to collect all assets, pay all legal debts, claims, taxes and expenses, to sell real and personal property, and do all necessary acts for the Estate. Notice is also given that (subject to Minn. Stat. 524.3-801) all creditors having claims against the Estate are required to present the claims to the personal representative or to the Court Administrator within four months after the date of this Notice or the claims will be barred. Date: 9/13/11 Shawn Moynihan Judge (COURT SEAL) Attorney For Personal Representative James M. Burkhardt Attorney at Law 215 Fourth Street North Cannon Falls, MN 55009 507-263-3921 Attorney I.D. 13286 2753723 9/22-9/29/11P

PUBLIC NOTICE

ASSIGNMENTS OF MORTGAGE: Assigned to: TCF Mortgage Corporation. And thereafter assigned to: Mortgage Electronic Registration Systems, Inc. And thereafter assigned to: U.S. Bank, National Association. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100137510000135477 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Lakeland Mortgage Corp. RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 469 Tiffany Drive, Hastings, MN 55033 TAX PARCEL I.D. #: 191640011001 LEGAL DESCRIPTION OF PROPERTY: Lot 11, Block 1, Cari Park, according to the recorded plat thereof, and situate in Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $126,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $120,428.78 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: October 13, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on April 13, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: August 15, 2011. U.S. Bank, National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-1358 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2726572 8/25-9/29/11

PUBLIC NOTICE

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $125,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $111,709.52 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 13, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on April 13, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: August 18, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-6329 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2727714 8/25-9/29/11

PUBLIC NOTICE

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�� 55, Lobby #S-100, Hastings, MN FINANCIAL OBLIGATION ON MORT to pay the debt then secured by said GAGE: None "THE TIME ALLOWED BY LAW FOR Mortgage, and taxes, if any, on said premises, and the costs and disburse- REDEMPTION BY THE MORTGAGOR, 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 THE MORTGAGOR'S PERSONAL REPallowed by law subject to redemption RESENTATIVES OR ASSIGNS, MAY BE within six (6) months from the date of REDUCED TO FIVE WEEKS IF A JUDIsaid sale by the mortgagor(s), their CIAL ORDER IS ENTERED UNDER personal representatives or assigns MINNESOTA STATUTES, SECTION unless reduced to Five (5) weeks under 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G MN Stat. §580.07. OTHER THINGS, THAT THE MORTTIME AND DATE TO VACATE PROP- GAGED PREMISES ARE IMPROVED E R T Y : I f t h e r e a l e s t a t e i s a n WITH A RESIDENTIAL DWELLING OF owner-occupied, single-family dwell- LESS THAN FIVE UNITS, ARE NOT ing, unless otherwise provided by law, PROPERTY USED IN AGRICULTURAL the date on or before which the mort- P R O D U C T I O N , A N D A R E gagor(s) must vacate the property if the ABANDONED." Dated: August 17, 2011. mortgage is not reinstated under secCitibank, N.A. tion 580.30 or the property is not Mortgagee/Assignee of Mortgagee redeemed under section 580.23 is 11:59 p.m. on April 13, 2012, unless USSET, WEINGARDEN AND LIEBO, P.L.L.P. the redemption period is reduced to 5 Attorneys for Mortgagee/Assignee of weeks under MN Stat. Secs. 580.07 or Mortgagee 582.032. 4500 Park Glen Road #300 MORTGAGOR(S) RELEASED FROM Minneapolis, MN 55416 FINANCIAL OBLIGATION ON MORT- (952) 925-6888 11-126 GAGE: None "THE TIME ALLOWED BY LAW FOR THIS IS A COMMUNICATION FROM REDEMPTION BY THE MORTGAGOR, A DEBT COLLECTOR. 8/25-9/29/11 THE MORTGAGOR'S PERSONAL REP- 2727745 RESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER NOTICE OF ASSESSMENT LIEN MINNESOTA STATUTES, SECTION FORECLOSURE SALE 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORT- Date: September 8, 2011 YOU ARE NOTIFIED THAT: GAGED PREMISES ARE IMPROVED 1. Default has occurred in the terms WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT and conditions of the Restated DeclaPROPERTY USED IN AGRICULTURAL ration for Coachman Highlands TownP R O D U C T I O N , A N D A R E homes Owners Association (hereinafter the "Association") which was ABANDONED." recorded as Document No. 1978040 on Dated: August 15, 2011. December 27, 2002, in the Office of the U.S. Bank, National Association Dakota County Recorder and also, Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. pursuant to Minn. Stat. §515B.3-116, 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 65, Mortgagee Block 1, Coachman Highlands, CIC 4500 Park Glen Road #300 No. 390, Dakota County, Minnesota Minneapolis, MN 55416 S T R E E T A D D R E S S : 3238 Ever(952) 925-6888 green Drive, Eagan, MN 55122 19-2805 TAX PARCEL ID NUMBER: THIS IS A COMMUNICATION FROM 10-18075-01-650 A DEBT COLLECTOR. 2. Pursuant to said Restated Declara2727771 8/25-9/29/11 tion, there is claimed to be due and owing as of September 8, 2011, from Dominic C. Krebsbach and Valeri J. NOTICE OF MORTGAGE Krebsbach, title holders, to the AssoFORECLOSURE SALE ciation, a Minnesota non-profit corpoTHE RIGHT TO VERIFICATION ration, the amount of $4,360.00 for OF THE DEBT AND IDENTITY OF unpaid association dues, late fees, THE ORIGINAL CREDITOR WITHIN attorneys fees and costs, plus any THE TIME PROVIDED BY LAW IS other such amounts that will accrue NOT AFFECTED BY THIS ACTION. after September 8, 2011, and other NOTICE IS HEREBY GIVEN, that costs of collection and foreclosure default has occurred in conditions of which will be added to the amount the following described mortgage: claimed due and owing at the time of DATE OF MORTGAGE: J a n u a r y 1 8 , the sale herein. 2005 3. No action is now pending at law or MORTGAGORS: Wade Ohlhauser and otherwise to recover said debt or any Sharon Ohlhauser, husband and wife. part thereof. MORTGAGEE: Citibank, N.A. s/b/m 4. That all preforeclosure requireCitibank Federal Savings Bank. ments have been met. DATE AND PLACE OF RECORDING: 5. T h e o w n e r s h a v e n o t b e e n Recorded March 17, 2005, Dakota released from their financial obligaC o u n t y R e c o r d e r , D o c u m e n t N o . tion to pay said amount. 2305180. 6. The Restated Declaration, referASSIGNMENTS OF MORTGAGE: e n c e d a b o v e , a n d M i n n . S t a t . NONE §§515B.3-115 and 515B.3-116 provide TRANSACTION AGENT: NONE for a continuing lien against the propT R A N S A C T I O N A G E N T ' S M O R T - erty. A Notice of Lien evidencing the GAGE IDENTIFICATION NUMBER ON amount due was recorded on March MORTGAGE: NONE 18, 2011, as Document No. 2791821 in LENDER OR BROKER AND MORT- the Dakota County Recorder's Office. GAGE ORIGINATOR STATED ON 7. Pursuant to the power of sale conMORTGAGE: Citibank, N.A. s/b/m Cit- tained in the same Restated Declaraibank Federal Savings Bank tion and granted by the owner in takR E S I D E N T I A L M O R T G A G E S E R - ing title to the premises subject to said VICER: Citi Home Equity Restated Declaration and pursuant to MORTGAGED PROPERTY ADDRESS: M i n n . S t a t . § § 5 1 5 B . 3 - 1 1 5 a n d 14347 Estates Avenue, Apple Valley, 515B.3-116, said Lien will be foreMN 55124 closed by the sale of said property by TAX PARCEL I.D. #: 015750801260 the Sheriff of Dakota County, at the LEGAL DESCRIPTION OF PROP- Dakota County Sheriffs Office, Dakota ERTY: County Law Enforcement Center, 1580 Lot 26, Block 1, Pilot Knob Estates Highway 55 Lobby S-100, Hastings, MN Ninth Addition 55033, on the 15th day of November, COUNTY IN WHICH PROPERTY IS 2011, at 10:00 a.m. at public aucLOCATED: Dakota tion to the highest bidder, to pay the ORIGINAL PRINCIPAL AMOUNT OF amount then due for said assessMORTGAGE: $36,000.00 ments, together with the costs of foreAMOUNT DUE AND CLAIMED TO BE closure, including attorneys fees as DUE AS OF DATE OF NOTICE, INCLUD- allowed by law. ING TAXES, IF ANY, PAID BY MORT8. T h e t i m e a l l o w e d b y l a w f o r GAGEE: $31,510.67 redemption by the unit owners, their That prior to the commencement of personal representatives or assigns is this mortgage foreclosure proceeding six (6) months from the date of sale. Mortgagee/Assignee of Mortgagee com- The date and time to vacate the plied with all notice requirements as property is 11:59 p.m. on May 15, required by statute; That no action or 2012, if the account is not reinproceeding has been instituted at law stated or the owners do not redeem 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 from the foreclosure sale. secured by said mortgage, or any part REDEMPTION NOTICE thereof; THE TIME ALLOWED BY LAW PURSUANT to the power of sale con- FOR REDEMPTION BY THE MORTtained in said mortgage, the above G A G O R S , T H E M O R T G A G O R S ' described property will be sold by the PERSONAL REPRESENTATIVES OR Sheriff of said county as follows: ASSIGNS, MAY BE REDUCED TO DATE AND TIME OF SALE: October F I V E W E E K S I F A J U D I C I A L 13, 2011 at 10:00 AM ORDER IS ENTERED UNDER MINPLACE OF SALE: S h e r i f f ' s O f f i c e , N E S O T A S T A T U T E S , S E C T I O N Law Enforcement Center, 1580 Hwy 582.032, DETERMINING, AMONG 55, Lobby #S-100, Hastings, MN OTHER THINGS, THAT THE to pay the debt then secured by said M O R T G A G E D P R E M I S E S A R E Mortgage, and taxes, if any, on said IMPROVED WITH A RESIDENTIAL premises, and the costs and disburse- DWELLING OF LESS THAN FIVE 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 UNITS, ARE NOT PROPERTY USED allowed by law subject to redemption IN AGRICULTURAL PRODUCTION, within six (6) months from the date of AND ARE ABANDONED. said sale by the mortgagor(s), their 9. THIS IS A COMMUNICATION FROM personal representatives or assigns A DEBT COLLECTOR ATTEMPTING TO unless reduced to Five (5) weeks under COLLECT A DEBT. ANY INFORMAMN Stat. §580.07. TION OBTAINED WILL BE USED FOR TIME AND DATE TO VACATE PROP- THAT PURPOSE. ERTY: If the real estate is an COACHMAN HIGHLANDS owner-occupied, single-family dwellTOWNHOMES ing, unless otherwise provided by law, OWNERS ASSOCIATION the date on or before which the mort- Attorneys for Coachman Highlands gagor(s) must vacate the property if the Townhomes Owners Association mortgage is not reinstated under sec- THOMSEN & NYBECK, P.A. tion 580.30 or the property is not /s/ Gretchen S. Schellhas (#195595) redeemed under section 580.23 is 3600 American Blvd. West, Suite 400 11:59 p.m. on April 13, 2012, unless Bloomington, Minnesota 55431 the redemption period is reduced to 5 (952) 835-7000 weeks under MN Stat. Secs. 580.07 or (Coachman Highlands/krebsbach/ 10-7-821D) 2758790 9/22-10/27/11 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORT- ��

PUBLIC NOTICE

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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 25, 2005 MORTGAGORS: Jeffrey G. Anderson and Denise M. Anderson, husband and wife. MORTGAGEE: Prism Mortgage Inc. DATE AND PLACE OF RECORDING: Recorded May 25, 2005, Dakota County Recorder, Document No. 2325281. ASSIGNMENTS OF MORTGAGE: Assigned to: Fifth Third Mortgage Company. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Prism Mortgage Inc. RESIDENTIAL MORTGAGE SERVICER: Fifth Third Mortgage Company MORTGAGED PROPERTY ADDRESS: 1006 Trillium Court, Eagan, MN 55123 TAX PARCEL I.D. #: 104509401070 LEGAL DESCRIPTION OF PROPERTY: Lot 7, Block 1, Lexington Pointe Tenth Addition, according to the recorded plat thereof, and situate in 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: $246,456.01 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: September 22, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on March 22, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: July 28, 2011. Fifth Third Mortgage Company Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 67-174 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 3, 2011 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: September 26, 2011. Fifth Third Mortgage 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 67-174 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2767918 9/29/11

PUBLIC NOTICE PUBLIC NOTICE

NOTICE AND ORDER OF HEARING ON PETITION FOR PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA FIRST JUDICIAL DISTRICT DISTRICT COURT PROBATE DIVISION Court File No. 19HA-PR-11-533 Estate of Marceline Virginia Schultz, a/k/a Virginia Schultz, Decedent. It is Ordered and Notice is given that on October 24, 2011, at 9:00 am, a hearing will be held in this Court at Hastings, Minnesota, for the formal probate of an instrument purporting to be the Will of Decedent, dated May 30, 1995, (“Will”), and for the appointment of James Francis Schultz, Jr., whose address is 170 Kyle Smith Court, Winston-Salem, North Carolina 27127, and Leah Adams, whose address is 2205 M Street Northeast, Unit A, Auburn, Washington 98002, as Co-Personal Representatives of the Estate of the Decedent in an UNSUPERVISED administration. Any objections to the petition must be filed with the Court prior to or raised at the hearing. If proper and if no objections are filed or raised, the Personal Representative will be appointed with full power to administer the Estate including the power to collect all assets, to pay all legal debts, claims, taxes and expenses, to sell real and personal property, and to do all necessary acts for the Estate. Notice is also given that (subject to Minn. Stat. 524.3-801) all creditors having claims against the Estate are required to present the claims to the Personal Representative or to the Court Administrator within four months after the date of this Notice or the claims will be barred. Dated: Sept. 21, 2011 BY THE COURT Kathryn D. Messerich Judge of District Court (COURT SEAL) Attorney for Petitioner Erin E. Boerschel, ID #388595 Emily Fox Williams, ID #0297720 Robert B. Bauer, ID #227365 Severson, Sheldon, Dougherty & Molenda, PA. 7300 West 147th Street, Suite 600 Apple Valley, Minnesota 55124 Telephone: (952) 953-8830 Fax: (952) 432-3780 Email: boerschele@ssdmlaw.com 2762049 9/29-10/6/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE DATE: September 7, 2011 YOU ARE NOTIFIED THAT: 1. Default has occurred in the conditions of the Mortgage dated 02/02/2011 executed by Darrah L. Williams (“Mortgagor”) to Williams Family Trust Dated July 14, 1994 (“Mortgagee ” ) a n d recorded on 02/03/2011, as Document Number 2784126, in the Office of the County Recorder Dakota County, Minnesota. 2. The Mortgage has been assigned as follows: Not applicable. 3. The original principal amount secured by the Mortgage was: One Hundred Twenty Thousand Seven Hundred Dollars ($120,700.00). 4. No action or proceeding at law is now pending to recover the debt secured by the Mortgage, or any part thereof. 5. The holder of the Mortgage has complied with all conditions precedent to acceleration of the debt secured by the Mortgage and foreclosure of the Mortgage, and all notice and other requirements of application statutes. 6. At the date of this notice the amount due on the Mortgage, and taxes, if any, paid by the holder of the Mortgage is: One Hundred Twenty-two Thousand Eight Hundred Seventeen & 25/100 Dollars ($122,817.25). 7. Pursuant to the power of sale in the Mortgage, the Mortgage will be foreclosed, and the land described as follows: Lot 7, Block 5, Whitewood Addition, according to the plat thereof on file in the office of the County Recorder, Dakota County, Minnesota; will be sold by the County Sheriff of Dakota County, Minnesota, at public auction on 11/15/2011, 10:00, a.m., at Law Enforcement Center, 1580 Highway 55, Hastings, Minnesota, 55033. 8. The time allowed by law for redemption by Mortgagor or Mortgagor’s personal representatives or assigns is six months after 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 PRODUCTION, AND ARE ABANDONED. Attorney for Mortgagee or Assignee of Mortgage /s/ Loren Gross 8609 Lyndale Ave. So., Ste. 214 Bloomington, MN 55420 2745693 9/15-10/20/11

NOTICE AND ORDER OF HEARING ON PETITION FOR PROBATE OF LOST WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT PROBATE DIVISION FIRST JUDICIAL DISTRICT Court File No. 19HA-PR-11-561 ESTATE OF GLENN McTIER, DECEDENT It is Ordered and Notice is given that on October 24, 2011 at 9:00 a.m. a hearing will be held in this Court at 1560 Highway 55, Hastings, Minnesota 55033, Minnesota, for the formal probate of an instrument purporting to be the will of Decedent, dated January 4, 2001, and for the appointment of Rochell W. McTier whose address is: 15108 LacLavon Drive, Burnsville, MN 55306 as personal representative of the Estate of the Decedent in an UNSUPERVISED administration. Any objections to the petition must be filed with the Court prior to or raised at the hearing. If proper and if no objections are filed or raised, the personal representative will be appointed with full power to administer the Estate, including the power to collect all assets, pay a l l l e g a l d e b t s , c l a i m s , t a x e s a nd expenses, to sell real and personal property, and do all necessary acts for the Estate. Notice is also given that (subject to Minn. Stat. 524.3-801) all creditors having claims against the Estate are required to present the claims to the personal representative or to the Court Administrator within four months after the date of this Notice or the claims will be barred. Date: 9/23/11 Tim D. Wermager Judge (COURT SEAL) Attorney For Personal Representative JENNIFER S. ANDERSON THIEL, CAMPBELL, GUNDERSON and ANDERSON, P.L.L.P. 7300 Metro Blvd #630 Minneapolis, MN 55439-2365 952-920-8448 // 952-920-8334 Reg. No. 149421 #23.893.02 2767013 9/29-10/6/11

PUBLIC NOTICE

NOTICE AND ORDER OF HEARING ON PETITION FOR FORMAL ADJUDICATION OF INTESTACY, DETERMINATION OF HEIRSHIP, APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA FIRST JUDICIAL DISTRICT DISTRICT COURT PROBATE DIVISION Court File No. 19HA-PR-11-560 Estate of Duane M. Deutsch, a/k/a Duane Mathew Deutsch, Decedent It is Ordered and Notice is given that on October 24, 2011, at 9:00 a.m., a hearing will be held in this Court at 1560 Highway 55, Hastings, Minnesota, for the adjudication of intestacy and determination of heirship of the Decedent, and for the appointment of Jane E. Deutsch, whose address is 4785 Blaine Avenue, Inver Grove Heights, MN 55076 as Personal Representative of the Estate of the Decedent in an unsupervised administration. Any objections to the petition must be filed with the Court prior to or raised at the hearing. If proper and if no objections are filed or raised, the Personal Representative will be appointed with full power to administer the Estate, including the power to collect all assets, to pay all legal debts, claims, taxes and expenses, to sell real and personal property, and to do all necessary acts for the Estate. Notice is also given that (subject to Minn. Stat. 524.3-801) all creditors having claims against the Estate are required to present the claims to the Personal Representative or to the Court Administrator within four months after the date of this Notice or the claims will be barred. Dated: 9/22/11 BY THE COURT Tim Wermager Judge of District Court Attorney for Petitioner Stephen H. Fochler LeVander, Gillen & Miller, P.A. 633 South Concord Street, Suite 400 South St. Paul, MN, 55075 Attorney License No: 234928 Telephone: (651) 451-1831 FAX: (651) 450-7384 Email: sfochler@levander.com 2764251 9/29-10/6/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE DATE: August 22, 2011 YOU ARE NOTIFIED that default has occurred in the conditions of the following described Mortgage: INFORMATION REGARDING MORTGAGE TO BE FORECLOSED 1. Date of Mortgage: October 23, 2007 2. Mortgagors: Avante LLC 3. Mortgagees: BMO Harris Bank National Association, successorby-merger to M&I Marshall & Ilsley Bank 4. Recording Information: Recorded o n November 29, 2007, as Document Number 2558637, in the Office of the County Recorder of Dakota County, Minnesota 5. Assignments of Mortgage, if any:

5. Assignments of Mortgage, if any: N/A. INFORMATION REGARDING MORTGAGED PREMISES 6. Tax parcel identification number of the mortgaged premises: 02-77285-001-05 7. Legal description of the mortgaged premises: Unit No. 1, CIC No. 473, Parkway Warehouse Condominiums, Dakota County, Minnesota. Check here if all or part of the described real property is Registered (Torrens) 8. The physical street address, city, and zip code of the mortgaged premises: 3451 West Burnsville Parkway, Suite 100, Burnsville, MN 55337 OTHER FORECLOSURE DATA 9. The person holding the Mortgage: is not a transaction agent, as defined by Minn. Stat. 58.02, subd. 30. The name(s) of the residential mortgage servicer and the lender or broker, as defined in Minn. Stat. 58.02, is/are N/A. 10. If stated on the Mortgage, the name of the mortgage originator, as defined in Minn. Stat. 58.02, is N/A. INFORMATION REGARDING FORECLOSURE 11. The requisites of Minn. Stat. 580.02 have been satisfied. 12. The original principal amount secured by the Mortgage was $509,000.00. 13. At the date of this notice the amount due on the Mortgage, including taxes, if any, paid by the holder of the Mortgage, is: $496,868.21. 14. Pursuant to the power of sale in the Mortgage, the Mortgage will be foreclosed, and the mortgaged premises will be sold by the Sheriff of Dakota County, Minnesota, at public auction on Friday, October 14, 2011, 10:00 a.m., at Dakota County Law Enforcement Center, 1580 Highway 55, Hastings, Minnesota 55033. 15. The time allowed by law for redemption by Mortgagor or Mortgagor’s personal representatives or assigns is six (6) months after the date of sale. 16. Minn. Stat. 580.04(b) provides, “If the real estate is an owner-occupied, single-family dwelling, the notice must also specify 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.” If this statute applies, the time to vacate the property is 11:59 p.m. on NOT APPLICABLE. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR’S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, 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. Name of Mortgagee or Mortgage Assignee: BMO Harris Bank National Association successor-by-merger to M&I Marshall & Ilsley Bank 651 Nicollet Mall, Suite 401 Minneapolis, Minnesota 55402-1637 Name and address of Attorney for Mortgagee or Mortgage Assignee: Christensen & Laue, P.A. 5101 Vernon Ave S, Suite 400 Edina, Minnesota 55436 Telephone: (952) 927-8855 2727325 8/25-9/29/11

PUBLIC NOTICE

ING TAXES, IF ANY, PAID BY MORT GAGEE: $230,495.90 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 6, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on __April 6, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: August 10, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-6158 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2727813 8/25-9/29/11

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, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $208,000.00 MORTGAGOR(S): Kristina Marie Avery, a married person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: December 09, 2004 Dakota County Registrar of Titles Document Number: 553906 ASSIGNMENTS OF MORTGAGE: And assigned to: The Bank Of New York Mellon, FKA The Bank Of New York as Trustee For The Benefit Of The Certificate Holders Of The CWALT, Inc., Alternative Loan Trust 2004-27CB, Mortgage Pass Through Certificates, Series 2004-27CB Dated: July 11, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700042567178 Lender or Broker: America's Wholesale Lender Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 142947 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 3191 71st St E, Inver Grove Heights, MN 55076-2550 Tax Parcel ID Number: 20-71157-01-210 LEGAL DESCRIPTION OF PROPERTY: Lot Twenty-One (21) in Block One (1) of South Grove No. 8, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $144,521.19 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; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 14, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disburse-

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 April 16, 2012, or the next business day if April 16, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 01, 2011 ASSIGNEE OF MORTGAGEE: The Bank Of New York Mellon, FKA The Bank Of New York as Trustee For The Benefit Of The Certificate Holders Of The CWALT, Inc., Alternative Loan Trust 2004-27CB, Mortgage Pass Through Certificates, Series 2004-27CB Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021351F01 2734290 9/1-10/6/11

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 28, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $257,000.00 MORTGAGOR(S): Tim Langlais and Susan Loprete Langlais, Husband and Wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for Countrywide Home Loans, Inc, its successors and assigns DATE AND PLACE OF REGISTERING: Registered: August 22, 2005 Dakota County Registrar of Titles Document Number: 572732 ASSIGNMENTS OF MORTGAGE: And assigned to: Bank of New York as Trustee for the Certificateholders CWABS Inc. Asset-Backed Certificates Series 2005-12 Dated: May 23, 2008 Registered: June 03, 2008 Dakota County Registrar of Titles Document Number: T628763 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700048047746 Lender or Broker: Countrywide Home Loans, Inc Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 118039 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 16825 Kenmore Dr, Lakeville, MN 55044-8976 Tax Parcel ID Number: 22-37951-040-03 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 3, Jackson Heights Second Addition, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $332,712.31 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 14, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 16, 2012, or the next business day if April 16, 2012 falls on a Satur-

��

day if April 16, 2012 falls on a Satur day, 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 01, 2011 ASSIGNEE OF MORTGAGEE: The Bank Of New York Mellon Fka The Bank Of New York As Trustee For The Certificateholders Of The CWABS, Inc., Asset-Backed Certificates, Series 2005-12 Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021942F01 2728167 9/1-10/6/11

PUBLIC NOTICE

NOTICE AND ORDER OF HEARING ON PETITION FOR FORMAL SUMMARY ASSIGNMENT OR DISTRIBUTION AND FORMAL PROBATE OF WILL STATE OF MINNESOTA COUNTY OF DAKOTA FIRST JUDICIAL DISTRICT DISTRICT COURT PROBATE DIVISION Court File No. 19HA-PR-11-556 Estate of Robert Lee Childers, Sr., Decedent Notice is given that a petition has been filed requesting that the Estate assets be summarily assigned and distributed without probate administration. The Petition also requests the probate of an instrument purporting to be the Decedent’s last will and testament dated February 7, 2005. Any objections to the petition must be filed with the Court prior to or raised at the hearing. If proper, and if no objections or claims are filed or raised, the Court may issue a decree distributing or assigning the Estate’s assets. It is Ordered and Notice is now given that the Petition will be heard on October 10, 2011, at 9:00 a.m., by this Court at Dakota County Judicial Center, 1560 Highway 55, Hastings, Minnesota. Notice is also given that (subject to Minn. Stat. 524.3-801) all creditors having claims against the Estate are required to present the claims to the Personal Representative or to the Court Administrator within four months after the date of this Notice or the claims will be barred. Dated: 9/16/11 BY THE COURT Shawn M. Moynihan Judge of District Court (COURT SEAL) Attorney for Petitioner Daniel S. Kufus, Esq. KUFUS LAW, LLC Spruce Tree Center, Suite 313 1600 University Avenue West Saint Paul, MN, 55104 Attorney License No: 0390478 Telephone: (651)-645-9359 FAX: (651) 645-6801 Email: Dan.Kufus@Kufuslaw.com 2758989 9/22-9/29/11P

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 30, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $178,000.00 MORTGAGOR(S): Paul W. Devine, a single man MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: July 31, 2006 Dakota County Recorder Document Number: 2449470 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S Bank National Association, as Successor Trustee, to Bank of America, National Association as successor by merger to LaSalle Bank National Association, as Trustee, for Ownit Mortgage Loan Trust, Ownit Mortgage Loan Asset-Backed Certificates, Series 2006-6 Dated: July 19, 2011 Recorded: July 22, 2011 Dakota County Recorder Document Number: 2811059 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100224640000546557 Lender or Broker: Ownit Mortgage Solutions, Inc. Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable

Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4169 Upper 145th St W, Rosemount, MN 55068-4138 Tax Parcel ID Number: 34-15201-01-020 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 1, Broback Second Addition, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $215,937.01 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 14, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 16, 2012, or the next business day if April 16, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 01, 2011 ASSIGNEE OF MORTGAGEE: U.S Bank National Association, as Successor Trustee, to Bank of America, National Association as successor by merger to LaSalle Bank National Association, as Trustee, for Ownit Mortgage Loan Trust, Ownit Mortgage Loan Asset-Backed Certificates, Series 2006-6 Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 003277F02 2733324 9/1-10/6/11

PUBLIC NOTICE

required by statute; that no Mortgag ors have been released from financial obligation on said Mortgage; that no action or proceeding has been instituted by law to recover that debt secured by said Mortgage, or any part thereof; that all conditions precedent to foreclose of the Mortgage and acceleration of the debt secures thereby have been fulfilled; PURSUANT to the power of sale therein contained, said Mortgage will be foreclosed and the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 20, 2011 at 10:00 am PLACE OF SALE: Dakota County Law Enforcement Center, Lobby S-100, 1580 Highway 55, Hastings, MN 55033 to pay the debt the debt then secured by the 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 sale by the mortgagors, their personal representatives or assigns. DATE TO VACATE PROPERTY: The date on or before which the mortgagor must vacate the property if the mortgage is not reinstated under Minnesota Statutes section 580.30 of the property redeemed under Minnesota Statutes sections 580.23 is April 20, 2012 at 11:59 p.m. If the foregoing date is Saturday, Sunday, or a legal holiday, then the date to vacate is the next business day at 11:59 p.m. MORTGAGORS 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. THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Dated: August 25, 2011 Provident Funding Associates, L.P. Mortgagee Kenneth J. Johnson Minnesota State Bar No. 0246074 Johnson, Blumberg & Associates, LLC Attorney for Mortgagee 230 W. Monroe St., Ste. 1125 Chicago, IL 60606 Phone 312-541-9710 Fax 312-541-9711 2735408 9/1-10/6/11

PUBLIC NOTICE

mises and the costs and disburse ments allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is 6.00 months from the date of sale. "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR`S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, 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 1, 2011 HSBC Bank USA, N.A., as Trustee for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2005-ASAP1, Asset Backed Pass-Through Certificates Randall S. Miller & Associates, PLLC Attorneys for Assignee of Mortgage/ Mortgagee One Financial Plaza, 120 South Sixth Street, Suite 1100 Minneapolis, MN 55402 Phone: 612-573-3677 Our File No. 10MN00278-2 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. ASAP# 4075100 09/01/2011, 09/08/2011, 09/15/2011, 09/22/2011, 09/29/2011, 10/06/2011 2726973 9/1-10/6/11

PUBLIC NOTICE

ORDER AND NOTICE OF HEARING ON PETITION FOR FORMAL ADJUDICATION OF INTESTACY, DETERMINATION OF HEIRSHIP AND APPOINTMENT OF PERSONAL REPRESENTATIVE IN UNSUPERVISED ADMINISTRATION AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA PROBATE COURT DISTRICT - COUNTY COURT PROBATE DIVISION Court File No. 19HA-PR-11-545 In Re: Estate of Beverly June Johnson, Deceased TO ALL INTERESTED PERSONS AND CREDITORS: It is ordered and notice is hereby given that on the 10th day of October, 2011, at 9:00 o’clock A.M., a hearing will be held in the above named Court at 1560 W. Highway 55, Hastings, Minnesota, on petition of Brian P. Johnson, dated September 13, 2011, for the adjudication of intestacy and determination of heirship of the above named decedent, and for the appointment of Brian P. Johnson, whose address is 5731 Babcock Trail, Inver Grove Heights, MN 55077, as personal representative of the estate of the above named decedent in unsupervised administration, and any objection thereto must be filed with the court. That, if proper, and no objections are filed, said personal representative will be appointed to administer the estate, to collect all assets, pay all legal debts, claims, taxes, and expenses, and sell real and personal property, and do all necessary acts for the estate. Notice is further given that ALL CREDITORS having claims against said estate are required to present the same to said personal representative or to the Clerk of the Court within four months after the date of this notice or said claims will be barred. Dated: 9-15-2011 Shawn M. Moynihan Judge (Court Seal) P. James Taurinskas Attorney I.D. #108480 633 So. Concord St., #320, PO Box 605 South St. Paul, MN 55075 2755903 9/22-9/29/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 15, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $146,993.00 MORTGAGOR(S): Giovanna Margalli, an unmarried woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: June 27, 2006 Dakota County Registrar of Titles Document Number: 592976 ASSIGNMENTS OF MORTGAGE: And assigned to: Deutsche Bank National Trust Company as Trustee for GSAA Home Equity Trust 2006-16, Asset-Backed Certificates, Series 2006-16 Dated: April 26, 2011 Registered: May 25, 2011 Dakota County Registrar of Titles Document Number: T679969 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100020410001204572 Lender or Broker: DHI Mortgage Company Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 140171 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 17449 Gettysburg

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��17449 �� from ��financial Gettysburg Property Address: ors have been released Way, Lakeville, MN 55044-4006 obligation on said Mortgage; that no T a x P a r c e l I D N u m b e r : action or proceeding has been insti22-18604-112-15 tuted by law to recover that 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: Unit No. 15112, CIC No. 424, thereof; that all conditions precedent Crossroads Condominiums, Dakota to foreclose of the Mortgage and acceleration of the debt secures thereby County, Minnesota. AMOUNT DUE AND CLAIMED TO BE have been fulfilled; PURSUANT to the power of sale DUE AS OF DATE OF NOTICE: $169,876.23 therein contained, said Mortgage will THAT all pre-foreclosure require- be foreclosed and the above described ments have been complied with; that property will be sold by the Sheriff of no action or proceeding has been insti- said county as follows: tuted at law or otherwise to recover the DATE AND TIME OF SALE: October debt secured by said mortgage, or any 20, 2011 at 10:00 am part thereof; that this is registered PLACE OF SALE: Dakota County property; Law Enforcement Center, Lobby S-100, PURSUANT to the power of sale con- 1580 Highway 55, Hastings, MN 55033 t a i n e d i n s a i d m o r t g a g e , t h e to pay the debt the debt then secured above-described property will be sold by the Mortgage, and taxes, if any, on by the Sheriff of said county as fol- said premises, and the costs and disbursements, including attorneys' fees lows: DATE AND TIME OF SALE: October allowed by law, subject to redemption 14, 2011 at 10:00 AM within six (6) months from the date of PLACE OF SALE: Dakota County sale by the mortgagors, their personal Law Enforcement Center, 1580 High- representatives or assigns. DATE TO VACATE PROPERTY: The way 55, Lobby S-100, Hastings, Minnedate on or before which the mortgagor sota to pay the debt secured by said mort- must vacate the property if the mortgage and taxes, if any, on said pre- gage is not reinstated under Minnemises and the costs and disburse- sota Statutes section 580.30 of the ments, including attorney fees allowed property redeemed under Minnesota by law, subject to redemption within Statutes sections 580.23 is April 20, six (6) months from the date of said 2012 at 11:59 p.m. If the foregoing sale by the mortgagor(s), their per- date is Saturday, Sunday, or a legal holiday, then the date to vacate is the sonal representatives or assigns. If the Mortgage is not reinstated next business day at 11:59 p.m. MORTGAGORS RELEASED FROM under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. FINANCIAL OBLIGATION ON MORT§580.23, the Mortgagor must vacate GAGE: None THE TIME ALLOWED BY LAW FOR the property on or before 11:59 p.m. on April 16, 2012, or the next business REDEMPTION BY THE MORTGAGOR, day if April 16, 2012 falls on a Satur- THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE day, Sunday or legal holiday. Mortgagor(s) released from financial REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER obligation: NONE THIS COMMUNICATION IS FROM MINNESOTA STATUTES, SECTION A DEBT COLLECTOR ATTEMPT- 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G ING TO COLLECT A DEBT. ANY OTHER THINGS, THAT THE MORTINFORMATION OBTAINED WILL BE GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF LESS THAN FIVE UNITS, ARE NOT THE DEBT AND IDENTITY OF THE PROPERTY USED IN AGRICULTURAL ORIGINAL CREDITOR WITHIN THE PRODUCTION, AND ARE ABANDONED. THIS COMMUNICATION IS FROM A TIME PROVIDED BY LAW IS NOT DEBT COLLECTOR ATTEMPTING TO AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR COLLECT A DEBT. ANY INFORMAREDEMPTION BY THE MORTGAGOR, TION OBTAINED WILL BE USED FOR THE MORTGAGOR'S PERSONAL REP- THAT PURPOSE. Dated: August 25, 2011 RESENTATIVES OR ASSIGNS, MAY BE Wells Fargo Bank, N.A., as Trustee REDUCED TO FIVE WEEKS IF A JUDIfor Carrington Mortgage Loan CIAL ORDER IS ENTERED UNDER Trust, Series 2006-RFC1, AssetMINNESOTA STATUTES, SECTION Backed Pass Through Certificates 582.032, DETERMINING, AMONG Mortgagee OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED Kenneth J. Johnson WITH A RESIDENTIAL DWELLING OF Minnesota State Bar No. 0246074 LESS THAN FIVE UNITS, ARE NOT Johnson, Blumberg & Associates, LLC PROPERTY USED IN AGRICULTURAL Attorney for Mortgagee 230 W. Monroe St., Ste. 1125 PRODUCTION, AND ARE ABANDONED. Chicago, IL 60606 DATED: September 01, 2011 A S S I G N E E O F M O R T G A G E E : Phone 312-541-9710 Deutsche Bank National Trust Fax 312-541-9711 9/1-10/6/11 Company as Trustee for GSAA 2735436 Home Equity Trust 2006-16, Asset-Backed Certificates, Series 2006-16 NOTICE OF MORTGAGE Wilford, Geske & Cook P.A. FORECLOSURE SALE Attorneys for Assignee of Mortgagee NOTICE IS HEREBY GIVEN that Lawrence A. Wilford default has occurred in the conditions James A. Geske of the following described mortgage: 8425 Seasons Parkway, Suite 105 DATE OF MORTGAGE: June 30, 2005 Woodbury, MN 55125-4393 ORIGINAL PRINCIPAL AMOUNT OF (651) 209-3300 MORTGAGE: $269,600.00 File Number: 013504F04 MORTGAGOR(S): Roger W. Thomp2733313 9/1-10/6/11 son and Lori J. Thompson, Husband and Wife MORTGAGEE: First Franklin, a division of Nat. City Bank of IN NOTICE OF MORTGAGE DATE AND PLACE OF RECORDING: FORECLOSURE SALE Recorded: July 21, 2005 Dakota THE RIGHT TO VERIFICATION County Recorder OF THE DEBT AND IDENTITY OF Document Number: 2342771 THE ORIGINAL CREDITOR WITHIN ASSIGNMENTS OF MORTGAGE: THE TIME PROVIDED BY LAW IS And assigned to: First Franklin NOT AFFECTED BY THIS ACTION. Notice is hereby given that default Financial Corporation Dated: December 01, 2005 has occurred in conditions of the folRecorded: February 06, 2006 Dakota lowing described mortgage: DATE OF MORTGAGE: February 22, County Recorder Document Number: 2403531 2006 And assigned to: PNC Bank National MORTGAGORS: David A. Simmons and Tara L. Simmons, husband and Association Dated: August 05, 2011 wife Transaction Agent: Not Applicable MORTGAGEE: Mortgage Electronic Transaction Agent Mortgage IdentifiRegistration Systems, Inc. cation Number: Not Applicable DATE AND PLACE OF RECORDING: Lender or Broker: First Franklin, a Recorded: March 14, 2006 division of Nat. City Bank of IN Dakota County Recorder Residential Mortgage Servicer: Select Document #: 2412334 Portfolio Servicing ASSIGNMENTS OF MORTGAGE: Mortgage Originator: Not Applicable Said mortgage was assigned to Wells COUNTY IN WHICH PROPERTY IS Fargo Bank, N.A., as Trustee for Carrington Mortgage Loan Trust, Series LOCATED: Dakota Property Address: 1005 Trillium Ct, 2006-RFC1, Asset-Backed Pass Through Certificates on May 19, 2011 Eagan, MN 55123-3991 Tax Parcel ID Number: and said assignment was recorded on May 26, 2011 and given document 10-45094-01-110 LEGAL DESCRIPTION OF PROPnumber 2802657. L E G A L D E S C R I P T I O N O F P R O P - ERTY: Lot 11, Block 1, Lexington Pointe Tenth Addition ERTY: AMOUNT DUE AND CLAIMED TO BE LOT 10, BLOCK 3, GOLDEN POND FIRST ADDITION, DAKOTA D U E A S O F D A T E O F N O T I C E : $264,553.25 COUNTY, MINNESOTA. THAT all pre-foreclosure requirePARCEL ID #: 22-30800-03-100 ments have been complied with; that P R O P E R T Y A D D R E S S : 21115 no action or proceeding has been instiHummingbird Lane, Lakeville, Mintuted at law or otherwise to recover the nesota 55044 TRANSACTION AGENT: Mortgage debt secured by said mortgage, or any part thereof; Electronic Registration Systems, Inc. PURSUANT to the power of sale conTRANSACTION AGENT ID NO.: tained in said mortgage, the 100062604270706858 above-described property will be sold CURRENT MORTGAGE SERVICER: by the Sheriff of said county as folCarrington Mortgage Services, Inc. COUNTY IN WHICH PROPERTY IS lows: DATE AND TIME OF SALE: October LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF 14, 2011 at 10:00 AM PLACE OF SALE: Dakota County MORTGAGE: $400,000.00 AMOUNT DUE AND CLAIMED TO BE Law Enforcement Center, 1580 HighDUE AS OF DATE OF NOTICE, INCLUD- way 55, Lobby S-100, Hastings, MinneING TAXES, IF ANY PAID BY MORT- sota to pay the debt secured by said mortGAGEE: $425,038.58 That prior to the commencement of gage and taxes, if any, on said prethis mortgage foreclosure proceeding mises and the costs and disburseMortgagee/Assignee of Mortgagee com- ments, including attorney fees allowed plied with all notice requirements as by law, subject to redemption within required by statute; that no Mortgagors have been released from financial ��

PUBLIC NOTICE

�� said �� county as follows: DATE AND TIME OF SALE: October �� 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 16, 2012, or the next business day if April 16, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 01, 2011 ASSIGNEE OF MORTGAGEE: PNC Bank National Association Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021635F01 2733305 9/1-10/6/11

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: March 3, 2006 MORTGAGORS: Paul O'Connell and Brenda O'Connell, husband and wife MORTGAGEE: New Century Mortgage Corporation DATE AND PLACE OF RECORDING: Recorded: March 13, 2007 Dakota County Registrar of Titles Document #: 607209 ASSIGNMENTS OF MORTGAGE: Said mortgage was assigned to Deutsche Bank National Trust Company, as Indenture Trustee, for New Century Home Equity Loan Trust 2006-1 on February 28, 2011 and said assignment was recorded on March 29, 2011 and given document number T677694. LEGAL DESCRIPTION OF PROPERTY: THAT PART OF LOT SIX (6), BLOCK ONE (1), OAK CLIFF, ACCORDING TO THE PLAT ON FILE AND OF RECORD IN THE OFFICE OF THE COUNTY RECORDER, DAKOTA COUNTY, MINNESOTA. LYING EAST OF THE DESCRIBED LINE: COMMENCING AT THE NORTHWEST CORNER OF SAID LOT SIX (6); THENCE NORTH 89 DEGREES 48 MINUTES 04 SECONDS EAST ASSUMED BEARING ALONG THE NORTH LINE OF SAID LOT SIX (6) FOR A DISTANCE OF 51.07 FEET TO THE POINT OF BEGINNING, THENCE SOUTH 01 DEGREES 15 MINUTES 20 SECONDS WEST FOR A DISTANCE OF 102.09 FEET; THENCE SOUTH 03 DEGREES 23 MINUTES 26 SECONDS WEST FOR A DISTANCE OF 42.20 FEET; THENCE SOUTH 05 DEGREES 27 MINUTES 23 SECONDS WEST FOR A DISTANCE OF 44.12 FEET PLUS OR MINUS TO THE SOUTH LINE OF SAID LOT (6) AND THERE TERMINATING. The Torrens Certificate No. is 142128 PARCEL ID #: 10-53550-065-01 P R O P E R T Y A D D R E S S : 2243 Mahogany Way, Eagan, Minnesota 55122 TRANSACTION AGENT: N/A TRANSACTION AGENT ID NO.: N/A CURRENT MORTGAGE SERVICER: Carrington Mortgage Services, Inc. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $252,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY PAID BY MORTGAGEE: $274,887.19 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 Mortgagors have been released from financial obligation on said Mortgage; that no action or proceeding has been instituted by law to recover that debt secured by said Mortgage, or any part thereof; that all conditions precedent to foreclose of the Mortgage and acceleration of the debt secures thereby have been fulfilled; PURSUANT to the power of sale therein contained, said Mortgage will be foreclosed and the above described property will be sold by the Sheriff of said county as follows:

20, 2011 at 10:00 am PLACE OF SALE: Dakota County Law Enforcement Center, Lobby S-100, 1580 Highway 55, Hastings, MN 55033 to pay the debt the debt then secured by the 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 sale by the mortgagors, their personal representatives or assigns. DATE TO VACATE PROPERTY: The date on or before which the mortgagor must vacate the property if the mortgage is not reinstated under Minnesota Statutes section 580.30 of the property redeemed under Minnesota Statutes sections 580.23 is April 20, 2012 at 11:59 p.m. If the foregoing date is Saturday, Sunday, or a legal holiday, then the date to vacate is the next business day at 11:59 p.m. MORTGAGORS 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. THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Dated: August 25, 2011 Deutsche Bank National Trust Company, as Indenture Trustee, for New Century Home Equity Loan Trust 2006-1 Mortgagee Kenneth J. Johnson Minnesota State Bar No. 0246074 Johnson, Blumberg & Associates, LLC Attorney for Mortgagee 230 W. Monroe St., Ste. 1125 Chicago, IL 60606 Phone 312-541-9710 Fax 312-541-9711 2735307 9/1-10/6/11

PUBLIC NOTICE

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 April 16, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: August 23, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-5757 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2734181 9/1-10/6/11

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 , 2005 MORTGAGOR: B e t t y J . H a w n , A Single Person. MORTGAGEE: ABN Amro Mortgage Group, Inc. N/K/A CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Recorded August 25, 2005, Dakota County Recorder, Document No. 2354836. 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: 16100 Foliage Avenue, Rosemount, MN 55068 TAX PARCEL I.D. #: 227590003030 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 3, The Townhouses of Shannon First Addition, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $141,300.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $133,263.38 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 20, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on _April 20, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED

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: August 26, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-6341 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2735093 9/1-10/6/11

PUBLIC NOTICE

SUMMONS STATE OF MINNESOTA COUNTY OF DAKOTA CONSUMER CREDIT CONTRACT DISTRICT COURT FIRST JUDICIAL DISTRICT Court File No. 19HA-CV-11-3289 ---------------------------------------------------------US Bank National Association ND dba Elan Financial Services, Plaintiff vs. Jeff Petricka, Defendant(s). ---------------------------------------------------------THIS SUMMONS IS DIRECTED TO THE ABOVE-NAMED DEFENDANTS: 1. Y O U A R E B E I N G S U E D . T h e Plaintiff has started a lawsuit against you. The Plaintiff’s Complaint against you is on file in the office of the clerk of the above-named Court. They are official papers that affect your rights. 2. YOU MUST REPLY WITHIN 20 DAYS TO PROTECT YOUR RIGHTS. You must give or mail to the person who signed this Summons a written response called an Answer within 20 days of service of this Summons. You must send a copy of your Answer to the person who signed this Summons located at Messerli & Kramer P.A., 3033 Campus Drive, Suite 250, Plymouth, MN 55441. 3. YOU MUST RESPOND TO EACH CLAIM. The Answer is your written response to the Plaintiff’s Complaint. In your Answer you must state whether you agree or disagree with each paragraph of the Complaint. If you believe the Plaintiff should not be given everything asked for in the Complaint, you must say so in your Answer. 4. YOU WILL LOSE YOUR CASE IF YOU DO NOT SEND A WRITTEN RESPONSE TO THE COMPLAINT TO THE PERSON WHO SIGNED T H I S S U M M O N S . If you do not Answer within 20 days, you will lose this case. You will not get to tell your side of the story, and the Court may decide against you and award the Plaintiff everything asked for in the Complaint. If you do not want to contest the claims stated in the Complaint, you do not need to respond. A Default Judgment can then be entered against you for the relief requested in the Complaint. 5. LEGAL ASSISTANCE. You may wish to get legal help from a lawyer. If you do not have a lawyer, the Court Administrator may have information about places where you can get legal assistance. Even if you cannot get legal help, you must still provide a written Answer to protect your rights or you may lose the case. 6. ALTERNATIVE DISPUTE RESOLUTION. The parties may agree to or be ordered to participate in an alternative dispute resolution process under Rule 114 of the Minnesota General Rules of Practice. You must still send your written response to the Complaint even if you expect to use alternative means of resolving this dispute. MESSERLI & KRAMER PA Jaime J. Hommerding, #0387432 3033 Campus Drive, Ste 250 Plymouth, MN 55441 Ph#: (763) 548-7900 Fax#: (763) 548-7922 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 2753636 9/22-10/6/11

PUBLIC NOTICE

TAX PARCEL I.D. #: 223330212002 LEGAL DESCRIPTION OF PROPERTY: Lot 12, Block 2, Homestead Creek Third Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $211,350.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $223,900.73 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 13, 2011 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on April 13, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: August 22, 2011. U.S. Bank, National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-1194 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2733203 9/1-10/6/11

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 08, 2008 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $245,000.00 MORTGAGOR(S): Norman Patterson and Donna Patterson, Husband and Wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for Provident Funding Associates, L.P., its successors and assigns DATE AND PLACE OF RECORDING: Recorded: February 28, 2008 Dakota County Recorder Document Number: 2574606 ASSIGNMENTS OF MORTGAGE: And assigned to: Provident Funding Associates, L.P. Dated: August 25, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100017935180102317 Lender or Broker: Provident Funding Associates, L.P. Residential Mortgage Servicer: Provident Funding Associates Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1613 Raleigh Dr, Burnsville, MN 55337-1232 Tax Parcel ID Number: 02-64107-02-080 LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 2, River Hills Eighth Addition, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $242,041.31 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 14, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 High-

Law Enforcement Center, 1580 High way 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 16, 2012, or the next business day if April 16, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 01, 2011 ASSIGNEE OF MORTGAGEE: Provident Funding Associates, L.P. Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021984F01 2734771 9/1-10/6/11

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 16, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $160,812.00 MORTGAGOR(S): Kasey Rice, an Unmarried Man MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: March 02, 2006 Dakota County Recorder Document Number: 2409717 LOAN MODIFICATION: Dated: March 01, 2008 Recorded: August 14, 2008 Document Number: 2608171 ASSIGNMENTS OF MORTGAGE: And assigned to: Bank of America, National Association as successor by merger to LaSalle Bank National Association, as trustee under the Pooling and Servicing Agreement dated as of May 1, 2006, GSAMP Trust 2006-HE3 Dated: May 11, 2011 Recorded: May 17, 2011 Dakota County Recorder Document Number: 2800991 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100175200002858150 Lender or Broker: MILA, Inc. Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 633 10th Ave N, South Saint Paul, MN 55075-1616 Tax Parcel ID Number: 36-70207-05-240 LEGAL DESCRIPTION OF PROPERTY: Lot 24, Block 5, South Park Division No. 8, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $184,882.38 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: October 14, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 16, 2012, or the next business day if April 16, 2012 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: September 01, 2011 ASSIGNEE OF MORTGAGEE: Bank of America, National Association as successor by merger to LaSalle Bank National Association, as trustee under the Pooling and Servicing Agreement dated as of May 1, 2006, GSAMP Trust 2006-HE3 Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 017058F02 2734249 9/1-10/6/11

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, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $338,000.00 MORTGAGOR(S): Joseph Adams and Barbara Adams, Husband and Wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for Winstar Mortgage Partners, Inc DATE AND PLACE OF RECORDING: Recorded: November 21, 2006 Dakota County Recorder Document Number: 2476903 ASSIGNMENTS OF MORTGAGE: And assigned to: Central Mortgage Company Dated: August 19, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100285700000201078 Lender or Broker: Winstar Mortgage Partners, Inc Residential Mortgage Servicer: Central Mortgage Company Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 17799 Hickory Trl, Lakeville, MN 55044-6606 Tax Parcel ID Number: 22-88508-01-010 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 1, Zweber Farm Ninth, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $335,091.09 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; PURSUANT to the power of sale 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 14, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 16, 2012, or the next business day if April 16, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT

LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 01, 2011 ASSIGNEE OF MORTGAGEE: Central Mortgage Company Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021770F01 2734244 9/1-10/6/11

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 12, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $257,900.00 MORTGAGOR(S): Souraphanh Keomanyvong and Bangon Keomanyvong, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 30, 2007 Dakota County Recorder Document Number: 2553497 ASSIGNMENTS OF MORTGAGE: And assigned to: Nationstar Mortgage, LLC Dated: September 02, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100052550168550993 Lender or Broker: CSMC Inc., DBA Central States Mortgage Residential Mortgage Servicer: Nationstar Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 308 12th St, Farmington, MN 55024-1806 Tax Parcel ID Number: 14-22508-01-010 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 1, East Farmington Ninth Addition, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $274,160.29 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: November 14, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 14, 2012, or the next business day if May 14, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 29, 2011 ASSIGNEE OF MORTGAGEE: Nationstar Mortgage, LLC Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021339F01 2766570 9/29-11/3/11

PUBLIC NOTICE

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $166,000.00 MORTGAGOR(S): Efrain Soriano Contreras, Unmarried MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for Harbourton Mortgage Investment Corporation ISAOA TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. MIN#: 1000912-0006002326-8 SERVICER: Ocwen Loan Servicing, LLC LENDER: Harbourton Mortgage Investment Corporation ISAOA. DATE AND PLACE OF FILING: Dakota County Minnesota, Registrar of Title, on April 23, 2007, as Document No. 609460. 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: October 22, 2007, and recorded November 6, 2007 by Document No. 619749. LEGAL DESCRIPTION OF PROPERTY: The East One Half of Lot 15 and the West One Half of Lot 16, Westchester Heights No.1, Dakota County, Minnesota PROPERTY ADDRESS: 193 Moreland Avenue East, West Saint Paul, MN 55118 PROPERTY I.D: 42-83790-00-160 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 Thousand One Hundred Seventy and 26/100 ($130,170.26) 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 October 18, 2011 PLACE OF SALE: Sheriff`s Main Office, Law Enforcement Center, 1580 Highway 55, Hastings MN 55033-2343 to pay the debt then secured by said mortgage and taxes, if any actually paid by the mortgagee, on the premises and the costs and disbursements allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is 6.00 months from the date of sale. "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR`S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, 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 1, 2011 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, PLLC Attorneys for Assignee of Mortgage/ Mortgagee One Financial Plaza, 120 South Sixth Street, Suite 1100 Minneapolis, MN 55402 Phone: 612-573-3677 Our File No. 10MN00556-2 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR ASAP# 4075759 09/01/2011, 09/08/2011, 09/15/2011, 09/22/2011, 09/29/2011, 10/06/2011 2728146 9/1-10/6/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 13, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $100,000.00 MORTGAGOR(S): Angela Hope Hively, a married woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: August 09, 2007 Dakota County Recorder Document Number: 2536221 ASSIGNMENTS OF MORTGAGE: And assigned to: Provident Funding Associates, L.P. Dated: April 07, 2009 Recorded: April 23, 2009 Dakota County Recorder Document Number: 2652039 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1000179-9517060331-0 Lender or Broker: Provident Funding Associates, L.P. Residential Mortgage Servicer: Provident Funding Associates Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 18400 Euclid St Apt 160, Farmington, MN 55024-7136 Tax Parcel ID Number: 14-15700-160-05

14 15700 160 05 LEGAL DESCRIPTION OF PROPERTY: Unit No. 160, Cameron Woods Condominium, CIC No. 269, Dakota County, State of Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $123,145.30 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: October 14, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 16, 2012, or the next business day if April 16, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 01, 2011 ASSIGNEE OF MORTGAGEE: Provident Funding Associates, L.P. Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 002646F03 2729611 9/1-10/6/11

PUBLIC NOTICE

��

�� 55, Lobby #S-100, Hastings, MN THE�� RIGHT TO VERIFICATION OF to pay the debt then secured by said THE DEBT AND IDENTITY OF THE Mortgage, and taxes, if any, on said ORIGINAL CREDITOR WITHIN THE premises, and the costs and disburse- T I M E P R O V I D E D B Y L A W I S N O T 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 AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR allowed by law subject to redemption within six (6) months from the date of REDEMPTION BY THE MORTGAGOR, said sale by the mortgagor(s), their THE MORTGAGOR'S PERSONAL REPpersonal representatives or assigns RESENTATIVES OR ASSIGNS, MAY BE unless reduced to Five (5) weeks under REDUCED TO FIVE WEEKS IF A JUDIMN Stat. §580.07. CIAL ORDER IS ENTERED UNDER TIME AND DATE TO VACATE PROP- MINNESOTA STATUTES, SECTION E R T Y : I f t h e r e a l e s t a t e i s a n 582.032, DETERMINING, AMONG owner-occupied, single-family dwell- OTHER THINGS, THAT THE MORTing, unless otherwise provided by law, GAGED PREMISES ARE IMPROVED the date on or before which the mort- WITH A RESIDENTIAL DWELLING OF gagor(s) must vacate the property if the LESS THAN FIVE UNITS, ARE NOT mortgage is not reinstated under sec- PROPERTY USED IN AGRICULTURAL tion 580.30 or the property is not PRODUCTION, AND ARE ABANDONED. DATED: September 08, 2011 redeemed under section 580.23 is ASSIGNEE OF MORTGAGEE: 11:59 p.m. on April 20, 2012, unless GMAC Mortgage, LLC the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee 582.032. MORTGAGOR(S) RELEASED FROM Lawrence A. Wilford FINANCIAL OBLIGATION ON MORT- James A. Geske 8425 Seasons Parkway, Suite 105 GAGE: None "THE TIME ALLOWED BY LAW FOR Woodbury, MN 55125-4393 REDEMPTION BY THE MORTGAGOR, (651) 209-3300 THE MORTGAGOR'S PERSONAL REP- File Number: 021844F01 9/8-10/13/11 RESENTATIVES OR ASSIGNS, MAY BE 2741145 REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION NOTICE OF MORTGAGE 582.032, DETERMINING, AMONG FORECLOSURE SALE OTHER THINGS, THAT THE MORTDate: September 12, 2011 GAGED PREMISES ARE IMPROVED YOU ARE NOTIFIED THAT: WITH A RESIDENTIAL DWELLING OF 1. Default has occurred in the condiLESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL tions of that certain Mortgage dated P R O D U C T I O N , A N D A R E September 30, 2005, executed by Joe Miller Farms, Inc., a Minnesota corpoABANDONED." ration, as Grantor, to Anchor Bank, Dated: August 24, 2011. N.A., a national banking association, U.S. Bank, National Association successor by merger to Anchor Bank, Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. West St. Paul N.A., as Lender, and filed Attorneys for Mortgagee/Assignee of for record October 26, 2005 as Document Number 2374774 in the Office of Mortgagee the County Recorder of Dakota 4500 Park Glen Road #300 County, Minnesota. The land described Minneapolis, MN 55416 in the Mortgage is not registered land. (952) 925-6888 2. T h e M o r t g a g e h a s n o t b e e n 19-2837 THIS IS A COMMUNICATION FROM assigned. 3. The original principal amount A DEBT COLLECTOR. 2734195 9/1-10/6/11 s e c u r e d b y t h e M o r t g a g e w a s $780,000.00. 4. No action or proceeding at law is now pending to recover the debt secured by the Mortgage, or any part NOTICE OF MORTGAGE thereof. FORECLOSURE SALE NOTICE IS HEREBY GIVEN that 5. The holder of the Mortgage has default has occurred in the conditions complied with all conditions preceof the following described mortgage: dent to acceleration of the debt DATE OF MORTGAGE: April 06, 2007 secured by the Mortgage and forecloORIGINAL PRINCIPAL AMOUNT OF sure of the Mortgage, and all notice MORTGAGE: $210,400.00 and other requirements of applicable MORTGAGOR(S): Alice G. Maxwell a statutes. single person and Preston H. Maxwell 6. A t t h e d a t e o f t h i s n o t i c e t h e II, a single person amount due on the Mortgage, and MORTGAGEE: Anchor Bank Farm- taxes, paid by the holder of the Mortington, N.A. gage is $722,717.71. DATE AND PLACE OF RECORDING: 7. Pursuant to the power of sale in Recorded: April 19, 2007 Dakota the Mortgage, the Mortgage will be County Recorder foreclosed, and the land described as Document Number: 2510842 follows: ASSIGNMENTS OF MORTGAGE: The South 349.98 feet of the North And assigned to: Mortgage Elec1 , 1 7 2 . 9 4 f e e t o f t h a t part of the tronic Registration Systems, Inc. Northeast Quarter (NE 1⁄4) of SouthDated: April 06, 2007 west Quarter (SW 1⁄4) lying East of Recorded: April 19, 2007 Dakota the centerline of Dodd Road (County County Recorder Highway No. 9) in Section Seventeen Document Number: 2510843 (17) Township One-Hundred FourAnd assigned to: GMAC Mortgage, teen (114) Range Twenty (20) accordLLC ing to the Government survey Dated: August 11, 2011 thereof, Dakota County, Minnesota, Transaction Agent: Mortgage ElecTOGETHER WITH all existing or tronic Registration Systems, Inc. subsequently erected or affixed Transaction Agent Mortgage Identifibuildings, improvements and fixcation Number: 1000375-0601782202-5 tures; all easements, rights of way, Lender or Broker: Anchor Bank and appurtenances; all water, water Farmington, N.A. rights, watercourses and ditch rights Residential Mortgage Servicer: GMAC (including stock in utilities with Mortgage, LLC ditch or irrigations rights); and all Mortgage Originator: Not Applicable other rights, royalties, and profits COUNTY IN WHICH PROPERTY IS relating to the real property, includLOCATED: Dakota ing without limitation all minerals, Property Address: 600 10th St, Farmoil, gas, geothermal and similar matington, MN 55024-1732 ters, T a x P a r c e l I D N u m b e r : will be sold by the Sheriff of Dakota 14-22500-04-050 County, Minnesota, at public auction L E G A L D E S C R I P T I O N O F P R O P - on Wednesday, November 2, 2011 at ERTY: Lot 5, Block 4, East Farmington 10:00 a.m., at the Law Enforcement F i r s t A d d i t i o n , a c c o r d i n g t o t h e Center, 1580 Highway 55, Hastings, recorded plat thereof, Dakota County, Minnesota 55033. Minnesota. 8. T h e t i m e a l l o w e d b y l a w f o r AMOUNT DUE AND CLAIMED TO BE redemption by Grantor or Grantor's D U E A S O F D A T E O F N O T I C E : personal representatives or assigns is $204,658.41 twelve (12) months after the date of THAT all pre-foreclosure require- sale. ments have been complied with; that 9. THE TIME ALLOWED BY LAW no action or proceeding has been insti- F O R R E D E M P T I O N B Y T H E tuted at law or otherwise to recover the GRANTOR, THE GRANTOR'S PERdebt secured by said mortgage, or any S O N A L R E P R E S E N T A T I V E S O R part thereof; ASSIGNS MAY BE REDUCED TO PURSUANT to the power of sale con- F I V E W E E K S I F A J U D I C I A L t a i n e d i n s a i d m o r t g a g e , t h e ORDER IS ENTERED UNDER MINabove-described property will be sold N E S O T A S T A T U T E S , S E C T I O N by the Sheriff of said county as fol- 582.032, DETERMINING, AMONG lows: OTHER THINGS, THAT THE DATE AND TIME OF SALE: October M O R T G A G E D P R E M I S E S A R E 21, 2011 at 10:00 AM IMPROVED WITH A RESIDENTIAL PLACE OF SALE: Dakota County DWELLING OF LESS THAN FIVE Law Enforcement Center, 1580 High- UNITS, ARE NOT PROPERTY USED way 55, Lobby S-100, Hastings, Minne- IN AGRICULTURAL PRODUCTION, sota AND ARE ABANDONED. to pay the debt secured by said mort10. T H I S C O M M U N I C A T I O N I S gage and taxes, if any, on said pre- F R O M A D E B T C O L L E C T O R mises and the costs and disburse- A T T E M P T I N G T O C O L L E C T A ments, including attorney fees allowed D E B T . A N Y I N F O R M A T I O N by law, subject to redemption within OBTAINED WILL BE USED FOR six (6) months from the date of said THAT PURPOSE. sale by the mortgagor(s), their per11. RIGHT TO VERIFICATION OF sonal representatives or assigns. THE DEBT AND IDENTITY OF THE If the Mortgage is not reinstated ORIGINAL CREDITOR WITHIN THE under Minn. Stat. §580.30 or the prop- TIME PROVIDED BY LAW IS NOT erty is not redeemed under Minn. Stat. AFFECTED BY THIS ACTION. §580.23, the Mortgagor must vacate Anchor Bank, N.A. the property on or before 11:59 p.m. on By Scott Sousek April 23, 2012, or the next business Its Senior Vice President day if April 23, 2012 falls on a SaturLender day, Sunday or legal holiday. Attorney for Lender: Mortgagor(s) released from financial James F. Christoffel obligation: NONE Christoffel & Elliott, P.A. THIS COMMUNICATION IS FROM 1111 UBS Plaza A DEBT COLLECTOR ATTEMPT- 444 Cedar Street ING TO COLLECT A DEBT. ANY St. Paul, Minnesota 55101-2129 INFORMATION OBTAINED WILL BE 2751358 9/15-10/20/11 USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF ��

PUBLIC NOTICE

�� Registered: ��June �� 29, 2007 County Registrar of Titles ��

PUBLIC NOTICE

SUMMONS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT Case Type: 14: Other, Civil Court File No. 19HA-CV-11-4105 _______________________________________ Nationstar Mortgage, LLC, Plaintiff, vs. Scott Craig, Lisa Craig, Capital One Bank USA, N.A., and Dave Bellows, in his official capacity as Sheriff of Dakota County, Defendants. _______________________________________ THIS SUMMONS IS DIRECTED TO THE ABOVE-NAMED DEFENDANTS. 1. Y O U A R E B E I N G S U E D. The Plaintiff has started a lawsuit against you. The Plaintiff's Complaint against you is attached to this summons. Do not throw these papers away. They are official papers that affect your rights. You must respond to this lawsuit even though it may not yet be filed with the Court and there may be no court file number on this summons. 2. YOU MUST REPLY WITHIN 20 DAYS TO PROTECT YOUR RIGHTS. You must give or mail to the person who signed this summons a written response called an Answer within 20 days of the date on which you received this Summons. You must send a copy of your Answer to the person who signed this summons located at: 8425 Seasons Parkway, Suite 105, Woodbury, Minnesota 55125. 3. YOU MUST RESPOND TO EACH CLAIM . The Answer is your written response to the Plaintiff's Complaint. In your Answer you must state whether you agree or disagree with each paragraph of the Complaint. If you believe the Plaintiff should not be given everything asked for in the Complaint, you must say so in your Answer. 4. YOU WILL LOSE YOUR CASE IF YOU DO NOT SEND A WRITTEN RESPONSE TO THE COMPLAINT TO THE PERSON WHO SIGNED T H I S S U M M O N S. I f y o u d o n o t Answer within 20 days, you will lose this case. You will not get to tell your side of the story, and the Court may decide against you and award the Plaintiff everything asked for in the complaint. If you do not want to contest the claims stated in the complaint, you do not need to respond. A default judgment can then be entered against you for the relief requested in the complaint. 5. LEGAL ASSISTANCE. You may wish to get legal help from a lawyer. If you do not have a lawyer, the Court Administrator may have information about places where you can get legal assistance. Even if you cannot get legal help, you must still provide a written Answer to protect your rights or you may lose the case. 6. A L T E R N A T I V E D I S P U T E RESOLUTION . The parties may agree to or be ordered to participate in an alternative dispute resolution process under Rule 114 of the Minnesota General Rules of Practice. You must still send your written response to the Complaint even if you expect to use alternative means of resolving this dispute. THIS LAWSUIT MAY AFFECT OR BRING INTO QUESTION TITLE TO REAL PROPERTY located in Dakota County, State of Minnesota, legally described as follows: Lot 1, Block 3, Village Creek First Addition, Dakota County, Minnesota. The object of this action is: 1) vacating the Sheriff's sale covering property in the County of Dakota, State of Minnesota, more particularly described as follows, to-wit: Lot 1, Block 3, Village Creek First Addition, Dakota County, Minnesota which Sheriff's sale is evidenced by Sheriff's Certificate of Sale and Foreclosure Record dated June 10, 2011, recorded in the office of the Dakota County Recorder on June 13, 2011 as Document No. 2805129; and 2) reinstating the Mortgage dated May 1, 2008, recorded in the office of the Dakota County Recorder on May 29, 2008 as Document No. 2593366 in all respects to its original priority over any claims any persons may have against the property. Dated: July 31, 2011 WILFORD, GESKE & COOK, P.A. By: /s/ Orin J. Kipp David R. Mortensen, #032906X Orin J. Kipp, #0390438 Attorneys for Plaintiff 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125 (651) 209-3300 2768069 9/29-10/13/11

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 20, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $141,000.00 MORTGAGOR(S): Marilyn F. Melchior, a single individual MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for American Equity Mortgage, Inc., its successors and assigns DATE AND PLACE OF REGISTERING: Registered: June 29, 2007 Dakota

Dakota

Document Number: 613450 ASSIGNMENTS OF MORTGAGE: And assigned to: The Bank Of New York Mellon FKA The Bank Of New York, as Trustee For The Certificateholders Of The CWABS, Inc., Asset-Backed Certificates, Series 2007-13 Dated: June 20, 2011 Registered: June 28, 2011 Dakota County Registrar of Titles Document Number: T681265 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100267400006287864 Lender or Broker: American Equity Mortgage, Inc. Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 82426 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 3285 149th St W, Rosemount, MN 55068-4337 Tax Parcel ID Number: 34-62856-03-080 LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 3, Rahn's Seventh Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $156,880.79 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 28, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 30, 2012, or the next business day if April 30, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 15, 2011 ASSIGNEE OF MORTGAGEE: The Bank Of New York Mellon FKA The Bank Of New York, as Trustee For The Certificateholders Of The CWABS, Inc., Asset-Backed Certificates, Series 2007-13 Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 022151F01 2749791 9/15-10/20/11

PUBLIC NOTICE

MORTGAGED PROPERTY ADDRESS: 1912 Glenfield Court, Eagan, MN 55122 TAX PARCEL I.D. #: 102045004006 LEGAL DESCRIPTION OF PROPERTY: Unit 6, Condominium No. 107, Diffley Commons, A Condominium, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $145,403.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $133,290.03 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 28, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on April 30, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 2, 2011. U.S. Bank National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-2544 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2750376 9/15-10/20/11

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 10, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $280,000.00 MORTGAGOR(S): Bruce F. Huysentruit and Ellen L. Huysentruit, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for Decision One Mortgage Company, LLC, its successors and assigns DATE AND PLACE OF RECORDING: Recorded: January 29, 2004 Dakota County Recorder Document Number: 2169640 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association, as Trustee, on behalf of the holders of the CSFB Mortgage Pass-Through Certificates, Series 2005-CF1 Dated: November 14, 2008 Recorded: December 05, 2008 Dakota County Recorder Document Number: 2625689 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100077910001383211 Lender or Broker: Decision One Mortgage Company, LLC Residential Mortgage Servicer: Select Portfolio Servicing Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1700 70th St W, Inver Grove Heights, MN 55077-2226 Tax Parcel ID Number: 20-00700-26-011 LEGAL DESCRIPTION OF PROPERTY: The West 471 feet of the North 350 feet of the Northeast 1/4 of the Northwest 1/4 of Section 7, Township 27, Range 22, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $329,169.79 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the

tuted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale 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 28, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 30, 2012, or the next business day if April 30, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 15, 2011 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association, as Trustee, on behalf of the holders of the CSFB Mortgage Pass-Through Certificates, Series 2005-CF1 Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 013539F02 2747302 9/15-10/20/11

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 03, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $86,438.00 MORTGAGOR(S): Gregory J. Brown, an unmarried man MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for America's Wholesale Lender, its successors and assigns DATE AND PLACE OF RECORDING: Recorded: October 23, 2006 Dakota County Recorder Document Number: 2470337 ASSIGNMENTS OF MORTGAGE: And assigned to: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF THE CWABS, INC., ASSET-BACKED CERTIFICATES, SERIES 2006-20 Dated: June 13, 2011 Recorded: June 24, 2011 Dakota County Recorder Document Number: 2806953 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1000157-0007338364-4 Lender or Broker: America's Wholesale Lender Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 14115 Pennock Ave Apt 204, Apple Valley, MN 55124-6789 Tax Parcel ID Number: 01.16405.02.012 LEGAL DESCRIPTION OF PROPERTY: Unit 204, Nottingham Condominium, Dakota County, Minnesota, Condominium File No. 49. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $87,984.18 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: October 28, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed

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 April 30, 2012, or the next business day if April 30, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 15, 2011 ASSIGNEE OF MORTGAGEE: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, A S T R U S T E E F O R T H E CERTIFICATEHOLDERS OF THE CWABS, INC., ASSET-BACKED CERTIFICATES, SERIES 2006-20 Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021592F02 2749322 9/15-10/20/11

PUBLIC NOTICE

the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: August 31, 2011. U.S. Bank National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-2842 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2749358 9/15-10/20/11

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 28, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $125,120.00 MORTGAGOR(S): Edward J. McLellan, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for First Franklin, a division of National City Bank DATE AND PLACE OF RECORDING: Recorded: September 12, 2006 Dakota County Recorder Document Number: 2460180 AND CORRECTIVE MORTGAGE RECORDING: May 15, 2009 Dakota County Recorder Document Number: 2657189 ASSIGNMENTS OF MORTGAGE: And assigned to: Wells Fargo Bank, National Association, As Trustee For The Holders Of The First Franklin Mortgage Loan Trust 2006-FF15 Mortgage Pass-Through Certificates, Series 2006-FF15 Dated: August 29, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100425240009732212 Lender or Broker: First Franklin, a division of National City Bank Residential Mortgage Servicer: Select Portfolio Servicing Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 7625 Whitney Dr, Apple Valley, MN 55124-5403 Tax Parcel ID Number: 01-77000-05-010 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 5, Townhouse Fourth Addition, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $127,458.19 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: October 28, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 30, 2012, or the next business day if April 30, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT

��

LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 15, 2011 ASSIGNEE OF MORTGAGEE: Wells Fargo Bank, National Association, As Trustee For The Holders Of The First Franklin Mortgage Loan Trust 2006-FF15 Mortgage Pass-Through Certificates, Series 2006-FF15 Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 022005F01 2746430 9/15-10/20/11

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 0 , 2004 MORTGAGORS: Brian N. Avakian and Colleen Avakian, husband and wife. MORTGAGEE: Accredited Mortgage of Minnesota. DATE AND PLACE OF RECORDING: Recorded December 14, 2004, Dakota County Recorder, Document No. 2275961. ASSIGNMENTS OF MORTGAGE: Assigned to: Fifth Third Mortgage Company. And thereafter assigned to: DLJ Mortgage Capital, Inc. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Accredited Mortgage of Minnesota RESIDENTIAL MORTGAGE SERVICER: Select Portfolio Servicing, Inc. MORTGAGED PROPERTY ADDRESS: 1219 Balsam Trail East, Eagan, MN 55123 TAX PARCEL I.D. #: 10-84250-080-04 LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 4, Wilderness Park Addition, according to the recorded plat thereof, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $317,240.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $340,610.52 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 17, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 17, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 15, 2011. DLJ Mortgage Capital, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 38-317 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2769066 9/29-11/3/11

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 , 2002 MORTGAGOR: Kimberly J. Street, a single person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc.. DATE AND PLACE OF RECORDING: Registered January 21, 2004, Dakota County Registrar of Titles, Document No. 0527754, Certificate of Title No. 117941. ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc.. Said Mortgage being Registered Land. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100026600022433051 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Principal Residential Mortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 13785 Heywood Court, Apple Valley, MN 55124 TAX PARCEL I.D. #: 018419003040 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 3, in Wildwood First Addition, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $121,254.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $114,425.26 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: November 18, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 18, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 21, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-5963 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2768720 9/29-11/3/11

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 09, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $360,000.00 MORTGAGOR(S): Larry D. Klemetson and Luann M. Klemetson, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for Countrywide Bank, N.A. DATE AND PLACE OF RECORDING: Recorded: December 06, 2005 Dakota County Recorder Document Number: 2386481 ASSIGNMENTS OF MORTGAGE:

ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, LP Dated: August 24, 2009 Recorded: September 14, 2009 Dakota County Recorder Document Number: 2684079 And assigned to: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWALT, INC., ALTERNATIVE LOAN TRUST 2005-81, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2005-81 Dated: September 08, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1001337-0001047972-6 Lender or Broker: Countrywide Bank, N.A. Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 11749 Arnold Ave, Inver Grove Heights, MN 55077-5701 Tax Parcel ID Number: 206402503010 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 3, Rich Valley Estates, according to the recorded plat thereof, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $449,061.51 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 28, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 30, 2012, or the next business day if April 30, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 15, 2011 ASSIGNEE OF MORTGAGEE: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWALT, INC., ALTERNATIVE LOAN TRUST 2005-81, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2005-81 Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008406F02 2749339 9/15-10/20/11

PUBLIC NOTICE

GAGE ORIGINATOR STATED ON MORTGAGE: Lakeland Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 12924 Nicollet Avenue South, Unit 301, Burnsville, MN 55337 TAX PARCEL I.D. #: 020130016497 LEGAL DESCRIPTION OF PROPERTY: Unit Number 301, 12924 Nicollet Avenue South, Ridgeview Condominium Homes, Dakota County, Minnesota, Condominium File No. 15. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $82,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $74,926.80 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: October 28, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on April 30, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 2, 2011. U.S. Bank National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-2675 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2752038 9/15-10/20/11

PUBLIC NOTICE

��

�� ORIGINAL�� PRINCIPAL AMOUNT�� OF to pay�� the debt secured by said mort MORTGAGE: $322,619.00 gage and taxes, if any, on said preAMOUNT DUE AND CLAIMED TO BE mises and the costs and disburseDUE AS OF DATE OF NOTICE, INCLUD- ments, including attorney fees allowed ING TAXES, IF ANY, PAID BY MORT- by law, subject to redemption within GAGEE: $415,752.24 six (6) months from the date of said That prior to the commencement of sale by the mortgagor(s), their perthis mortgage foreclosure proceeding sonal representatives or assigns. Mortgagee/Assignee of Mortgagee comIf the Mortgage is not reinstated plied with all notice requirements as under Minn. Stat. §580.30 or the proprequired by statute; That no action or erty is not redeemed under Minn. Stat. proceeding has been instituted at law §580.23, the Mortgagor must vacate 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 the property on or before 11:59 p.m. on secured by said mortgage, or any part April 30, 2012, or the next business thereof; day if April 30, 2012 falls on a SaturPURSUANT to the power of sale con- day, Sunday or legal holiday. tained in said mortgage, the above Mortgagor(s) released from financial described property will be sold by the obligation: NONE Sheriff of said county as follows: THIS COMMUNICATION IS FROM DATE AND TIME OF SALE: Novem- A DEBT COLLECTOR ATTEMPTber 3, 2011 at 10:00 AM ING TO COLLECT A DEBT. ANY PLACE OF SALE: S h e r i f f ' s O f f i c e , INFORMATION OBTAINED WILL BE Law Enforcement Center, 1580 Hwy USED FOR THAT PURPOSE. 55, Lobby #S-100, Hastings, MN THE RIGHT TO VERIFICATION OF to pay the debt then secured by said THE DEBT AND IDENTITY OF THE Mortgage, and taxes, if any, on said ORIGINAL CREDITOR WITHIN THE premises, and the costs and disburse- T I M E P R O V I D E D B Y L A W I S N O T 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 AFFECTED BY THIS ACTION. allowed by law subject to redemption THE TIME ALLOWED BY LAW FOR within six (6) months from the date of REDEMPTION BY THE MORTGAGOR, said sale by the mortgagor(s), their THE MORTGAGOR'S PERSONAL REPpersonal representatives or assigns RESENTATIVES OR ASSIGNS, MAY BE unless reduced to Five (5) weeks under REDUCED TO FIVE WEEKS IF A JUDIMN Stat. §580.07. CIAL ORDER IS ENTERED UNDER TIME AND DATE TO VACATE PROP- MINNESOTA STATUTES, SECTION E R T Y : I f t h e r e a l e s t a t e i s a n 582.032, DETERMINING, AMONG owner-occupied, single-family dwell- OTHER THINGS, THAT THE MORTing, unless otherwise provided by law, GAGED PREMISES ARE IMPROVED the date on or before which the mort- WITH A RESIDENTIAL DWELLING OF gagor(s) must vacate the property if the LESS THAN FIVE UNITS, ARE NOT mortgage is not reinstated under sec- PROPERTY USED IN AGRICULTURAL tion 580.30 or the property is not PRODUCTION, AND ARE ABANDONED. redeemed under section 580.23 is DATED: September 15, 2011 11:59 p.m. on May 3, 2012, unless the ASSIGNEE OF MORTGAGEE: redemption period is reduced to 5 BANK OF AMERICA, N.A., weeks under MN Stat. Secs. 580.07 or SUCCESSOR BY MERGER TO BAC 582.032. HOME LOANS SERVICING, LP, MORTGAGOR(S) RELEASED FROM FKA COUNTRYWIDE HOME FINANCIAL OBLIGATION ON MORTLOANS SERVICING, LP GAGE: None Wilford, Geske & Cook P.A. "THE TIME ALLOWED BY LAW FOR Attorneys for Assignee of Mortgagee REDEMPTION BY THE MORTGAGOR, Lawrence A. Wilford THE MORTGAGOR'S PERSONAL REP- James A. Geske RESENTATIVES OR ASSIGNS, MAY BE 8425 Seasons Parkway, Suite 105 REDUCED TO FIVE WEEKS IF A JUDI- Woodbury, MN 55125-4393 CIAL ORDER IS ENTERED UNDER (651) 209-3300 MINNESOTA STATUTES, SECTION File Number: 022097F01 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G 2749807 9/15-10/20/11 OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF NOTICE OF MORTGAGE LESS THAN FIVE UNITS, ARE NOT FORECLOSURE SALE PROPERTY USED IN AGRICULTURAL THE RIGHT TO VERIFICATION P R O D U C T I O N , A N D A R E OF THE DEBT AND IDENTITY OF ABANDONED." THE ORIGINAL CREDITOR WITHIN Dated: September 7, 2011. THE TIME PROVIDED BY LAW IS The Bank of New York Mellon, NOT AFFECTED BY THIS ACTION. as Trustee NOTICE IS HEREBY GIVEN, that Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. default has occurred in conditions of the following described mortgage: Attorneys for Mortgagee/Assignee of DATE OF MORTGAGE: November 16, Mortgagee 2005 4500 Park Glen Road #300 MORTGAGOR: Travis B. Anderson, a Minneapolis, MN 55416 single man. (952) 925-6888 MORTGAGEE: Mortgage Electronic 18-1149 THIS IS A COMMUNICATION FROM Registration Systems, Inc. DATE AND PLACE OF RECORDING: A DEBT COLLECTOR. 2751937 9/15-10/20/11 Recorded December 29, 2005, Dakota County Recorder, Document No. 2392750. ASSIGNMENTS OF MORTGAGE: NOTICE OF MORTGAGE Assigned to: U.S. Bank National AssoFORECLOSURE SALE ciation, as Trustee for Structured N O T I C E I S H E R E B Y G I V E N t h a t Asset Investment Loan Trust, Mortdefault has occurred in the conditions gage Pass-Through Certificates, Series of the following described mortgage: 2006-BNC 1. DATE OF MORTGAGE: January 09, TRANSACTION AGENT: Mortgage 2006 Electronic Registration Systems, Inc. ORIGINAL PRINCIPAL AMOUNT OF TRANSACTION AGENT'S MORTMORTGAGE: $185,000.00 GAGE IDENTIFICATION NUMBER ON M O R T G A G O R ( S ) : J a m e s H . W a r - MORTGAGE: 100122200002183884 rington, a single man 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. as nominee MORTGAGE: BNC Mortgage, Inc. for Countrywide Bank, N.A., its sucRESIDENTIAL MORTGAGE SERcessors and assigns VICER: JPMorgan Chase Bank, DATE AND PLACE OF RECORDING: National Association Recorded: February 07, 2006 Dakota MORTGAGED PROPERTY ADDRESS: County Recorder 326 Chestnut Street, South Saint Paul, Document Number: 2403916 MN 55075 ASSIGNMENTS OF MORTGAGE: TAX PARCEL I.D. #: 36-45300-303-01 And assigned to: BAC HOME LOANS LEGAL DESCRIPTION OF PROPSERVICING, LP, FKA COUNTRYWIDE ERTY: HOME LOANS SERVICING, LP The East 15.00 feet of Lots 28, 29 Dated: May 05, 2011 and 30, Block 1, Lincoln Park AddiRecorded: June 13, 2011 Dakota tion to South St. Paul, Dakota County Recorder County, Minnesota, together with the Document Number: 2805147 West 1/2 of Vacated Boston Avenue Transaction Agent: Mortgage Eleclying Southerly of the Easterly tronic Registration Systems, Inc. extension of the Northerly Lot line of Transaction Agent Mortgage IdentifiLot 30 and lying Northerly of the cation Number: 1001337-0001145294-6 Easterly Extension of the Southerly Lender or Broker: Countrywide Lot line of Lot 28 Bank, N.A. COUNTY IN WHICH PROPERTY IS Residential Mortgage Servicer: Bank LOCATED: Dakota of America, N.A. ORIGINAL PRINCIPAL AMOUNT OF Mortgage Originator: Not Applicable MORTGAGE: $239,310.00 COUNTY IN WHICH PROPERTY IS AMOUNT DUE AND CLAIMED TO BE LOCATED: Dakota DUE AS OF DATE OF NOTICE, INCLUDProperty Address: 1710 Riverwood ING TAXES, IF ANY, PAID BY MORTDr, Burnsville, MN 55337-1396 GAGEE: $257,590.90 Tax Parcel ID Number: That prior to the commencement of 02.37428.02.149 this mortgage foreclosure proceeding L E G A L D E S C R I P T I O N O F P R O P - Mortgagee/Assignee of Mortgagee comERTY: Unit 149, CIC No. 185, Itokah plied with all notice requirements as Valley Townhomes, a Condominium, required by statute; That no action or Dakota County, Minnesota. 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 D U E A S O F D A T E O F N O T I C E : secured by said mortgage, or any part $196,352.11 thereof; THAT all pre-foreclosure requirePURSUANT to the power of sale conments have been complied with; that tained in said mortgage, the above no action or proceeding has been insti- described property will be sold by the tuted at law or otherwise to recover the Sheriff of said county as follows: debt secured by said mortgage, or any DATE AND TIME OF SALE: October part thereof; 27, 2011 at 10:00 AM PURSUANT to the power of sale conPLACE OF SALE: S h e r i f f ' s O f f i c e , t a i n e d i n s a i d m o r t g a g e , t h e Law Enforcement Center, 1580 Hwy above-described property will be sold 55, Lobby #S-100, Hastings, MN by the Sheriff of said county as fol- to pay the debt then secured by said lows: Mortgage, and taxes, if any, on said DATE AND TIME OF SALE: October premises, and the costs and disburse28, 2011 at 10:00 AM ments, including attorneys' fees PLACE OF SALE: Dakota County allowed by law subject to redemption Law Enforcement Center, 1580 High- within six (6) months from the date of way 55, Lobby S-100, Hastings, Minne- said sale by the mortgagor(s), their sota to pay the debt secured by said mort- ��

PUBLIC NOTICE

�� November 2, 2011 at on Wednesday, 10:00 a.m., at the Law Enforcement �� 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 27, 2012 unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, 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: August 30, 2011. U.S. Bank, National Association, as Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 75-4065 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2752020 9/15-10/20/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE Date: September 12, 2011 YOU ARE NOTIFIED THAT: 1. Default has occurred in the conditions of that certain Mortgage dated September 16, 2005, executed by Joe Miller Farms, Inc., a Minnesota corporation, as Grantor, to Anchor Bank, N.A., a national banking association, successor by merger to Anchor Bank, West St. Paul N.A., as Lender, and filed f o r record September 2 7 , 2 0 0 5 a s Document Number 2364905 in the Office of the County Recorder of Dakota County, Minnesota. The land described in the Mortgage is not registered land. 2. T h e M o r t g a g e h a s n o t b e e n assigned. 3. The original principal amount secured by the Mortgage was $1,210,000.00. 4. No action or proceeding at law is now pending to recover the debt secured by the Mortgage, or any part thereof. 5. The holder of the Mortgage has complied with all conditions precedent to acceleration of the debt secured by the Mortgage and foreclosure of the Mortgage, and all notice and other requirements of applicable statutes. 6. A t t h e d a t e o f t h i s n o t i c e t h e amount due on the Mortgage, and taxes, paid by the holder of the Mortgage is $1,143,917.30. 7. Pursuant to the power of sale in the Mortgage, the Mortgage will be foreclosed, and the land described as follows: T h a t p a r t o f t h e N o r t h 1⁄2 o f t h e Northwest 1⁄4 of Section 20, Township 114, Range 20, Dakota County, Minnesota, except the North 880.00 feet, that lies Easterly of the following described line: Commencing at a point on the North line of said N o r t h w e s t 1⁄4 , s a i d p o i n t b e i n g 1416.73 feet Easterly of the Northwest corner of said Northwest 1⁄4 (the north line of said Northwest 1⁄4 has an assumed bearing of South 89 degrees 49 minutes 39 seconds East); thence South 8 degrees 02 minutes 06 seconds East a distance of 377.77 feet; thence deflecting to the right of a tangential curve, concave to the West, having a central angle of 9 degrees 51 minutes 38 seconds, a radius of 2949.18 feet and a length of 506.93 feet to the South line of said 880.00 feet and to the actual point of beginning; thence continuing on said tangential curve, concave to the West, having a central angle of 1 degree 45 minutes 21 seconds, a radius of 2949.18 feet and a length of 90.39 feet; thence South 3 degrees 34 minutes 54 seconds West a distance of 350.26 feet to the South line of said North 1⁄2 of the Northwest 1⁄4 and there terminating. AND The South 1⁄4 of the Northwest 1⁄4 of t h e S o u t h w e s t 1⁄4 o f S e c t i o n 1 6 , Township 114, Range 20, Dakota County, Minnesota. TOGETHER WITH all existing or subsequently erected or affixed buildings, improvements and fixtures; all easements, rights of way, and appurtenances; all water, water rights, watercourses and ditch rights (including stock in utilities with ditch or irrigations rights); and all other rights, royalties, and profits relating to the real property, including without limitation all minerals, oil, gas, geothermal and similar matters, will be sold by the Sheriff of Dakota County, Minnesota, at public auction on Wednesday, November 2, 2011 at

Center, 1580 Highway 55, Hastings, Minnesota 55033. 8. T h e t i m e a l l o w e d b y l a w f o r redemption by Grantor or Grantor's personal representatives or assigns is twelve (12) months after the date of sale. 9. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE GRANTOR, THE GRANTOR'S PERSONAL REPRESENTATIVES OR ASSIGNS MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. 10. T H I S C O M M U N I C A T I O N I S FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 11. RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. Anchor Bank, N.A. By Scott Sousek Its Senior Vice President Lender Attorney for Lender: James F. Christoffel Christoffel & Elliott, P.A. 1111 UBS Plaza 444 Cedar Street St. Paul, Minnesota 55101-2129 2751373 9/15-10/20/11

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 8, 2009 MORTGAGOR: Fred J. Krone, III, a single person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded May 27, 2009, Dakota County Recorder, Document No. 2659362. ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage. Inc. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100103210000519784 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: The Business Bank, dba Prime Mortgage RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 1065 Kettle Creek Road, Eagan, MN 55123 TAX PARCEL I.D. #: 104507502140 LEGAL DESCRIPTION OF PROPERTY: Lot 14, Block 2, Lexington Square COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $259,955.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $261,882.15 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 3, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 3, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE 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: September 7, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-6146 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2758723 9/22-10/27/11

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, 2005 MORTGAGOR: Rodney D. Wolford, an unmarried man. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded June 23, 2005, Dakota County Recorder, Document No. 2333493. ASSIGNMENTS OF MORTGAGE: Assigned to: The Bank of New York Mellon, as Successor Trustee under NovaStar Mortgage Funding Trust, Series 2005-3. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100020410000710447 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: DHI Mortgage Company Limited Partnership RESIDENTIAL MORTGAGE SERVICER: Saxon Mortgage Services, Inc. MORTGAGED PROPERTY ADDRESS: 2628 Yellowstone Drive, Hastings, MN 55033 TAX PARCEL I.D. #: 192970105016 LEGAL DESCRIPTION OF PROPERTY: Unit No. 16, Glendale Heights Villas, A Condominium, CIC No. 439, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $148,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $155,255.46 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: November 4, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 4, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 14, 2011. The Bank of New York Mellon, as Successor Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 84-679 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2760361 9/22-10/27/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 2 , 2002 MORTGAGORS: Gregory G. Phipps and Paula M. Phipps, husband and wife. MORTGAGEE: River City Mortgage Corp.. DATE AND PLACE OF RECORDING: Recorded November 25, 2002, Dakota County Recorder, Document No. 1964608. ASSIGNMENTS OF MORTGAGE: Assigned to: TCF Mortgage Corporation. And thereafter assigned to: Mortgage Electronic Registration Systems, Inc.. And thereafter assigned to: U.S. Bank National Association. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: River City Mortgage Corp. RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 1700 Lacota Lane, Burnsville, MN 55337 TAX PARCEL I.D. #: 021855002130 LEGAL DESCRIPTION OF PROPERTY: Lot 13, Block 2, Crosstown Estates. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $141,100.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $127,722.58 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 18, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 18, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 22, 2011. U.S. Bank National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-2753 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2769146 9/29-11/3/11

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 23, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $248,800.00 MORTGAGOR(S): Sharon Tenney, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for First Magnus Financial Corporation, its successors and assigns DATE AND PLACE OF RECORDING: Recorded: October 06, 2005 Dakota County Recorder Document Number: 2367914 ASSIGNMENTS OF MORTGAGE:

ASSIGNMENTS OF MORTGAGE: And assigned to: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWALT, INC., ALTERNATIVE LOAN TRUST 2 0 0 5 - 6 5 C B , M O R T G A G E PASS-THROUGH CERTIFICATES, SERIES 2005-65CB Dated: May 05, 2011 Recorded: June 03, 2011 Dakota County Recorder Document Number: 2803695 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100039223350015955 Lender or B r o k e r : First Magnus Financial Corporation Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 605 Crane Creek Ln, Eagan, MN 55121-2377 Tax Parcel ID Number: 10.18475.01.190 LEGAL DESCRIPTION OF PROPERTY: Lot 19, Block 1, CIC No. 297, Crane Creek Addition, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $267,832.18 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: November 04, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 04, 2012, or the next business day if May 04, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 22, 2011 ASSIGNEE OF MORTGAGEE: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWALT, INC., ALTERNATIVE LOAN TRUST 2005-65CB, MORTG A G E P A S S - T H R O U G H CERTIFICATES, SERIES 2005-65CB Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 022187F01 2755232 9/22-10/27/11

PUBLIC NOTICE

RESIDENTIAL MORTGAGE SER VICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 18090 Emerald Trail, Farmington, MN 55024 TAX PARCEL I.D. #: 14-19500-150-07 LEGAL DESCRIPTION OF PROPERTY: Lot Fifteen (15), Block Seven (7), Dakota County Estates, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $237,002.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $249,734.38 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 4, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 4, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 8, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-5490 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2758682 9/22-10/27/11

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 12, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $163,900.00 MORTGAGOR(S): Erica McNearney, a single person MORTGAGEE: First Franklin Financial Corp., subsidiary of National City Bank of Indiana DATE AND PLACE OF RECORDING: Recorded: September 03, 2004 Dakota County Recorder Document Number: 2244769 ASSIGNMENTS OF MORTGAGE: And assigned to: PNC Bank, National Association Dated: August 05, 2011 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: First Franklin Financial Corp., subsidiary of National City Bank of Indiana Residential Mortgage Servicer: Select Portfolio Servicing Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4220 Upper 150th St W, Rosemount, MN 55068-4513 Tax Parcel ID Number: 34-15207-02-040 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 2, Broback 8th Addition, according to the plat thereof on file and 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: $159,809.99 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale con-

��

PURSUANT to the power of sale con tained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 04, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 04, 2012, or the next business day if May 04, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 22, 2011 ASSIGNEE OF MORTGAGEE: PNC Bank, National Association Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021636F01 2754908 9/22-10/27/11

PUBLIC NOTICE

the date on or before which the mort 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 _November 5, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 12, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-6354 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2760311 9/22-10/27/11

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 7 , 2002 MORTGAGOR: Edward J. Kreitinger, a single person. MORTGAGEE: TCF Mortgage Corporation. DATE AND PLACE OF RECORDING: Registered November 8, 2002, Dakota County Registrar of Titles, Document No. 480545, Certificate of Title No. 115276. ASSIGNMENTS OF MORTGAGE: Assigned to: Mortgage Electronic Registration Systems, Inc. And thereafter assigned to: U.S. Bank, National Association. 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: TCF Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 13398 Hughes Court, Apple Valley, MN 55124 TAX PARCEL I.D. #: 011807501380 LEGAL DESCRIPTION OF PROPERTY: Lot 38, Block 1, Cobblestone Manor 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: $73,340.77 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: November 10, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 10, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED

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: September 14, 2011. U.S. Bank National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-2343 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2760159 9/22-10/27/11

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 , 2007 MORTGAGOR: Michelle M. Zajec, A Unmarried Person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded July 2, 2007, Dakota County Recorder, Document No. 2527824. ASSIGNMENTS OF MORTGAGE: Assigned to: LPP Mortgage Ltd. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100062604742701396 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Homecomings Financial, LLC (F/K/A Homecomings Financial Network, Inc.) RESIDENTIAL MORTGAGE SERVICER: Dovenmuehle Mortgage, Inc. MORTGAGED PROPERTY ADDRESS: 549 19th Avenue North, South Saint Paul, MN 55075 TAX PARCEL I.D. #: 360210026120 LEGAL DESCRIPTION OF PROPERTY: A CERTAIN TRACT OR PARCEL OF LAND IN DAKOTA COUNTY, IN THE STATE OF MINNESOTA, DESCRIBED AS FOLLOWS: THE E 1/2 OF THE E 1/2 OF THE SW 1/4 OF THE SE 1/4 OF NW 1/4 OF SECTION 21, TOWNSHIP 28, RANGE 22, EXCEPT THE FOLLOWING DESCRIBED PARCEL: BEGINNING AT A POINT WHICH IS THE INTERSECTION OF THE NORTH LINE OF WENTWORTH AVENUE AND THE WEST LINE OF 19TH AVENUE NORTH, IN THE CITY OF SOUTH ST. PAUL, MINNESOTA, THENCE NORTHERLY ALONG SAID WEST LINE 19TH AVENUE 477.5 FEET; THENCE WESTERLY AND PARALLEL TO WENTWORTH AVENUE 125 FEET; THENCE SOUTHERLY AND PARALLEL WITH SAID WEST LINE OF 19TH AVENUE 477.5 FEET TO THE NORTH LINE OF WENTWORTH AVENUE; THENCE EASTERLY ALONG SAID NORTH LINE OF WENTWORTH AVENUE TO THE POINT OF BEGINNING. SUBJECT TO AN EASEMENT FOR RIGHT-OF-WAY PURPOSES OVER A 10 FOOT STRIP OF LAND ABUTTING THE WEST SIDE OF THE ABOVE-EXCEPTED PARCEL; EXCEPTING THE EAST 30 FEET THEREOF, ACCORDING TO THE GOVERNMENT SURVEY THEREOF, DAKOTA COUNTY, MINNESOTA ABSTRACT PROPERTY THE ABOVE PROPERTY IS SITUATED IN DAKOTA COUNTY, STATE OF MINNESOTA PID # 36 02100 120 26 ADDRESS: 549 19TH AVE N SOUTH SAINT PAUL, MN 55075 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $218,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $240,210.06 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: November 4, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not

section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 4, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: September 8, 2011. LPP Mortgage Ltd. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 9-12 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2760524 9/22-10/27/11

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 , 2009 MORTGAGOR: Laurene Buckmiller, a single person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc.. DATE AND PLACE OF RECORDING: Registered March 8, 2010, Dakota County Registrar of Titles, Document No. T658908, Certificate of Title No. 148469. ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, National Association. Said Mortgage being Registered Land. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100848100125902595 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Mortgages Unlimited, Inc., a Minnesota Corporation RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 1053 Wagon Wheel Trail, Mendota Heights, MN 55120 TAX PARCEL I.D. #: 271640000070 LEGAL DESCRIPTION OF PROPERTY: THE WEST 67 FEET OF LOT 7 IN CAROLINE'S LAKE VIEW, EXCEPT THAT PART SHOWN AS PARCEL 230C ON THE PLAT DESIGNATED AS MINNESOTA DEPARTMENT OF TRANSPORTATION RIGHT OF WAY PLAT NO. 19-37, DAKOTA COUNTY, MINNESOTA COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $111,925.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $116,353.01 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 4, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 4, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION

��

�� MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTNOTICE OF MORTGAGE GAGED PREMISES ARE IMPROVED FORECLOSURE SALE WITH A RESIDENTIAL DWELLING OF THE RIGHT TO VERIFICATION LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL OF THE DEBT AND IDENTITY OF P R O D U C T I O N , A N D A R E THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS ABANDONED." NOT AFFECTED BY THIS ACTION. Dated: September 13, 2011. NOTICE IS HEREBY GIVEN, that U.S. Bank National Association default has occurred in conditions of Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. the following described mortgage: DATE OF MORTGAGE: J a n u a r y 2 2 , Attorneys for Mortgagee/Assignee of 2003 Mortgagee MORTGAGORS: Richard L. Kinard 4500 Park Glen Road #300 and Mary Jo Kinard, Husband and Minneapolis, MN 55416 Wife. (952) 925-6888 MORTGAGEE: Ameriquest Mortgage 19-2289 THIS IS A COMMUNICATION FROM Company. DATE AND PLACE OF RECORDING: A DEBT COLLECTOR. 2760225 9/22-10/27/11 Recorded April 8, 2003, Dakota County Recorder, Document No. 2026488. ASSIGNMENTS OF MORTGAGE: Assigned to: Credit-Based Asset ServicNOTICE OF MORTGAGE ing and Securitization LLC. And thereFORECLOSURE SALE after assigned to: Beal Bank S.S.B. THE RIGHT TO VERIFICATION TRANSACTION AGENT: NONE OF THE DEBT AND IDENTITY OF TRANSACTION AGENT'S MORTTHE ORIGINAL CREDITOR WITHIN GAGE IDENTIFICATION NUMBER ON THE TIME PROVIDED BY LAW IS MORTGAGE: NONE NOT AFFECTED BY THIS ACTION. LENDER OR BROKER AND MORTNOTICE IS HEREBY GIVEN, that G A G E O R I G I N A T O R S T A T E D O N default has occurred in conditions of MORTGAGE: Ameriquest Mortgage the following described mortgage: Company DATE OF MORTGAGE: April 17, 2009 RESIDENTIAL MORTGAGE SERMORTGAGOR: Paulette M. Cameron, VICER: Dovenmuehle Mortgage, Inc. a single person. MORTGAGED PROPERTY ADDRESS: MORTGAGEE: Mortgage Electronic 1666 Concord Street South, South Registration Systems, Inc. Saint Paul, MN 55075 DATE AND PLACE OF RECORDING: TAX PARCEL I.D. #: 36-45300-09-080 Recorded May 13, 2009, Dakota County LEGAL DESCRIPTION OF PROPRecorder, Document No. 2656807. ERTY: ASSIGNMENTS OF MORTGAGE: LOT 8, BLOCK 9, LINCOLN PARK Assigned to: CitiMortgage, Inc. ADDITION TO SOUTH ST. PAUL TRANSACTION AGENT: Mortgage COUNTY IN WHICH PROPERTY IS Electronic Registration Systems, Inc. LOCATED: Dakota TRANSACTION AGENT'S MORTORIGINAL PRINCIPAL AMOUNT OF GAGE IDENTIFICATION NUMBER ON MORTGAGE: $162,000.00 MORTGAGE: 100249120000204805 AMOUNT DUE AND CLAIMED TO BE LENDER OR BROKER AND MORT- DUE AS OF DATE OF NOTICE, INCLUDG A G E O R I G I N A T O R S T A T E D O N ING TAXES, IF ANY, PAID BY MORTMORTGAGE: Marketplace Home Mort- GAGEE: $168,033.16 gage, LLC 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: CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee comMORTGAGED PROPERTY ADDRESS: plied with all notice requirements as 2577 Heritage Drive 108, Mendota required by statute; That no action or Heights, MN 55120 proceeding has been instituted at law TAX PARCEL I.D. #: 274160004108 or otherwise to recover the debt LEGAL DESCRIPTION OF PROP- secured by said mortgage, or any part ERTY: thereof; Living Unit 108 and Garage Unit 134, PURSUANT to the power of sale concondominium Number 104, Kensing- tained in said mortgage, the above ton Manor Homes Condominium, a described property will be sold by the condominium located in Dakota Sheriff of said county as follows: County DATE AND TIME OF SALE: NovemCOUNTY IN WHICH PROPERTY IS ber 17, 2011 at 10:00 AM LOCATED: Dakota PLACE OF SALE: S h e r i f f ' s O f f i c e , ORIGINAL PRINCIPAL AMOUNT OF Law Enforcement Center, 1580 Hwy MORTGAGE: $183,962.00 55, Lobby #S-100, Hastings, MN AMOUNT DUE AND CLAIMED TO BE to pay the debt then secured by said DUE AS OF DATE OF NOTICE, INCLUD- Mortgage, and taxes, if any, on said ING TAXES, IF ANY, PAID BY MORT- premises, and the costs and disburseGAGEE: $184,124.89 ments, including attorneys' fees That prior to the commencement of allowed by law subject to redemption this mortgage foreclosure proceeding within six (6) months from the date of Mortgagee/Assignee of Mortgagee com- said sale by the mortgagor(s), their plied with all notice requirements as personal representatives or assigns required by statute; That no action or unless reduced to Five (5) weeks under proceeding has been instituted at law MN Stat. §580.07. or otherwise to recover the debt TIME AND DATE TO VACATE PROPsecured by said mortgage, or any part E R T Y : I f t h e r e a l e s t a t e i s a n thereof; owner-occupied, single-family dwellPURSUANT to the power of sale con- ing, unless otherwise provided by law, tained in said mortgage, the above the date on or before which the mortdescribed property will be sold by the gagor(s) must vacate the property if the Sheriff of said county as follows: mortgage is not reinstated under secDATE AND TIME OF SALE: Novem- tion 580.30 or the property is not ber 10, 2011 at 10:00 AM redeemed under section 580.23 is PLACE OF SALE: S h e r i f f ' s O f f i c e , 11:59 p.m. on May 17, 2012, unless the Law Enforcement Center, 1580 Hwy redemption period is reduced to 5 55, Lobby #S-100, Hastings, MN weeks under MN Stat. Secs. 580.07 or to pay the debt then secured by said 582.032. Mortgage, and taxes, if any, on said MORTGAGOR(S) RELEASED FROM premises, and the costs and disburse- FINANCIAL OBLIGATION ON MORTm 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 GAGE: None allowed by law subject to redemption "THE TIME ALLOWED BY LAW FOR within six (6) months from the date of REDEMPTION BY THE MORTGAGOR, said sale by the mortgagor(s), their THE MORTGAGOR'S PERSONAL REPpersonal representatives or assigns RESENTATIVES OR ASSIGNS, MAY BE unless reduced to Five (5) weeks under REDUCED TO FIVE WEEKS IF A JUDIMN Stat. §580.07. CIAL ORDER IS ENTERED UNDER TIME AND DATE TO VACATE PROP- MINNESOTA STATUTES, SECTION E R T Y : I f t h e r e a l e s t a t e i s a n 582.032, DETERMINING, AMONG owner-occupied, single-family dwell- OTHER THINGS, THAT THE MORTing, unless otherwise provided by law, GAGED PREMISES ARE IMPROVED the date on or before which the mort- WITH A RESIDENTIAL DWELLING OF gagor(s) must vacate the property if the LESS THAN FIVE UNITS, ARE NOT mortgage is not reinstated under sec- PROPERTY USED IN AGRICULTURAL tion 580.30 or the property is not P R O D U C T I O N , A N D A R E redeemed under section 580.23 is ABANDONED." 11:59 p.m. on May 10, 2012, unless the Dated: September 15, 2011. redemption period is reduced to 5 Beal Bank S.S.B. weeks under MN Stat. Secs. 580.07 or Mortgagee/Assignee of Mortgagee 582.032. USSET, WEINGARDEN AND LIEBO, P.L.L.P. MORTGAGOR(S) RELEASED FROM Attorneys for Mortgagee/Assignee of FINANCIAL OBLIGATION ON MORT- Mortgagee GAGE: None 4500 Park Glen Road #300 "THE TIME ALLOWED BY LAW FOR Minneapolis, MN 55416 REDEMPTION BY THE MORTGAGOR, (952) 925-6888 THE MORTGAGOR'S PERSONAL REP90-1726 RESENTATIVES OR ASSIGNS, MAY BE THIS IS A COMMUNICATION FROM REDUCED TO FIVE WEEKS IF A JUDI- A DEBT COLLECTOR. CIAL ORDER IS ENTERED UNDER 2769047 9/29-11/3/11 MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTNOTICE OF MORTGAGE GAGED PREMISES ARE IMPROVED FORECLOSURE SALE WITH A RESIDENTIAL DWELLING OF THE RIGHT TO VERIFICATION LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL OF THE DEBT AND IDENTITY OF P R O D U C T I O N , A N D A R E THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS ABANDONED." NOT AFFECTED BY THIS ACTION. Dated: September 16, 2011. NOTICE IS HEREBY GIVEN, that CitiMortgage, Inc. default has occurred in conditions of Mortgagee/Assignee of Mortgagee the following described mortgage: USSET, WEINGARDEN AND LIEBO, P.L.L.P. DATE OF MORTGAGE: February 13, Attorneys for Mortgagee/Assignee of 2006 Mortgagee MORTGAGORS: Ann M. Dunphy and 4500 Park Glen Road #300 Todd R. Dunphy, wife and husband. Minneapolis, MN 55416 MORTGAGEE: Mortgage Electronic (952) 925-6888 Registration Systems, Inc. 10-6357 DATE AND PLACE OF RECORDING: THIS IS A COMMUNICATION FROM Recorded March 1, 2006, Dakota A DEBT COLLECTOR. 2768939 9/29-11/3/11 C o u n t y R e c o r d e r , D o c u m e n t N o .

PUBLIC NOTICE

��

�� 1626�� River Bluff�� Court #97, Eagan, MN 55121 �� County Recorder, Document No. 2409395. ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank National Association, as trustee, on behalf of the holders of the Terwin Mortgage Trust 2006-7 Asset-Backed Certificates, TMTS Series 2006-7. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100331700902235160 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Oak Street Mortgage LLC RESIDENTIAL MORTGAGE SERVICER: Select Portfolio Servicing, Inc. MORTGAGED PROPERTY ADDRESS: 6415 Coryell Court, Inver Grove Heights, MN 55076 TAX PARCEL I.D. #: 208150101100 LEGAL DESCRIPTION OF PROPERTY: Lot 10, Block 1, Village Heights 2nd Addition, according to the recorded plat thereof, and situate in Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $240,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $255,743.06 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: November 4, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 4, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 7, 2011. U.S. Bank, National Association, as Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 38-270 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2760493 9/22-10/27/11

PUBLIC NOTICE

TAX PARCEL I.D. #: 104130005097 LEGAL DESCRIPTION OF PROPERTY: Unit 97, CIC number 358, Cedar Bluff Townhome Condominium COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $162,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $171,457.86 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: November 4, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on _May 4, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 12, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-6351 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2760289 9/22-10/27/11

PUBLIC NOTICE

part thereof; that there has been com pliance 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 November 8, 2011 PLACE OF SALE: Sheriff`s Main Office, Law Enforcement Center, 1580 Highway 55, Hastings MN 55033-2343 to pay the debt then secured by said mortgage and taxes, if any actually paid by the mortgagee, on the premises and the costs and disbursements allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is 6.00 months from the date of sale. "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR`S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, 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, 2011 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, PLLC Attorneys for Assignee of Mortgage/ Mortgagee One Financial Plaza, 120 South Sixth Street, Suite 1100 Minneapolis, MN 55402 Phone: 612-573-3677 Our File No. 11MN00433-1 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. ASAP# 4090313 09/22/2011, 09/29/2011, 10/06/2011, 10/13/2011, 10/20/2011, 10/27/2011 2755163 9/22-10/27/11

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 22, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $359,100.00 MORTGAGOR(S): Gerald Rasmussen, a single man MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for America's Wholesale Lender, its successors and assigns DATE AND PLACE OF REGISTERING: Registered: August 11, 2005 Dakota County Registrar of Titles Document Number: 571769 ASSIGNMENTS OF MORTGAGE: And assigned to: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWALT, INC., ALTERNATIVE LOAN TRUST 2 0 0 5 - 4 6 C B , M O R T G A G E PASS-THROUGH CERTIFICATES, SERIES 2005-46CB Dated: August 02, 2011 Registered: August 09, 2011 Dakota County Registrar of Titles Document Number: T682830 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700054508607 Lender or Broker: America's Wholesale Lender Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 132581 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4778 Slater Rd, Eagan, MN 55122-2364 Tax Parcel ID Number: 10-65870-01-040 LEGAL DESCRIPTION OF PROPERTY: Lot Four (4), Block One (1), St. Charles Wood, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $369,019.53 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; 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 04, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate

§580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 04, 2012, or the next business day if May 04, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 22, 2011 ASSIGNEE OF MORTGAGEE: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWALT, INC., ALTERNATIVE LOAN TRUST 2005-46CB, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2005-46CB Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 022182F01 2755476 9/22-10/27/11

PUBLIC NOTICE

NOTICE OF ASSESSMENT LIEN FORECLOSURE SALE Date: September 8, 2011 YOU ARE NOTIFIED THAT: 1. Default has occurred in the terms and conditions of the Restated Declaration for Coachman Highlands Townhomes Owners Association (hereinafter the "Association") which was recorded as Document No. 1978040 on December 27, 2002, in the Office of the Dakota County Recorder and also, pursuant to Minn. Stat. §515B.3-116, covering the following property: L E G A L D E S C R I P T I O N : Lot 69, Block 1, Coachman Highlands, CIC No. 390, Dakota County, Minnesota STREET ADDRESS: 1595 Snowflake Drive, Eagan, MN 55122 TAX PARCEL ID NUMBER: 10-18075-01-690 2. Pursuant to said Restated Declaration, there is claimed to be due and owing as of September 8, 2011, from Todd Hopson, title holder, to the Association, a Minnesota non-profit corporation, the amount of $3,759.00 for unpaid association dues, late fees, attorneys fees and costs, plus any other such amounts that will accrue after September 8, 2011, 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 Restated Declaration, referenced above, and Minn. Stat. §§515B.3-115 and 515B.3-116 provide for a continuing lien against the property. A Notice of Lien evidencing the amount due was recorded on June 13, 2011, as Document No. 2805199 in the Dakota County Recorder's Office. 7. Pursuant to the power of sale contained in the same Restated Declaration and granted by the owner in taking title to the premises subject to said Restated Declaration and pursuant to Minn. Stat. §§515B.3-115 and 515B.3-116, said Lien will be foreclosed by the sale of said property by the Sheriff of Dakota County, at the Dakota County Sheriffs Office, Dakota County Law Enforcement Center, 1580 Highway 55 Lobby S-100, Hastings, MN 55033, on the 15th day of November, 2011, at 10:00 a.m. at public auction to the highest bidder, to pay the amount then due for said assess ments, 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 May 15, 2012, 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

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. COACHMAN HIGHLANDS TOWNHOMES OWNERS ASSOCIATION Attorneys for Coachman Highlands Townhomes Owners Association THOMSEN & NYBECK, P.A. /s/ Gretchen S. Schellhas (#195595) 3600 American Blvd. West, Suite 400 Bloomington, Minnesota 55431 (952) 835-7000 (Coachman Highlands/Hopson/ 11-7-175D)

2758845

9/22-10/27/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 18, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $173,600.00 MORTGAGOR(S): Stan W Ross, an unmarried man MORTGAGEE: World Savings Bank, FSB DATE AND PLACE OF RECORDING: Recorded: September 15, 2004 Dakota County Recorder Document Number: 2247857 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: World Savings Bank, FSB Residential Mortgage Servicer: Wachovia Mortgage, FSB Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 227 Dale St E, South Saint Paul, MN 55075-3235 Tax Parcel ID Number: 36-71500-120-28 LEGAL DESCRIPTION OF PROPERTY: Lots 9, 10, 11, and 12, Block 28, Spring Park, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $194,496.30 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: March 11, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 11, 2011, or the next business day if September 11, 2011 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 27, 2011 MORTGAGEE: Wells Fargo Bank, N.A. also known as Wachovia Mortgage, a division of Wells Fargo Bank, N.A., and formerly known as Wachovia Mortgage, FSB, formerly known as World Savings Bank, FSB Wilford, Geske & Cook 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: 016724F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for March 11, 2011 at 10:00 AM has been postponed to April 25, 2011 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: March 03, 2011 MORTGAGEE: Wells Fargo Bank, N.A. also known as Wachovia Mortgage, a division of Wells

Mortgage, a division of Wells Fargo Bank, N.A., and formerly known as Wachovia Mortgage, FSB, formerly known as World Savings Bank, FSB NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for April 25, 2011 at 10:00 AM has been postponed to May 26, 2011 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: April 18, 2011 MORTGAGEE: Wells Fargo Bank, N.A. also known as Wachovia Mortgage, a division of Wells Fargo Bank, N.A., and formerly known as Wachovia Mortgage, FSB, formerly known as World Savings Bank, FSB NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for May 26, 2011 at 10:00 AM has been postponed to June 27, 2011 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: May 17, 2011 MORTGAGEE: Wells Fargo Bank, N.A. also known as Wachovia Mortgage, a division of Wells Fargo Bank, N.A., and formerly known as Wachovia Mortgage, FSB, formerly known as World Savings Bank, FSB NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for June 27, 2011 at 10:00 AM has been postponed to August 26, 2011 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 17, 2011 MORTGAGEE: Wells Fargo Bank, N.A. also known as Wachovia Mortgage, a division of Wells Fargo Bank, N.A., and formerly known as Wachovia Mortgage, FSB, formerly known as World Savings Bank, FSB NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for August 26, 2011 at 10:00 AM has been postponed to September 26, 2011 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 25, 2011 MORTGAGEE: Wells Fargo Bank, N.A. also known as Wachovia Mortgage, a division of Wells Fargo Bank, N.A., and formerly known as Wachovia Mortgage, FSB, formerly known as World Savings Bank, FSB NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for September 26, 2011 at 10:00 AM has been postponed to October 07, 2011 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 15, 2011 MORTGAGEE: Wells Fargo Bank, N.A. also known as Wachovia Mortgage, a division of Wells Fargo Bank, N.A., and formerly known as Wachovia Mortgage, FSB, formerly known as World Savings Bank, FSB NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 07, 2011 at 10:00 AM has been postponed to November 21, 2011 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 26, 2011 MORTGAGEE: Wells Fargo Bank, N.A. also known as Wachovia Mortgage, a division of Wells Fargo Bank, N.A., and formerly known as Wachovia Mortgage, FSB, formerly known as World Savings Bank, FSB Wilford, Geske & Cook 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: 016724F01 2767881 9/29/11

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 04, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $176,000.00 MORTGAGOR(S): Richelle Christine Witha AKA Richelle Christine Schuller, a single woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: January 27, 2005 Dakota County Recorder Document Number: 2289618 ASSIGNMENTS OF MORTGAGE: And assigned to: The Bank of New York Mellon FKA The Bank of New York, as Trustee for the Certificateholders of CWMBS, Inc., CHL Mortgage Pass-Through Trust 2005-01, Mortgage Pass-Through Certificates, Series 2005-01 Dated: May 25, 2011 Recorded: June 20, 2011 Dakota

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Recorded: June 20, 2011 Dakota County Recorder Document Number: 2806191 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100070210840007122 Lender or Broker: Gateway Funding Diversified Mortgage Services Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 6855 162nd St W, Rosemount, MN 55068-1970 Tax Parcel ID Number: 22.21172.02.200 LEGAL DESCRIPTION OF PROPERTY: Lot 20, Block 2, Donnays Valley Park Third Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $213,223.39 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: September 23, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on March 23, 2012, or the next business day if March 23, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: August 11, 2011 ASSIGNEE OF MORTGAGEE: The Bank Of New York Mellon FKA The Bank Of New York As Trustee For The Certificateholders Of CWMBS, Inc., CHL Mortgage Pass-through Trust 2005-01, Mortgage Pass-through Certificates, Series 2005-01 Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021605F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for September 23, 2011 at 10:00 AM has been postponed to October 07, 2011 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 22, 2011 ASSIGNEE OF MORTGAGEE: The Bank Of New York Mellon FKA The Bank Of New York As Trustee For The Certificateholders Of CWMBS, Inc., CHL Mortgage Pass-through Trust 2005-01, Mortgage Pass-through Certificates, Series 2005-01 Wilford, Geske & Cook P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021605F01 2766346 9/29/11

PUBLIC NOTICE

Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded June 17, 2004, Dakota County Recorder, Document No. 2216510. ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100154060001055967 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: American Residential Mortgage, LP RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 518 19TH Avenue North, South Saint Paul, MN 55075 TAX PARCEL I.D. #: 367020100104 LEGAL DESCRIPTION OF PROPERTY: The West 165.5 feet of the South 78.34 feet of the North 148.34 feet of Lot G, South Park Division No. 2, together with a private easement in common with other property owners adjoining thereon to the East and West thereof for their ingress and egress over a strip of land 20 feet wide lying to the east of the North 70 feet of the West 155.5 feet of said Lot G and also a strip of land 10 feet wide to the East of the said West 165.5 feet of the South 78.34 feet of the North 148.34 feet of Lot G, South Park Division No. 2, according to the recorded plat thereof, and situate in Dakota County, Minnesota. ALSO the South 78.34 feet of the North 1/2 of the West 1/2 of Lot G, South Park Division No. 2, EXCEPT the West 165.5 feet thereof; together with a private easement over a strip of land 20 feet wide lying East of the West 155 feet of the North 70 feet and also a private easement over the East 20 feet of the North 70 feet of the West 1/2 of said Lot G, for ingress and egress, according to the recorded plat thereof, and situate in Dakota County, Minnesota. Dakota County, Minnesota. 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: $145,222.87 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 18, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 18, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: September 20, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-6370 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2768822 9/29-11/3/11

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 23, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $205,200.00 MORTGAGOR(S): Kenneth Kaupa

MORTGAGOR(S): Kenneth Kaupa and Tracey Kaupa, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: March 12, 2007 Dakota County Recorder Document Number: 2501920 ASSIGNMENTS OF MORTGAGE: And assigned to: Wells Fargo Bank, N.A., As Trustee, For The Certificateholders, Mastr Asset Backed Securities Trust 2007-NCW Mortgage PassThrough Certificates Series 2007-NCW Dated: September 16, 2008 Recorded: October 14, 2008 Dakota County Recorder Document Number: 2617673 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100488910121916471 Lender or Broker: New Century Mortgage Corporation Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 15150 Cimarron Ct, Rosemount, MN 55068-1798 Tax Parcel ID Number: 34.83610.01.610 LEGAL DESCRIPTION OF PROPERTY: Lot 61, Block 1, Wensmann Eleventh Addition, Common Interest Number 252, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $260,950.77 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale 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 03, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on December 03, 2011, or the next business day if December 03, 2011 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: April 21, 2011 ASSIGNEE OF MORTGAGEE: Wells Fargo Bank, N.A., As Trustee, For The Certificateholders, Mastr Asset Backed Securities Trust 2007-NCW Mortgage Pass-Through Certificates Series 2007-NCW Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 020265F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for June 03, 2011 at 10:00 AM has been postponed to July 05, 2011 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: May 31, 2011 ASSIGNEE OF MORTGAGEE: Wells Fargo Bank, N.A., As Trustee, For The Certificateholders, Mastr Asset Backed Securities Trust 2007-NCW Mortgage Pass-Through Certificates Series 2007-NCW NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for July 05, 2011 at 10:00 AM has been postponed to August 09, 2011 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 05, 2011 ASSIGNEE OF MORTGAGEE: Wells Fargo Bank, N.A., As Trustee, For The Certificateholders, Mastr Asset Backed Securities Trust 2007-NCW Mortgage Pass-Through

2007-NCW Mortgage Pass-Through Certificates Series 2007-NCW NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for August 09, 2011 at 10:00 AM has been postponed to September 23, 2011 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 09, 2011 ASSIGNEE OF MORTGAGEE: Wells Fargo Bank, N.A., As Trustee, For The Certificateholders, Mastr Asset Backed Securities Trust 2007-NCW Mortgage Pass-Through Certificates Series 2007-NCW NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for September 23, 2011 at 10:00 AM has been postponed to October 25, 2011 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 15, 2011 ASSIGNEE OF MORTGAGEE: Wells Fargo Bank, N.A., As Trustee, For The Certificateholders, Mastr Asset Backed Securities Trust 2007-NCW Mortgage Pass-Through Certificates Series 2007-NCW Wilford, Geske & Cook P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 020265F01 2759221 9/29/11

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: March 26, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $177,600.00 MORTGAGOR(S): Robert Raasch and Judith Raasch, husband and wife as joint tenants MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for First Franklin Financial Corp., an OP. SUB. Of MLB&T Co., FSB TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. MIN#: 100425240013667693 SERVICER: Home Loan Services, Inc. LENDER: First Franklin Financial Corp., an OP. SUB. Of MLB&T Co., FSB. DATE AND PLACE OF FILING: Dakota County Minnesota, Recorder , on April 6, 2007, as Document No. 2508144 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 2007-3 Dated: September 23, 2010 , and recorded September 30, 2010 by Document No. 2755913 . LEGAL DESCRIPTION OF PROPERTY: Lot 18, Block 2, Valley Heights Addition PROPERTY ADDRESS: 6509 Bonner Ct, Inver Grove Heights, MN 55076 PROPERTY I.D: 208130018002 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: One Hundred Ninety-Three Thousand Three Hundred Sixteen and 27/100 ($193,316.27) 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 November 23, 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 PRODUCTION, AND ARE ABANDONED." Dated: October 7, 2010 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

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�� or legal �� holiday. M o r t g a�� g e L o a n �� A s s e t B a c�� k e d day, Sunday Mortgagor(s) released from financial Certificates, Series 2007-3 obligation: NONE Randall S. Miller & Associates, PLLC Attorneys for Assignee of Mortgage/ THIS COMMUNICATION IS FROM Mortgagee A DEBT COLLECTOR ATTEMPTOne Financial Plaza, ING TO COLLECT A DEBT. ANY 120 South Sixth Street, Suite 1100 INFORMATION OBTAINED WILL BE Minneapolis, MN 55402 USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF Phone: 612-573-3677 THE DEBT AND IDENTITY OF THE Our File No. 10MN00499-1 A S A P # 3 7 5 9 3 9 2 1 0 / 0 7 / 2 0 1 0 , ORIGINAL CREDITOR WITHIN THE 10/14/2010, 10/21/2010, 10/28/2010, T I M E P R O V I D E D B Y L A W I S N O T AFFECTED BY THIS ACTION. 11/04/2010, 11/11/2010 THE TIME ALLOWED BY LAW FOR NOTICE OF POSTPONEMENT OF REDEMPTION BY THE MORTGAGOR, FORECLOSURE SALE The above referenced sale scheduled THE MORTGAGOR'S PERSONAL REPfor September 20, 2011 at 10:00 AM , RESENTATIVES OR ASSIGNS, MAY BE has been postponed to October 25, REDUCED TO FIVE WEEKS IF A JUDI2011 at 10:00 AM, located at Sheriff`s CIAL ORDER IS ENTERED UNDER Main Office, Law Enforcement Center, MINNESOTA STATUTES, SECTION 1580 Highway 55, Hastings MN 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORT55033-2343, Dakota Minnesota GAGED PREMISES ARE IMPROVED Dated: September 20, 2011 U.S. Bank, National Association, WITH A RESIDENTIAL DWELLING OF as successor trustee to Bank of LESS THAN FIVE UNITS, ARE NOT America, N. A. as successor by PROPERTY USED IN AGRICULTURAL merger to LaSalle Bank N. A., as PRODUCTION, AND ARE ABANDONED. Trustee for Merrill Lynch First DATED: August 05, 2010 Franklin Mortgage Loan Trust, ASSIGNEE OF MORTGAGEE: THE BANK OF NEW YORK Mortgage Loan Asset-Backed MELLON FKA THE BANK OF NEW Certificates, Series 2007-3 YORK AS SUCCESSOR IN Jennifer K Fischer (0311248) INTEREST TO JPMORGAN Attorneys for U.S. Bank, Nationa l CHASE BANK, N.A. AS TRUSTEE Association, as successor trustee to Bank of America, N. A. as successor by FOR CWABS 2004-S m e r g e r t o L a S a l l e B a n k N . A . , a s Wilford, Geske & Cook P.A. T r u s t e e f o r M e r r i l l L y n c h F i r s t Attorneys for Assignee of Mortgagee F r a n k l i n M o r t g a g e L o a n T r u s t , Lawrence A. Wilford M o r t g a g e L o a n A s s e t - B a c k e d James A. Geske Certificates, Series 2007-3 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 Randall S. Miller & Associates, PLLC (651) 209-3300 One Financial Plaza, 120 South Sixth Street, Suite 1100 File Number: 014662F01 Minneapolis, MN 55402 NOTICE OF POSTPONEMENT OF (952) 232-0052 MORTGAGE FORECLOSURE SALE The above referenced sale scheduled Our File No. 10MN00499-1 P U R S U A N T T O T H E F A I R D E B T for September 17, 2010 at 10:00 AM COLLECTION PRACTICES ACT, YOU has been postponed to October 08, ARE ADVISED THAT THIS OFFICE 2 0 1 0 a t 1 0 : 0 0 A M i n t h e D a k o t a M A Y B E D E E M E D A D E B T County Law Enforcement Center, 1580 C O L L E C T O R A N Y I N F O R M A T I O N Highway 55, Lobby S-100, Hastings, OBTAINED MAY BE USED FOR THAT Minnesota in said County and State. DATED: September 09, 2010 PURPOSE. THIS NOTICE IS REQUIRED ASSIGNEE OF MORTGAGEE: BY THE PROVISIONS OF THE FAIR THE BANK OF NEW YORK DEBT COLLECTION PRACTICES ACT MELLON FKA THE BANK OF NEW AND DOES NOT IMPLY THAT WE ARE YORK AS SUCCESSOR IN ATTEMPTING TO COLLECT MONEY FROM ANYONE WHO HAS INTEREST TO JPMORGAN CHASE BANK, N.A. AS TRUSTEE DISCHARGED THE DEBT UNDER THE FOR CWABS 2004-S BANKRUPTCY LAWS OF THE UNITED STATES. NOTICE OF POSTPONEMENT OF ASAP# 4088697 09/29/2011 MORTGAGE FORECLOSURE SALE The above referenced sale scheduled 2764989 9/29/11 for October 08, 2010 at 10:00 AM has been postponed to November 09, 2010 at 10:00 AM in the Dakota County Law NOTICE OF MORTGAGE Enforcement Center, 1580 Highway 55, FORECLOSURE SALE Lobby S-100, Hastings, Minnesota in N O T I C E I S H E R E B Y G I V E N t h a t said County and State. default has occurred in the conditions DATED: September 30, 2010 of the following described mortgage: ASSIGNEE OF MORTGAGEE: DATE OF MORTGAGE: November 30, THE BANK OF NEW YORK 2004 MELLON FKA THE BANK OF NEW ORIGINAL PRINCIPAL AMOUNT OF YORK AS SUCCESSOR IN MORTGAGE: $165,205.00 INTEREST TO JPMORGAN MORTGAGOR(S): Jeff Forga, An CHASE BANK, N.A. AS TRUSTEE Unmarried Man FOR CWABS 2004-S MORTGAGEE: Mortgage Electronic NOTICE OF POSTPONEMENT OF Registration Systems, Inc. MORTGAGE FORECLOSURE SALE DATE AND PLACE OF RECORDING: The above referenced sale scheduled Recorded: January 03, 2005 Dakota for November 09, 2010 at 10:00 AM has County Recorder been postponed to December 09, 2010 Document Number: 2281786 at 10:00 AM in the Dakota County Law ASSIGNMENTS OF MORTGAGE: Enforcement Center, 1580 Highway 55, And assigned to: THE BANK OF NEW Lobby S-100, Hastings, Minnesota in YORK MELLON FKA THE BANK OF said County and State. NEW YORK DATED: October 29, 2010 AS SUCCESSOR IN INTEREST TO ASSIGNEE OF MORTGAGEE: JPMORGAN CHASE BANK, N.A. AS THE BANK OF NEW YORK TRUSTEE FOR CWABS 2004-S MELLON FKA THE BANK OF NEW Dated: May 04, 2010 YORK AS SUCCESSOR IN Recorded: August 03, 2010 Dakota INTEREST TO JPMORGAN County Recorder CHASE BANK, N.A. AS TRUSTEE Document Number: 2744109 FOR CWABS 2004-S Transaction Agent: Mortgage ElecNOTICE OF POSTPONEMENT OF tronic Registration Systems, Inc. MORTGAGE FORECLOSURE SALE Transaction Agent Mortgage IdentifiThe above referenced sale scheduled cation Number: 1001337-0000401005-7 for December 09, 2010 at 10:00 AM has Lender or Broker: America's Whole- been postponed to January 04, 2011 at sale Lender 10:00 AM in the Dakota County Law Residential Mortgage Servicer: Bank Enforcement Center, 1580 Highway 55, of America, N.A. Lobby S-100, Hastings, Minnesota in Mortgage Originator: Not Applicable said County and State. COUNTY IN WHICH PROPERTY IS DATED: December 01, 2010 LOCATED: Dakota ASSIGNEE OF MORTGAGEE: Property Address: 20039 Cabrilla THE BANK OF NEW YORK Way, Farmington, MN 55024-1483 MELLON FKA THE BANK OF NEW Tax Parcel ID Number: YORK AS SUCCESSOR IN 12.24500.047.04 INTEREST TO JPMORGAN LEGAL DESCRIPTION OF PROPCHASE BANK, N.A. AS TRUSTEE ERTY: Lot 47, Block 4, Empire River FOR CWABS 2004-S Preserve, CIC No. 386, Dakota County, NOTICE OF POSTPONEMENT OF State of Minnesota. MORTGAGE FORECLOSURE SALE AMOUNT DUE AND CLAIMED TO BE The above referenced sale scheduled D U E A S O F D A T E O F N O T I C E : for January 04, 2011 at 10:00 AM has $169,389.95 been postponed to January 18, 2011 at THAT all pre-foreclosure require- 10:00 AM in the Dakota County Law ments have been complied with; that Enforcement Center, 1580 Highway 55, no action or proceeding has been insti- Lobby S-100, Hastings, Minnesota in tuted at law or otherwise to recover the said County and State. debt secured by said mortgage, or any DATED: December 23, 2010 part thereof; ASSIGNEE OF MORTGAGEE: PURSUANT to the power of sale conTHE BANK OF NEW YORK tained in said mortgage, the MELLON FKA THE BANK OF NEW above-described property will be sold YORK AS SUCCESSOR IN by the Sheriff of said county as folINTEREST TO JPMORGAN lows: CHASE BANK, N.A. AS TRUSTEE DATE AND TIME OF SALE: SeptemFOR CWABS 2004-S ber 17, 2010 at 10:00 AM NOTICE OF POSTPONEMENT OF PLACE OF SALE: Dakota County MORTGAGE FORECLOSURE SALE Law Enforcement Center, 1580 HighThe above referenced sale scheduled way 55, Lobby S-100, Hastings, Minne- for January 18, 2011 at 10:00 AM has sota been postponed to February 03, 2011 to pay the debt secured by said mort- at 10:00 AM in the Dakota County Law gage and taxes, if any, on said pre- Enforcement Center, 1580 Highway 55, mises and the costs and disburse- Lobby S-100, Hastings, Minnesota in ments, including attorney fees allowed said County and State. by law, subject to redemption within DATED: December 27, 2010 six (6) months from the date of said ASSIGNEE OF MORTGAGEE: sale by the mortgagor(s), their perTHE BANK OF NEW YORK sonal representatives or assigns. MELLON FKA THE BANK OF NEW If the Mortgage is not reinstated YORK AS SUCCESSOR IN under Minn. Stat. §580.30 or the propINTEREST TO JPMORGAN erty is not redeemed under Minn. Stat. CHASE BANK, N.A. AS TRUSTEE §580.23, the Mortgagor must vacate FOR CWABS 2004-S the property on or before 11:59 p.m. on NOTICE OF POSTPONEMENT OF March 17, 2011, or the next business day if March 17, 2011 falls on a Satur�� day, Sunday or legal holiday.

PUBLIC NOTICE

�� DATED: �� September 19, 2011 ASSIGNEE OF MORTGAGEE: �� NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for February 03, 2011 at 10:00 AM has been postponed to February 15, 2011 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: January 18, 2011 ASSIGNEE OF MORTGAGEE: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS SUCCESSOR IN INTEREST TO JPMORGAN CHASE BANK, N.A. AS TRUSTEE FOR CWABS 2004-S NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for February 15, 2011 at 10:00 AM has been postponed to March 15, 2011 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: February 14, 2011 ASSIGNEE OF MORTGAGEE: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS SUCCESSOR IN INTEREST TO JPMORGAN CHASE BANK, N.A. AS TRUSTEE FOR CWABS 2004-S NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for March 15, 2011 at 10:00 AM has been postponed to April 20, 2011 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: March 07, 2011 ASSIGNEE OF MORTGAGEE: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS SUCCESSOR IN INTEREST TO JPMORGAN CHASE BANK, N.A. AS TRUSTEE FOR CWABS 2004-S NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for April 20, 2011 at 10:00 AM has been postponed to May 20, 2011 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: April 05, 2011 ASSIGNEE OF MORTGAGEE: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS SUCCESSOR IN INTEREST TO JPMORGAN CHASE BANK, N.A. AS TRUSTEE FOR CWABS 2004-S NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for May 20, 2011 at 10:00 AM has been postponed to June 20, 2011 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: May 05, 2011 ASSIGNEE OF MORTGAGEE: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS SUCCESSOR IN INTEREST TO JPMORGAN CHASE BANK, N.A. AS TRUSTEE FOR CWABS 2004-S NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for June 20, 2011 at 10:00 AM has been postponed to July 20, 2011 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 07, 2011 ASSIGNEE OF MORTGAGEE: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS SUCCESSOR IN INTEREST TO JPMORGAN CHASE BANK, N.A. AS TRUSTEE FOR CWABS 2004-S NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for July 20, 2011 at 10:00 AM has been postponed to August 19, 2011 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 05, 2011 ASSIGNEE OF MORTGAGEE: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS SUCCESSOR IN INTEREST TO JPMORGAN CHASE BANK, N.A. AS TRUSTEE FOR CWABS 2004-S NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for August 19, 2011 at 10:00 AM has been postponed to September 20, 2011 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 11, 2011 ASSIGNEE OF MORTGAGEE: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS SUCCESSOR IN INTEREST TO JPMORGAN CHASE BANK, N.A. AS TRUSTEE FOR CWABS 2004-S NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for September 20, 2011 at 10:00 AM has been postponed to October 20, 2011 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 19, 2011

THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS SUCCESSOR IN INTEREST TO JPMORGAN CHASE BANK, N.A. AS TRUSTEE FOR CWABS 2004-S Wilford, Geske & Cook P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 014662F01 2761696 9/29/11

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 Registered: October 29, 2009 Dakota County Registrar of Titles Document Number: T653096 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700043043211 Lender or Broker: America's Wholesale Lender Residential Mortgage Servicer: Bank of America, N.A. 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: $152,446.12 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: September 23, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on March 23, 2012, or the next business day if March 23, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: August 11, 2011 ASSIGNEE OF MORTGAGEE: The Bank of New York Mellon FKA The Bank of New York as Trustee For The Certificateholders Of The CWABS, Inc., Asset-Backed Certificates, Series 2004-13 Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009839F03

File Number: 009839F03 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for September 23, 2011 at 10:00 AM has been postponed to November 29, 2011 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 15, 2011 ASSIGNEE OF MORTGAGEE: The Bank of New York Mellon FKA The Bank of New York as Trustee For The Certificateholders Of The CWABS, Inc., Asset-Backed Certificates, Series 2004-13 Wilford, Geske & Cook P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009839F03 2759273 9/29/11

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: $75,000.00 MORTGAGOR(S): Roy J. Law Jr. and Cynthia J. Law, husband and wife MORTGAGEE: Anchor Bank, West St. Paul, NA DATE AND PLACE OF RECORDING: Recorded: January 06, 2006 Dakota County Recorder Document Number: 2395097 ASSIGNMENTS OF MORTGAGE: And assigned to: Mortgage Electronic Registration Systems, Inc. Dated: December 21, 2005 Recorded: January 06, 2006 Dakota County Recorder Document Number: 2395099 And assigned to: Nationstar Mortgage, LLC Dated: August 16, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1000375-0601434338-9 Lender or Broker: Anchor Bank, West St. Paul, NA Residential Mortgage Servicer: Nationstar Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 13854 Gladiola Ct, Apple Valley, MN 55124-7338 Tax Parcel ID Number: 01-66500-03-140 LEGAL DESCRIPTION OF PROPERTY: Lot 14, Block 3, Scott Highlands First Addition, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $74,682.13 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: November 14, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 14, 2012, or the next business day if May 14, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 29, 2011 ASSIGNEE OF MORTGAGEE: Nationstar Mortgage, LLC Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 017872F02 2761679 9/29-11/3/11

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 19, 2005 MORTGAGOR: G a r y M . L e s l e y , A Single Person. MORTGAGEE: CitiMortgage, Inc.. DATE AND PLACE OF RECORDING: Registered July 15, 2005, Dakota County Registrar of Titles, Document No. 569597, Certificate of Title No. 090910. 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: CitiMortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 3512 East Burnsville Parkway, Burnsville, MN 55337 TAX PARCEL I.D. #: 027790001001 LEGAL DESCRIPTION OF PROPERTY: Lot One (1), Block One (1) in Tuxedo Park COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $259,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $244,699.57 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: November 18, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 18, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 21, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-5585 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2769019 9/29-11/3/11

PUBLIC NOTICE

Wachovia Mortgage, FSB Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 227 Dale St E, South Saint Paul, MN 55075-3235 Tax Parcel ID Number: 36-71500-120-28 LEGAL DESCRIPTION OF PROPERTY: Lots 9, 10, 11, and 12, Block 28, Spring Park, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $194,496.30 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: March 11, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 11, 2011, or the next business day if September 11, 2011 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: January 27, 2011 MORTGAGEE: Wells Fargo Bank, N.A. also known as Wachovia Mortgage, a division of Wells Fargo Bank, N.A., and formerly known as Wachovia Mortgage, FSB, formerly known as World Savings Bank, FSB Wilford, Geske & Cook 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: 016724F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for March 11, 2011 at 10:00 AM has been postponed to April 25, 2011 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: March 03, 2011 MORTGAGEE: Wells Fargo Bank, N.A. also known as Wachovia Mortgage, a division of Wells Fargo Bank, N.A., and formerly known as Wachovia Mortgage, FSB, formerly known as World Savings Bank, FSB NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for April 25, 2011 at 10:00 AM has been postponed to May 26, 2011 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: April 18, 2011 MORTGAGEE: Wells Fargo Bank, N.A. also known as Wachovia Mortgage, a division of Wells Fargo Bank, N.A., and formerly known as Wachovia Mortgage, FSB, formerly known as World Savings Bank, FSB NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for May 26, 2011 at 10:00 AM has been postponed to June 27, 2011 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: May 17, 2011 MORTGAGEE: Wells Fargo Bank, N.A. also known as Wachovia Mortgage, a division of Wells Fargo Bank, N.A., and formerly known as Wachovia Mortgage, FSB, formerly known as World Savings Bank, FSB NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for June 27, 2011 at 10:00 AM has been postponed to August 26, 2011 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 17, 2011 MORTGAGEE: Wells Fargo Bank,

MORTGAGEE: Wells Fargo Bank, N.A. also known as Wachovia Mortgage, a division of Wells Fargo Bank, N.A., and formerly known as Wachovia Mortgage, FSB, formerly known as World Savings Bank, FSB NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for August 26, 2011 at 10:00 AM has been postponed to September 26, 2011 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 25, 2011 MORTGAGEE: Wells Fargo Bank, N.A. also known as Wachovia Mortgage, a division of Wells Fargo Bank, N.A., and formerly known as Wachovia Mortgage, FSB, formerly known as World Savings Bank, FSB NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for September 26, 2011 at 10:00 AM has been postponed to October 07, 2011 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 15, 2011 MORTGAGEE: Wells Fargo Bank, N.A. also known as Wachovia Mortgage, a division of Wells Fargo Bank, N.A., and formerly known as Wachovia Mortgage, FSB, formerly known as World Savings Bank, FSB Wilford, Geske & Cook 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: 016724F01 2759291 9/29/11

PUBLIC NOTICE

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mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on March 22, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: July 27, 2011. Deutsche Bank National Trust Company, as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 40-3365 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 20, 2011 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: September 26, 2011. Deutsche Bank National Trust Company, as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 40-3365 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2767724 9/29/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 21, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $214,000.00 MORTGAGOR(S): Valeriy T. Babich and Svetlana A. Babich, husband and wife MORTGAGEE: Riverview Community Bank DATE AND PLACE OF RECORDING: Recorded: August 04, 2005 Dakota County Recorder Document Number: 2347540 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank, National Association Dated: July 21, 2005 Recorded: August 04, 2005 Dakota County Recorder Document Number: 2347541 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Riverview Community Bank Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 18846 Everest Path, Farmington, MN 55024-7060 Tax Parcel ID Number: 14-50505-02-040 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 2, Nelsen Hills Farm 6th Addition, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $252,151.83 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale 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 04, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. ยง580.30 or the property is not redeemed under Minn. Stat. ยง580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 04, 2012, or the next business day if May 04, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial

g g 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 22, 2011 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008966F03 2754025 9/22-10/27/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: September 5, 2006 MORTGAGOR: Joel W. Biebighauser, a single person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded September 18, 2006, Dakota County Recorder, Document No. 2461935. ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100024200013857830 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: American Brokers Conduit RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 4675 Blaine Avenue, Inver Grove Heights, MN 55076 TAX PARCEL I.D. #: 204400105908 LEGAL DESCRI PTI O N OF PR OPERTY: Unit Number 0908, Lafayette Park, CIC 370, Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $141,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $145,786.15 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 10, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. ยง580.07. 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 10, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED."

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY September 29, 2011

Dated: September 16, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-6359 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2768981 9/29-11/3/11

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 11, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $188,800.00 MORTGAGOR(S): George A. Gonzalez and Gregoria A. Gonzalez, Husband and Wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for Paragon Home Lending, LLC TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. MIN#: 100200700000604950 SERVICER: Ocwen Loan Servicing, LLC LENDER: Paragon Home Lending, LLC. DATE AND PLACE OF FILING: Dakota County Minnesota, Recorder , on September 18, 2006, as Document No. 2461824. 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 2006-ASAP5, Asset Backed Pass-Through Certificates. Dated: September 29, 2006 , and recorded January 24, 2011 by Document No. 278118. LEGAL DESCRIPTION OF PROPERTY: Lot 29, Block 1, Donnays Valley Park 5th addition, Dakota County, Minnesota PROPERTY ADDRESS: 16860 Foliage Avenue West, Rosemount, MN 55068 PROPERTY I.D: 22-21174-01-290 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: One Hundred Ninety-Seven Thousand Seven Hundred Ninety and 84/100 ($197,790.84) 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 November 15, 2011 PLA C E OF SA LE : Sh er if f `s M ain Office, Law Enforcement Center, 1580 Highway 55, Hastings MN 55033-2343 to pay the debt then secured by said mortgage and taxes, if any actually paid by the mortgagee, on the premises and the costs and disbursements allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is 6.00 months from the date of sale. "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR`S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, 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 29, 2011 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 2006-ASAP5, Asset Backed Pass-Through Certificates. Randall S. Miller & Associates, PLLC Attorneys for Assignee of Mortgage/ Mortgagee One Financial Plaza, 120 South Sixth Street, Suite 1100 Minneapolis, MN 55402 Phone: 612-573-3677 Our File No. 10MN00786-2 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. ASAP# 4088778 09/29/2011, 10/06/2011, 10/13/2011, 10/20/2011, 10/27/2011, 11/03/2011 2764770 9/29-11/3/11

PUBLIC NOTICE

g g g DATE OF MORTGAGE: April 24, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $253,600.00 MORTGAGOR(S): William D. Gessell and Patti D. Gessell, Husband and Wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for First Solution Lending, Inc. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. MIN#: 1003366-0604190003-3 SERVICER: Ocwen Loan Servicing, LLC LENDER: First Solution Lending, INC.. DATE AND PLACE OF FILING: Dakota County Minnesota,Registrar of Title , on May 18, 2006, as Document No. 590462. 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 2006-ASAP4, Asset Backed Pass-Through Certificates Dated: March 22, 2007 , and recorded April 10, 2007 by Document No. 608664. LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 2 in Ches Mar East 2nd addition, Dakota County, Minnesota PROPERTY ADDRESS: 1123 Kirkwood Drive, Eagan, MN 55123 PROPERTY I.D: 10-17151-02-080 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: One Hundred Seventy-Seven Thousand One Hundred Thirty and 69/100 ($177,130.69) 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 November 15, 2011 PLA C E OF SA LE : Sh e r i ff` 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 6.00 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: September 29, 2011 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 2006-ASAP4, Asset Backed Pass-Through Certificates Randall S. Miller & Associates, PLLC Attorneys for Assignee of Mortgage/ Mortgagee One Financial Plaza, 120 South Sixth Street, Suite 1100 Minneapolis, MN 55402 Phone: 612-573-3677 Our File No. 11MN00397-1 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. ASAP# 4090010 09/29/2011, 10/06/2011, 10/13/2011, 10/20/2011, 10/27/2011, 11/03/2011 2764811 9/29-11/3/11

PUBLIC NOTICE

Lot 11, Block 6, Copperfield 3rd 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: $319,303.72 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 11, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. ยง580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on September 12, 2011. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: January 13, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-5149 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until September 22, 2011 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: August 15, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-5149 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 27, 2011 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: September 26, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-5149 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2767676 9/29/11

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ASSIGNMENTS OF MORTGAGE: And assigned to: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWMBS, I N C . , C H L M O R T G A G E PASS-THROUGH TRUST 2005-04, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2005-04 Dated: July 21, 2011 Recorded: August 03, 2011 Dakota County Recorder Document Number: 2812789 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1000157-0004198747-6 Lender or Broker: America's Wholesale Lender Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 3974 Greystone Rdg, Eagan, MN 55122-1799 Tax Parcel ID Number: 10-49502-01.160 LEGAL DESCRIPTION OF PROPERTY: Lot 16, Block 1, Murphy Farm 3rd Addition, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $529,132.18 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: November 14, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. ยง580.30 or the property is not redeemed under Minn. Stat. ยง580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 14, 2012, or the next business day if May 14, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 29, 2011 ASSIGNEE OF MORTGAGEE: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWMBS, INC., CHL MORTGAGE PASS-THROUGH TRUST 2005-04, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2005-04 Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 019105F02 2767860 9/29-11/3/11

PREVENT SUICIDE. TREAT DEPRESSION.

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 16, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $481,500.00 MORTGAGOR(S): Dennis J. Bauman and Connie L. Bauman, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for America's Wholesale Lender, its successors and assigns DATE AND PLACE OF RECORDING: Recorded: November 12, 2004 Dakota County Recorder Document Number: 2266878

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September 29, 2011 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Wellness Day for 1,500 at Goodrich

Submitted photos

Wellness Day was held Sept. 9 for the 1,500 employees of Goodrich Sensors and Integrated Systems in Burnsville. Employees were offered essentially a paid day off, if they took advantage of a smorgasbord of fitness activities at the Goodrich campus in south Burnsville, which includes soccer fields the company makes available for community use. The company tapped employees to help plan activities, and also used local resources including the Minnesota Valley YMCA, The Running Room, Valley Natural Foods, and Valley Bike and Ski. Activities included educational seminars for employees not accustomed to fitness activities.

DCR Chamber announces Board of Directors for 2012 The Dakota County Regional Chamber of Commerce has announced its Board of Directors for 2012. The following individuals have been nominated and approved for the Chamber’s Board of Directors: Rob Armfield, TDS Ruthe Batulis, DCR Chamber of Commerce Sara Butruff, Travel Leaders Brent Cory, Eagan Convention and Visitors Bureau Paul Eggen, State Farm Insurance Michele Engdahl, Thomson Reuters Allen Glynn, KLC Finacial Inc. Cindy Haas, Gateway Bank Greg Hansen, Ecolab Inc. Gary Huusko, Severson, Seldon, Dougherty, & Modlenda, PA.

Photo submitted

The Dakota County Regional Chamber of Commerce announced its Board of Directors for 2012 last week. Jeff Indovina, Midwest Beth Krehbiel, Fairview Coca Cola Bottling Com- Ridges Hospital pany Jeff Larson, JBL CompaCarol Keyes, CHESS: nies Complete Health EnvironMeghan McDaniel, Koch ment Companies Public Sector Greg Konat Ryan O’Gara, SKB Envi-

ronmental, Inc. Roz Peterson, Cerron Commercial Properties Jeff Rothmeyer, Roundbank Kelly Schaefbauer, DanburyIT

Phil Stalboerger, Blue Cross and Blue Shield of Minnesota Leslie Strohm, ProTec Environmental Consultants, Inc. Arleen Sullivan, Anchor

Bank-Eagan Scott Swenson, Home Federal The Dakota County Regional Chamber of Commerce serves the communities of Eagan, Farmington, Rosemount, Hampton, Lilydale, Mendota, Mendota Heights, 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.

Seven honored with chamber’s Business Excellence Award Seven Dakota County Regional Chamber of Commerce member businesses were selected for the organization’s Business Excellence Awards during a recognition breakfast on Thursday, Sept. 21. The businesses were awarded as “Today’s Heroes: Job Creators” after an application and selection process. The winners were: • Insider Training of Rose-

mount • Primrose School of Eagan • Aerospace Fabrication and Materials, LLC. in Lakeville • Gorton Studios of Eagan • Aerospace Welding, Inc./ Aerospace Manufacturing, Inc. of Eagan • Coordinated Business Systems, Ltd. of Burnsville • Signal Garage of West St. Paul

The awards honored businesses that were able to successfully grow and create jobs during this challenging economic recovery. The keynote speaker, Rick King of Thomson Reuters, spoke on what six qualities make for a successful business: positive attitude, embracing change, high expectations, candor, catching someone doing something right and leadership. Photo submitted

The Dakota County Regional Chamber of Commerce announced the winners of its 2011 Business Excellence Award during a breakfast meeting Sept. 22.