12/10/2009 - Dakota County Tribune Business Weekly

Runner’s Gate grows in Lakeville 6A Both sides clash over spending proposal 9A Christmas Corner rings in the holidays 52A

TAD JOHNSON T.W. BUDIG ANDREW MILLER

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DATE ##, 2009 DECEMBER 10, 2009

VOLUME 30, NUMBER # VOLUME 30, NUMBER 41

Dakota County Tribune Since 1884

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Empty homes receive staging style Stagers dress up empty homes, speed up house sales, time on market

by Kara Hildreth DAKOTA COUNTY TRIBUNE

Staging a home before it is listed “for sale� is like a dress rehearsal for a live theater production.

If a residential property is staged well, it receives a positive critics’ review, and that often means a quick sale at a higher negotiated price for the homeowners.

Most buyers looking to buy a residential property cannot visualize a home’s potential. So hiring a professional home stager can help them learn how to Submitted photos showcase each room’s best Fiorella Staging Concepts features.

But staging is serving in Apple Valley created this a new purpose in today’s “before and after� to show how staging can boost the economy.

With the housing mar- visual appeal of rooms. ket bringing more foreclosures to Dakota County in the last two years, more vacant homes have required real estate agents to hire a stager to make the property look more appealing. “I get calls from the banks or listing agents, but most of my referrals are from agents to other and short-sale homes need the agents, but sometimes the bank owns the properbenefits of staging even more ty and hires me to stage it,� said Cyndi Liemohn, than a traditional residential owner of Staged in Style. “They (banks) know Denise properties. the vacant ones sit and it is worth it to them to Husnik The need for staging foremake a small investment, and I come in and do closed or short-sale homes will the color and carpet selection.� still be necessary into 2010.

Some vacant properties have been left in With the federal tax credit deadline being exdisrepair by angry homeowners who have been tended for new homebuyers until April 2010, the foreclosed on. They take out their frustrations housing market is still sluggish, but is definitely on the house by taking appliances, interior light a buyers’ market, so staging is even more vital for fixtures, and in some cases toilets and sinks, homeowners to get the best selling price.

Liemohn said.

Husnik said homebuyers are not jumping on In these instances, banks need to replace fix- the bandwagon to buy because the deadline is a tures and appliances before hiring a stager to few months away. evaluate the interior to get the property ready to With a background in retail and a merchanlist. dising degree, Husnik worked in real estate for Denise Husnik, an accredited staging profes- five years and now helps to boost residential real sional for Fiorella Staging Concepts, said vacant estate sales for her RE/MAX Results team in +&//: 800%4 "/ 45"$&: "$,&3. "/%3&8 .*--&3

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Apple Valley, which provides free staging with each listing.

Realtors understand how important it is because staged homes have a 6 percent higher selling price on average than non-staged homes, and staged homes sell faster, Liemohn said.

Many properties listed for six to 12 months sell in a week or two after having the staging completed and then the properties are re-listed, Liemohn said. “Some of my agents are amazed and so are homeowners,� said Liemohn. “The last two years we have been really busy.�

Since Husnik’s brother, Steve Fiorella, has many residential listings, “he and I are joined at the hip to make sure the pricing is done correctly,� she said.

Staging a home and having the property priced correctly will together help move a home more quickly, Husnik said.

If it is not priced properly, it is not going to sell, she said.

Since founding her company Staged in Style four years ago, Liemohn has worked in homes across the Twin Cities and assists realtors in south-of-the-river suburbs.

When the housing market crashed, “I knew people needed this more than ever and it would be a nice segue into a new business,� said Liemohn, who sold real estate for 14 years. “Ten years ago when houses were flying off the market there was not a need for staging.�

Liemohn relies on a network of people to help with painting, renovations and moving.

Kristen Sevigny, a realtor with Keller Williams Preferred Realty in Lakeville who’s used Staged in Style for two years, said the services

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December 10, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Staging from Page 1A

have given her a boost in sales.

As part of her marketing as a realtor, Sevigny pays for an initial staging consultation with homeowners, who get feedback on what furniture needs to be removed from the home, and Liemohn of-

fers suggestions.

Husnik said she helped stage a home for one couple who had lived in their home for more than 20 years. “I’ll never forget what a fantastic job they did,� she said.

The couple had the whole home repainted and worked for four months to get it all

ready,� Husnik said.

The couple’s home sold in two weeks. She credits the staging process. “They were just tickled pink because all his hard work paid off,� she said.

E-mail Kara Hildreth at: farmington.thisweek@ecm-inc.com

Submitted photos

With many vacant homes across the state and in the south metro, stagers are busy making rooms look more warm and appealing to buyers.

Staged by Design shares a “before and after� photo of staging done in a living room.

Submitted photos

Fiorella Staging Concepts created this “before and after� staging to show how a change in color scheme can brighten a kitchen.

How homes are staged

by Kara Hildreth DAKOTA COUNTY TRIBUNE

Submitted photo

Staged in Style shows “before and after� photographs of a living and dining room where furniture, artwork and accessories were added to make the room more appealing to potential buyers.

Staging may be a new concept to most homeowners, but to the real estate industry, it has been a critical element for ensuring faster and more profitable sales.

The staging process starts with an initial consultation with a stager, the homeowners and often times the selling agent.

From the outset, stagers aim to give the property good curb appeal both from the street and with its Web site photos. “We want to lure them in from the Web (online) with good curb appeal, and if we’re lucky they will get into the home,� said Denise Husnik, the primary stager for Fiorella Staging Concepts.

Cyndi Liemohn, owner of Staged in Style, offers ideas on how to de-clutter each room by moving furniture and making decorating changes.

Staged in Style and Fiorella Staging Concepts both have access to a warehouse of props that include furniture, artwork

and plants. “Staging creates a warm, inviting living space that persuades buyers to linger and mentally ‘move in’ instead of ‘move on’ to the next house,� Liemohn said.

Only about 10 percent of people looking to buy a home can visualize how a room could look, so the stager’s job is to let them see a room’s focal point right away.

Highlighting a room’s special features – such as crown molding or the architectural shape of a fireplace – is what a stager wants potential buyers to see first. “My favorite room to stage is the formal dining room, where I can add artwork and table settings to make it look pretty,� said Liemohn. “We want to show each room in its best light and we want to define that focal point.�

Finding a room’s focal point is followed up with looking at how to address the home’s hardscapes such as wall paint color, windows and flooring.

Many times rooms are

filled with furniture and homeowners will get a revised layout plan. That means furniture needs to be moved out or stored while the home will be showing and up for sale. “Everyone lives in their own personal dĂŠcor style,â€?

Husnik said. Many are willing to make the necessary changes to sell their property quickly and at a good price, she said.

Carrying a portfolio that includes photos of staged kitchens, bathrooms, bedrooms and basements, Husnik said after the tour of the home she comes up with a customized staging plan. “We work on what is the best plan ‌ working with a budget that always needs to be considered,â€?

Husnik said. “I have a whole arsenal of partnerships from painting companies to places with appliances.�

Usually within three weeks or less, the staging process is complete.

E-mail Kara Hildreth at: farmington.thisweek@ecm-inc. com

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY December 10, 2009

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

Moving Up

Business Briefs

Business Briefs

CRAIG KANIS JOINS EDINA REALTY LAKEVILLE OFFICE

LAKEVILLE CHAMBER ACCEPTS NOMINATIONS FOR AWARD

EAGAN CITY COUNCIL MAY USE EMINENT DOMAIN FOR LAND

Edina Realty, the Midwest’s largest residential real estate firm, recently announced that Craig Kanis has joined its Lakeville office.

Prior to joining Edina Realty, Kanis was with Coldwell Banker Burnet for 10 years. He has 12 years of real estate experience and specializes in existing home sales, acreage, lakeshore and new construction with Wooddale Builders.

Kanis has achieved the Graduate Realtor Institute designation.

When asked why he was interested in joining Edina Realty, Kanis said he was excited about the company’s technology, brand, and the Lakeville office’s culture and location.

Kanis has resided in the Prior Lake area for seven years along with his wife, Kara, and their two children, Lauren and Cavin. He said he believes in the importance of community and is a volunteer for Kids Vote-Prior Lake Schools as well as Habitat for Humanity-Young Professionals Network.

“We are very excited to have Craig join our sales team,” said Sharry Schmid, Edina Realty Lakeville office manager.

“He exemplifies an Edina Realty sales associate with is honesty, integrity and commitment, and we look forward to helping him continue to grow his business.”

The Lakeville Area Chamber of Commerce is now accepting nominations for the 2009 Business Person of the Year.

The chamber seeks nominations for individuals whose contributions improved the city’s business climate and made the community a better place to live and work. The award will be given at the Membership Meeting and Holiday Dinner on Monday, Jan. 25 at Crystal Lake Golf Club.

Applications should be sent to the chamber by Dec. 28 at 19950 Dodd Blvd., Suite 101 Lakeville MN 55044; fax: (952) 469-2028 or e-mail to info@lakevillechambercvb.org.

The winner will be announced the first week in January 2010. Questions can be directed to Todd Bornhauser at (952) 469-2020, and an application can be downloaded at www.LakevilleChamber.org.

Past winners of the award are: Jack Berdan, Menasha Corporation; Vic Kohlnhofer, Kohlnhofer Insurance; Dan Ahman, The Chart House; Jack Matasosky, Appro Development; Tony & Patti McDonald, Eye Care Associates; Mike Watters, Marquette Bank; Bob Johnson, South Suburban Medical; Maynard Johnson, Hitchcock Industries; Carl Wahlstrom, Lakeville School District 194; Bob Vogel, New Market Bank; Jerry & Martha Erickson, Erickson Drug; Dave Fellon, Progressive Rail/Landscape Junction; Tom & Peggy Smith, Brackett’s Crossing Country Club; Terry North, Alcorn Beverage ; Glenn Hasse, Ryt-way Industries; Dick & Mary Ann Clemmer, Dick’s Sanitation; John & Jerry Enggren, Enggren’s Market; Mark Hotzler, Metro Equity Management, LLC; Brad & Audrey Johnson, Johnson Companies.

The Eagan City Council authorized the use of eminent domain Dec. 1 to potentially acquire four acres of the former Carriage Hills golf course for a future fire station.

Condemnation is not the first choice, officials said. The city would prefer to acquire the land through the original purchase agreement negotiated with owner Rahn Family Partnership in recent months.

“We mean not to upset the apple cart, but we do need those four acres,” said Eagan Mayor Mike Maguire. “The fact of the matter is, we negotiated to the point where we actually had a purchase agreement, and we just want somebody to sign it.”

The council’s action only authorized the use of eminent domain, which doesn’t necessarily mean the process will be put in motion, said City Attorney Mike Dougherty.

“Our understanding from the council is … we’re not going to start any type of condemnation action until we’ve exhausted all possibilities of negotiating,” he said.

– Erin Johnson

Business Briefs KAZOLLY’S SWEET SHOP CLOSES, BUT MAY REOPEN SMALLER Kazolly’s Sweet Shop, Lakeville’s only specialty candy store, closed its doors Nov. 21, just 10 days shy of its two-year anniversary.

But owners John and Patty Gruber say Kazolly’s isn’t done.

According to published reports, Patty has said she plans to reopen the store once they can find a smaller sized space.

The sweet shop, formerly located along Holyoke Avenue in downtown Lakeville, had featured baked goods such as cookies, truffles and other treats. The store also featured specialty candies such as lollipops, candy sticks, and humongous jaw-breakers in addition to contemporary favorites like Harry Potter-themed treats.

The couple still has a lease on the space at 20731 Holyoke Ave. for another two years, but the couple is looking for a sublessor, for either part or all of the space.

– Derrick Williams

ELECTRONICS OUTLET STORE OPENS IN BURNSVILLE A new electronics outlet store – On, Again! LLC – has opened at 14300 Buck Hill Road, Burnsville, east of Burnsville Center and across from TGI Friday’s.

The store, owned by Dave Telschow and Tom Blesener, specializes in likenew electronic products – returned/ refurbished TVs, laptops, cameras, game systems, and MP3 players – from namebrand manufacturers.

Customers will have an opportunity to consign certain products in the store.

The store offers a 30-day warranty.

For more information, e-mail onagain@frontier.com or call (952) 8986264.

HEALTHWORKS FITNESS FOR WOMEN’S 24-HOUR ACCESS HealthWorks Fitness for Women implemented 24-hour key card access system in October.

Billed as the only full-service women’s only fitness center in the south metro area, it has also earned the privilege of providing healthclub reimbursement plans from major Minneapolis health insurance providers including, Medica, Health Partners, Blue Cross / Blue Shield and U-Care. The process has taken over three years and will allow HealthWork’s members to be reimbursed $20 monthly for actively

Business Briefs participating on a monthly basis.

HealthWorks Fitness for Women has taken the idea of a women’s only fitness center one step further by providing 24-hour access, complimentary classes, and a full line of cardiac, and weight resistant machines.

Healthworks is located on the corner of 175th and Dodd in Lakeville.

For more information, go online at www.healthworksmn.com.

YOGA 4 YOU TO OPEN AT MARKETPLACE AT 42 Centro Properties Group announced a 1,893-square-foot Yoga 4 You recently opened at Marketplace at 42 Shopping Center, located five miles east of Interstate 35 on County Road 42, on the northwest corner of County Road 42 and Highway 13 South in Savage.

Centro Properties Group is the owner of Marketplace at 42 Shopping Center and was represented by Patrick Borgman with Centro Properties Group.

Centro Properties Group is the second largest owner of community and neighborhood shopping centers in the US. Its portfolio of more than 600 properties is located across 39 states and aggregates approximately 100 million square feet of gross leasable area. For more information on Centro Properties Group in the U.S., visit www.centroprop.com.

NEW SPACES, WARNERS’ STELLIAN TO HOLD FOOD DRIVE Burnsville-based remodeler New Spaces will hold an open house from 11 a.m. to 3 p.m. Dec. 12, to collect nonperishable food items to benefit Second Harvest Heartland. Its trade partner Warners’ Stellian will also be collecting food items at its Apple Valley location through Saturday, Dec. 12, during regular business hours.

Submission to Buzz The Dakota County Tribune Business Weekly includes promotions, new hires, retirements, awards and other such business news on the Buzz page. If you have an announcement you would like included in this part of the newspaper, send submissions by e-mail to tad.johnson@ecm-inc.com, fax to (952) 846-2010 or mail it to the Burnsville office at 12190 County Road 11, Burnsville, MN 55337. When sending a photo by e-mail be sure that it is 200 dpi or greater. Include a daytime phone number if someone from the newsroom needs to contact the business for additional information. Deadline is 5 p.m. Friday prior to Thursday edition.

Submission of information does not guarantee publication. All items are subject to editing.

Tips on what to include in the submission are: names, titles, dates, business name, brief description of the news taking place, brief description of the business, contact names and numbers.

Submissions to Buzz: www.DakotaCountyTribune.biz

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December 10, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

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

Bank bailout? Find a more accurate term for TARP

by Joe Witt SPECIAL TO THE TRIBUNE

Anniversaries are occasions for us to reflect on benchmark moments.

We have recently passed the one-year anniversary of the much maligned Troubled Assets Relief Program, and there are still many questions and misconceptions about whom this program helped, and at what cost.

I want to address two of those misconceptions.

Let’s review the original purpose of TARP and how the program has evolved.

Congress passed the TARP to help stave off an economic situation that people felt would be the equivalent of the Great Depression.

The original plan called for the federal government to purchase troubled assets directly from financial institutions. The government would be a patient investor, holding the assets long enough so that they would pay off over time.

The financial institutions would benefit from receiving cash for their troubled assets, immediately improving their financial picture and their ability to serve their customers. Congress passed this law with a price tag of $700 billion.

A few months later, through the Housing and Economic Recovery Act, Congress authorized an additional $400 billion to be used to stabilize the housing markets.

That original TARP purpose never happened.

Guest Columnist Joe Witt

Valuing and purchasing troubled assets proved too difficult.

Within days after the law’s enactment, the government’s policy shifted, and several new purposes for the TARP program emerged.

Misconceptions No. 1: All TARP programs are created equally.

Once the original TARP purpose changed, it became clear that the federal government intended to operate two types of TARP programs that functioned very differently. The federal government used TARP money for two distinct purposes: propping up failing businesses and injecting capital into healthy banks through the Capital Purchase Program.

What types of businesses and entities were propped up through the TARP program?

Struggling auto makers General Motors and Chrysler, plus GMAC have received $77 billion.

Fannie Mae and Freddie Mac, which are large purchasers of secondary market mortgage loans and which are losing huge sums of money, have received $111 billion so far.

Insurance giant AIG was deemed too systemically important and too interconnected with other financial institutions to fail,

In Brief

The Minnesota Bankers Association is the state’s largest trade association devoted exclusively to the representation of commercial banks. The MBA was founded in 1889 and represents 95 percent of Minnesota’s 421 chartered banks. For more information, visit the Web site www. minnbankers.com.

so they received $70 billion.

The government stepped in to prop up these entities because there were grave concerns about the economic impact of allowing them to fail.

The Capital Purchase Program was different.

It was an economic stimulus program where the federal government bought stock in healthy banks, increasing their capital base, which in turn allows them to expand their lending activities. The Treasury Department “requested” that the nine largest banks in the country participate in the program, and other banks chose to participate in the program if it fit their business plans.

In order to participate in the program, banks had to demonstrate their financial strength.

Only a small minority of the country’s banks participated in the program.

Here in Minnesota, 18 bank holding companies, controlling 23 of Minnesota’s 422 banks, participated in the CPP. Nationwide, the United States government invested $205 billion through the CPP, and about $7.1 billion of that total went to Minnesota banks.

Misconception No. 2: The TARP money will never be repaid to the government.

Again, to properly assess the likelihood that TARP money will be repaid, you have to look at the two distinct types of TARP programs separately.

It is difficult to predict with any certainty how AIG, Chrysler or Fannie Mae will emerge from this economic downturn. The government has a large stake in these entities, but financial results to this point are unclear. If these troubled companies remain troubled, one could conclude that repaying the government will be challenging.

On the other hand, the United States government is making a ton of dough on the CPP. Banks that received CPP funds essentially sold preferred stock to the Joe Witt is president and CEO at government. While that stock is the Minnesota Bankers Association. outstanding, the banks have to pay a dividend of between 5 and 7.7 percent. The banks also had to issue warrants, and the government makes money when the banks retire those warrants. When you add the dividends plus the warrants, the total return to the government BUSINESS WEEKLY can be significantly higher than (USPS 147240) the dividend rate, and the total return has been as high as 14.7 percent.

Publisher............................. Julian Andersen

Dakota County Tribune

State needs to restructure revenue raising system

by Don Heinzman DAKOTA COUNTY TRIBUNE

Tribune Columnist

Gov. Tim Pawlenty and his Republican colleagues are succeeding in their strategy of placing the blame on local governments for increases in local property taxes, when the opposite is true. Local officials are taking the heat for decisions not to raise state taxes and to cut state aids to local governments.

Due to fewer state dollars, local governments are slashing costs, laying off people and defunding nonprofits that shape the quality of life in communities.

The latest budget forecast of $1.2 billion deficit for this biennium is alarming, but it’s clear that local governments, unable to raise revenues other than property taxes, cannot take another huge hit.

The governor resisted raising any state taxes and then decided on the unusual step of unallotting $2.7 billion, including less state aid to cities, counties and school districts.

Don Heinzman

Property taxes will be up next year, even though local governments have cut costs to the bone. They are up because between 2002 and 2008, state aid to local governments fell by $2.4 billion and because taxable property is less due to lower property values.

Less than half of that loss was made up by increases in property taxes and the rest was made up through cuts by local governments.

The author of a property tax analysis by Minnesota 2020, says the primary cause of statewide property tax growth is reductions in state aid to local government. Period.

According to a report on the Minnesota 2020 study, from 2002 to 2009, of the 854 cities in Minnesota, 746 had an increase in the

average homestead property tax and of those 530 had increases of 20 percent or more.

Cities, counties and school districts will see more of the same, unless leadership rises up and demands reform.

Backers of the state policies counter these are difficult times and spending can best be cut at the local level where citizens have more control. They argue that due to the severe recession, all levels of government must take a hit.

What they fail to acknowledge is that the property tax is regressive and is not based on the ability of the property owner to pay it. The income tax and sales tax are based more on people’s ability to earn and to buy, and must be part of any solution.

Meanwhile, cities, counties and school districts throughout the metropolitan and out-state city area are slashing spending, even from crime and fire and maintenance of roads and parks.

Here in Minnesota, $6.9 billion of the $7.1 billion has already been repaid in full.

As of November 14, 2009 the federal government has pocketed over $345 million in dividends and warrants from Minnesota banks participating in the CPP. After subtracting the funding cost incurred by the U.S. Treasury, the government is sitting on a net income of about $250 million, just from Minnesota banks that participated in the CPP. Once the CPP funds are repaid from all the banks across the country, the government will see several billion dollars of positive returns.

As we note the recent anniversary of the TARP legislation, let’s be sure to distinguish among the different types of TARP programs.

The CPP was a good program that helped restore confidence in our financial system when it was desperately needed. It also will make the government a truckload of money. One thing it was not: a bailout for the Minnesota banks.

The biggest cuts in state aid are in the human service area which serve the most vulnerable. At the county level, medical care for the single adults (GAMC) has been unallotted, causing hospitals like Hennepin County General to cut 200 staff members.

Meanwhile, during this severe recession, the spending cuts go uncontested as people feel everyone should take their lumps including the less fortunate.

It is clear that the state cannot just cut spending by reducing state aids to local governments. A restructuring of the state’s revenueraising and distributing system is long overdue. So far, the body politic is surprisingly quiet on this issue.

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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DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY December 10, 2009

5A

Best Practices

Corporate social responsibility is good business strategy

by Jeff Applequist SPECIAL TO THE TRIBUNE

Guest Columnist

Lou Miller has owned and operated Big Apple Bagels in Apple Valley for the past 11 years.

At the end of each day, she donates whatever bagels she has left over to a variety of nonprofits, such as food shelves, veterans groups, and schools.

While Lou can’t say for sure whether the donations have significantly improved her bottom line, she does know that this small gesture of giving away excess food on a daily basis has generated goodwill for her business.

Most importantly, to Lou, it just feels like the right thing to do.

Some business leaders believe that their only obligation is to their shareholders. The sole objective in business, these managers assert, is to improve profitability for the benefit of the owners of the firm.

Increasingly, however, American consumers are rewarding businesses that see their mission more broadly. Many companies, big and small, are becoming aware of and acting upon an important economic reality: Corporate social responsibility is good business strategy.

Corporate social responsibility (CSR) involves the

Jeff Applequist

array of steps that a company can take to contribute back to the community: philanthropy, product donations, volunteerism, cause-marketing (for example, providing business expertise to nonprofit groups), and citizenship, especially around environmental sustainability.

While it is no doubt more difficult to precisely measure return on investment for these types of activities, abundant data demonstrates the economic benefits of CSR. DePaul University conducted a study in 2002 that compared the performance of the 100 Best Corporate Citizens from Business Ethics magazine against the remainder of the S & P 500. In measurements such as sales growth, profit, and return on equity, the socially responsible companies exceeded the competition by 10 percent.

A Time Magazine article from September 2009, entitled “The Responsibility Revolution,” cites a 2007 Goldman Sachs report that concluded that companies with a focus on sustainability outperformed the overall market, frequently

by a significant margin.

PricewaterhouseCoopers recently completed a study that showed a better return on assets for companies that reported sustainability information over those firms that did not share such data.

Time conducted a poll that showed that more than 60 percent of Americans have purchased organic products since January 2009. Almost 40 percent say that they bought products this year because of the social or political values of the company that sold the merchandise.

Time says, “What we are discovering now, in the most uncertain economy since (the Great Depression), is that enlightened self-interest – call it a shared sense of responsibility – is good economics. …

We are starting to put our money where our ideals are.”

Many organizations have long understood the importance of CSR. More than 30 years ago, 23 Minnesota companies formed the Keystone Program.

Participating firms each contribute at least 2 percent of annual pre-tax earnings back into their communities. Today, there are more than 200 members of Keystone.

Target Corporation – a charter Keystone member as Dayton Hudson – contributes 5 percent of pre-tax

earnings, in good times and in bad.

I recently spoke with my friend and former colleague Gail Dorn, who was for many years the vice president of communications and community relations at Target.

Gail talked about the enduring culture and tradition of giving back at Target, and indicated there were many times when it would have been easy to cut the program.

She recalled, “Analysts would challenge us, asking, ‘Why are you giving away 5 percent?’ (Target leadership) ignored their pleas.

Even though a return on investment was difficult to measure, Target’s community programs generated incredible goodwill.

Our customers loved that we always took the extra step to become integrated in the community. This was particularly helpful in 1987 when Dayton Hudson sought public support to fend off a hostile takeover attempt.”

Another mighty Minnesota corporation that appreciates the importance of CSR is the Best Buy Company. An article in the Dec. 7, 2009 issue of Fortune magazine describes Best Buy’s free recycling program.

Since March, when Best Buy began offering free recycling of TVs, computers, and any other

electronic gadgets, more than 25 million pounds of old devices have been turned in at Best Buy’s 1,004 U.S. store locations.

Fortune says, “The company’s massive recycling program seems expensive to run, until you look at all the benefits: a green reputation, a focus on service, and a fresh way to get customers into the stores. No wonder Best Buy has learned to love old TVs and eighttrack tape players.”

Best Buy’s leadership understands that the takeback program will probably be, at best, a break-even proposition. Nevertheless, P & L consequences aside, Best Buy CEO Brian Dunn described how he feels when a customer drops off an old TV set: “I’m happy because it helps make the connection between Best Buy and the customer and the community.”

Sometimes, financial outcomes are not the most important consideration in business.

Small and medium-sized companies should take heed of the responsibility revolution as well. Time points out that shoppers consider not only the nature of the product they buy, but where it came from. More than 80 percent of consumers say they have deliberately supported local and neighborhood businesses (like Big Apple Bagels) that demonstrate a corporate con-

science and concern for the environment.

Also, there are more than 250 socially responsible investment mutual funds (consisting generally of companies that do not profit from tobacco, oil, or child labor), that today manage approximately $2.7 trillion in wealth.

Time concludes, “Americans are recalibrating our sense of what it means to be a citizen, not just through voting or volunteering, but also through commerce: by what we buy. … That’s evidence of a changing mindset, a new kind of social contract among consumers, business, and government.

We are seeing the rise of the citizen consumer- and the beginning of a responsibility revolution.”

Indeed, smart companies today have seen the future and are taking action.

These companies know that corporate social responsibility is good business strategy.

Jeff Appelquist is founder and president of Blue Knight Battlefield Seminars, which provides individual leadership and team development training. Jeff is a former Marine officer, practicing attorney, and corporate executive. His website is www.blueknightseminars.com, and he can be reached at jeff.appelquist@ blueknightseminars.com.

Questions to ask before you donate to charitable organizations Money Management Even in a bad economy, individuals and businesses still reach deep into their pockets to help out those who are less fortunate, especially as the holidays draw near.

However, in good times or bad, it’s important to know that the money you are giving to a charity is truly being put to good use.

Many con artists try to cheat people out of their dollars by pretending to be involved in a legitimate charitable organization.

The Minnesota Society of CPAs offers these questions to ask to ensure you are avoiding charity scams.

Can you give me details in writing?

A reputable organization should be happy to supply you with written information that covers its address and contact details, what kinds of works it is involved in and whether your donation will be tax deductible.

You can also learn more about individual organizations through the Better Business Bureau at www. give.org.

If the group refuses to provide you with any information – or gives hazy answers about its mission or its tax-exempt status – don’t turn over any money to them.

Should I respond to this e-mail?

Many con artists use email to solicit donations for phony charities, so do some research before sending money in response to an online appeal and never reveal any personal or account information in an e-mail.

How much of my money really goes to charity?

Ask if the person or group soliciting the donation is a paid fundraiser, and how much of your donation will actually go to those in need, rather than paying for salaries or other administrative costs.

Go to www.charitynavigator.org to see ratings of

various organizations and a full report, including details on how their money is spent.

How long have you been in business?

Every day the news brings compelling pictures of natural and manmade disasters and o t h e r p ro b -

lems that leave people in need of help. Charitable groups often seem to spring up out of nowhere to help, but even if their inten-

tions are good, donating to a brand new group may not be the best idea. That’s because the group may not have the experience necessary to get the job done.

Your charitable dollars may b e b e t t e r spent by an organization with a long

history of responding to similar disasters or problems. Remember, too, that disasters often bring out fraudulent organizations trying to take advantage of the public’s

generosity, so be particularly careful when dealing with an unknown group.

Do I have to donate to win a prize?

Some groups tell you that your donation qualifies you to enter a contest for valuable prizes.

In fact, it is illegal to require you to make a donation in order to win a prize.

Donations to organizations that use this come-on are probably not really going to those in need. And the “contest” is likely bogus, as well.

Find out also whether your donation is tax deductible, as it should be when made to a legitimate charitable organization.

Can you repeat the name of your group?

Many phony operations choose names that sound just like legitimate, wellknown charitable organizations in order to con people into trusting them. If you’re uncertain about whom you’re dealing with, contact

the better-known group to see if the solicitation is really from them.

Your local CPA can offer advice on how to spend your money wisely, whether you’re making a charitable donation or putting together a family budget.

Information and resources are available to the public on the MNCPA Web site (www.mncpa.org/ information) and at MyTaxTime.com including tax and financial planning information for individuals and small businesses.

A free CPA referral service is also available on the Web site or by calling 800331-4288.

The MNCPA is part of the national 360 Degrees of Financial Literacy campaign to help Americans‚ improve financial literacy; information and resources are available at www.mncpa.org/360.

Money Management is a weekly column on personal finance prepared and distributed by certified public accountants.

6A

December 10, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Spotlight

Putting his best foot forward Runner’s Gate combines owner’s interest in fitness and long-distance running

by Tad Johnson DAKOTA COUNTY TRIBUNE

In Brief

Runner’s Gate installed a small indoor track at the beginning of the year as the store added 1,000 square feet of space. Although it is a rather tight circle, owner Phil Hoffland says its the only indoor track in Lakeville.

Photo by Tad Johnson

Photo by Tad Johnson

Runner’s Gate owner Phil Hoffland helps a customer try on a shoe on Monday during the holiday shopping season.

Center and later served as training specialist for Life Time Fitness.

An avid runner, I have participated in road races and marathons across the country, including the Twin Cities Marathon, Naples Daily News Half Marathon in Naples, Fla., Boston Marathon, Disney Marathon and Honolulu Marathon. I have also served as a volunteer running coach for the local Leukemia Lymphoma Society.

Q. What is the most rewarding part about being involved in your field?

The most rewarding part of my business is seeing the difference running and walking makes in a person’s life. I love it when a customer comes into the store

Photo by Tad Johnson

Runner’s Gate owner Phil Hoffland has a full line of high-performance running and walking asking the question “I want shoes at the Lakeville shop. to start running – what do I need to do?� We are here Q. How do you strive to brands along with apparel. Team in Training and other to help customers achieve maintain a thriving busi- The store also carries run- fundraising organizations. their goals; when they reach ness?

Q. What advice do you ning accessories, including their goal it’s rewarding for I believe that in order energy bars, fuel belts, hats, have for other business us to see the success in their for a business to continue gloves and water bottles. owners either in your own eyes. to grow you can never settle Q. What kind of civic field or generally?

Q. What are some mile- for where you are. To main- involvement is the comFollow your dream; it stones in the company? tain the growth in business pany or its employees in- will be hard work with sevReaders of “Runner’s we have to stand apart from volved in? eral obstacles to overcome.

World� magazine voted other similar businesses. To We sponsor the South of Stay persistent, network Runner’s Gate as the top do that we are dedicated to the River Running races in with others in the same running store in the Mid- consistently exceeding cus- local communities that host a business and success will west two years in a row. tomer service by rendering family running/walking race come your way.

In January 2009, Run- excellent service, quality between May and August. ner’s Gate expanded, add- running footwear and apWe have a food drive (in Managing editor Tad ing 1,000 square feet, and parel, and an atmosphere the) spring and fall to raise Johnson compiles the Dakota remodeled its current loca- at an acceptable price with donations for the local food County Tribune Business tion to accommodate addi- superior value. shelves. We collect gently Weekly’s Spotlight, which tional footwear and apparel Q. What are the basic used shoes year round that features local small business brands. As part of the re- services or products that are donated to the Emerand micro business owners. model, a unique feature was you provide? gency Food Shelf.

To suggest a business for a added – an indoor track. It’s I am a volunteer coach Spotlight feature, e-mail We offer best-selling small, about 100 laps/mile. running and walking shoe and present workshops to tad.johnson@ecm-inc.com.

Book Your Company Event at...

For those who want to put their best foot forward, their first step starts at Runner’s Gate in Lakeville.

Billed as the south metro’s premier source for running shoes, apparel and accessories for athletes of all ages and abilities, Runner’s Gate was founded five years ago by owner Phil Hoffland after managing three fitness centers throughout the metro.

Hoffland, who has run in marathons from Honolulu to Boston, sought a way to bring together his interest in fitness and love of running to create a running store focused on the runner. “Running can be a lifelong activity,� Hoffland said. “Having the right shoe can make all the difference.

At Runner’s Gate, we’ll help determine the best type of shoe for you based on the shape of your foot, your stride, the mileage you run, and more. Unlike the sports super stores, we get to know our customers. We help you find the right shoe and join you in celebrating the joy of running.�

Hoffland took some time out recently to answer questions for the Dakota County Tribune Business Weekly’s Spotlight.

Q. What is your background?

I have worked in the fitness industry for more than 20 years. I earned a master’s degree in education from the University of St. Thomas, St. Paul. I was athletic director at Flagship Athletic Club in Eden Prairie before joining Northwest Athletic Club as general manager.

I was executive director of the Shoreview Community

Runner’s Gate is located at 7676 160th St. in Lakeville. It can be reached by calling (952) 997-2353 or online at www. runnersgate.net.

8075 Lucerne Blvd.

3 Miles West of I-35 952-440-4656 • HeritageLinks.com Lakeville, MN 55044

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY December 10, 2009

7A

Underrepresented student enrollment soars at DCTC College records 17.4 percent jump for fall semester According to a recent report released by the Minnesota State College and Universities Board of Trustees, enrollment for underrepresented students at Dakota County Technical College rose from 1,281 for fall semester 2008 to 1,504 for fall semester 2009, an increase of 17.4 percent.

Kelly Murtaugh, DCTC vice president of academic and student affairs, welcomes the challenges presented by higher education environments where multiculturalism and diversity are on the rise.

“We can’t just assume that people from underrepresented backgrounds share the same mainstream cultural language,” she said. “As our campus becomes more diverse, our administrators, faculty and staff are exploring better, smarter and more inclusive ways to deliver knowledge both inside and outside the classroom.”

Murtaugh noted that DCTC is also looking far into the future in terms of developing and instilling diversity at all levels of the college, including faculty.

“As our graduates from underrepresented populations enter the workforce and become experts in their fields as well as leaders in business

In Brief

Photo submitted

Dakota County Technical College instructor Harold Torrence leads a class in the college’s Business and Management program. and industry, we will be inviting them to return to DCTC as instructors so that they can share their know-how, experience and perspective with our future students,” Murtaugh said. “We are taking a long-term, comprehensive approach that will enhance diversity at the core level.”

To compete effectively in the global marketplace, Minnesota employers require more and more college graduates from underrepresented segments of the state’s increasingly diverse population.

MnSCU provides funds to all 32 of its colleges and universities to expand programs

Underrepresented students are defined as follows: • Underserved students traditionally excluded from full participation in society and its institutions • African Americans/Black • Asian • Hispanic • American Indian • Multiracial • First-generation students • Defined by Minnesota Legislature as students with neither parent attending college • Defined by TRiO as students with neither parent receiving a college degree • Low-income students • MnSCU uses Pell grant eligibility as a low-income indicator In certain cases, other groups of students may also meet the standard.

For instance, males could be considered underrepresented in disciplines traditionally served by females.

and services that bring more underrepresented students into the system. Proven best practices include: • Helping new students successfully transition from high school to postsecondary education • Advisors consistently initiating contact with students • Student learning communities • Summer programs • Tutoring Faculty members are already making an impact in the quest to increase multicultural competence and awareness in the workforce.

Scott Gunderson, chair of the college’s Business and Management department and an instructor in the Supervisory Management program, and his colleague, Harold Torrence, also a supervisory management instructor and recently honored by his selection to the Hispanic Chambers of Commerce of Minnesota 25 on the Rise, are delivering a groundbreaking Multicultural Management program at the college’s Apple Valley site.

“We designed this program specifically to give our students the tools and understanding needed to compete successfully in the modern business environment, which is changing daily to reflect our increasingly multicultural

society,” said Torrence. “Because the skill set we teach is universal, our graduates can immediately apply their newfound knowledge across a full spectrum of organizations, including manufacturing, event hospitality, retail, health services, marketing, business and any number of for-profits and not-for-profits.”

Pat Lair, the college’s director of admissions, recruitment and outreach, reported that DCTC’s commitment to diversity got a boost several years ago when the college created the position of multicultural advisor and recruiter.

Getting the word out about college opportunities and establishing relationships are the key duties of the job, which takes the recruiter to many locations in area communities, including urban high schools, Adult Basic Education programs, ESOL classes, the Hubbs Center and many cultural events.

Lair pointed out that the entire staff in Student Services works from the same vantage point as the multicultural recruiter and advisor.

“We have the experience and expertise to understand the unique needs of students from diverse cultures and circumstances,” he said. “We are geared to assist all students who walk through our door and are more than ready to facilitate their entrance into college.”

Xuong Tran recently transitioned from the multicultural recruiter and advisor position to become an advisor for TRiO/Student Support Services at DCTC. Tran reported that students eligible for Student Support Services must meet one or more of the following criteria: • Low-income student • First-generation college student with neither parent having a bachelor’s degree • Student with a documented disability Tran explained that Student Support Services, which is funded through a grant from the U.S. Department of Education, is an educational opportunity program that serves 150 students at DCTC. Students in the program receive intensive, one-on-one and small-group assistance designed to meet their specific needs.

“We have three key goals for students in SSS,” Tran said. “We help them excel in their coursework and re-enroll each semester so that they graduate on time. We then help our graduates transfer to a four-year institution and earn a bachelor’s degree.”

Tatiana Lozada, a graduate of the college’s Practical Nursing program and current president of the Multicultural Student Leadership Association and vice president of the Student Senate, remembers feeling distressed and out of place when she immigrated to the United States from her native Venezuela more than a decade ago.

“I came to the U.S. with my husband, Luis, because of dangerous conditions in my country and to pursue my higher education career, but I spoke very little English,” she said. “What really got me motivated to learn English and adapt to my new surroundings was when I met with my daughter’s teacher and couldn’t understand a word of what she was telling me.”

Today, Lozada speaks such fluent English that she works as a professional interpreter for an agency that specializes in providing translation services to the medical industry.

She watches with amaze-

ment at how easily her two daughters, Gabriela, 16, and Sofia, 10, have taken to life in Minnesota.

Because Lozada believes that balance is a crucial component of their upbringing, both girls speak fluent Spanish and are exceedingly knowledgeable about Venezuelan culture. The family also enjoys a steady diet of healthful Venezuelan cuisine at home.

“When I first arrived in the U.S., I was so thirsty to tell people about my Venezuelan heritage,” she said.

“Later, I began to see that people everywhere have so many things in common.

I also learned that sharing our differences is what really bridges the gap and brings us together. The more we find out about each other, the more we can understand and accept each other.”

Lozada is completing a number of classes at DCTC with the goal of transferring to a college or university with a registered nursing program so that she can eventually work as an RN in a hospital emergency room, a location where her multicultural skills will be in high demand.

Meanwhile, she sees the role of the MSLA at DCTC as helping underrepresented students adjust to collegiate and community life while raising multicultural awareness throughout the student population. She also sees the Student Senate as an ideal place for students from minority backgrounds to not only be heard, but to also achieve the important balance between adapting to new circumstances and retaining their cultural heritage.

“Basically, when adult immigrants arrive in the U.S., they often have a very hard time understanding things that people living here take for granted,” Lozada said.

“We need to get the word out about all the opportunities available to become involved and contribute. By becoming more visible and in touch with students from all backgrounds, we can show that the differences between cultures do not set us apart, but actually make us stronger.”

Senator requests the President emphasize small business jobs

US Federal Credit Union CFO honored

In a letter to President Barack Obama, U.S. Sen. Amy Klobuchar called on Monday for a focus on small businesses to be included in the administration’s job proposals.

In her letter, Klobuchar requested a targeted lending program that would provide up to $50 billion to increase the flow of credit to small businesses and provide additional resources to help small businesses expand into new markets and export their products overseas.

Leon Eichten, senior vice president/chief financial officer of Burnsville-based US Federal Credit Union, was named a finalist in the Minneapolis/St. Paul Business Journal’s 2009 CFO of the Year competition for the nonprofit organization category.

Eichten has served as US Federal’s CFO for the past 10 years. During this time, he has taken on issues such as risk-management analysis and loss mitigation.

“I’ve worked in both the

“The American economy won’t recover until our small businesses recover,” Klobuchar said in a press release.

“Small businesses are the engines that drive job creation in this country. Opening up credit and expanding into new markets will spur economic growth and strengthen our economy.”

The letter calls for consideration of a proposal which creates a loan pool for small business lending through a combination of TARP funds and private sector investment.

Klobuchar recently chaired a Joint Economic Committee hearing and pushed for the idea with Treasury Secretary Tim Geithner.

Klobuchar’s letter also encouraged the promotion of small business exports through restoring the staff at the U.S. Commercial Service and removing other regulatory and financial hurdles that impede small businesses’ ability to export overseas.

The U.S. Commercial Service consists of Commerce Department officials who

help connect U.S. businesses with customers abroad. It has been reduced by more than 200 people over the past five years.

Klobuchar is the Chairman of the Commerce Committee’s Subcommittee on Competitiveness, Innovation and Export Promotion and recently held summits in Minneapolis, Moorhead, and Sioux Falls to talk to businesses about the government’s export promotion resources.

for-profit and nonprofit sectors, and what I find most rewarding in my career as a credit union CFO is the chance to input strategies that can truly make a difference in peoples’ lives,” Eichten said.

Other professionals selected in this third annual awards program included individuals from a variety of industries.

The winners and finalists were chosen by a panel of financial leaders at Twin Cities companies.

8A

December 10, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Area schools to form South Suburban Conference Little to change for area athletes, parents except for games closer to home

by Jeff Achen DAKOTA COUNTY TRIBUNE

The departure of local school districts from the Lake Conference was mostly financial. It makes sense for schools to keep competition local.

Staying in the Lake Conference would have meant drives as far away as Wayzata for match ups, something parents would rather avoid and schools can no longer afford.

According to Lakeville Public Schools Superintendent Gary Amoroso and Apple Valley Eastview High School Athletic Director Matt Percival, the new South Suburban Conference really won’t mean too many other changes for student athletes.

Amoroso and Percival were my guests on Thisweeklive for the Oct. 27 episode. They said the addition of Edina, Hopkins, Wayzata and Minnetonka into the Lake Conference forced South Metro school districts to consider forming their own.

“It was a collaborative effort with Rosemount-Apple Valley-Eagan, with Burnsville, with Bloomington, with Prior Lake to move forward,” Amoroso said. “From our perspective it was driven by two factors, one being travel time, which led to loss of academic time for students, and second it was looking at the costs associated with travel.”

Tribune Columnist The Takeaway The Takeaway is a regularly appearing feature in which Thisweeklive The Show host Jeff Achen reflects on the television show’s in-depth interviews with south-of-the-river newsmakers.

Schools will still have the option to play teams outside of the South Suburban Conference for non-conference play.

For the remainder of this school year, Eden Prairie, Chaska and Chanhassen are still in competition for South Metro schools as part of the Lake Conference. Next year, with the formation of the South Suburban Conference, Chaska and Chanhassen will join the Missota Conference and Prior Lake will leave the Missota Conference to join the South Suburban Conference.

“I think one of the exciting things is the quality of activities that our students are currently involved in, that doesn’t go away with this new conference and I think that’s the reason why there’s been so much support from all the districts as we’ve had the conversations at the board level, as I’ve had conversations in the community with our parents,” Amoroso said. “People are excited because they know that the qual-

ity of competition, they know that the opportunities and activities that their children have been involved in are still going to be there next year.”

From a management perspective, Percival said the decision has been in the cards for some time.

“We start and look at things, OK, what are our ‘have-tohaves?’ And our ‘have-to-haves’ are we need to have a coach and we need to pay for the officials and we need to have, as much as we can, buses to and from the game. Quite frankly, that’s really about all we fund right now,” Percival said.

The Lakeville School District has adjusted its budget by over $16 million in the last seven years. Part of that has been the co-curricular activities, Amoroso said.

“As we look to the future we anticipate a $5-6 million budget adjustment for the 2010-11 school year and co-curriculars will be part of that conversation. So, it becomes more chal-

Screenshot by Jeff Achen

Host Jeff Achen spoke with Lakeville schools Superintendent Gary Amoroso, center, and Eastview High School Athletic Director Matt Percival, right. lenging to do what we’re doing, but we want to be able to provide as much as we can for our students,” Amoroso said.

He said the district does track the number of students involved in co-curricular activities from year to year. That number has remained fairly steady at the middle school level at over 2,000 students.

“At the high school level we’ve seen a bit of a reduction in track, but not in many other activities,” Amoroso said. “And in fact, we’ve added lacrosse for boys and girls and those programs are to the point where we’ve had to begin to cut kids because so many have come out.”

Still, the increased fees have put more challenges on parents.

The Minnesota State High School League has some say in the conference formation. Percival said school districts have the freedom to choose which conference to be part of, but the league can place individual school districts into a conference if necessary.

“We think that the 10 schools that are going to be involved in this conference have found a way to maintain quality programs, but to cut down on costs. And, to increase academic time for kids,” Amoroso said. “We hope that as the conversation continues that the league appreciates what

we’ve done and instead of looking to create a situation which could increase costs and reduce academic time, that they look in other areas of the metro on how some of the issues could be addressed and really take to heart what we’ve done ... and let us move forward.”

For the complete interview, visit www.thisweeklive.com/ theshow.

Online Editor Jeff Achen interviews guests on Thisweeklive the TV Show each week. Dakota County Tribune Business Weekly features weekly highlights from the show. Contact Jeff at jeff.achen@ecm-inc.com.

Local homes are Professional Builders Council winners James Madsen of James Barton Design Build in Apple Valley hosted a party at Enjoy Restaurant to congratulate his customers who won a Professional Builders Council and Chrysalis Award in 2008/2009.

PBC is a national organization established to promote professionalism, quality and integrity in the building and remodeling Industry.

In an effort to bring to the attention of the public builders and remodelers who adhere to the highest of standards, PBC conducts three national award programs.

The Chrysalis Award began in 1994 and recognizes

the nation’s best work in 17 categories.

The following James Barton Design Build customers were winners: Scott and Eila Norberg; David and Susan Erstad; Herm and Jan Kauls; Keven and Nancy Valois; and Robert and Mary Louise Tunnings.

“In a slower economy more people are spending their free time at home with their families. Perhaps the best thing about home improvement is that you the homeowner and family get to Photo submitted Photo submitted enjoy that investment imme- The home of Scott and Eila Norberg won in the Exterior The home of David and Susan Erstad won in the Entire diately,” Madsen said.

Remodel/Interior Updates category.

House Remodel category James Barton Design Build is online at www.jbdb.bi

Photo submitted

Photo submitted

Photo submitted

The home of Robert and Mary Louise Tunnings won in the The home of Kevin and Nancy Valois won in the Addition Herm and Jan Kauls – Pergola/Decks/Porch Addition/ Master Bathroom Remodel/Closet Addition category. and Kitchen Remodel category.

Siding and Exterior Updates

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY December 10, 2009

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Capitol Commerce

State budget woes are back again Gov. Pawlenty says budget deficit is ‘significant but solvable’

by T.W. Budig ECM CAPITOL REPORTER

State leaders learned on Dec. 2 that budget woes await not only in the future but now.

The November economic forecast released Dec. 2 shows an expected $1.2 billion budget shortfall existing in the state’s current two-year budget cycle. Pawlenty administration officials called the deficit “significant.”

The shortfall, much of which the forecast ascribes to a decline in income tax revenue stemming from a larger than expected decline in wages paid to Minnesotans, had lawmakers speaking of working together.

But differences also ap-

peared.

Gov. Tim Pawlenty at a Capitol press conference called the budget deficit “significant but solvable.”

Pawlenty looks to budget cuts, not tax increases, as a means of addressing it.

The governor ordered state agencies to freeze spending on 3 percent of their operating funds. A DFL finance chairman said the action froze about $120 million.

Pawlenty also spoke of possibly unalloting some of the December local government aid (LGA) payments.

The LGA action had “yet to be decided,” said Pawlenty.

Most of the budget deficit could be solved during the

Capitol Roundup

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

upcoming legislative session, explained Pawlenty.

Lawmakers return to the Capitol on Feb. 4.

Pawlenty expressed a desire to work with DFL legislative leaders in solving the shortfall, but also indicated that if agreement could not be reached he possibly could “take a different path.”

Pawlenty at the close of the last legislative session upset and flabbergasted DFLers by unilaterally unalloting about $2.7 billion in spending, trimming the state budget after vetoing the DFL tax

increases reaching his desk.

Pawlenty insisted the current $1.2 billion shortfall would still exist had he signed the tax increase legislation.

Besides predicting a $1.2 billion deficit in the current biennium, the November budget forecast shows a $5.4 billion budget deficit looming ahead in the next budget cycle, the 2012-13 biennium.

Once inflation is factored in, the projected deficit swells to about $6.6 billion.

But Pawlenty argues the projection fails to reflect corrective budget actions yet to be taken and the actual deficit will be around $2 billion.

DFLers, in part, echoed Pawlenty’s approach to dealing with the budget deficit.

Senate Majority Leader Larry Pogemiller, DFL-Minneapolis, said state spending “absolutely” needed to be cut.

But Pogemiller argued – in addition to calling for new leadership in the Department of Employment and Economic Development, a agency currently led by Commissioner Dan McElroy – that the state faced a revenue problem.

And Pogemiller indicated that he did not share Pawlenty’s stance on taxes.

“I absolutely believe he’s (Pawlenty) wrong about that,” said Pogemiller, asked Photo by T.W. Budig Gov. Tim Pawlenty, talking on the day of the release of the November economic forecast, about the governor’s no-taxspoke of working with DFL leaders on finding solutions to the shortfall.

Klobuchar honored by Minnesota Auto Dealers Senator praised for work to fix Cash for Clunkers glitch The Minnesota Automobile Dealers Association reported that it has honored U.S. Sen. Amy Klobuchar as its Legislator of the Year for her leadership in coming to the rescue of local dealers threatened with closure by General Motors and Chrysler. The association also credits her with intervening to fix problems with last summer’s Cash for Clunkers program.

“The senator is a true public servant who has gone out of her way to help Minnesotans in distress,” said Scott Lambert, executive vice president of the dealers association.

“One of the greatest satisfactions in my job is when I have the opportunity to really make a difference for people

in Minnesota,” said Klobuchar. “Our local auto dealers weren’t being treated fairly, either in Detroit or Washington. These dealerships are vital to our state economy and our local communities. As Minnesota’s senator, I had a responsibility to do everything I could to protect the interests of Minnesota businesses and communities.”

Earlier this year, as they emerged from bankruptcy, General Motors and Chrysler announced that they planned to close several thousand local auto dealers, including dozens in Minnesota.

In June, as a member of the Senate Commerce Committee, Klobuchar pushed top auto industry executives to explain why they planned to close so many dealers and how they decided which dealers to close. Klobuchar noted that many of the Minnesota dealers who were noti-

fied of closure are dealers that are doing well, especially in the current economy.

Klobuchar worked directly with Minnesota dealers, the auto companies and the Obama Administration to seek relief for dealerships that have been designated for closure. As a result, both GM and Chrysler agreed to negotiate with national auto dealer representatives to address their concerns and ensure fair treatment.

In addition, the Special Inspector General of the Troubled Assets Recovery Program is auditing the decisions of GM and Chrysler to terminate their dealership agreements as part of their restructuring plans. A report is expected early next year.

Klobuchar also came to the aid of Minnesota’s auto dealers in July, when the Cash for Clunkers program got off to a bumpy start because of

computer problems at the U.S. Department of Transportation and misunderstandings about Minnesota’s vehicle registration system.

Klobuchar immediately brought the two issues to the attention of Transportation Secretary Roy LaHood, who responded promptly to fix the problems.

In the end, Minnesota ranked 13th in the nation for Cash for Clunkers sales, with over $72 million in approved rebates.

“Once the initial problems were corrected, Cash for Clunkers became one of the most successful initiatives under the American Recovery and Reinvestment Act,” said Klobuchar. “It gave an immediate, strong boost to the American economy. It worked for our auto dealers, the auto industry and consumers.”

Photo by T.W. Budig

House Minority Leader Kurt Zellers, R-Maple Grove, said he was certain the House Republican Caucus would hold together to block any override attempts should DFLers pass a tax increase, Pawlenty veto it, and DFLers attempt to slam it through. increase philosophy.

As for McElroy, “sometimes things just don’t work out,” Pogemiller said.

Pogemiller expressed hope that Pawlenty would remove McElroy. The Senate could do this by not confirming the former Burnsville lawmaker.

House Speaker Margaret Anderson Kelliher, DFLMinneapolis, spoke of wanting to reach agreement with the governor on the budget.

She spoke of DFL leaders immediately digging into the problem.

“Minnesota has been guided too long by slogans

and band-aid budgets,” said Kelliher.

House and Senate Republicans look to budget cutting in solving the budget deficit, not tax increases.

House Minority Leader Kurt Zellers, R-Maple Grove, said a tax increase would “absolutely kill our economy.”

Senate Minority Leader David Senjem, R-Rochester, indicated that human services spending would be one place Republicans would look to trim the budget.

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

Senators push for benefits extension for unemployment U.S. Senators Amy Klobuchar and Al Franken called on Tuesday for an extension of unemployment benefits and eligibility for the COBRA health insurance benefits before the end of the year.

They joined 22 other senators sending a letter to Senate Majority Leader Harry Reid, asking him to make the extension of these programs a “high priority” and pass them

by Dec. 31, 2009.

“In Minnesota and across the country, workers are struggling to find jobs,” said Klobuchar in a press release.

“Extending these benefits will help people continue their health care coverage under COBRA as they continue to look for work.”

“Minnesotans are already hurting right now, and the expiration of the COBRA subsidy will make premi-

ums so expensive that many families will be forced to drop their coverage,” Franken said.

“Now is not the time to put another burden on struggling families. During this recession, the last thing Congress should do is pull the plug on benefits before folks have had a chance to get back to work.”

Nationally, 1 million workers could lose jobless benefits in January if this program is not extended before the end of the year.

By March, 3 million unemployed individuals would lose federal jobless benefits.

The national unemployment rate is 10 percent. The Minnesota unemployment rate is 7.6 percent.

In November, Klobuchar and Franken worked to secure an additional 14 weeks of benefits for jobless workers in Minnesota.

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December 10, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Capitol Commerce

Income tax decline fuels deficit State revenues on pace to decrease by 5.5 percent in 2009

by T.W. Budig ECM CAPITOL REPORTER

State Economist Tom Stinson indicated on Dec. 2 that discussing the current national economic picture did not make for cheerful talk.

State officials pointed to a lingering feebleness in the U.S. economy as largely responsible for the current $1.2 billion state budget shortfall as detailed in the November economic forecast.

The forecast was released Dec. 2.

Although the nation may technically be out of recession, the forecast notes that most forecasters believe the recovery will be one of the slowest on record.

Job losses in Minnesota have been accompanied by historic declines in total wages paid to state resi-

dents.

Although state wages and salaries have not declined on an annual basis since 1970 – the first year the data was reported – they’re on pace through November to decline by 5.5 percent.

That’s almost four times higher than earlier projected.

Because of the decline, an $827 million decrease is expected in individual tax receipts coming to the state.

This accounts for the bulk of the projected $1.2 billion deficit for this current two-year state spending cycle.

Although Minnesota’s October unemployment rate was below the national average, the forecast notes this does not mean the state has sidestepped the worst of the recession.

State Sen. Dick Day to resign to lead racino effort State Sen. Dick Day, ROwatonna, will resign his senate seat to lead a newly organized effort to achieve legislative approval for slot and video games at Canterbury Park and Running Aces racetracks.

His resignation is effective Jan. 8, 2010.

“Anyone who knows me knows that a racino at Canterbury Park has been one of my top legislative priorities for 12 years, since 1997 when I first proposed the idea to fund a new Twins ballpark,” Day said in a press release. “Every year I have tried to get the Legislature to see how the people of Minnesota could benefit from my plan, to see the various ways we could use the hundreds of millions of dollars the state would earn from racinos.

“Now I have the opportunity to work full time toward this end, and I look forward to traveling throughout the state to talk to Minnesotans about the many ways we will all gain from these two racinos,” Day said.

Day said racinos would bring thousands of jobs and $250 million a biennium in revenue.

He said the money could be used for programs such as education, transportation, health care or to fund a stadium.

“With the recent news of a $1.2 billion budget shortfall, it’s clear we need racino now,” he said.

Racinos are currently legal in 12 states where they

Senator Dick Day bring in $2.5 billion a year in revenue from gaming for state and local governments.

Racinos around the country employ over 29,000 people.

Day was first elected to the Minnesota Senate in 1990. He served as minority leader of the Republican caucus from 1997-2006, longer than any other minority leader in the state’s history.

“I am grateful to the people of Rice, Waseca and especially Steele County and my hometown of Owatonna for the confidence they have shown in me over my many years in elective office. They have deserved - and I hope feel they have received - my very best effort to serve their interests,” Day concluded.

Day has accepted the position of president of Racino Now. Information about the organization can be found at www.racinonow.com.

Through October, the state has lost 131,000 jobs with further job losses expected until spring – 150,000 jobs in total lost.

If this forecast proves true, the state will have lost a decade of job creation.

Improvement will come slow.

Nationally, unemployment is expected to exceed eight percent in 2013.

Total wages by U.S. workers are currently 5 percent below their summer 2008 high and forecasters do not expect them to regain that plateau until mid2011.

Stinson called the decline in total U.S. wages seen for the last three quarters as “something that’s really unprecedented.”

Stinson anticipates a small increase in employment levels in Minnesota,

with slight increases in construction and the manufacturing sector “stabilizing.”

Hiring for the upcoming federal census will also create jobs.

Global Insight, the company that does the state’s budget forecast, assigns a 60 percent probability to their baseline forecast.

Looking ahead, the November forecast projects a $5.4 billion budget deficit for the next two-year budget cycle, the 2012-12 biennium.

If inflation is factored in, the projected deficit swells to $6.6 billion.

But Gov. Tim Pawlenty argues that planned corrective actions will markedly reduce the size of future budget deficits.

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

Photo by T.W. Budig

State Economist Tom Stinson spoke on Dec. 2 about the current $1.2 billion state budget shortfall as detailed in the November economic forecast.

Conlon seeks Republican endorsement for state auditor Former St. Paul School Board Member Tom Conlon announced last week that he will seek the Republican Party endorsement for Minnesota state auditor.

“In difficult economic times for families and taxpayers, as well as Minnesota’s local governments, accountability in how we spend our tax dollars is essential.” Conlon said in a press release. “We cannot do business as usual when people are hurting.”

Conlon said that the state auditor plays both a policy and a non-partisan, professional role in assisting municipalities, counties and other governmental bodies in Minnesota with strong accounting and reporting practices.

“I want to improve transparency of how tax dollars are raised and used,” he said. “The auditor must also consider the challenges governmental units face and provide assistance where needed to improve accountability and transparency.

There must be a better way.”

He said examples where

transparency could and help people and be improved are in communities in the areas of tax increment long term, particularly funding and other in the private sector.” public subsidies local Conlon served on the governments use for St. Paul School Board economic developfrom 1992 until earlier ment.

Tom Conlon this past summer, when “We must make he resigned his seat to sure there are sound relocate to Asheville, reasons for such and not po- N.C., to operate a historic inn. litical payoffs or wasteful He recently returned to handouts to political cronies,” Minnesota and has continhe said. “There are probably ued his teaching duties on the places where this has become management faculty at Metan issue, and I look forward ropolitan State University. He to talking with Minnesota’s also is a self-employed photogcitizens and elected officials on rapher and real-estate investor. the campaign trail to find out Divorced, he resides in St. areas of concern in their com- Paul’s Macalester-Groveland munities.” neighborhood where he grew Other areas Conlon said he up and has lived again since feels the auditor can play an ac- 1989. tive role are ensuring that state Conlon served as the school and federal funds going to lo- board’s lone Republican his encal governmental units for job tire time on the board (and as growth are creating sustainable the sole Republican-endorsed jobs in the long term. elected official among the city’s “If these funds disappear elected officials at any level of in one or two years, and they government). likely will, the money is wasted “Having won five consecuif those jobs disappear. Sustain- tive elections with Republican able jobs are a wiser investment party endorsement in a heav-

ily DFL city, I believe I am the most electable of the candidates for our party endorsement because I can attract votes from constituencies that traditionally have not supported Republicans,” he said. “I represented a constituency of approximately 287,000 people (2000 Census) or half of a congressional district, so I also bring a larger general election base to grow from.”

Conlon hopes to be endorsed at the Republican Party state convention in late April 2010 and has begun campaigning throughout the state to meet with party activists, delegates, citizens, elected officials and attend community events and forums.

Conlon, 49, who was born and raised in St. Paul, obtained degrees at the University of North Carolina-Chapel Hill (bachelor of arts in journalism/ political science, 1984; master of arts in public administration, 1986) and a Ph.D. in work and human resource education from the University of Minnesota in June 2009.

Sterner among elected officials at Farm Bureau meeting Farm Bureau members from Minnesota heard from several elected officials at the Minnesota Farm Bureau Federation Annual Meeting Nov. 19-21.

“We were very pleased to have a number of elected officials join us in celebrating Minnesota Farm Bureau’s 91st Annual Meeting,” said MFBF President Kevin Paap.

“The officials discussed issues important to farmers and shared their views on the up-

coming legislative session and Congress.”

U.S. Rep. James Oberstar, chairman of the House Transportation and Infrastructure Committee, addressed Farm Bureau members Nov. 20 at a legislative reception held prior to the evening banquet. Oberstar emphasized the importance of investing in upgrades to our nation’s transportation infrastructure.

Also, addressing the group

at the reception were state Sen. Tarryl Clark; state Reps.

Randy Demmer, Tom Emmer, Phil Sterner, Marty Seifert, Ron Shimanski and Paul Torkelson.

U.S. Rep. Tim Walz spoke to Farm Bureau members during the Friday evening banquet. He expressed his sincere appreciation for our state’s farmers and ranchers and the agriculture industry.

Walz, among other things, stressed the need for our

country to lessen its dependence on fossil fuels.

State Rep. Al Juhnke and state Sen. Satveer Chaudhary addressed Farm Bureau members Nov. 21 during an educational seminar. They discussed issues the Minnesota Legislature will be dealing with next year. Top of the list is the bonding bill, animal welfare issues, biofuels, greenhouse gas reduction initiatives and continued support for animal agriculture.

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY December 10, 2009

11A

Capitol Commerce

Opinion split on constitutional amendment Proposal hailed as spending check, criticized at being too restrictive

by T.W. Budig ECM CAPITOL REPORTER

Debate over a proposed constitutional amendment limiting state spending will be heard again.

The Senate Tax Committee heard on Monday, Dec. 7 the proposed amendment, championed by Gov. Tim Pawlenty and authored in the Senate by Sen. Amy Koch, RBuffalo, with Tax Committee Chairman Tom Bakk, DFLCook, indicating the committee wanted to learn more.

“Let’s all admit it. We have some big challenges,” said Bakk of the state budget picture.

The proposed amendment, if approved by voters, would restrict lawmakers from spending more on an upcoming biennium than the amount of the revenue brought in during the previous, two-year spending cycle.

“In the overall scheme of things, this is not draconian,” said Pawlenty at a press conference earlier this month.

Draws supporters

Called simplistic

The proposed legislation, which drew Republicans and amendment supporters to the Capitol Rotunda for a rally prior to the hearing, attracted both supporters and detractors to the tax committee.

Koch argued the amendment would bring an evenness to state budgeting without being excessively restrictive.

“That’s why I like it,” she said of the proposal, which would allow for tax increases and also emergency spending.

But Bakk, as others, argued the amendment would “reduce flexibility” and otherwise prevent reforms by tying lawmakers’ hands.

He criticized the amendment, if enacted, of possibly ushering in an era of special accounts — creative bookkeeping — as lawmakers and the governor wiggled in exploring ways of getting around the spending restriction.

Government association officials indicated their opposition.

Ramsey Council Commissioner Jim McDonough, representing the Association of Minnesota Counties, called the proposal a “simplistic response” to a complicated issue.

A League of Minnesota Cities official also expressed similar concerns.

Dane Smith, Growth and Justice president, argued that although supporters of the legislation may beckon back to a perceived “fiscal Eden” of the early 1960s, they fail to take into account the state’s population growth and other factors in analyzing the growth of state government.

Bakk, speaking on the question of income tax rates, said Minnesotans have lower rates than a decade ago.

Photo by T.W. Budig “We all know this is true,” The Senate Tax Committee heard on Monday, Dec. 7 a proposed amendment, champiBakk told the committee. oned by Gov. Tim Pawlenty and authored in the Senate by Sen. Amy Koch (above), RJoshua Culling, of the Buffalo, who appeared before the committee.

National Taxpayers Union, agreed that Minnesota taxes have decreased but still remain high.

Phil Krinkie, Taxpayers League of Minnesota president, argued lawmakers always struggle with containing spending — it’s much easy to spend, said the former lawmaker.

“I applaud your willingness to look at this (amendment) issue,” Krinkie told the committee.

Not an end-all “It’s not an end-all, be-all solution,” said Koch. But it’s part of the budget solution, she argued.

But City of Ramsey resident Lisha Poulakis, wearing a green American Federation of State, County and Municipal Employee shirt with her daughter at her side, told the committee of budget cuts within the Anoka-Hennepin School District that had her daughter walking longer to school and of escalating property taxes.

“Nobody ever gained everything by cutting everything,” she argued.

Wealthier Minnesotans Photo by T.W. Budig need to shoulder their fair In addition to the hearing, 6th District U.S. Rep. Michele share of the tax burden, she arBachmann, R-Stillwater, appeared at the Capitol on Dec. gued.

7 at a rally in support of legislation carried by Amy Koch.

But Bakk countered that

Photo by T.W. Budig

City of Ramsey resident Lisha Poulakis, wearing a green American Federation of State, County and Municipal Employee shirt and daughter at side, appeared before the Senate Tax Committee on Monday, Dec. 7 to testify against a proposed constitutional amendment that if passed by voters would limit state spending. looking to the wealthy to bail out the state would not work.

There’s not enough wealthy people to do it, he argued.

In addition to the hearing, 6th District U.S. Rep. Michele Bachmann, R-Stillwater, appeared at the Capitol on Dec. 7 at a rally in support of legisla-

tion carried by Koch.

“That’s bravery in the State of Minnesota,” said Bachmann of calling for a reduction in taxes.

Not everyone agreed with Bachmann’s sentiments.

The Maureen Reed campaign — a DFL 6th District

congressional challenger — accused Bachmann of supporting accounting gimmicks that fail to address underlying economic issues.

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

Minnesota Building and Construction Trades Council endorses Bakk for govenor The Minnesota State Building and Construction Trades Council, which represents 50,000 construction members across the state, has endorsed Sen. Tom Bakk for governor.

Council President Harry Melander said Bakk is hitting the nail on the head with what’s happening in the

economy and what’s on the minds of voters with his campaign message of “jobs, jobs, jobs.”

“More than any other industry in this state, construction is experiencing brutal unemployment,” Melander said. “Tom knows firsthand what our members are going through, and will fight for

jobs for them and their families.”

A carpenter for 34 years and a former union leader, Bakk said this endorsement is very personal to him. Bakk has worked with union members and their employers to build Minnesota’s homes, businesses, schools, churches, roads, and bridges all across

the state.

“My Brothers and Sisters have seen how hard I’ve worked to improve their standard of living and allow them to retire with dignity,” Bakk said. “They know I have a passion for putting people to work and understand our state needs a governor who will make job creation the top

priority.

“This is a huge endorsement from a powerhouse of an organization.”

With unemployment reaching 50 percent for the construction industry, Bakk said many have a front-row seat to what is happening to Minnesota’s deteriorating economy.

The Minnesota State Building and Construction Trades Council is the third union endorsement for Bakk; he was endorsed by the North Central States Regional Council of Carpenters and Duluth Building and Construction Trades Council earlier this year.

December 10, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

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How to set, achieve life goals Achieving big life goals and living your dreams can be easier than you might think.

Every day all across the country people are making big life changes or taking steps to achieve life goals – such as switching careers or attending college.

Others, meanwhile, paralyzed by fear or feeling trapped by their daily lives, never take that first step on a new path.

Achieving life goals starts and ends with making a roadmap and taking steps daily to achieve it, according to top self-help experts. “Being able to live your dreams does not depend on whether the economy is up or down, whether you are

Tim Tyler – author

“Every day you decide either to live your dream or take an alternate path. Choosing to live a dream is to choose a thrilling experience, one that excites you and pulls you from your bed each morning.�

married or single, or whether you are rich or poor. Living your dream depends only on the choices you make each day,� said Tim Tyler, author of the new book “A Passion For The Edge: Living Your Dreams Now.� “Every day you decide either to live your dream or take an alternate path.

Choosing to live a dream is to choose a thrilling experience, one that excites you and pulls you from your bed

each morning,� he said.

There are many ways to plan for and achieve specific life goals. Here are several suggestions from Tyler: • Don’t simply accept where you are and what you are doing now as inevitable.

Don’t relegate your dreams to the future. Begin now to change your life. • Take the time to write down your specific goal.

First, select a dream about See Dreams, Page 13

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12A

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY December 10, 2009

13A

Newspaper provides forum for education Each week, the Dakota County Tribune Business Weekly provides its Business 101 page that highlights perspectives from business educators in Dakota County.

The newspaper has enlisted a rotation of columnists from Dakota County higher education institutions in an attempt to Dreams from Page 12

which you are passionate.

Then list the key principles, actions and ideas that apply to you and your goal. It’s important to have a clear view of your objectives so you don’t waste time on tangents. • Write down your plan but don’t write it in stone.

Make a plan that pushes the limits of what you think is possible, but keep it clear, concise, flexible and easy

provide business owners, managers and workers with the views from the teachers of the next generation of innovators.

For more information about how to contribute to this page or other items to the Tribune, e-mail Tad Johnson at editor. thisweek@ecm-inc.com.

to modify while in action.

When you see an opportunity to improve your plan, make changes along the way. • Don’t make a project out of the plan. Get going.

Do not delay starting your journey by trying to deal with every possible obstacle.

Most perceived obstacles never happen, so spending energy considering them wastes time and serves to sidetrack you from your goal.

• The longer you spend planning, the more likely you will include advice from others that does not directly apply to what you wish to accomplish. • Imagine a positive outcome to motivate you to push your limits. Move into action and stay in action so you don’t bog down. The knowledge gained from each experience on your path will help you through the next challenge.

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14A

December 10, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Business 101

Businesses, consumers are drowning in green ink For eco-business models to enter the mainstream, they need to be practical and well marketed

by Ron Thomas SPECIAL TO THE TRIBUNE

Make It Happen

As our nation and the world set off into the wild green yonder, industries and businesses that market Earth-friendly goods and services need to understand the attitudes and expectations of conventional consumers.

Taking our green business plans into the black means creating organizational cultures that believe, breathe and bleed green.

Even more than that, we need to enlighten the mainstream marketplace, showing traditional shoppers that going green is not only responsible, but better and smarter than staying the course.

Popular perceptions imagine oceans of consumers jockeying impatiently to indulge in the next green thing. In their book, “Greentailing and Other Revolutions in Retail,” Neil Stern and Willard Ander report that the real picture is another color entirely.

“When asked to talk to their actual green behavior,” Stern and Ander write, “just 12 percent of the population actively consider or purchase green merchandise.”

The buying public is beleaguered by a perpetual tsunami of promotional

Ron Thomas

communications. Green is a mere wavelet in the mix and has trouble finding influential beachheads in public awareness.

Stern and Ander go on to say that: “Just 6 percent of consumers rated retailers as excellent or very good at educating consumers on green, while over half believed they are below satisfactory or poor.”

Eco-friendly products continue to struggle with an embedded image of inadequacy. Consumers tend to believe they are sacrificing performance and quality when they buy green. Couple that with the fact that a full 40 percent are unwilling to pay a penny more to purchase green products and you have a serious hitch in our green transformation.

Climate change, depleted energy resources, air and water pollution and mushrooming landfills are compelling reasons to buy Earth-friendly products, but consumers are still making decisions about retailers based on classic factors, starting with price, quality of merchandise, brand loyalty, selection and variety, customer service and shop-

ping convenience. The environmental consciousness of any given retailer ranks a distant last on the list.

Gary Hirshberg, the CEO of Stonyfield Farm, an organic yogurt company that rakes in $300 million annually, understands that sustainable practices must be profitable for a business to survive and prosper. Although early on he rejected the philosophy of megacorporations such as Kraft Foods, Hirshberg realized that he needed equal amounts of “cash and clout” to thrust green business concepts into the global limelight.

“For more than 25 years, I’ve been turning green ideas into greenbacks,” writes Hirshberg in his book, “Stirring It Up: How to Make Money and Save the World,” “and if that seems far-fetched, I’m here to tell you that nature and business are born allies — potentially the richest partnership in the history of capitalism.”

Hirshberg didn’t rely on the simple goodness of sustainability to sell his yogurt.

He knew he had to compete with household names that already dominated supermarket shelves. To outstrip his competitors, he had to develop a brand that was not only recognizable, but inspired confidence as something both delicious and healthful.

In Brief

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

Through grassroots marketing and public service projects, Hirshberg built a bond with his company’s customers that has produced the world’s best-selling organic yogurt.

“We support causes that people care about,” he writes. “We invest in educational initiatives that will help them improve and sustain their communities and our planet.”

The important lesson learned from the Stonyfield model is that green entrepreneurs don’t need to rediscover fire to succeed.

They just need to believe in their product and convince the customer to believe, too.

That requires hard work, of course, and a sound marketing strategy. As grand as green is, we are not at the stage where green can sell itself.

Marketing consultants Jacquelyn Ottman and Abigail Cohen spotted a green lining in the rolling thunderheads of the current economic crisis, listing five examples in their article, “Green Marketing ‘Broke Through’ in 2008 — So What’s Next?”

1.

Green advertis-

ing claims a foothold, but marketing pros still need to watch out for perceived “greenwashing” in the public eye; awards like the Green Effies add credibility to green ad campaigns.

2. Federal Trade Commission updates the agency’s Green Guides, offering a useful roadmap for greenhorn green marketers.

3. Bottled water controversy spotlights the need to analyze the ecological impact of even the most wholesome products.

4. Detroit automaker collapse spawns a furious competition to mass-produce electric cars like the Chevy Volt.

5. Obama administration is committed to strengthening clean energy, creating the potential for 5 million green-collar jobs while enacting rigorous green rules for businesses; White H o u s e policies will encourage sustainability to burst

from the margins to direct mainstream business strategies.

If we wish the entrepreneurial spirit to shine in green, ecological responsibility must harness the best marketing and business practices higher education has to offer. From a purely business standpoint, green is keen, but black is the only color that counts.

For more information about green best practices for small business as well as the DCTC Green Campus Commitment, which includes achieving campus climate neutrality by the year 2020, please visit www. dctc.edu.

Ron Thomas, Ph.D., is president of Dakota County Technical College in Rosemount.

Get what you want by improving negotiation skills

by Antar Salim SPECIAL TO THE TRIBUNE

Why do some individuals get what they want more than others?

The answer to this question is their ability to negotiate.

Effective negotiators are more likely to get what they want and are more successful at work.

If you want to be a more productive employee, manager, or leader within your organization, it is imperative that you improve your negotiation skills.

Let’s start with the definition and purpose of a negotiation.

When two or more individuals engage in an effective negotiation, the rationale is to ameliorate one’s condition. Thus, I negotiate to be better off than before.

For example, an employee negotiates with his or her boss for a raise. The

Guest Columnist Antar Salim

employee wants more money to provide for his or her family. The manager wants more productivity and creativity from the employee.

If the subordinate can convince the manager that a raise will increase his or her motivation at work and will lead to more output, the employee is more likely to get what he or she wants.

In this situation, both individuals are happy. Thus, a negotiation is an encounter between two or more individuals with the hopes of improving their current state.

There are two forms of negotiations: distributive and integrative.

Distributive negotiations are ones in which both par-

ties seek to get as much as they can from the interaction with total disregard for the other parties’ needs or interests.

The classical example is a buyer and seller at a used car lot. The buyer wants to buy the car at the lowest price possible. The seller wants to sell the car at the highest price possible.

This creates a condition in which both parties are willing to manipulate the situation and or withhold information with the sole purpose of getting what they want.

At the other end of the spectrum is an integrative negotiation.

This approach requires that both parties are concerned with the need and interest of the other. They are looking for ways to increase the size of the pie,

not just getting the largest slice. They aim to ensure both parties get what they want or are better off as a result of this interaction.

Negotiations that follow an integrative style allow for more information sharing, more trust, and more willingness to invest time and energy in helping the other party understand various perspectives.

An example of an integrative negotiation involves two chefs who both desire an orange. One chef wants the inside to make juice and the other wants the shell to bake a pie.

Let’s look at methods and strategies to improve negotiation skills. There are many tools one can use to help enhance negotiation ability, but I will focus on four.

First, always think long term. Whenever possible, consider a negotiation as an ongoing process; you may

not get exactly want you want today but you expect to gain something in the future. You often hear in business, “I will take care of this situation for you, but I expect you to help me in the future.”

Second, stay focused on what you want. Many times in a negotiation, we become preoccupied with winning or proving that we are right and the other person is wrong.

Rarely, if ever, is this the purpose of a negotiation.

We should be focused on getting the raise or purchasing the car at a fair price.

Next, know the why behind what you want. For example, I may want a raise to return to school to better my skills. What if my employer was willing to help me with tuition reimbursement? In this case, a raise is not the only way to meet my needs. By focusing on the why, you allow for other

ways to accomplish your goal.

Finally, help the other party get what they want.

We often forget that in order for us to get what we want, the other person involved should be happy and content as well. In doing so, we are more apt at thinking creatively.

In the case of the two chefs, if one chef is concerned about the needs of the other, there is a higher probability that they will arrive at the solution of peeling the orange.

The alternative would be to cut the orange in half and each chef get a portion, which would not totally satisfy the needs of both.

Antar Salim is business program coordinator at Rasmussen College in Eagan. He can be reached at Antar.Salim@ rasmussen.edu.

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY December 10, 2009

Deadline for citizen advisory committees extended to Dec. 18 The Dakota County Board of Commissioners invites residents to join a citizen advisory committee and make a difference in local government.

The deadline to apply for opening has been extended until Friday, Dec. 18. Openings are available for the following boards and committees.

The Dakota-Scott Workforce Investment Board oversees the activities of the Dakota and Scott County WorkForce Centers in Burnsville, Shakopee and West St. Paul. In partnership with the Dakota County Board, the Workforce Investment Board determines methods and delivery systems to assure the best possible mix of programs and services for eligible Dakota and Scott County residents. The board meets monthly on the third Friday of each month in West St. Paul.

The Community Corrections Advisory Board discusses and makes formal recommendations to the County Board regarding community corrections issues. It meets five times per year in West St. Paul.

The Extension Committee, in partnership with the University of Minnesota, assists in approving programs, establishing the budget, and evaluating staff to enhance Extension programs, such as parent and nutrition education and youth leadership. The committee meets bi-monthly in Farmington.

The Farmland and Natural Areas Program Advisory Committee makes recommendations to county commissioners regarding farmland and natural areas projects. The committee meets six times per year in Apple Valley.

The Human Services Advisory Committee studies and discusses topics relating to the human service areas that Minnesota counties are responsible for including social services, public health, and income maintenance. The Committee meets monthly in West St. Paul.

The Library Board participates in planning library facilities and services, sets operating policies for the Library System and prepares the annual budget. The board meets monthly

at various library locations.

The Personnel Board of Appeals provides the County Board with impartial analysis concerning appeals filed by employees or job applicants.

Board members must have 10 or more years of managerial experience or comparable qualifications. Board members may not have a contractual, commercial or professional relationship with Dakota County.

The board meets for full-day or half-day hearings as needed in Hastings.

The Public Art Citizen Advisory Committee recommends art projects for county buildings to the County Board.

The committee meets monthly in Apple Valley.

The Special Board of Appeal and Equalization hears appeals from property owners regarding property valuation or classification of properties.

One member must be a real estate appraiser, or be familiar with county property valuation. The board meets in Apple Valley annually in June.

The Vermillion Watershed Planning Commission advises the Vermillion River Joint Powers Board regarding implementation of the watershed management plan, annual work plan and budget, and recommends actions regarding disputes. Members of this committee are appointed by the Vermillion River Joint Powers Board. The commission meets monthly in Apple Valley or Farmington.

See the Dakota County Web site at www.dakotacounty.us/CountyGovernment/ CAC for detailed information about committees, commissioner district information, specific openings and qualifications.

Incumbents may be eligible for reappointment. Citizen advisory committee applications are retained for one year. Prior applicants need not submit a new application, but should contact the County Administration Department if interested in a specific appointment.

Dakota County residents interested in serving on a committee can call County Administration at (651) 438-4418 for an application.

15A

Business Briefs Xcel Energy installs swan flight James Barton Design-Build diverters in Burnsville earns spots on remodeling lists Xcel Energy is installing swan flight diverters in Burnsville to avoid bird collisions with transmission lines.

Work in the Burnsville area is scheduled for the week of Dec. 7. The work will be performed during daylight hours, Monday through Sunday, by a subcontractor working on behalf of Xcel Energy.

The swan flight diverters are yellow plastic spirals, fastened onto the shield wires (highest wires), which increases the transmission lines’ visibility to reduce bird collisions. A helicopter is used to install the flight diverters.

Xcel Energy’s Avian Protection Plans for NSP-Minnesota and NSP-Wisconsin identified the locations for marking.

The plans were prepared by outside consultants, and submitted to the U.S. Fish and Wildlife Service for its review and comment.

Consultants evaluated the transmission lines with respect to wetland areas, migration patterns and known nesting areas, among other criteria, and created line marking recommendations, mapped the locations, and prioritized the locations.

Xcel Energy plans to install nearly 3,400 swan flight diverters this year in Minnesota and Wisconsin on nine different transmission lines.

The company will be installing additional swan flight diverters at various locations in Minnesota and Wisconsin during the next four to five years.

James Barton DesignBuild Inc., a remodeling company in Apple Valley, received its second Top 500 Award by Qualified Remodeling Magazine.

The company also was recognized in the Remodeling Magazine Top 550 category.

Each year Qualified Remodeling recognizes the Top 500 Remodelers in the nation for significant and sustained success in terms of years in business, volume, awards and community service and industry certification.

The Top 500 is the longest ongoing recognition program in the remodeling industry.

The Remodeling 550 by Remodeling Magazine is a list of the largest remodeling and home improvement

A new electronics store just opened in Burnsville.

The store, On, Again!

LLC, specializes in like new electronics products from name brand manufacturers.

The store is located east of Burnsville Center, across from TGIFridays.

The local owners are Dave Telschow and Tom Blesener who say they are excited to bring returned/refurbished TVs, laptops, cameras, game systems, and MP3s to the south metro.

There is also an opportunity for customers to consign certain products and have it displayed and sold in the store.

“Many people are uneasy about having strangers come to their homes to purchase old electronics,” Telschow said. “Our store will give them another option to sell their products.”

They say the store is the only retail store specializing in returned/refurbished electronics in the area.

Blesener and Telschow saw an opportunity to offer products at lower prices than new. The concept is the same as those for used cars, used sporting goods, and used fitness equipment stores.

The company offers a 30day warranty for products.

“We are building a new business and how we take care of our customers will define our success or failure” Blesener said.

The store currently has Samsung TVs ranging in size from 19 to 63 inches and prices from $239.99 to $2,229.99.

There are Guitar Hero and Rock band sets available for PS3, Xbox, and Wii. The store has digital cameras starting at $39.99. There are many unique items available and the inventory will continue to change.

For additional information, contact Dave Telschow or Tom Blesener at onagain@ frontier.com or call (952)898-6264.

Building permit activity in the region remained on pace with the past several months, continuing to suggest that the market has stabilized.

Residential permits issued last month climbed 28 percent over November 2008 while permitted units were 37 percent higher.

According to statistics compiled by the Keystone Report for the Builders Association of the Twin Cities (BATC), there were 263 permits for a total of 574 units permitted during the month of November 2009, and a total of 3,982 units have been permitted yearto-date in 2009.

November marked the highest number of units permitted for any month in the past year, while total permits were third highest this year (20 percent behind October 2009 and one permit less than August, 2009).

“What this means for Twin Cities families is that

now is the time to make a move,” said Builders Association of the Twin Cities President Mike Swanson.

“Sales are up, inventory is shrinking, and home prices are on the rise — the Minneapolis market has been a leading the nation in price increases according to the Case Shiller Index. It definitely a good time to buy.

“Add in the recent extension and expansion of the Federal tax stimulus credits of up to $8,000 for firsttime homebuyers and up to $6,500 for existing home owners, and there are plenty of reasons to seriously consider that home purchase,” Swanson said.

Minneapolis led the metro in building activity for the month with 218 units (one was a 175 unit building) permitted.

Lakeville followed with 45 units, Blaine was next with 41, followed by Savage with 29 and Maple Grove with 28.

Blazer Volleyball Club, 4559 Horizon Circle, Eagan.

Word Garden Design, 4513 Oak Pond Road, Eagan.

Presence of His Glory Ministries, 7300 W. 147th St., Apple Valley.

Mini Apple Insurance Agency, 7630 145th St., Apple Valley.

Convergent, 7493 147th St. W. #210, Apple Valley.

Atlantic Spirit Getaways, 14260 Glencove Path, Apple Valley.

Swedesign Int’l USA, 14764 Lower Endicott Way, Apple Valley.

Mathnasium Twin Cities South, 8976 Hunters Way, Apple Valley.

Addiction Medicine Services of Minnesota, 8694 134th St. W., Apple Valley.

CK Mobile, 944 Duchess Lane, Apple Valley.

Confidential Inquiries/Professional Claims Management, 14314 Heywood Ave., Apple Valley.

TLC Home Inspections, 12600 Dover Drive, Apple Valley.

KP Floral Designs, 14531 Florissant Path, Apple Valley.

Funds4Books.com, 3505 County Road 42 W., Burnsville.

Principal Reduction Corporation, 17595 Kenwood Trail, Lakeville.

Everest Material Handling, 2999 W. County Road 42 #156, Burnsville.

Kildow Law Offices, 15204 Wildwood Road, Burnsville.

United Credit Consultants, 12974 Nicollet Ave. S. #101,

Burnsville.

Mariahs Beauty Marks, 1544 Circle Lane, Burnsville.

Eric Steeg Construction, 10812 27th Ave. S., Burnsville.

K and R Businesses, 1301 Cliff Road E., Burnsville.

A+ Coin Wash, 1301 Cliff Road E., Burnsville.

A Plus Coin Wash, 1301 Cliff Road E., Burnsville.

Pinhead Games, 12651 Dupont Ave. S., Burnsville.

Delta Taxi, 12825 Briar Court, Burnsville.

Security Xchange Enterprise, 14551 County Road 11 #145, Burnsville.

Twin City Stairlifts, 1528 Cliff Road E., Burnsville.

Fearless, 12645 Tiffany Court, Burnsville.

Corporate Select Transpor-

tation, 12283 Nicollet Ave. S., Burnsville.

Touch of Home Furnishings, 1998 Highway 13 E., Burnsville.

Jorgenson Lock and Safe, 7215 128th St., Savage.

Tone 2 Day, 14117 Ottawa Ave., Savage.

Mad Money Management and Consulting, 7641 Ponds Edge Path, Savage.

Ashley Yantes Photography & Design, 14977 Mustang Path, Savage.

Charleston Enterprises, 5281 132nd Court, Savage.

Food Safety Solutions, 5399 S. Park Drive, Savage.

Etymon, 13925 Utah Ave., Savage.

Faith in Focus Photography, 4552 W. 131st St., Savage.

companies in the nation based on residential remodeling revenue. James Barton was ranked 79 on the list of 550 companies across the country and No. 1 in Minnesota based on companies participating.

“It’s been an extremely difficult year due to the economy issues we have all faced,” James Madsen, owner of the company, said. “Having received these awards during such a difficult year has been especially rewarding. It’s been a team effort and being recognized is a real testimony to the strength of our company and the dedication of the JBDB employees.”

If you would like additional information on James Barton Design Build, visit the Web site www.jbdb.biz.

Twin Cities residential construction permits continue New brand name electronics outlet store opens in Burnsville to remain stable

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

Netrix IT, 1285 Corporate Center Drive, Eagan.

Mobile Computing Services, 990 Lone Oak Road #102, Eagan.

Bear Creative, 3673 Ashbury Road, Eagan.

Wagging Tails Pet Resort, 3275 Sun Drive, Eagan.

Air Hoody Enterprises, 1467 Richards Court, Eagan.

PDN Computer Solutions, 4534 Cinnamon Ridge Trail, Eagan.

Beyond Music Group, 3850 Ballantrae Road #1, Eagan.

Specialty Lawn, Snow & Tree, 2113 Emerald Lane, Eagan.

3 Monkey’s Pub and Grub, 3869 Gold Point, Eagan.

GCS Title, 1915 Plaza Drive #201, Eagan.

Global Title, 1915 Plaza Drive #210, Eagan.

Abbott Properties, 1733 Bluebill Drive, Eagan.

The Ruff Life - Design, 1977 Jan Echo Trail, Eagan.

Denmark Family Dental, 3436 Denmark Ave., Eagan.

Home Decor And More, 890 Wescott Trail #103, Eagan.

Adminasport, 3795 Briarwood Lane, Eagan.

Veteran Home Inspections, 759 Cougar Drive, Eagan.

16A

December 10, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Business Briefs Online company uses Better Business Bureau name, logo

Business editor, new edition editor to start in 2010

Eagan-based Cool Clean Technologies Inc. earns grant

An online retailer falsely claiming an affiliation with the Better Business Bureau has been given an F rating by the BBB of Northern Colorado and East Central Wyoming.

The company, which calls itself BBB Certified Gifts, was given the F rating for using the BBB torch logo and name in an unauthorized manner.

BBB Certified Gifts is not an Accredited Business, nor have they or the products they offer been certified by the Better Business Bureau, according to a BBB press release. “This serves as a valuable reminder of the importance of checking a company’s record when shopping online,� said Dana Badgerow, president and CEO of the BBB of Minnesota and North Dakota. “At first glance, it would seem this organization and its products have been endorsed by the Better Business Bureau. But by checking the company’s rating at www.bbb.org, customers will quickly learn this company is not connected in any way to the Better Business Bureau.�

The company, which operates out of Cheyenne, Wyo., came to the BBB’s attention Nov. 25. It claims to offer grocery gift cards and gift cards to national companies at steeply

discounted rates. One of their advertised offers claimed customers could purchase a $1,000 Wal-Mart gift card for $79.95.

In addition to claims which seem too good to be true, there are other red flags that consumers should be aware of: • The site claims that all gifts come with a 100-percent guarantee. A closer inspection of the site reveals that the guarantee seal was actually taken from Marshall, Minn.-based Schwan’s, an online grocery and delivery company. • The Web site lists its address as 2710 Thomes Ave. in Cheyenne. According to the BBB, that address is a virtual office space from which many scams originate.

Additional red flags concerning the site include the fact that it was registered only a month ago, it makes general claims about supporting multiple charities, and consumers have limited time to purchase gift cards.

As of 8 a.m. Dec. 1, the company’s Web site www. bbbcertifiedgifts.com was down.

The BBB asks consumers to be on the alert for companies with names similar to, or are derivatives of, BBB Certified Gifts.

In an effort to strengthen business and news coverage while maintaining a commitment to multimedia and the its Web site, Thisweek Newspapers and the Dakota County Tribune Business Jeff Achen Weekly will make two staff- Jessica Harper ing changes.

Jessica Harper, current Apple Valley/Rosemount editor, will become the Tribune’s first full-time business editor, and Jeff Achen, current online editor, will be the new Apple Valley-Rosemount editor as of Jan. 1, 2010.

Larry Werner, general manager and editor of Thisweek and the Tribune, said the addition of a full-time business editor will allow the Tribune to improve upon its strong coverage that started last spring.

He said the business weekly has been well received in the south metro community. Harper will help ensure its pages are filled with meaningful, interesting business coverage each week. Harper interned at the Minneapolis/St. Paul Business Journal and will be writing stories and working with Tad Johnson, managing editor, in the production of the Tribune.

Werner said the organization remains firmly committed to online journalism. The editors and reporters of Thisweek will provide multimedia coverage of their respective communities, including video, audio and social media coverage. The intention is to see no change in the level of online offerings once the changes in the newsroom take effect.

Achen will leave his role as online editor to cover the news of Rosemount and Apple Valley, where he lives. Achen served as Apple Valley editor before taking the title of online editor in 2008. “Jeff has done a tremendous job of making our operation a leader in multi-media journalism, and he will continue to be involved in producing content for our Web site, including video. Jeff will also continue to produce our weekly television/ Web show ‘Thisweeklive the Show,’ � Werner said.

Dawn Igoe, the organization’s Web designer, will take over many of the technical aspects of Web site maintenance.

U.S. Rep. John Kline announced a National Science Foundation grant award to Cool Clean Technologies, Inc., of Eagan.

The $148,000 grant, awarded through the Small Business Innovation Research program, will be used toward creating an environmentally friendly coolant system for composite carbon fiber reinforced plastic drilling. “CFRP materials have significant benefits to aerospace, automotive, and other industries,� said Jon Wikstrom, president and CEO of Cool Clean Technologies. “Our technology can dramatically increase drilling speeds and extend tool life without the use of petroleum based lubricants or any harmful environmental effects.

Working together with Boeing as our grant partner, we will demonstrate the advantages of this technology for advanced aircraft applications as well as laying the foundation for other markets outside of aerospace.�

The SBIR program stimulates technological innovation in the private sector by strengthening the role of small businesses in meeting federal research and development needs, increasing the commercial application of

federally supported research results, and fostering and encouraging participation by socially and economically disadvantaged and womenowned small businesses.

Wikstrom attended Kline’s federal grants expo in April. “Congressman Kline’s grant expo laid out the process, steps, and tools to find the right grant opportunities and application efforts to make this a simpler and cost effective process,� said Wikstrom.

Kline’s annual federal grants expo creates awareness, increases participation in the federal grant process, and provides information on how to apply for federal grants.

The free all-day workshops include presentations, counseling, and computer assistance with http://grants. gov, as well as information on federal stimulus funding that is targeted for Minnesota.

Kline’s web site – http:// kline.house.gov – will carry details about his 2010 grants expo next spring.

In his fourth term in Congress, Kline is the senior Republican on the House Education and Labor Committee.

He is also a member of the House Armed Services Committee.

to 1:30 p.m., New Member Orientation, DCR Chamber of Commerce, 1121 Town Centre Drive, Suite 102, Eagan. Free.

RSVP required. Information: Michelle Tighe, (651) 288-9203 or mtighe@dcrchamber.com. • Wednesday, Dec. 16, 6 to 9 p.m., National Association of Women Business Owners - MN Chapter Holiday Gala at Burnsville Performing Arts Center, 12600 Nicollet Ave., Burnsville.

Admission: $35. Information: http://www.nawbo-mn.org, (651) 290-6292 or jacquiej@ewald. com. • Thursday, Dec. 17, 7:30 to 9 a.m., Keep Up to Speed on Cedar Avenue Transitway. Room L139, First Floor, Western Service Center, 14955 Galaxie Ave., Apple Valley. Information: Sam O’Connell, Dakota County transit specialist, (952) 891-7105. • Thursday, Dec. 17, 11:30 a.m. to 1 p.m., Eagan Holiday Luncheon at Ansari’s Mediterranean Grill & Lounge, 1960 Rahncliff Court, Eagan. Fee: $22.

Information: Amanda Franklin at afranklin@dcrchamber.com. • Thursday, Dec. 17, 6 p.m., Edward Jones-sponsored investment club for women with invest-

ment advisor Stacey Brown, 3420 150th St. W., Suite 103, Rosemount. Free. Information/RSVP: Jonay or Kate at (651) 455-0319.

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

Burnsville Chamber of Commerce events: • Thursday, Dec. 10, 11 a.m. to 2 p.m. M Design Interactive grand opening, 10800 Lyndale Ave., Suite 100, Bloomington.

Ribbon cutting at 11:30 a.m. Free. • Wednesday, Dec. 23, 4 to 5 p.m., Chamber Ambassadors meeting at Dakota County Steakhouse, Holiday Inn - Burnsville, 14201 Nicollet Ave. S. Information: Travis Martinson at travis@ burnsvillechamber.com.

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

at Highview Hills by Walker. • Tuesday, Dec. 15, 11 a.m., Chamber Board Executive Committee, Chamber Board Room. • Tuesday, Dec. 15, noon, Chamber Board meeting, Chamber Board Room. • Wednesday, Dec. 16, 11:30 a.m., General Membership Luncheon at Porterhouse Steak & Seafood Restaurant, 11211 205th St. Cost: $20. There will be a special performance by the Lakeville North High School Now & Then Singers. • Friday, Dec. 18, 7:30 to 8:30 a.m., Business Education Committee, Lakeville North High School.

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

Restaurant in Apple Valley. For more information call at (651) 216-5406.

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

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

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

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

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

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

Bring your own lunch. For more information, call Nicole Blasing at (651) 331-9238 or visit www.bnimn.com BNI-Networking will meet Wednesdays at 8:15 a.m. at Byerly’s Cafe in Eagan. Open to all professionals for referrals. For more information, call (651) 2473200.

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

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

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

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

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

register.

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

For information, call (952) 7465611 or visit www.thegrapevinenetwork.com.

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

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

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

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

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

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

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

Date-specific Dakota County Regional Chamber of Commerce events: • Thursday, Dec. 10, 4 to 8 p.m., First Annual Ladies Night Out Mendota Heights. Starts at Curves, 790 S. Plaza Drive, Suite 300, Mendota Heights. • Thursday, Dec. 10, 6 to 8 p.m., Deskercise Workshop! Get Fit While You Sit! with Dr. ZirpelProctor from Back to Wellness Chiropractic, second floor Citizens Bank, 18476 Kenrick Ave., Lakeville. Free. Information: Dr. Zirpel-Proctor at (952) 639-3736. • Friday, Dec. 11, noon to 1 p.m., Nonprofits Communications Network Lunch, Minnesota Council for Nonprofits Conference Room, 2314 University Ave., Suite 20, St Paul. Free. • Tuesday, Dec. 15, 7:30 to 8:30 a.m., Board of Directors meeting, DCR Chamber of Commerce, 1121 Town Centre Drive, Suite 102, Eagan. Information: Ruthe Batulis, rbatulis@ dcrchamber.com. • Tuesday, Dec. 15, noon

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DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY December 10, 2009

17A

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

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

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

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

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

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

Downtown Lakeville Business Association

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

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

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

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

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

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

City Governments

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

Business Directory

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PUBLIC NOTICE PUBLIC NOTICE MINNESOTA PUBLIC NOTICE MINNESOTA PUBLIC NOTICE MINNESOTA PUBLIC NOTICE MINNESOTA PUBLIC NOTICE SECRETARY OF STATE SECRETARY OF STATE SECRETARY OF STATE SECRETARY OF STATE NOTICE OF SALE AND

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: Propelware 2. State the address of the principal place of business: 20615 Islandview Circle, Lakeville, MN 55044 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address.

Dwyer Technology, Inc., 20615 Islandview Circle, Lakeville, MN 55044 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath.

Date 9/16/2009 Joseph M Dwyer, President 2007039 12/10-12/17/09

PUBLIC NOTICE

SUMMONS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT Court File No. 19HA-CV-09-6711 Case Type: Contract Americana Community Bank, Plaintiff, vs.

Barts Homes LLC and V. Barton Porter a/k/a Barton Porter a/k/a Bart Porter a/k/a Vernon Porter, Defendants.

THE STATE OF MINNESOTA TO THE ABOVE-NAMED DEFENDANTS: YOU ARE HEREBY SUMMONED and required to serve upon Plaintiff's attorney an answer to the Complaint which is herewith served upon you within 20 days after service of this Summons, exclusive of the day of service. If you fail to do so, judgment by default will be taken against you for the relief demanded in the Complaint.

ALTERNATIVE DISPUTE RESOLUTION PROCESSES Civil cases are subject to Alternative Dispute Resolution (ADR) processes as described in Rule 114 of the Minnesota Rules of General Practice for the District Courts. The District Court Administrator can provide you with information about ADR services available in the County, and a list of neutrals who provide ADR services within the County. NEITHER THE PROVISIONS OF RULE 114 OR THIS NOTICE EXTENDS OR OTHERWISE CHANGES THE DATE BY WHICH YOUR ANSWER TO THE COMPLAINT IS DUE. MELCHERT HUBERT SJODIN, PLLP By: Amanda A. Bloomgren (#0386567) Attorney for Plaintiff 121 West Main Street, Suite 200 Waconia, MN 55387-1023 Phone: (952) 442-7700 Fax: (952) 442-6166 aabloomgren@mhslaw.com 2004071 12/10-12/24/09

PUBLIC NOTICE

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

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

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

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

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

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

DISPOSAL OF PROPERTY Niemeyer Mini Storage 10405 E 260th, Phone 952-461-2525 Property will be sold at public auction held on Dec 15th 2009 from 9am to 6pm The name of the person is Scott Mondus of Lakeville, MN Unit Number 12 Viewing of items begins Monday Dec 7th NIEMEYER TRAILER SALES 10405 E 260TH ST ELKO, MN 55020 2004661 12/10/2009

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

Triple J Enterprises, Inc., 2550 Wabash Avenue, St. Paul, MN 55114 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath.

Date 11/5/09 Timothy R. Duncan Corporate Counsel 1993719 12/3-12/10/09

PUBLIC NOTICE

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

1. State the exact assumed name under which the business is or will be conducted: The Hair Hut of Farmington 2. State the address of the principal place of business: 317 Fourth Street, 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.

Pam Hutmacher, 4469 West Dell Road, Farmington, MN 55024 Jackqueline Contreras, 417 Willow Street, Farmington, MN 55024 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath.

Date 11/19/2009 Jackqueline Contreras Owner/Partner 1998860 12/10-12/17/09

PUBLIC NOTICE NOTICE OF SALE

OF PERSONAL PROPERTY TO SATISFY LIEN THEREON NOTICE IS HEREBY GIVEN that the personal property described as follows: 1990 Cham Manufactured home, VIN# 0501664936AB currently located at 12457 Genesee Way, Apple Valley, Minnesota 55124, together with all miscellaneous personal property located therein will be sold at public auction by the Dakota County Sheriff on the 18th day of December, 2009 at 1:00 P.M., at Cedar Knolls Community Office, 12571 Garland Avenue, in the city of Apple Valley, County of Dakota, State of Minnesota, to pay and satisfy a lien which is claimed to be due thereon of Rita Marie Franta (03/14/1938) Carol Jean Konakowitz (03/27/1965) and Green Tree Financial, as the owner(s) thereof to: Hometown Homes in the sum of Four-Thousand, Seven-Hundred, Sixty-Nine Dollars and 72/100 ($4,769.72) computed to the day of said sale, exclusive of the expenses of said sale and of the advertising thereof, together with the necessary expenses of advertising and making said sale; and that the grounds of said lien are storage of and care for tenant's personal property remaining on landlord's premises following abandonment by tenant.

Dated: November 17, 2009 Carol Williams, Agent Hometown Homes 1992015 11/26-12/10/09

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: Bloodline Clothing 2. State the address of the principal place of business: 18047 Exeter Court, 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.

Richard Bryon Berger, 18047 Exeter Court, Farmington, MN 55024 Ron James Dittrich, W5226 Perkins Street, Medford, WI 54451 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath.

Date 11-09-2009 Richard Berger - Owner 2005463 12/10-12/17/09

PUBLIC NOTICE NOTICE OF SALE

OF PERSONAL PROPERTY TO SATISFY LIEN THEREON NOTICE IS HEREBY GIVEN that the personal property described as follows: 1982 Mars Manufactured home, VIN# 45669 currently located at 2915 138th St. West, Rosemount, Minnesota 55068, together with all miscellaneous personal property located therein will be sold at public auction by the Dakota County Sheriff on the 18th day of December, 2009 at 1:00 P.M., at Rosemount Woods Community Office, 13925 Bunratty Avenue, in the city of Rosemount, County of Dakota, State of Minnesota, to pay and satisfy a lien which is claimed to be due thereon from Kimberly Ann Oldfield (a/k/a Kimberly Ann Gielda) (04/04/1964), Mark Andrew Oldfield (01/27/1962) and Green Tree Acceptance, Inc. as the owner(s) thereof to: Hometown Homes in the sum of Four-Thousand, Sixty-Two Dollars and 70/100 ($4,062.70) computed to the day of said sale, exclusive of the expenses of said sale and of the advertising thereof, together with the necessary expenses of advertising and making said sale; and that the grounds of said lien are storage of and care for tenant's personal property remaining on landlord's premises following abandonment by tenant.

Dated: November 17, 2009 Carol Williams, Agent Hometown Homes 1992006 11/26-12/10/09

PUBLIC NOTICE NOTICE AND ORDER FOR

HEARING ON PETITION FOR ALLOWANCE OF TRUSTEE’S ACCOUNT FOR THE PERIOD FROM FEBRUARY 25, 2008 TO OCTOBER 17, 2009 AND FOR OTHER RELIEF STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT Court File No. 19HACV-09-7292 In the Matter of the LORRAINE M. PELTIER TRUST UNDER FIRST AMENDMENT AND COMPLETE RESTATEMENT DATED DECEMBER 9 2003 TO LORRAINE M. PELTIER DECLARATION OF TRUST Upon the Petition for Allowance of Trustee’s Account for the Period from February 25, 2008 to October 17, 2009 and for Other Relief, the Court hereby orders that a hearing on said Petition will be held at the Dakota County Judicial Center, 1560 Highway 55, Hastings, Minnesota, on the 7th day of January, 2010, at 9 o’clock A.M. The Court further orders that a copy of the Notice and Order for Hearing together with a copy of the petition and the Trustee’s Account Dated October 17, 2009 be mailed to each party in interest now in being at such party’s last known address at least fifteen (15) days before the date of said hearing.

The Court further orders that a copy of the Notice and Order for Hearing be published one time, at least twenty (20) days before the date of such hearing in the Dakota County Tribune, a legal newspaper printed and published in Dakota County, Minnesota.

Dated: 12-4-09

BY THE COURT: MARTHA SIMONETT Judge of District Court (COURT SEAL) Gene C. Olson (#81929) Counsel for Petitioner OLSON & BRECKNER, P.A. 150 South Fifth Street, Suite 3275 Minneapolis, MN 55402 (612) 455-1001 200753 12/10/09

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

1. State the exact assumed name under which the business is or will be conducted: UR Body Today 2. State the address of the principal place of business: 2622 West 133rd Street, Rosemount, MN 55068 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address.

Della Mia Vita, LLC, 4470 Erin Drive, Suite 101, Eagan, MN 55122 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath.

Date October 27, 2009 Della K. Simpson Chief Managing Agent 2003579 12/10-12/17/09

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

1. State the exact assumed name under which the business is or will be conducted: The Little Steer Restaurant 2. State the address of the principal place of business: 11650 Courthouse Blvd., Inver Grove Heights, MN 55075 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.

Olson’s Truck Stop, Inc., 11650 Courthouse Blvd., Inver Grove Heights, MN 55075 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath.

Date 11/30/09 David Olson, President 2005096 12/10-12/17/09

PUBLIC NOTICE PUBLIC NOTICE PEDIATRIC AND ADOLESCENT

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

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

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

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

Dated: November 4, 2009.

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

CARE OF MINNESOTA, P.A. a Minnesota corporation NOTICE TO CREDITORS AND CLAIMANTS THIS IS NOTICE TO ALL CREDITORS AND CLAIMANTS OF PEDIATRIC AND ADOLESCENT CARE OF MINNESOTA, P.A., PURSUANT TO MINNESOTA STATUTES §302A.727: (a) Pediatric and Adolescent Care of Minnesota, P.A., a Minnesota corporation (the “Corporation”), is in the process of dissolving. (b) The Corporation has filed with the Minnesota Secretary of State a Notice of Intent to Dissolve. (c) The Notice of Intent to Dissolve was filed on December 8, 2009. (d) Any and all written claims against the corporation must be presented - in writing - to Pediatric and Adolescent Care of Minnesota, P.A., 1547 Livingston Avenue, West St. Paul, MN 55118.

All claims must be received by no later than March 10, 2010.

Note that a creditor or claimant who fails to file a claim on or before March 10, 2010, is barred from suing on that claim or otherwise realizing upon or enforcing it, except as provided in Minnesota Statutes §302A.781.

PEDIATRIC AND ADOLESCENT CARE OF MINNESOTA, P.A. By: James A. Hocks Title: President 2007171 12/10-12/31/09

NOTICE PUBLIC NOTICE PUBLIC NOTICE OF AND ORDER NOTICE AND ORDER OF HEARING

ON PETITION FOR PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE OF CREDITOR STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIREST JUDICIAL DISTRICT PROBATE DIVISION Court File No. 19HA-PR-09-753 Estate of: Mary M. Kugler, Decedent.

It is Ordered and Notice is given that o n Jan. 11, 2010 at 9:00 a.m., a hearing will be held in t his Court at Dakota County Courthouse, Hastings, Minnesota, for the formal probate of an instrument purporting to be the will of the Decedent dated October 18, 2000 and a separate writing under Minn. Stat. 524.2-513 dated June 20, 2008, for the appointment of Mary Margaret Braden, whose address is 710 Legacy Court, Faribault Minnesota 55021 as personal representative of the Estate of the Decedent in an UNSUPERVISED administration. Any objections to the Petition must be filed with the Court prior to or at the hearing. If proper and if no objections are filed, the personal representative will be appointed with full power to administer the Estate including the power to collect all assets, to pay all legal debts, claims, taxes and expenses, to sell real and personal property, and to do all necessary acts for the Estate.

Notice is also given that (subject to Minn. Stat. 524.3-801) all creditors having claims against the Estate are required to present the claims to the personal representative or to the Court Administrator within four months after the date of this Notice or the claims will be barred.

Dated: 12-8-09 EDWARD LYNCH Judge of District Court Attorney for Personal Representative J. Scott Braden J. Scott Braden, P.A. 415 Second Avenue NW Faribault, MN 55021 Phone: (507) 332-7483 Fax: (507) 332-7483 Attorney License No. #133851 2007212 12/10-12/17/09

FOR HEARING ON PETITION FOR FORMAL PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT Court File No.: 19HA-PR-09-738 In Re: Estate of Barbara J. Smith, also known as Barb Smith, Decedent.

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

Any objections to the petition must be raised at the hearing or filed with the Court prior to the hearing. If the petition is proper and no objections are filed or raised, the personal representative will be appointed with the full power to administer the decedent’s estate, including the power to collect all assets; pay all legal debts, claims, taxes, and expenses; sell real and personal property; and do all necessary acts for the decedent’s estate.

Notice is further given that, subject to Minn. Stat. § 524.3-801, all creditors having claims against the decedent’s estate are required to present the claims to the personal representative or to the Court within four (4) months after the date of this notice or the claims will be barred.

Dated: 11/25/09

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

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

1. State the exact assumed name under which the business is or will be conducted: MACKIN EDUCATIONAL RESOURCES 2. State the address of the principal place of business: 3505 COUNTY ROAD 42 WEST, BURNSVILLE, MN 55306 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address.

MACKIN BOOK COMPANY, 3505 COUNTY ROAD 42 WEST, BURNSVILLE, MN 55306 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath.

Date 11-13-09 RANDAL M. HEISE, PRESIDENT 1998481 12/10-12/17/09

PUBLIC NOTICE NOTICE OF ASSESSMENT LIEN

FORECLOSURE SALE Date: November 23, 2009 YOU ARE NOTIFIED THAT: 1. Default has occurred in the terms and conditions of the Declaration for Diamond Path Villages Association, Inc. (hereinafter the "Association") which Declaration was filed in the office of the Dakota County Recorder on April 6, 1979 as Document No. 537352, and as amended which covers the following property: Lot 48, Block 1, Diamond Path 6th Addition, Dakota County, Minnesota.

2. Pursuant to said Declaration, there is claimed to be due and owing as of November 23, 2009 from Elizabeth A. Jones, title holder, to the Association, a Minnesota non-profit corporation, the amount of $11,918.10 for unpaid assessments, late fees and attorneys fees and costs, plus any other such amounts that will accrue after November 23, 2009, and other costs of collection and foreclosure which will be added to the amount claimed due and owing at the time of the sale herein.

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

4. The owner has not been released from her financial obligation to pay said amount.

5. The Lien arises pursuant to the Declaration described above, and is further described in a Notice of Lien in favor of the Association dated November 12, 2009, and recorded on November 18, 2009, Document No. 2697434 in the Dakota County Recorder's Office.

6. Pursuant to the power of sale contained in the same Declaration and granted by the owner in taking title to the premises subject to said Declaration, said Lien will be foreclosed by the sale of said property by the Dakota County Sheriffs Office, Dakota County Law Enforcement Center, 1580 Highway 55 Lobby S-100, Hastings, MN 55033, on the 28th day of January, 2010 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 additional costs of foreclosure, including attorneys fees as allowed by law.

7. 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, its personal representatives or assigns is six (6) months from the date of sale.

REDEMPTION NOTICE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. 8. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. DIAMOND PATH VILLAGES ASSOCIATION, INC. Attorneys for Diamond Path Villages Association, Inc. THOMSEN & NYBECK, P.A. By: Gretchen S. Schellhas (#195595) 3600 American Blvd. West, Suite 400 Bloomington, Minnesota 55431 (952) 835-7000 (Diamond Path/Jones 09-7-565D) 2002446 12/10/09-1/14/10

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PUBLIC NOTICE Notice of Issuance of Harassment

Order For Relief by Publication State of Minnesota County of Dakota District Court First Judicial District Court File Number: 19WS-CV-09-1905 Case Type: Harassment Michael William Blodgett, Petitioner(s) vs.

Thomas Joseph Hussman, Respondent(s) To Respondent named above: YOU ARE HEREBY NOTIFIED that a Harassment Order For Relief has been issued in the above matter.

A hearing is scheduled for January 5, 2010 at 9:00 a.m. at District Court, Northern Service Center, 1 Mendota Rd. W., Suite 140, West St. Paul, MN 55118.

Failure to appear at a scheduled hearing or to obtain a copy of the Harassment Order For Relief will not be a defense to prosecution for violation of the Court’s order.

Date December 1, 2009 Carolyn M. Renn Court Administrator Jean Baldwin Deputy 1998877 12/10/09

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 22, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $620,000.00 MORTGAGOR(S): David L. Sisson and Karie K. Sisson, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: August 20, 2004 Dakota County Recorder Document Number: 2240081 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015902083222073 Lender or Broker: CTX Mortgage Company, LLC Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 13114 Danube Ct, Rosemount, MN 55068-4381 Tax Parcel ID Number: 342510012003 LEGAL DESCRIPTION OF PROPERTY: Lot 12, Block 3, Evermoor, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $651,639.32 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 26, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 26, 2010, or the next business day if July 26, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 10, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 003910F01 2005178 12/10/09-1/14/10

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

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: Management Logics 2. State the address of the principal place of business: 16627 Kentucky Avenue, Lakeville, MN 55044 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address.

Chukwumyem Michael Enyi, 16627 Kentucky Avenue, Lakeville, MN 55044 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath.

Date 10-16-2009 Chukwumyem Michael Enyi, President 2005427 12/10-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN: That default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 30, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $467,500.00 MORTGAGOR(S): Anthony Barnes and Andrea Hintz-Barnes, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc as a nominee for Fremont Investment & Loan TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc MIN#: 1001944-5000107229-8 SERVICER: Ocwen Loan Servicing, LLC LENDER: Fremont Investment & Loan.

DATE AND PLACE OF FILING: Dakota County Minnesota, Recorder , on August 27, 2004, as Document No. 2242870 ASSIGNED TO: HSBC Bank USA, N.A., as Trustee for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2004-HE4, Asset Backed Pass-Through Certificates Dated: January 7, 2005 , and recorded April 21, 2009 by Document No. 2651558.

LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 2; Willow Ridge, Dakota County, Minnesota.

PROPERTY ADDRESS: 10408 209th Street West, Lakeville, MN 55044 PROPERTY I.D: 22-84275-010-02 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: Five Hundred Five Thousand Two Hundred Thirty and 74/100 ($505,230.74) THAT no action or proceeding has been instituted at law to recover the debt secured by said mortgage, or any part thereof; that there has been compliance with all pre-foreclosure notice and acceleration requirements of said mortgage, and/or applicable statutes; PURSUANT, to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: 10:00 AM on January 5, 2010 PLACE OF SALE: Sheriff`s Main Office, Law Enforcement Center, 1580 Highway 55, Hastings MN 55033-2343 to pay the debt then secured by said mortgage and taxes, if any actually paid by the mortgagee, on the premises and the costs and disbursements allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is 6 months from the date of sale.

"THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR`S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 19, 2009 HSBC Bank USA, N.A., as Trustee for the registered holders of ACE Securities Corp.

Home Equity Loan Trust, Series 2004-HE4, Asset Backed Pass-Through Certificates Randall S. Miller & Associates, P.C. Attorneys for Assignee of Mortgage/Mortgagee One Financial Plaza, 120 South Sixth Street, Suite 1100 Minneapolis, MN 55402 Phone: 612-573-3677 Our File No. 09MN00110-1 ASAP# 3338641 1977298 11/19-12/24/09

FOR HEARING ON PETITION FOR FORMAL PROBATE OF LOST WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT Court File No.: 19HA-PR-09-740 In Re: Estate of Jeanne C. Baker, aka, Jeanne Claire Baker, aka, Jeanne Baker, Decedent.

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

Any objections to the petition must be raised at the hearing or filed with the Court prior to the hearing. If the petition is proper and no objections are filed or raised, the personal representative will be appointed with the full power to administer the decedent’s estate, including the power to collect all assets; pay all legal debts, claims, taxes, and expenses; sell real and personal property; and do all necessary acts for the decedent’s estate.

Notice is further given that, subject to Minn. Stat. § 524.3-801, all creditors having claims against the decedent’s estate are required to present the claims to the personal representative or to the Court within four (4) months after the date of this notice or the claims will be barred.

Dated: 11/25/09

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

PUBLIC NOTICE ORDER FOR HEARING

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

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

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

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

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

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

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

1. State the exact assumed name under which the business is or will be conducted: Chef at the Door 2. State the address of the principal place of business: 13682 Birchwood Ave., Rosemount, MN 55068 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address.

Chefwerx LLC., 13682 Birchwood Ave., Rosemount, MN 55068 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath.

Date 11/13/2009 Jodie Miller/Owner 1996951 12/3-12/10/09

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

1. State the exact assumed name under which the business is or will be conducted: Duluth Deer Classic 2. State the address of the principal place of business: 14550 Granada Dr., Apple Valley, MN 55124 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address.

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

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

PUBLIC NOTICE MINNESOTA PUBLIC NOTICE NOTICE OF ASSESSMENT LIEN SECRETARY OF STATE

FORECLOSURE SALE Date: October 29, 2009 YOU ARE NOTIFIED THAT: 1. Default has occurred in the terms and conditions of the Declaration of Gardenview Place Association (hereinafter the "Association") which was recorded as Document No. 1109609 on March 29, 1993, in the Office of the Dakota County Recorder, covering the following property: L E G A L D E S C R I P T I O N : Lot 3, Block 1, Gardenview Place First Addition, Dakota County, Minnesota S T R E E T A D D R E S S : 14304 Hickory Court, Apple Valley, MN 55124 P A R C E L I D N U M B E R : 01-28950-030-01 2. Pursuant to said Declaration, there is claimed to be due and owing as of October 29, 2009, from Steven J. Nickelson, title holder, to the Association, a Minnesota non-profit corporation, the amount of $6,039.50 for unpaid association dues, late fees, attorneys fees and costs, plus any other such amounts that will accrue after October 29, 2009, and other costs of collection and foreclosure which will be added to the amount claimed due and owing at the time of the sale herein.

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

4. That all preforeclosure requirements have been met.

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

6. The Declaration, referenced above provide for a continuing lien against the property. A Notice of Lien evidencing the amount due was recorded on August 12, 2009, as Document No. 2677895 in the Dakota County Recorder's Office.

7. Pursuant to the power of sale contained in the same Declaration and granted by the owner in taking title to the premises subject to said Declaration, said Lien will be foreclosed by the sale of said property by the Sheriff of Dakota County, at the Dakota County Sheriffs Office, Dakota County Law Enforcement Center, 1580 Highway 55 Lobby S-100, Hastings, MN 55033, on the 12th day of January, 2010, at 10:00 a.m. at public auction to the highest bidder, to pay the amount then due for said assessments, together with the costs of foreclosure, including attorneys fees as allowed by law.

8. T h e t i m e a l l o w e d b y l a w f o r redemption by the unit owner, his personal representatives or assigns is six (6) months from the date of sale. The date and time to vacate the property is 11:59 p.m. on July 12, 2010, if the account is not reinstated or the owner does not redeem from the foreclosure sale.

REDEMPTION NOTICE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. 9. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. GARDENVIEW PLACE ASSOCIATION Attorneys for Gardenview Place Association: THOMSEN & NYBECK, P.A. By: Gretchen S. Schellhas (#195595) 3600 American Blvd. West, Suite 400 Bloomington, Minnesota 55431 (952) 835-7000 (Gardenview Place/Nickelson/09-7-634D) 1981346 11/19-12/24/09

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

1. State the exact assumed name under which the business is or will be conducted: Jaguar Blu Graphic Design 2. State the address of the principal place of business: 20405 Howland Ave W, Lakeville, MN 55044 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address.

Tanya Hobert, 20405 Howland Ave W, Lakeville, MN 55044 Sandy Nichols, 20405 Howland Ave W, Lakeville, MN 55044 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath.

Date 10-4-09 Tanya Hobert, President/Owner 1996797 12/3-12/10/09

PUBLIC NOTICE NOTICE AND ORDER FOR

HEARING ON PETITION FOR FORMAL SETTLEMENT OF ESTATE AND DISCHARGING PERSONAL REPRESENTATIVE STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT PROBATE COURT DIVISION FIRST JUDICIAL DISTRICT Court File No. 19-HA-PR-09-498 In Re: Estate of GEORGE J. DARVEAUX, aka, GEORGE JOSEPH DARVEAUX, Deceased The personal representative of the above named estate has filed a final account and a petition which requests formal allowance of the final account, and order of complete settlement of the estate of an insolvent estate and discharging personal representative.

IT IS ORDERED, and notice is given that the Petition will be heard on DECEMBER 28, 2009, at 9:00 o’clock A.M., by this Court at the Probate Court Division, Dakota County Judicial Center, 1560 Highway 55, Hastings, Minnesota, 55033. Any objections to the Petition must be filed with the Court prior to or at the hearing.

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: Mailing a copy of this Notice and Order by U.S. Postal Service at least 14 days prior to the hearing date.

Publishing this Notice and Order in accordance with law by: publishing once a week for two consecutive weeks, in a legal newspaper in Dakota County where the hearing is to be held, the last publication of which is to be at least 10 days before the time set for the hearing.

Date 12/7/09 ROBERT CAROLAN Judge of District Court (COURT SEAL) ATTORNEY FOR PETITIONER DENNIS J. VAN ORDEN ATTORNEY AT LAW METROPOINT 600 SOUTH HIGHWAY 169 SUITE 654 MINNEAPOLIS MN 55426 TELEPHONE 1-952-544-9727 FAX 952-544-9893 E-MAIL dvolaw@qwestoffice.net ID 112318 2007232 12/10-12/17/09

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

1. State the exact assumed name under which the business is or will be conducted: EUREKA-TEK 2. State the address of the principal place of business: 24545 HIGHVIEW AVE., LAKEVILLE, MN 55044 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address.

Bruce Tormoen, 8240 James Ave So., Bloomington, MN 55431 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath.

Date September 3, 2009 Bruce Tormoen, Owner Igor Feyda, Owner 1993874 12/3-12/10/09

PUBLIC NOTICE NOTICE OF ASSESSMENT LIEN

FORECLOSURE SALE Date: November 2, 2009 YOU ARE NOTIFIED THAT: 1. Default has occurred in the terms and conditions of the Declaration of Gardenview Place Association (hereinafter the "Association") which was recorded as Document No. 1109609 on March 29, 1993, as amended, in the Office of the Dakota County Recorder, covering the following property: L E G A L D E S C R I P T I O N : Lot 1, Block 1, Gardenview Place Second Addition, Dakota County, Minnesota STREET ADDRESS: 14201 Hibiscus Court, Apple Valley, MN 55124 P A R C E L I D N U M B E R : 01-28951-010-01 2. Pursuant to said Declaration, there is claimed to be due and owing as of November 2, 2009, from Dean E. Hewes, title holder, to the Association, a Minnesota non-profit corporation, the amount of $3,637.50 for unpaid association dues, late fees, attorneys fees and costs, plus any other such amounts that will accrue after November 2, 2009, and other costs of collection and foreclosure which will be added to the amount claimed due and owing at the time of the sale herein.

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

4. That all preforeclosure requirements have been met.

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

6. The Declaration, referenced above provide for a continuing lien against the property. A Notice of Lien evidencing the amount due was recorded on July 15, 2009, as Document No. 2671409 in the Dakota County Recorder's Office.

7. Pursuant to the power of sale contained in the same Declaration and granted by the owner in taking title to the premises subject to said Declaration, said Lien will be foreclosed by the sale of said property by the Sheriff of Dakota County, at the Dakota County Sheriffs Office, Dakota County Law Enforcement Center, 1580 Highway 55 Lobby S-100, Hastings, MN 55033, on the 13th day of January, 2010, at 10:00 a.m. at public auction to the highest bidder, to pay the amount then due for said assessments, together with the costs of foreclosure, including attorneys fees as allowed by law.

8. T h e t i m e a l l o w e d b y l a w f o r redemption by the unit owner, his personal representatives or assigns is six (6) months from the date of sale. The date and time to vacate the property is 11:59 p.m. on July 13, 2010, if the account is not reinstated or the owner does not redeem from the foreclosure sale.

REDEMPTION NOTICE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. 9. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. GARDENVIEW PLACE ASSOCIATION Attorneys for Gardenview Place Association: THOMSEN & NYBECK, P.A. By: Gretchen S. Schellhas (#195595) 3600 American Blvd. West, Suite 400 Bloomington, Minnesota 55431 (952) 835-7000 (Gardenview Place/Hewes/09-7-341D) 1981486 11/19-12/24/09

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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: Community Action Council 2. State the address of the principal place of business: 501 E. Highway 13, Suite 102, Burnsville, MN 55337-2877 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.

360 Communities, 501 E. Highway 13, Suite 102, Burnsville, MN 55337-2877 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath.

Date November 19, 2009 Virginia A. Dwyer, Attorney 1999879 12/10-12/17/09P

PUBLIC NOTICE ORDER TO SHOW CAUSE

IN PROCEEDINGS SUBSEQUENT TO INITIAL REGISTRATION OF LAND STATE OF MINNESOTA DISTRICT COURT COUNTY OF DAKOTA FIRST JUDICIAL DISTRICT COURT FILE NO. 19HA-CV-09-6844 In the Matter of the Petition of: U.S. Bank, N.A., as Trustee for the Registered holders of Home Equity Asset Trust 2004-7, Home Equity PassThrough Certificates, Series 2004-7 In Relation to Certificate of Title No. 145527 issued for land in the County of Dakota and State of Minnesota and legally described as: The West 67 feet of Lot Seven (7) in Caroline's Lake View, according to the recorded plat thereof, EXCEPT that part shown as Parcel 230C on the plat designated as Minnesota Department of Transportation Right of Way Plat No. 19-37, on file and of record in the office of the Registrar of Titles in and for Dakota County, Minnesota.

TO: Linda Lee Johnson Upon receiving and filing the Report of the Examiner of Titles in the above entitled matter: IT IS ORDERED, that you, and all persons interested, appear before this Court on the 27th day of January, 2010, at 9:00 a.m. in 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. 145527 and enter a new Certificate of Title for the land therein described in favor of U.S. Bank, N.A., as Trustee for the Registered holders of Home Equity Asset Trust 2004-7, Home Equity Pass-Through Certificates, Series 2004-7, subject to the memorials of Document Nos. 82887 and 115824 but free from all other memorials now appearing on the present Certificate of Title, the last of which is Document No. 651509, and free also from the Memorial of this Order.

IT IS FURTHER ORDERED, That this Order be served: (a) at least 10 days before the hearing upon the above-named parties residing in this State in the manner provided by law for the service of Summons in a civil action; (b) at least 14 days before the hearing upon each of the above-named non-residents by sending a copy of this Order to the non-resident's post office address, by registered or certified mail, return receipt requested; (c) upon each of the above-named parties who cannot be found by two weeks published notice and by sending a copy of this Order at least 14 days before the hearing by first class mail to the last known address of the party and by sending another copy of this Order at least 14 days before the hearing by first class mail to the address of such party as stated on the Certificate of Title if an address is so stated; (d) upon a dissolved, withdrawn, or revoked business entity governed by Minn. Stat. Chp. 302A, 303, 317A, 322A, 322B, or 323 in the manner provided by Minn. Stat. § 5.25.

Dated: November 16, 2009 Approved: Examiner of Titles James P. O'Connell By: James P. O'Connell Examiner of Titles

BY THE COURT: Robert F. Carolan Judge of District Court Lawrence A. Wilford Wilford & Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125 (651) 209-3300 (Phone) (651) 209-3339 (Fax) File ID No. 32400 Attendance is not required at said time except to object to the entry of the above-described Order.

1999322 12/10-12/17/09

PUBLIC NOTICE

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

1. State the exact assumed name under which the business is or will be conducted: Valley Lawn Maintenance 2. State the address of the principal place of business: 16865 Javelin Avenue, Lakeville, MN 55044 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address.

John Senftner, 16865 Javelin Avenue, Lakeville, Minn 55044 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath.

Date 10/26/09 John Senftner, Owner 1996727 12/3-12/10/09

PUBLIC NOTICE ORDER FOR

HEARING AND NOTICE (CHILD IN NEED OF PROTECTION OR SERVICES PETITION PROCEEDINGS) STATE OF MINNESOTA COUNTY OF DAKOTA COUNTY COURT JUVENILE DIVISION File No. HA-JV-09-4153 In the Matter of the Welfare of D.H., Child.

TO: Delaranzia Williams F/K/A Delaranzia Malone Social Worker, Irasema Morales, having filed in this Court, a petition alleging among other things that the above named child is, in need of protection or services, in this, viz: within the meaning of Minnesota Statutes, Section 260C.007: Subd. 6(3), in that the child is without necessary food, clothing, shelter, education, or other required care for the child’s physical or mental health or morals because the child’s parent, guardian, or custodian is unable or unwilling to provide that care. Subd. 6(4), in that the child is without the special care made necessary by a physical, mental, or emotional condition because the child’s parent, guardian, or custodian is unable or unwilling to provide that care.

IT IS ORDERED that said petition be heard and the facts concerning such child be examined by the Court in the County Court Room, in the Court House, in Hastings, Minnesota, on January 13, 2010 at 9:00 am, or as soon thereafter as said matter can be heard; IT IS FURTHER ORDERED that notice hereof be given to the following named persons by one week publication in a legal newspaper as provided by law, viz: Delaranzia Williams F/K/A Delaranzia Malone.

Dated: December 1, 2009 Richard G. Spicer Judge 2003084 12/10/09

PUBLIC NOTICE

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

TO: Brent Stein; and to parties, if any, in possession of said premises adverse to the Petitioner.

Upon receiving and filing the Report of the Examiner of Titles in the above entitled matter, IT IS HEREBY ORDERED, that you, and all persons interested, appear before this Court on the 23rd day of December, 2009, at 9:00 a.m. in the Dakota county Government Center, Hastings, Minnesota, and then, or as soon thereafter as said matter can be heard, show cause, if any there be, why this Court should not enter an Order as follows: That the Registrar of Titles, upon the filing with him of a certified copy of this Order, cancel Certificate of Title No. 140670 and enter a new Certificate of Title for the land therein described in favor of Bruce Gibson, free from all other memorials now appearing on the present Certificate of Title, the last of which is Document No. 642794, and free also from the Memorial of this Order.

IT IS FURTHER ORDERED, that this Order be served: (a) at least 10 days before the hearing upon the above-named parties residing in this State in the manner provided by law for the service of Summons in a civil action; (b) it shall be served at least 14 days before the hearing upon each of the

before the hearing upon each of the above-named non-residents by sending a copy of this Order to the non-resident's post office address, by registered or certified mail, return receipt requested; (c) it shall be served upon any party who cannot be found by two weeks published notice and by sending a copy of this Order at least 14 days before the hearing by first class mail to the last known address of the party and by sending another copy of this Order at least 14 days before the hearing by first class mail to the address of such party as stated on the Certificate of Title if an address is so stated.

DATED: November 2, 2009

BY THE COURT: /s/ Richard G. Spicer Judge of District Court APPROVED: JAMES P. O'CONNELL EXAMINER OF TITLES BY: /s/ James P. O'Connell JAMES P. O'CONNELL Attorney for Petitioner: David R. McCalip Wilford & Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125 1997596 12/3-12/10/09

PUBLIC NOTICE NOTICE OF PUBLIC HEARING

ON THE DISPOSITION OF REAL PROPERTY DAKOTA COUNTY COMMUNITY DEVELOPMENT AGENCY NOTICE IS HEREBY GIVEN that the Dakota County Community Development Agency (the "CDA") will meet on Tuesday, January 12, 2010, at or after 3:30 p.m. at 1228 Town Centre Drive, Eagan, Minnesota 55123, for the purpose of conducting a public hearing to consider the disposition of CDA-owned property at 1114 Livingston Avenue, West St. Paul, Minnesota. The acquisition of this real property was funded from the federal Neighborhood Stabilization Program, and the proposed disposition is to the Twin Cities Habitat for Humanity Community Housing Development Organization, Inc. Additional information may be obtained by contacting Dan Rogness, CDA Director of Community Revitalization, at 651-675-4464 or drogness@dakotacda.state.mn.us.

All persons interested may appear and be heard at the time and place set forth above.

January 12, 2010

BY ORDER OF THE BOARD OF COMMISSIONERS OF THE DAKOTA COUNTY COMMUNITY DEVELOPMENT AGENCY By /Mark S. Ulfers Executive Director 2007289 12/10/09

PUBLIC NOTICE Notice of Hearing by Publication

(Minn. Stat. § 518B.01, subd. 8) State of Minnesota County of Dakota District Court First Judicial District Court File Number: 19WS-FA-09-1943 Case Type: Domestic Abuse In the Matter of: Kristine J. Jarchow, Petitioner vs.

Michael Morris II, Respondent To Respondent named above: An order has been issued directing you to appear at 1 W Mendota Rd #140, West St Paul, MN 55118 on January 8th, 2010 at 1:30p.m. and explain why the relief sought in the Petition for the Order for Protection should not be granted.

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

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

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

Date 12-7-09 Carolyn M. Renn Court Administrator K. Luhrs Deputy 2005550 12/10/09

PUBLIC NOTICE

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

1. State the exact assumed name under which the business is or will be conducted: RI Services 2. State the address of the principal place of business: 1875 Timber Ridge Drive, Burnsville, MN 55306 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address.

Romarj, Inc., 1875 Timber Ridge Drive, Burnsville, MN 55306 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath.

Date 11/02/09 Jeff Brandt, President 1999250 12/10-12/17/09

PUBLIC NOTICE PUBLIC NOTICE Notice of Issuance of Harassment NOTICE OF ASSOCIATION LIEN

Order For Relief by Publication State of Minnesota County of DAKOTA District Court FIRST Judicial District Court File Number: 19AV-CV-09-4207 Case Type: Harassment DIANE NITTI, Petitioner(s) vs.

TIMOTHY ALBRECHT, Respondent(s) To Respondent named above: YOU ARE HEREBY NOTIFIED that a Harassment Order For Relief has been issued in the above matter.

You may request a hearing on this matter if you file a Request For Hearing with the Court within 45 days of issuance of the Harassment Order For Relief. You may obtain a copy of the Harassment Order For Relief from the court administrator’s office at the following address: 14955 GALAXIE AVENUE, APPLE VALLEY, MN 55124.

Failure to appear at a scheduled hearing or to obtain a copy of the Harassment Order For Relief will not be a defense to prosecution for violation of the Court’s order.

THE EXPARTE ORDER SHALL REMAIN IN EFFECT UNTIL FURTHER ORDER OF THE COURT. Date DECEMBER 2, 2009 CAROLYN RENN Court Administrator VALERIE BLOMQUIST Deputy 2001018 12/10/09

PUBLIC NOTICE ORDER FOR

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

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

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

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

FORECLOSURE SALE NOTICE IS HEREBY GIVEN, that default has occurred in the terms and conditions of the Declaration for Ridgeview Condominium Homes ("Declaration") as recorded in the office of the County Recorder in and for Dakota County, Minnesota, which said Declaration covers the following described property situated in the County of Dakota and State of Minnesota, to-wit: Apartment Number 101, 12922 Nicollet Avenue South, Condominium Ownership No. 15, Ridgeview Condominium Homes according to the plat thereof on file or of record in the Office of the County Recorder in and for Dakota County, Minnesota.

P R O P E R T Y A D D R E S S : 12922 Nicollet Avenue South Unit 101, Burnsville MN 55337.

THAT, pursuant to said Declaration, there is claimed to be due and owing as of the date of this Notice by Lisbeth B. McKenzie, as Unit owner, to Ridgeview Homeowners Association, the principal amount of Five Thousand Nine Hundred Ninety One and 50/100 ($5,991.50) for condominium assessments; and that any action being now pending at law or otherwise to recover said debt or any part thereof has been discontinued, or that an execution upon any judgment rendered therein has been returned unsatisfied, in whole or in part, and; THAT, pursuant to said Declaration, and the statute in such case made and provided, said debt creates a lien upon said premises in favor of Ridgeview Homeowners Association, as evidenced by that Notice of Lien dated April 30, 2009, and recorded June 5, 2009, as Document No. 2662286 in the office of the County Recorder in and for Dakota County, Minnesota.

THAT, notice is hereby given that by virtue of the power of sale created by statute, said lien will be foreclosed by the sale of said premises with the hereditiments and appurtenances thereto, which said sale will be made by the Sheriff of Dakota County, at public auction to the highest bidder, for cash, to pay the amount then due for said condominium assessments, together with the costs of foreclosure, including attorney's fees as allowed by law, as follows: DATE AND TIME OF SALE: January 13, 2010, at 10:00 A.M. PLACE OF SALE: Law Enforcement Center, 1580 Highway 55, Hastings, MN. The time allowed by law for redemption by the Unit owner, their personal representatives or assigns, is six (6) months from the date of said sale. If no redemption occurs, the property must be vacated by 11:59pm on July 13, 2010.

Dated: November 18, 2009 By /s/ David J. Raymond, #221818 Attorney for Ridgeview Homeowners Association 5838 Blackshire Path Inver Grove Heights, MN 55076 651-455-3100 File # 1441129 THIS COMMUNICATION IS FROM A DEBT COLLECTOR. 1988582 11/26-12/31/09

NOTICE PUBLIC NOTICE PUBLIC NOTICE OF MORTGAGE NOTICE AND ORDER

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

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

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

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

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

524.3-204.

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

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

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 2 5 , 2006 MORTGAGOR: Katherine Sorensen n/k/a Katherine Ann Harris, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded September 21, 2006, Dakota County Recorder, Document No. 2463036.

ASSIGNMENTS OF MORTGAGE: Assigned to: Aurora Loan Services, LLC, Dated: October 19, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100061907000011874 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Summit Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: Aurora Loan Services LLC MORTGAGED PROPERTY ADDRESS: 15657 Eagle Stone Road, Apple Valley, MN 55124 TAX PARCEL I.D. #: 011805230531 LEGAL DESCRIPTION OF PROPERTY: Unit No. 1305, CIC Number 484, a condominium, Legacy Homes at Cobblestone Lake North Shore, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $215,200.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $241,394.53 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law

proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 23, 2009.

Aurora Loan Services LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 98-931 0033226978 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966645 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 5 , 2007 MORTGAGORS: A u d r e y S m i t h a n d Stanley Smith, WIFE AND HUSBAND. MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Registered October 18, 2007, Dakota County Registrar of Titles, Document No. 618937, Certificate of Title No. 127213.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: October 21, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100011520047168358 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: CitiMortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 16110 Inglewood Drive, Lakeville, MN 55044 TAX PARCEL I.D.#: 22-14500-050-05 LEGAL DESCRIPTION OF PROPERTY: Lot 5, Block 5, Bluebill Bay Estates.

Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $195,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $188,511.57 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 13, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns

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personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 13, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 27, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2613 2004716835 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966810 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 1 1 , 2006 MORTGAGORS: Ronald S. Baker and Carolyn T. Baker, husband and wife.

MORTGAGEE: ABN Amro Mortgage Group, Inc. n/k/a CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Recorded August 22, 2006, Dakota County Recorder, Document No. 2455448.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: ABN Amro Mortgage Group, Inc. n/k/a CitiMortgage, Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 505 Elm Street, Farmington, MN 55024 TAX PARCEL I.D.#: 14-23570-080-00 LEGAL DESCRIPTION OF PROPERTY: Lot Eight of Elmway Addition, in the Village (now City) of Farmington COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $142,200.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $146,762.30 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 6, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

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

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED

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: October 26, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2509 653752060 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966159 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 27, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $197,600.00 MORTGAGOR(S): Lynda Stevens, a single person MORTGAGEE: Aames Funding Corporation dba Aames Home Loans DATE AND PLACE OF REGISTERING: Registered: December 14, 2005 Dakota County Registrar of Titles, Document Number: 581028 ASSIGNMENTS OF MORTGAGE: And assigned to: Deutsche Bank National Trust Company, as Indenture Trustee, on behalf of the holders of the Aames Mortgage Investment Trust 2006-1, Mortgage Backed Notes, Dated: November 04, 2009 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Aames Funding Corporation dba Aames Home Loans Residential Mortgage Servicer: Select Portfolio Servicing Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 138349 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 20699 Jaguar Ave, Lakeville, MN 55044-5944 Tax Parcel ID Number: 22-48203-050-01 LEGAL DESCRIPTION OF PROPERTY: Lot Five (5), Block One (1), Meadows West 4th Addition, according to the recorded plat thereof.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $197,523.30 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; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 25, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 25, 2010, or the next business day if July 25, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 10, 2009 ASSIGNEE OF MORTGAGEE: Deutsche Bank National Trust Company, as Indenture Trustee, on behalf of the holders of the Aames Mortgage Investment Trust 2006-1, Mortgage Backed Notes Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010047F01 2003288 12/10/09-1/14/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: February 21, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $264,500.00 MORTGAGOR(S): Christine Heinzman and Mark Heinzman, wife and husband MORTGAGEE: Bankers Mortgage Company, LLC DATE AND PLACE OF RECORDING: Recorded: March 24, 2005 Dakota County Recorder, Document Number: 2306878 DATE AND PLACE OF REGISTERING: Registered: March 24, 2005 Dakota County Registrar of Titles, Document Number: 561553 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank, N.A., Dated: February 21, 2005, Recorded: March 24, 2005 Dakota County Recorder, Document Number: 2306879, Registered: March 24, 2005 Dakota County Registrar of Titles, Document Number: 561554 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Bankers Mortgage Company, LLC Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 129845 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 17341 Jade Ct, Lakeville, MN 55044-9173 Tax Parcel ID Number: 22-13202-050-01 LEGAL DESCRIPTION OF PROPERTY: Lot Five (5), Block One (1), Barrett Third Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $270,675.54 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that a portion of this property is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 28, 2010, or the next business day if July 28, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 10, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank, N.A. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010213F01 2004130 12/10/09-1/14/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 27, 2005 MORTGAGOR: T i m o t h y M . M o n t gomery, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded June 8, 2005, Dakota County Recorder, Document No.

County Recorder, Document No. 2328486.

ASSIGNMENTS OF MORTGAGE: Assigned to: Aurora Loan Services, LLC, Dated: October 19, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100039223350003654 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Magnus Financial Corporation RESIDENTIAL MORTGAGE SERVICER: Aurora Loan Services LLC MORTGAGED PROPERTY ADDRESS: 3937 156th Street West, Rosemount, MN 55068 TAX PARCEL I.D.#: 34-81310-320-02 LEGAL DESCRIPTION OF PROPERTY: Lot 32, Block 2, Valley Oak Addition Replat, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $200,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $206,985.12 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 23, 2009.

Aurora Loan Services LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 98-925 0030701205 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966694 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 26, 2001 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $132,000.00 MORTGAGOR(S): Richard A. Gorans and Karen R. Gorans, husband and wife MORTGAGEE: Anchor Bank, West St. Paul, N.A. DATE AND PLACE OF REGISTERING: Registered: December 03, 2001 Dakota County Registrar of Titles, Document Number: 453685 ASSIGNMENTS OF MORTGAGE:And assigned to: TCF Mortgage Corporation, Dated: September 26, 2001, Registered: December 03, 2001 Dakota County Registrar of Titles, Document Number: 453686 And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: May 01, 2006, Registered: May 09, 2006 Dakota County Registrar of Titles, Document Number: 589832 And assigned to: U.S. Bank National Association, Dated: October 03, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001721412 Lender or Broker: Anchor Bank, West St. Paul, N.A. Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 97350 COUNTY IN WHICH PROPERTY IS

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������ ��������Center, ��� ���� COUNTY IN WHICH ������ PROPERTY������� IS Law Enforcement 1580 High LOCATED: Dakota way 55, Lobby S-100, Hastings, MinneProperty Address: 721 22nd Ave N, sota South Saint Paul, MN 55075-1318 to pay the debt secured by said mortT a x P a r c e l I D N u m b e r : gage and taxes, if any, on said premises and the costs and disburse36-76800-250-01 L E G A L D E S C R I P T I O N O F P R O P - ments, including attorney fees allowed E R T Y : L o t 2 5 , B l o c k 1 , T o w e r by law, subject to redemption within Heights, according to the recorded six (6) months from the date of said plat thereof and situate in Dakota sale by the mortgagor(s), their perCounty, Minnesota. sonal representatives or assigns.

AMOUNT DUE AND CLAIMED TO BE If the Mortgage is not reinstated D U E A S O F D A T E O F N O T I C E : under Minn. Stat. §580.30 or the prop$123,214.63 erty is not redeemed under Minn. Stat.

THAT all pre-foreclosure require- §580.23, the Mortgagor must vacate ments have been complied with; that the property on or before 11:59 p.m. on no action or proceeding has been insti- June 17, 2010, or the next business tuted at law or otherwise to recover the day if June 17, 2010 falls on a Saturdebt secured by said mortgage, or any day, Sunday or legal holiday. part thereof; that this is registered Mortgagor(s) released from financial property; obligation: NONE PURSUANT to the power of sale conTHIS COMMUNICATION IS FROM t a i n e d i n s a i d m o r t g a g e , t h e A DEBT COLLECTOR ATTEMPTabove-described property will be sold ING TO COLLECT A DEBT. ANY by the Sheriff of said county as fol- INFORMATION OBTAINED WILL BE lows: USED FOR THAT PURPOSE. DATE AND TIME OF SALE: DecemTHE RIGHT TO VERIFICATION OF ber 17, 2009 at 10:00 AM THE DEBT AND IDENTITY OF THE PLACE OF SALE: Dakota County ORIGINAL CREDITOR WITHIN THE Law Enforcement Center, 1580 High- T I M E P R O V I D E D B Y L A W I S N O T way 55, Lobby S-100, Hastings, Minne- AFFECTED BY THIS ACTION. sota THE TIME ALLOWED BY LAW FOR to pay the debt secured by said mort- REDEMPTION BY THE MORTGAGOR, gage and taxes, if any, on said pre- THE MORTGAGOR'S PERSONAL REPmises and the costs and disburse- RESENTATIVES OR ASSIGNS, MAY BE ments, including attorney fees allowed REDUCED TO FIVE WEEKS IF A JUDIby law, subject to redemption within CIAL ORDER IS ENTERED UNDER six (6) months from the date of said MINNESOTA STATUTES, SECTION sale by the mortgagor(s), their per- 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G sonal representatives or assigns.

OTHER THINGS, THAT THE MORTIf the Mortgage is not reinstated GAGED PREMISES ARE IMPROVED under Minn. Stat. §580.30 or the prop- WITH A RESIDENTIAL DWELLING OF erty is not redeemed under Minn. Stat. LESS THAN FIVE UNITS, ARE NOT §580.23, the Mortgagor must vacate PROPERTY USED IN AGRICULTURAL the property on or before 11:59 p.m. on PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 June 17, 2010, or the next business day if June 17, 2010 falls on a SaturASSIGNEE OF MORTGAGEE: Central Mortgage Company day, Sunday or legal holiday.

Mortgagor(s) released from financial Wilford & Geske, P.A. obligation: NONE Attorneys for Assignee of Mortgagee THIS COMMUNICATION IS FROM Lawrence A. Wilford A DEBT COLLECTOR ATTEMPT- James A. Geske ING TO COLLECT A DEBT. ANY 8425 Seasons Parkway, Suite 105 INFORMATION OBTAINED WILL BE Woodbury, MN 55125-4393 (651) 209-3300 USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF File Number: 002172F02 11/5-12/10/09 THE DEBT AND IDENTITY OF THE 1963422 ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE OF MORTGAGE THE TIME ALLOWED BY LAW FOR FORECLOSURE SALE REDEMPTION BY THE MORTGAGOR, THE RIGHT TO VERIFICATION OF THE MORTGAGOR'S PERSONAL REPTHE DEBT AND IDENTITY OF THE RESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDI- ORIGINAL CREDITOR WITHIN THE CIAL ORDER IS ENTERED UNDER T I M E P R O V I D E D B Y L A W I S N O T MINNESOTA STATUTES, SECTION AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORT- default has occurred in conditions of the following described mortgage: GAGED PREMISES ARE IMPROVED DATE OF MORTGAGE: May 25, 2007 WITH A RESIDENTIAL DWELLING OF MORTGAGORS: Kannan Solayappan LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL and Vallikannu K. Solayappan, husband and wife.

PRODUCTION, AND ARE ABANDONED. MORTGAGEE: J P M o r g a n C h a s e DATED: November 05, 2009 ASSIGNEE OF MORTGAGEE: Bank, N.A. DATE AND PLACE OF RECORDING: U.S. Bank National Association Recorded June 13, 2007, Dakota Wilford & Geske, P.A. County Recorder, Document No. Attorneys for Assignee of Mortgagee 2523767.

Lawrence A. Wilford ASSIGNMENTS OF MORTGAGE: James A. Geske Assigned to: Chase Home Finance 8425 Seasons Parkway, Suite 105 LLC, Dated: October 20, 2009.

Woodbury, MN 55125-4393 TRANSACTION AGENT: NONE (651) 209-3300 TRANSACTION AGENT'S MORTFile Number: 009152F01 1966003 11/5-12/10/09 GAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: JPMorgan Chase Bank, NOTICE OF MORTGAGE N.A. FORECLOSURE SALE RESIDENTIAL MORTGAGE SERNOTICE IS HEREBY GIVEN that default has occurred in the conditions VICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: of the following described mortgage: DATE OF MORTGAGE: October 28, 1 4 8 8 D e e r w o o d B e n d , E a g a n , M N 55122 2005 ORIGINAL PRINCIPAL AMOUNT OF TAX PARCEL I.D.#: 10-84900-300-01 LEGAL DESCRIPTION OF PROPMORTGAGE: $348,000.00 MORTGAGOR(S): Aaron P. Welborn ERTY: and Jane M. Welborn, husband and Lot 30, Block 1, Woodstone Townhomes, Common Interest Commuwife MORTGAGEE: Mortgage Electronic nity No. 333, Dakota County, MinneRegistration Systems, Inc. sota.

DATE AND PLACE OF RECORDING: COUNTY IN WHICH PROPERTY IS Recorded: November 07, 2005 Dakota LOCATED: Dakota County Recorder, Document Number: ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $388,900.00 2378823 AMOUNT DUE AND CLAIMED TO BE ASSIGNMENTS OF MORTGAGE: And assigned to: Central Mortgage Com- DUE AS OF DATE OF NOTICE, INCLUDp a n y , D a t e d : F e b r u a r y 2 7 , 2 0 0 9 , ING TAXES, IF ANY, PAID BY MORTR e c o r d e d : A p r i l 1 4 , 2 0 0 9 D a k o t a GAGEE: $394,026.28 County Recorder, Document Number: That prior to the commencement of this mortgage foreclosure proceeding 2650088 Transaction Agent: Mortgage Elec- Mortgagee/Assignee of Mortgagee complied with all notice requirements as tronic Registration Systems, Inc. Transaction Agent Mortgage Identifi- required by statute; That no action or proceeding has been instituted at law cation Number: 100131022500832211 Lender or Broker: American Mort- o r o t h e r w i s e t o r e c o v e r t h e d e b t secured by said mortgage, or any part gage Network, Inc. Residential Mortgage Servicer: Cen- thereof; tral Mortgage Company PURSUANT to the power of sale contained in said mortgage, the above Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS described property will be sold by the Sheriff of said county as follows: LOCATED: Dakota DATE AND TIME OF SALE: January Property Address: 12593 Eden Ct, 14, 2010 at 10:00 AM Apple Valley, MN 55124-5745 PLACE OF SALE: S h e r i f f ' s O f f i c e , Tax Parcel ID Number: Law Enforcement Center, 1580 Hwy 01-15150-020-01 L E G A L D E S C R I P T I O N O F P R O P - 55, Lobby #S-100, Hastings, MN ERTY: Lot 2, Block 1, Briar Knoll 1st to pay the debt then secured by said Addition, Dakota County, Minnesota. Mortgage, and taxes, if any, on said AMOUNT DUE AND CLAIMED TO BE premises, and the costs and disburseD U E A S O F D A T E O F N O T I C E : ments, including attorneys' fees allowed by law subject to redemption $373,686.90 THAT all pre-foreclosure require- within six (6) months from the date of ments have been complied with; that said sale by the mortgagor(s), their no action or proceeding has been insti- personal representatives or assigns tuted at law or otherwise to recover the unless reduced to Five (5) weeks under debt secured by said mortgage, or any MN Stat. §580.07.

TIME AND DATE TO VACATE PROPpart thereof; PURSUANT to the power of sale con- E R T Y : I f t h e r e a l e s t a t e i s a n t a i n e d i n s a i d m o r t g a g e , t h e owner-occupied, single-family dwellabove-described property will be sold ing, unless otherwise provided by law, by the Sheriff of said county as fol- the date on or before which the mortgagor(s) must vacate the property if the lows: DATE AND TIME OF SALE: Decem- mortgage is not reinstated under section 580.30 or the property is not ber 17, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 High- ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� ��� ���� ������ ������ ������� PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. ���������� ���� ��������� tion 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 28, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7198 1064171968 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966191 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: November 01, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $115,200.00 MORTGAGOR(S): Leona Gines, a single woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: December 01, 2004 Dakota County Registrar of Titles, Document Number: 553336 ASSIGNMENTS OF MORTGAGE: And assigned to: The Bank of New York Mellon fka the Bank of New York as Trustee for the Certificateholders CWABS, Inc. Asset-backed Certificates, Series 2004-13, Dated: October 21, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700043043211 Lender or Broker: America's Wholesale Lender Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 134357 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1004 E Travelers Trl, Burnsville, MN 55337-2983 Tax Parcel ID Number: 02-16500-142-01 LEGAL DESCRIPTION OF PROPERTY: Residential Unit No. 42 and Garage Unit No. 42A, Condominium No. 56, Castle Crest Condominiums, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $134,591.68 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 05, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 05, 2010, or the next business day if July 05, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL

DATED: November 05, 2009 ASSIGNEE OF MORTGAGEE: The Bank of New York Mellon fka the Bank of New York as Trustee for the Certificateholders CWABS, Inc. Asset-backed Certificates, Series 2004-13 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009839F01 1963863 11/5-12/10/09

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE:A u g u s t 3 0 , 2005 MORTGAGORS:Paul E. Werner and Cheren J. Werner, husband and wife.

MORTGAGEE:Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered September 15, 2005, Dakota County Registrar of Titles, Document No. 574446, Certificate of Title No. 137489.

ASSIGNMENTS OF MORTGAGE: Assigned to: U. S. Bank, N.A., Dated: March 25, 2008, Recorded: April 1, 2008, Document No. 625881.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100021278104475608 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Pioneer Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 3780 Upper 71st Street E., Inver Grove Heights, MN 55076 T A X P A R C E L I . D . # : 20-71155-020-06 LEGAL DESCRIPTION OF PROPERTY: Lot Two (2) in Block Six (6) of South Grove No. 6 COUNTY IN WHICH PROPERTY IS LOCATED:Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE:$220,255.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE:$268,479.42 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 4, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 4, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 30, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-561 7810447560 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2007011 12/10/09-1/14/10

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE:May 3, 2006 MORTGAGOR:Paul C. Stellrecht, an unmarried man.

MORTGAGEE:J P M o r g a n C h a s e Bank, National Association as successor in interest to Washington Mutual Bank, FA. DATE AND PLACE OF RECORDING: Recorded June 2, 2006, Dakota County Recorder, Document No. 2434494.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Washington Mutual Bank, FA RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 675 South Park Court, Hastings, MN 55033 T A X P A R C E L I . D . # : 19-14702-080-01 LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 1, Bohlken Estates 3rd Addition COUNTY IN WHICH PROPERTY IS LOCATED:Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE:$328,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE:$343,649.13 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 11, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

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

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 4, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2643 3062520006 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2006935 12/10/09-1/14/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 2 9 , 2007 MORTGAGORS: Burton Erickson and Danelle Erickson, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded September 18, 2007, Dakota County Recorder, Document No. 2544605.

2544605.

ASSIGNMENTS OF MORTGAGE: Assigned to: Aurora Loan Services, LLC, Dated: October 20, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100024200018151478 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: American Brokers Conduit RESIDENTIAL MORTGAGE SERVICER: Aurora Loan Services LLC MORTGAGED PROPERTY ADDRESS: 16073 Flagstaff Avenue, Lakeville, MN 55044 TAX PARCEL I.D.#: 22-73400-020-01 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 1, Sunrise Village Common Interest Community No. 586.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $273,600.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $307,157.58 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: January 12, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 12, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 27, 2009.

Aurora Loan Services LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 98-929 0124846312 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966715 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 1 5 , 2004 MORTGAGORS: Daniel J. Lick and Dana M. Lick, husband and wife.

MORTGAGEE: J P M o r g a n C h a s e Bank, N.A. as successor in interest to Washington Mutual Bank, FA. DATE AND PLACE OF RECORDING: Recorded July 23, 2004, Dakota County Recorder, Document No. 2229489.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Washington Mutual Bank, FA RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 220 North 18th Avenue, South Saint Paul, MN 55075 TAX PARCEL I.D.#: 36-17200-060-00 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Choban's Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $196,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $218,811.86 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 23, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2573 0680393337 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966966 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 27, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $310,840.00 MORTGAGOR(S): Benzir Ahmed and Tanjina Helaly, husband and wife MORTGAGEE: 2004-0000329, LLC DATE AND PLACE OF RECORDING: Recorded: October 12, 2007 Dakota County Recorder, Document Number: 2550272 ASSIGNMENTS OF MORTGAGE: And assigned to: Guidance Residential, LLC, Dated: September 27, 2007 Recorded: October 12, 2007 Dakota County Recorder, Document Number: 2550273 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: 2004-0000329, LLC Residential Mortgage Servicer: Dovenmuehle Mortgage, Inc. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 19600 Estes Path, Farmington, MN 55024-7200 Tax Parcel ID Number: 14-16600-140-02 LEGAL DESCRIPTION OF PROPERTY: Lot 14, Block 2, Charleswood Crossing, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $318,461.21 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 ASSIGNEE OF MORTGAGEE: Guidance Residential, LLC Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009418F01 1965833 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 27, 2004 MORTGAGORS: Nathan D. Johnson and Anna M. Johnson, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded August 24, 2004, Dakota County Recorder, Document No. 2241482.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc, Dated: October 8, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100026600064230159 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Freeland Financial Services Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 20558 Camden Path, Farmington, MN 55024 TAX PARCEL I.D.#: 14-74900-080-03 LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 3, Tamarack Ridge, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $245,750.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $235,919.16 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION

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MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 26, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2038 6423015 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966174 11/5-12/10/09

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE:September 29, 2003 MORTGAGOR: C a r r i e L . M c K e e , a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded November 13, 2003, Dakota County Recorder, Document No. 2139943.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc, Dated: November 13, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100103210000035351 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Prime Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 4401-B Clover Lane, Eagan, MN 55122 T A X P A R C E L I . D . # : 10-22750-370-03 LEGAL DESCRIPTION OF PROPERTY: Lot 37, Block 3, Eden Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $153,671.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $147,291.86 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: February 9, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 9, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 4, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2768 8312311 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2006705 12/10/09-1/14/10

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 29, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $172,000.00 MORTGAGOR(S): Colleen Ann Fulghum Koltes and Scott Koltes, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: July 27, 2007 Dakota County Recorder Document Number: 2533566 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100062604745613051 Lender or Broker: Homecomings Financial, LLC fka Homecomings Financial Network, Inc. Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4827 Bisset Ln, Inver Grove Heights, MN 55076-1319 Tax Parcel ID Number: 20-44026-106-08 LEGAL DESCRIPTION OF PROPERTY: Unit #8106 CIC #434 LaFayette Park East AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $176,924.82 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 03, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 04, 2010, or the next business day if August 04, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 08, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 004380F02 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 03, 2009 at 10:00 AM has been postponed to February 04, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 03, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 004380F02 2005077 12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 3 0 ,

DATE OF MORTGAGE: A u g u s t 3 0 , 2004 MORTGAGORS: Ronald S. Baker and Carolyn T. Baker, husband and wife.

MORTGAGEE: ABN AMRO Mortgage Group, Inc. n/k/a CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Recorded September 27, 2004, Dakota County Recorder, Document No. 2252250.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: ABN AMRO Mortgage Group, Inc. n/k/a CitiMortgage, Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 408 Elm Street, Farmington, MN 55024 TAX PARCEL I.D.#: 14-77000-040-24 LEGAL DESCRIPTION OF PROPERTY: Lot Four in Block Twenty-Four, Town of Farmington COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $153,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $150,776.25 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 26, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2510 646320928 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966136 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J a n u a r y 3 1 , 2007 MORTGAGORS: G i l b e r t o Y b a r r a A/K/A Gilbert Ybarra and Estela S. Ybarra, husband and wife.

MORTGAGEE: J P M o r g a n C h a s e Bank, N.A. DATE AND PLACE OF RECORDING: Recorded February 16, 2007, Dakota County Recorder, Document No. 2497323.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: October 20, 2009.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: JPMorgan Chase Bank, N.A. RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 13020 Welcome Lane, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-56600-110-01

TAX PARCEL I.D.#: 02-56600-110-01 LEGAL DESCRIPTION OF PROPERTY: Lot 11, Block 1, Parkwood South 1st Addition, according to the recorded plat thereof, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $232,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $234,608.04 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 28, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7208 1064126624 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966346 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: April 24, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $147,700.00 MORTGAGOR(S): Lisa M. Vavra and Allen C. Vavra, wife and husband MORTGAGEE: Bankers Mortgage Company, LLC DATE AND PLACE OF RECORDING: Recorded: June 04, 2003 Dakota County Recorder Document Number: 2056916 ASSIGNMENTS OF MORTGAGE: And assigned to: TCF Mortgage Corporation, Dated: April 24, 2003, Recorded: June 04, 2003 Dakota County Recorder Document Number: 2056917 And assigned to: Mortgage Electronic Registration Systems, Inc, Dated: May 01, 2006, Recorded: May 10, 2006 Dakota County Recorder Document Number: 2427777 And assigned to: U.S. Bank, N.A., Dated: October 02, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001842333 Lender or Broker: Bankers Mortgage Company, LLC Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 616 2nd St, Farmington, MN 55024-1229 Tax Parcel ID Number: 14-77000-080-05 LEGAL DESCRIPTION OF PROPERTY: Lot 8, and the South 15 feet of Lot 7, Block 5, Town of Farmington, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $109,741.30 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: Decem-

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������� �������� S��� ���� REP DATE AND������ TIME OF ������ SALE: Decem THE MORTGAGOR PERSONAL ber 17, 2009 at 10:00 AM RESENTATIVES OR ASSIGNS, MAY BE PLACE OF SALE: Dakota County REDUCED TO FIVE WEEKS IF A JUDILaw Enforcement Center, 1580 High- CIAL ORDER IS ENTERED UNDER way 55, Lobby S-100, Hastings, Minne- MINNESOTA STATUTES, SECTION sota 582.032, DETERMINING, AMONG to pay the debt secured by said mort- OTHER THINGS, THAT THE MORTgage and taxes, if any, on said pre- GAGED PREMISES ARE IMPROVED mises and the costs and disburse- WITH A RESIDENTIAL DWELLING OF ments, including attorney fees allowed LESS THAN FIVE UNITS, ARE NOT by law, subject to redemption within PROPERTY USED IN AGRICULTURAL six (6) months from the date of said PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 sale by the mortgagor(s), their perMORTGAGEE: U.S. Bank sonal representatives or assigns.

National Association ND If the Mortgage is not reinstated under Minn. Stat. §580.30 or the prop- Wilford & Geske, P.A. erty is not redeemed under Minn. Stat. Attorneys for Mortgagee §580.23, the Mortgagor must vacate Lawrence A. Wilford the property on or before 11:59 p.m. on James A. Geske June 17, 2010, or the next business 8425 Seasons Parkway, Suite 105 day if June 17, 2010 falls on a Satur- Woodbury, MN 55125-4393 (651) 209-3300 day, Sunday or legal holiday.

Mortgagor(s) released from financial File Number: 009199F01 1965883 11/5-12/10/09 obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY NOTICE OF INFORMATION OBTAINED WILL BE MORTGAGE FORECLOSURE SALE USED FOR THAT PURPOSE. NOTICE IS HEREBY GIVEN that THE RIGHT TO VERIFICATION OF default has occurred in the conditions THE DEBT AND IDENTITY OF THE of the following described mortgage: ORIGINAL CREDITOR WITHIN THE DATE OF MORTGAGE: May 03, 2008 TIME PROVIDED BY LAW IS NOT ORIGINAL PRINCIPAL AMOUNT OF AFFECTED BY THIS ACTION. MORTGAGE: $217,208.00 THE TIME ALLOWED BY LAW FOR MORTGAGOR(S): Thomas Murray REDEMPTION BY THE MORTGAGOR, and Annmarie Murray, husband and THE MORTGAGOR'S PERSONAL REPwife RESENTATIVES OR ASSIGNS, MAY BE MORTGAGEE: Mortgage Electronic REDUCED TO FIVE WEEKS IF A JUDIRegistration Systems, Inc. CIAL ORDER IS ENTERED UNDER DATE AND PLACE OF REGISTERMINNESOTA STATUTES, SECTION ING: 582.032, DETERMINING, AMONG Registered: May 09, 2008 Dakota OTHER THINGS, THAT THE MORTCounty Registrar of Titles GAGED PREMISES ARE IMPROVED Document Number: T627729 WITH A RESIDENTIAL DWELLING OF ASSIGNMENTS OF MORTGAGE: LESS THAN FIVE UNITS, ARE NOT And assigned to: BAC Home Loans PROPERTY USED IN AGRICULTURAL Servicing, L.P. PRODUCTION, AND ARE ABANDONED. Dated: December 01, 2009 DATED: November 05, 2009 Transaction Agent: Mortgage ElecASSIGNEE OF MORTGAGEE: tronic Registration Systems, Inc. U.S. Bank, N.A. Transaction Agent Mortgage IdentifiWilford & Geske, P.A. cation Number: 100281210761431256 Attorneys for Assignee of Mortgagee Lender or Broker: Platinum Lending Lawrence A. Wilford Corporation James A. Geske Residential Mortgage Servicer: BAC 8425 Seasons Parkway, Suite 105 Home Loans Servicing, L.P. Woodbury, MN 55125-4393 Mortgage Originator: Not Applicable (651) 209-3300 CERTIFICATE OF TITLE NUMBER: File Number: 005360F01 130247 1965980 11/5-12/10/09 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 5801 143rd St W, Apple Valley, MN 55124-8093 NOTICE OF MORTGAGE Tax Parcel ID Number: FORECLOSURE SALE N O T I C E I S H E R E B Y G I V E N t h a t 01-66700-190-05 LEGAL DESCRIPTION OF PROPdefault has occurred in the conditions ERTY: Lot Nineteen (19), Block Five (5) of the following described mortgage: DATE OF MORTGAGE: February 21, in Scottsbriar 1st, Dakota County, Minnesota.

2007 AMOUNT DUE AND CLAIMED TO BE ORIGINAL PRINCIPAL AMOUNT OF DUE AS OF DATE OF NOTICE: MORTGAGE: $182,000.00 M O R T G A G O R ( S ) : M a t t h e w R $226,828.19 THAT all pre-foreclosure requireKachman, single MORTGAGEE: U.S. Bank National ments have been complied with; that no action or proceeding has been instiAssociation ND DATE AND PLACE OF RECORDING: tuted at law or otherwise to recover the Recorded: March 22, 2007 Dakota debt secured by said mortgage, or any County Recorder, Document Number: part thereof; that this is registered property; 2504474 PURSUANT to the power of sale conTransaction Agent: Not Applicable Transaction Agent Mortgage Identifi- t a i n e d i n s a i d m o r t g a g e , t h e above-described property will be sold cation Number: Not Applicable Lender or Broker: U.S. Bank National by the Sheriff of said county as follows: Association ND DATE AND TIME OF SALE: January Residential Mortgage Servicer: U.S. 28, 2010 at 10:00 AM Bank Consumer Finance PLACE OF SALE: Dakota County Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, MinneLOCATED: Dakota Property Address: 20732 Hampshire sota to pay the debt secured by said mortCir, Lakeville, MN 55044-4667 T a x P a r c e l I D N u m b e r : gage and taxes, if any, on said premises and the costs and disburse22-82052-180-02 L E G A L D E S C R I P T I O N O F P R O P - ments, including attorney fees allowed ERTY: Lot 18, Block 2, Village Creek by law, subject to redemption within 3rd Addition, CIC No. 327, Dakota six (6) months from the date of said sale by the mortgagor(s), their perCounty, Minnesota AMOUNT DUE AND CLAIMED TO BE sonal representatives or assigns.

DUE AS OF DATE OF NOTICE: If the Mortgage is not reinstated $189,718.08 under Minn. Stat. §580.30 or the propTHAT all pre-foreclosure require- erty is not redeemed under Minn. Stat. ments have been complied with; that §580.23, the Mortgagor must vacate no action or proceeding has been insti- the property on or before 11:59 p.m. on tuted at law or otherwise to recover the July 28, 2010, or the next business day debt secured by said mortgage, or any if July 28, 2010 falls on a Saturday, part thereof; Sunday or legal holiday.

PURSUANT to the power of sale conMortgagor(s) released from financial t a i n e d i n s a i d m o r t g a g e , t h e obligation: NONE above-described property will be sold THIS COMMUNICATION IS FROM by the Sheriff of said county as fol- A DEBT COLLECTOR ATTEMPTlows: ING TO COLLECT A DEBT. ANY DATE AND TIME OF SALE: Decem- INFORMATION OBTAINED WILL BE ber 17, 2009 at 10:00 AM USED FOR THAT PURPOSE. PLACE OF SALE: Dakota County THE RIGHT TO VERIFICATION OF Law Enforcement Center, 1580 High- THE DEBT AND IDENTITY OF THE way 55, Lobby S-100, Hastings, Minne- ORIGINAL CREDITOR WITHIN THE sota TIME PROVIDED BY LAW IS NOT to pay the debt secured by said mort- AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR gage and taxes, if any, on said premises and the costs and disburse- REDEMPTION BY THE MORTGAGOR, ments, including attorney fees allowed THE MORTGAGOR'S PERSONAL REPby law, subject to redemption within RESENTATIVES OR ASSIGNS, MAY BE six (6) months from the date of said REDUCED TO FIVE WEEKS IF A JUDIsale by the mortgagor(s), their per- CIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION sonal representatives or assigns.

If the Mortgage is not reinstated 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G under Minn. Stat. §580.30 or the prop- OTHER THINGS, THAT THE MORTerty is not redeemed under Minn. Stat. GAGED PREMISES ARE IMPROVED §580.23, the Mortgagor must vacate WITH A RESIDENTIAL DWELLING OF the property on or before 11:59 p.m. on LESS THAN FIVE UNITS, ARE NOT June 17, 2010, or the next business PROPERTY USED IN AGRICULTURAL day if June 17, 2010 falls on a Satur- PRODUCTION, AND ARE ABANDONED. DATED: December 10, 2009 day, Sunday or legal holiday.

ASSIGNEE OF MORTGAGEE: Mortgagor(s) released from financial BAC Home Loans Servicing, L.P. obligation: NONE THIS COMMUNICATION IS FROM Wilford & Geske, P.A. A DEBT COLLECTOR ATTEMPT- Attorneys for Assignee of Mortgagee ING TO COLLECT A DEBT. ANY Lawrence A. Wilford INFORMATION OBTAINED WILL BE James A. Geske 8425 Seasons Parkway, Suite 105 USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF Woodbury, MN 55125-4393 THE DEBT AND IDENTITY OF THE (651) 209-3300 ORIGINAL CREDITOR WITHIN THE File Number: 010685F01 12/10/09-1/14/10 T I M E P R O V I D E D B Y L A W I S N O T 2005613 AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REP- ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� ��� ���� ������ ������ ������� gage, Inc. DATE AND PLACE OF RECORDING: ���������� ���� ���������

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE:A u g u s t 2 8 , 2003 MORTGAGORS:Brynn D. Rogers and Sherry Good, both single.

MORTGAGEE:Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded October 15, 2003, Dakota County Recorder, Document No. 2124851.

ASSIGNMENTS OF MORTGAGE: Assigned to: JPMorgan Chase Bank, National Association, Dated: November 23, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100139104915393377 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Residential Mortgage Group, Inc. RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 11114 Zebulon Pike Avenue, Burnsville, MN 55337 T A X P A R C E L I . D . # : 02-64102-050-06 LEGAL DESCRIPTION OF PROPERTY: Lot 5, Block 6, River Hills Third Addition COUNTY IN WHICH PROPERTY IS LOCATED:Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE:$203,920.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE:$187,185.05 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 4, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 4, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 25, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weinigarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2627 0613522804 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2006953 12/10/09-1/14/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 2 5 , 2003 MORTGAGOR: G l e n d a L o r r a i n e McCalister, a single person.

MORTGAGEE: A B N A M R O M O R T GAGE GROUP, INC. N/K/A CitiMortgage, Inc.

Registered August 19, 2003, Dakota County Registrar of Titles, Document No. 0510829, Certificate of Title No. 103570.

ASSIGNMENTS OF MORTGAGE: NONE Said Mortgage being Registered Land.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: ABN AMRO MORTGAGE GROUP, INC. N/K/A CitiMortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 3206 Marice Court, Eagan, MN 55121 TAX PARCEL I.D.#: 10-20960-040-04 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 4, Donnywood. Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $137,200.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE:$126,992.44 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 26, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2441 638056818 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966147 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: June 8, 2007 MORTGAGORS: Hiep T. Nguyen and Oanh T. Nguyen, husband and wife.

MORTGAGEE: National City Mortgage a division of National City Bank.

DATE AND PLACE OF RECORDING: Recorded June 15, 2007, Dakota County Recorder, Document No. 2524511; as Corrected by Corrective Mortgage, Recorded: September 10, 2007, Document NO.2542947.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: National City Mortgage a division of National City Bank RESIDENTIAL MORTGAGE SERVICER: National City Real Estate Services LLC MORTGAGED PROPERTY ADDRESS: 14901 Crystal Lake Road West, Burnsville, MN 55306 TAX PARCEL I.D.#: 02-53715-270-01 LEGAL DESCRIPTION OF PROPERTY:

ERTY: Lot 27, Block 1, Oak Ridge, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $292,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $275,772.33 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 12, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 12, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 28, 2009.

National City Bank Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 4-1850 0005578689 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966123 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J a n u a r y 2 7 , 2006 MORTGAGORS: Richard W. Lee and Virginia Lee, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded April 20, 2006, Dakota County Recorder, Document No. 2421750.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: October 19, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100285700000166024 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Winstar Mortgage Partners, Inc. dba Partner Loan Services RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 629 Evergreen Drive, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-84810-015-01 LEGAL DESCRIPTION OF PROPERTY: Lot 15, Block 1, Wood Park Plat Eleven COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $135,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $138,148.99 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January

DATE AND TIME OF SALE: January 5, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

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

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

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7263 1915300459 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966377 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 2 9 , 2007 MORTGAGORS: E r v i n A . K o o i s t r a and Carol M. Kooistra, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered August 8, 2007, Dakota County Registrar of Titles, Document No. 615273, Certificate of Title No. 143154.

ASSIGNMENTS OF MORTGAGE: Assigned to: Aurora Loan Services, LLC, Dated: October 19, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100062604742953427 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Homecomings Financial, LLC f/k/a Homecomings Financial Network, Inc. RESIDENTIAL MORTGAGE SERVICER: Aurora Loan Services LLC MORTGAGED PROPERTY ADDRESS: 13121 Longview Drive, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-31101-110-02 LEGAL DESCRIPTION OF PROPERTY: Lot 11, Block 2, in Grosse Pointe Second Addition, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $403,200.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $445,959.08 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law,

ing, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 23, 2009.

Aurora Loan Services LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 98-930 0021438809 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 196663 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 2 3 , 2009 MORTGAGOR: Gillian M. Pearson, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered April 3, 2009, Dakota County Registrar of Titles, Document No. T641665, Certificate of Title No. 146489.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: October 19, 2009 Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100103210000482496 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: The Business Bank, dba Prime Mortgage RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 652 West 35th Street, Hastings, MN 55033 TAX PARCEL I.D.#: 19-71025-110-01 LEGAL DESCRIPTION OF PROPERTY: Lot Eleven (11), Block One (1), South Oaks of Hastings COUNTY IN WHICH PROPERTY IS LOCATED:Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE:$173,463.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $179,202.36 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT

LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 21, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7279 1771820101 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966363 11/5-12/10/09

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J a n u a r y 2 7 , 2005 MORTGAGORS: H a y l e y W h i t e a n d Kevin White, wife and husband.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Registered April 29, 2005, Dakota County Registrar of Titles, Document No. 564296, Certificate of Title No. 136011.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: October 9, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100053030007060461 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Aegis Wholesale Corporation RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 13349 Court Place, Burnsville, MN 55337 T A X P A R C E L I . D . # : 02-40600-010-15 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 15, Judicial Knolls.

Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $162,920.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $160,332.68 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 4, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 4, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 2, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2526 2002456803 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2006772 12/10/09-1/14/10

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PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 02, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $297,520.00 MORTGAGOR(S): Galen Tucker, a married person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: August 04, 2004 Dakota County Recorder Document Number: 2233833 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 10010320000068576 Lender or Broker: Prime Mortgage Corporation Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 17764 Hickory Trl, Lakeville, MN 55044-6606 Tax Parcel ID Number: 22-88507-040-03 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 3, Zweber Farm Eighth, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $303,463.68 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 28, 2010, or the next business day if July 28, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 10, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010566F01 2005149 12/10/09-1/14/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE:M a r c h 1 4 , 2006 MORTGAGORS:Dedi Ekasa and Dian Wisdianawati, HUSBAND AND WIFE. MORTGAGEE:Chase Bank USA, N.A. DATE AND PLACE OF RECORDING: Recorded July 24, 2006, Dakota County Recorder, Document No. 2447806.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank National Association, as Trustee for J.P. Morgan Mortgage Acquisition Trust 2006-CH2, Asset Backed Pass-Through Certificates, Series 2006-CH2, Dated: September 28, 2009, Recorded: October 7, 2009, Document No. 2688960.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORT-

LENDER OR BROKER AND MORT GAGE ORIGINATOR STATED ON MORTGAGE: Chase Bank USA, N.A. RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance, LLC MORTGAGED PROPERTY ADDRESS: 14724 Hayes Road, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-16301-010-01 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 1, Carrollton Estates 2nd Addition. Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $216,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $222,639.54 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 28, 2009.

U.S. Bank National Association, Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 75-3779 22681167 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966825 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 22, 2005 MORTGAGORS: Michael R. Erickson and Heidi J. Erickson, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded May 3, 2005, Dakota County Recorder, Document No. 2318703.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: September 28, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100061905111000026 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Summit Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 5253 180th Street, Farmington, MN 55024 TAX PARCEL I.D.#: 14-19500-030-09 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 9, Dakota County Estates. Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $178,400.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $176,275.29 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as

plied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 22, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 22, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 22, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2505 550136189 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1965571 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE 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 23, 2007 MORTGAGORS: Errol M. Fisher and Sherry A. Fisher, both single.

MORTGAGEE: Option One Mortgage Corporation.

DATE AND PLACE OF RECORDING: Recorded May 9, 2007, Dakota County Recorder, Document No. 2515432.

ASSIGNMENTS OF MORTGAGE: Assigned to: Wells Fargo Bank, N.A. as Trustee for Option One Mortgage Loan Trust 2007-6 Asset-Backed Certificates, Series 2007-6, Dated: October 10, 2008, Recorded: October 17, 2008, Document No. 2618400.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Option One Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: American Home Mortgage Servicing, Inc MORTGAGED PROPERTY ADDRESS: 412 1st Street, Farmington, MN 55024 TAX PARCEL I.D.#: 14-77000-060-13 LEGAL DESCRIPTION OF PROPERTY: The North 50 feet of Lots 4, 5, and 6, Block 13, Town of Farmington, Dakota County, MN., according to the recorded plat thereof.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $125,992.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $138,583.19 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 12, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their

said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 12, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 28, 2009.

Wells Fargo Bank, N.A., as Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 40-2424 0023086432 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966842 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: S e p t e m b e r 29, 2006 MORTGAGOR: Irene K. Njongwa, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered October 31, 2006, Dakota County Registrar of Titles, Document No. 600452, Certificate of Title No. 112414.

ASSIGNMENTS OF MORTGAGE: Assigned to: Deutsche Bank National Trust Company, as Trustee under NovaStar Mortgage Funding Trust, Series 2006-5, Dated: September 22, 2008, Recorded: November 26, 2008, Document No. T636064.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100080190060243755 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: NovaStar Mortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: Saxon Mortgage Services, Inc. MORTGAGED PROPERTY ADDRESS: 13420 Commonwealth Drive, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-31103-210-01 LEGAL DESCRIPTION OF PROPERTY: Lot 21, Block 1, in Grosse Pointe Fourth Addition, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $228,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $276,895.97 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None

���

GAGE: None ������ ������ ������� �������� ��� ���� "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, NOTICE OF THE MORTGAGOR'S PERSONAL REPMORTGAGE FORECLOSURE SALE RESENTATIVES OR ASSIGNS, MAY BE NOTICE IS HEREBY GIVEN that REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER default has occurred in the conditions of the following described mortgage: MINNESOTA STATUTES, SECTION DATE OF MORTGAGE: October 03, 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORT- 2006 ORIGINAL PRINCIPAL AMOUNT OF GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF MORTGAGE: $189,090.00 MORTGAGOR(S): Seth A. Weise, an LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL unmarried man MORTGAGEE: Mortgage Electronic P R O D U C T I O N , A N D A R E Registration Systems, Inc. ABANDONED." DATE AND PLACE OF RECORDING: Dated: October 30, 2009.

Recorded: October 31, 2006 Dakota Deutsche Bank National Trust County Recorder Company, as trustee Document Number: 2472456 Mortgagee/Assignee of Mortgagee ASSIGNMENTS OF MORTGAGE: USSET, WEINGARDEN AND LIEBO, P.L.L.P. And assigned to: Nationstar MortBy: Paul A. Weingarden Attorneys for Mortgagee/Assignee of gage, LLC Dated: November 05, 2009 Mortgagee Transaction Agent: Mortgage Elec4500 Park Glen Road #300 tronic Registration Systems, Inc. Minneapolis, MN 55416 Transaction Agent Mortgage Identifi(952) 925-6888 cation Number: 100015901074408204 84-414 Lender or Broker: CTX Mortgage 2000399032 THIS IS A COMMUNICATION FROM Company, LLC Residential Mortgage Servicer: A DEBT COLLECTOR. 1966878 11/5-12/10/09 Nationstar Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota NOTICE OF Property Address: 1925 Sierra Dr, MORTGAGE FORECLOSURE SALE Hastings, MN 55033-4073 NOTICE IS HEREBY GIVEN that Tax Parcel ID Number: default has occurred in the conditions 19-58600-502-11 of the following described mortgage: LEGAL DESCRIPTION OF PROPDATE OF MORTGAGE: November 18, ERTY: Unit 1502, Common Interest 2005 Community Number 511, a condoORIGINAL PRINCIPAL AMOUNT OF minium, Prairie Ridge, Dakota County, MORTGAGE: $101,520.00 Minnesota.

MORTGAGOR(S): Farzad Freshtekhu, AMOUNT DUE AND CLAIMED TO BE an unmarried person DUE AS OF DATE OF NOTICE: MORTGAGEE: Mortgage Electronic $189,975.26 Registration Systems, Inc. THAT all pre-foreclosure requireDATE AND PLACE OF RECORDING: ments have been complied with; that R e c o r d e d : D e c e m b e r 2 2 , 2 0 0 5 no action or proceeding has been instiDakota County Recorder tuted at law or otherwise to recover the Document Number: 2391257 debt secured by said mortgage, or any A N D C O R R E C T I V E M O R T G A G E part thereof; RECORDING: May 23, 2006 Dakota PURSUANT to the power of sale conCounty Recorder tained in said mortgage, the Document Number: 2431919 above-described property will be sold Transaction Agent: Mortgage Elec- by the Sheriff of said county as foltronic Registration Systems, Inc. lows: Transaction Agent Mortgage IdentifiDATE AND TIME OF SALE: January cation Number: 100016500005443147 25, 2010 at 10:00 AM Lender or Broker: GN Mortgage, LLC PLACE OF SALE: Dakota County R e s i d e n t i a l M o r t g a g e S e r v i c e r : Law Enforcement Center, 1580 HighAurora Loan Services, LLC way 55, Lobby S-100, Hastings, MinneMortgage Originator: Not Applicable sota COUNTY IN WHICH PROPERTY IS to pay the debt secured by said mortLOCATED: Dakota gage and taxes, if any, on said preProperty Address: 4110 Rahn Rd Apt mises and the costs and disburse208A, Eagan, MN 55122-2182 ments, including attorney fees allowed T a x P a r c e l I D N u m b e r : by law, subject to redemption within 10-22470-208-02 six (6) months from the date of said L E G A L D E S C R I P T I O N O F P R O P - sale by the mortgagor(s), their perERTY: Unit No. A208, CIC No. 468, sonal representatives or assigns.

Eagan Gardens, Dakota County, MinIf the Mortgage is not reinstated nesota. under Minn. Stat. §580.30 or the propAMOUNT DUE AND CLAIMED TO BE erty is not redeemed under Minn. Stat.

D U E A S O F D A T E O F N O T I C E : §580.23, the Mortgagor must vacate $104,825.97 the property on or before 11:59 p.m. on THAT all pre-foreclosure require- July 25, 2010, or the next business day ments have been complied with; that if July 25, 2010 falls on a Saturday, no action or proceeding has been insti- Sunday or legal holiday. tuted at law or otherwise to recover the Mortgagor(s) released from financial debt secured by said mortgage, or any obligation: NONE part thereof; THIS COMMUNICATION IS FROM PURSUANT to the power of sale con- A DEBT COLLECTOR ATTEMPTt a i n e d i n s a i d m o r t g a g e , t h e ING TO COLLECT A DEBT. ANY above-described property will be sold INFORMATION OBTAINED WILL BE by the Sheriff of said county as fol- USED FOR THAT PURPOSE. lows: THE RIGHT TO VERIFICATION OF DATE AND TIME OF SALE: January THE DEBT AND IDENTITY OF THE 28, 2010 at 10:00 AM ORIGINAL CREDITOR WITHIN THE PLACE OF SALE: Dakota County T I M E P R O V I D E D B Y L A W I S N O T Law Enforcement Center, 1580 High- AFFECTED BY THIS ACTION. way 55, Lobby S-100, Hastings, MinneTHE TIME ALLOWED BY LAW FOR sota REDEMPTION BY THE MORTGAGOR, to pay the debt secured by said mort- THE MORTGAGOR'S PERSONAL REPgage and taxes, if any, on said pre- RESENTATIVES OR ASSIGNS, MAY BE mises and the costs and disburse- REDUCED TO FIVE WEEKS IF A JUDIments, including attorney fees allowed CIAL ORDER IS ENTERED UNDER by law, subject to redemption within MINNESOTA STATUTES, SECTION six (6) months from the date of said 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G sale by the mortgagor(s), their per- OTHER THINGS, THAT THE MORTsonal representatives or assigns.

GAGED PREMISES ARE IMPROVED If the Mortgage is not reinstated WITH A RESIDENTIAL DWELLING OF under Minn. Stat. §580.30 or the prop- LESS THAN FIVE UNITS, ARE NOT erty is not redeemed under Minn. Stat. PROPERTY USED IN AGRICULTURAL §580.23, the Mortgagor must vacate PRODUCTION, AND ARE ABANDONED. the property on or before 11:59 p.m. on DATED: December 10, 2009 July 28, 2010, or the next business day ASSIGNEE OF MORTGAGEE: if July 28, 2010 falls on a Saturday, Nationstar Mortgage, LLC Sunday or legal holiday.

Wilford & Geske, P.A. Mortgagor(s) released from financial Attorneys for Assignee of Mortgagee obligation: NONE Lawrence A. Wilford THIS COMMUNICATION IS FROM James A. Geske A DEBT COLLECTOR ATTEMPT- 8425 Seasons Parkway, Suite 105 ING TO COLLECT A DEBT. ANY Woodbury, MN 55125-4393 INFORMATION OBTAINED WILL BE (651) 209-3300 USED FOR THAT PURPOSE. File Number: 010445F01 THE RIGHT TO VERIFICATION OF 2007276 12/10/09-1/14/10 THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT NOTICE OF MORTGAGE AFFECTED BY THIS ACTION. FORECLOSURE SALE THE TIME ALLOWED BY LAW FOR N O T ICE IS HEREBY GIVEN that REDEMPTION BY THE MORTGAGOR, default has occurred in the conditions THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE of the following described mortgage: DATE OF MORTGAGE: October 27, REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER 2004 ORIGINAL PRINCIPAL AMOUNT OF MINNESOTA STATUTES, SECTION 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G MORTGAGE: $350,000.00 MORTGAGOR(S): Glenn L. Hofer and OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED MaryLou Hofer, husband and wife MORTGAGEE: Mortgage Electronic WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT Registration Systems, Inc. DATE AND PLACE OF RECORDING: PROPERTY USED IN AGRICULTURAL Recorded: November 19, 2004 Dakota PRODUCTION, AND ARE ABANDONED. County Recorder Document Number: DATED: December 10, 2009 2269295 MORTGAGEE: ASSIGNMENTS OF MORTGAGE: And Mortgage Electronic assigned to: Suntrust Mortgage, Inc., Registration Systems, Inc. Dated: October 28, 2009 Wilford & Geske, P.A. Transaction Agent: Mortgage ElecAttorneys for Mortgagee tronic Registration Systems, Inc. Lawrence A. Wilford Transaction Agent Mortgage IdentifiJames A. Geske cation Number: 100103210000079912 8425 Seasons Parkway, Suite 105 Lender or Broker: Prime Mortgage Woodbury, MN 55125-4393 Corporation Residential Mortgage Ser(651) 209-3300

PUBLIC NOTICE

PUBLIC NOTICE

PUBLIC NOTICE

File Number: 010562F01 2005119 12/10/09-1/14/10

���������� �� ���� �����

��� �������� ��� ���� ������ ������ ������� thereof; PURSUANT to the power of sale con���������� ���� ��������� Corporation Residential Mortgage Ser vicer: SunTrust Mortgage, Inc. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 16602 Hearthside Way, Lakeville, MN 55044-4207 Tax Parcel ID Number: 22-75100-040-05 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 5, Tarry Creek, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $327,358.26 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 17, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 ASSIGNEE OF MORTGAGEE: Suntrust Mortgage, Inc. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009688F01 1965812 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 1 5 , 2008 MORTGAGORS: Kurt D. Peton and Lauren L. Lightner-Peton, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded August 20, 2008, Dakota County Recorder, Document No. 2609129.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: October 20, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100026900141072669 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Bell America Mortgage LLC DBA Bell Mortgage RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 716 Caribou Lane, Eagan, MN 55123 TAX PARCEL I.D.#: 10-25801-100-05 LEGAL DESCRIPTION OF PROPERTY: Lot 10, Block 5, Fawn Ridge 2nd Addition. Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $266,050.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $281,575.76 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof;

tained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 12, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 12, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 29, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2598 2005656193 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966787 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 3 0 , 2007 MORTGAGORS: Patricia Antwi and Patience Senkyire, both single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded April 19, 2007, Dakota County Recorder, Document No. 2510869.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc, Dated: October 13, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100053030011320927 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Aegis Wholesale Corporation RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 18234 Kerrville Trail #104, Lakeville, MN 55044 TAX PARCEL I.D.#: 22-58500-104-20 LEGAL DESCRIPTION OF PROPERTY: Unit 104, Prairie Lake Lodges, Common Interest Community Number 372 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $195,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $209,317.96 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mort-

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 July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 26, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2465 2004300643 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1965534 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 04, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $188,000.00 MORTGAGOR(S): Lucy Nelson, and Dennis Nelson, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: January 12, 2007 Dakota County Recorder, Document Number: 2487774 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association, as Trustee of Mastr Adjustable Rate Mortgages Trust 2006-OA2 Dated: May 08, 2008, Recorded: May 13, 2008 Dakota County Recorder, Document Number: 2589783 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100133700016976469 Lender or Broker: Countrywide Bank, N.A. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 912 Oakdale Ave, West Saint Paul, MN 55118-1537 Tax Parcel ID Number: 42-43300-140-01 LEGAL DESCRIPTION OF PROPERTY: Lot 12, 13 and 14, Block 1, except the East 40 feet thereof and except the South 10 feet of Lot 14, Block 1, Krey and Stoven's Addition to St. Paul, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $232,495.58 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL

PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association, as Trustee of Mastr Adjustable Rate Mortgages Trust 2006-OA2 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007427F01 1966586 11/5-12/10/09

PUBLIC NOTICE NOTICE OF ASSESSMENT LIEN

FORECLOSURE SALE Date: November 17, 2009 YOU ARE NOTIFIED THAT: 1. Default has occurred in the terms and conditions of the Second Amended Declaration for Cobblestone Manor Association, Inc. (hereinafter the "Association") which was recorded as Document No. 549349 on October 5, 2004, in the Office of the Registrar of Titles of Dakota County, and also, pursuant to Minn. Stat. §515B.3-116, covering the following property: LEGAL DESCRIPTION: Lot Eleven (11), Block Two (2) in Cobblestone Manor 2ND Addition, Cobblestone Manor Townhomes, CIC #475, Dakota County, Minnesota STREET ADDRESS: 8714 134th Street W., Apple Valley, MN 55124 TAX PARCEL ID NUMBER: 01-18076-110-02 2. Pursuant to said Declaration, there is claimed to be due and owing as of November 17, 2009, from Sergey Binkin, title holder, to the Association, a Minnesota non-profit corporation, the amount of $1,819.00 for unpaid association dues, late fees, attorneys fees and costs, plus any other such amounts that will accrue after November 17, 2009, and other costs of collection and foreclosure which will be added to the amount claimed due and owing at the time of the sale herein.

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

4. That all preforeclosure requirements have been met.

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

6. The Declaration, referenced above, and Minn. Stat. §§515B.3-115 and 515B.3-116 provide for a continuing lien against the property. A Notice of Lien evidencing the amount due was recorded on July 27, 2009, as Document No. T648072 in the Dakota County Registrar of Titles' Office.

7. Pursuant to the power of sale contained in the same Declaration and granted by the owner in taking title to the premises subject to said Declaration and pursuant to Minn. Stat. §§515B.3-115 and 515B.3-116, said Lien will be foreclosed by the sale of said property by the Sheriff of Dakota County, at the Dakota County Sheriffs Office, Dakota County Law Enforcement Center, 1580 Highway 55 Lobby S-100, Hastings, MN 55033, on the 28th day of January, 2010, at 10:00 a.m. at public auction to the highest bidder, to pay the amount then due for said assessments, together with the costs of foreclosure, including attorneys fees as allowed by law.

8. T h e t i m e a l l o w e d b y l a w f o r redemption by the unit owner, his personal representatives or assigns is six (6) months from the date of sale. The date and time to vacate the property is 11:59 p.m. on July 28, 2010, if the account is not reinstated or the owner does not redeem from the foreclosure sale.

REDEMPTION NOTICE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. 9. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. COBBLESTONE MANOR ASSOCIATION, INC. Attorneys for Cobblestone Manor Association, Inc.: THOMSEN NYBECK By: Gretchen S. Schellhas (#195595) 3600 American Blvd. West, Suite 400 Bloomington, Minnesota 55431 (952) 835-7000 (Cobblestone Manor - Binkin/08-7-903D) 2001993 12/10/09-1/14/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 1 5 , 2007 MORTGAGOR: T h e r e s a J . M c C o r mick, a single person.

mick, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded April 11, 2007, Dakota County Recorder, Document No. 2508986.

ASSIGNMENTS OF MORTGAGE: Assigned to: JPMorgan Chase Bank, National Association, Dated: April 3, 2009, Recorded: April 28, 2009, Document No. 2652865.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100039222142515843 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Magnus Financial Corporation RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 109 14th Avenue South, South Saint Paul, MN 55075 TAX PARCEL I.D.#: 36-83900-290-01 LEGAL DESCRIPTION OF PROPERTY: Lot 29, Block 1, Wharton and Miller's Addition to South St. Paul COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $145,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $163,606.56 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 19, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 19, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 9, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2073 5304406332 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1975285 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: April 30, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $292,480.00 MORTGAGOR(S): Thomas R. Heine, a single person and Rachel R. Frandrup, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: May 14, 2007 Dakota County Recorder, Document Number: 2516996 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100062604723618155 Lender or Broker: Homecomings Financial, LLC fka Homecomings Financial Network, Inc. Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 17748 Galery Dr, Lakeville, MN 55044 Tax Parcel ID Number: 22-18601-020-06 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 6, Crossroads

ERTY: Lot 2, Block 6, Crossroads 2nd Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $292,967.15 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 05, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 05, 2010, or the next business day if July 05, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 12, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009799F01 1974443 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 23, 2005 MORTGAGORS: J a m e s P . C a r l s o n and Lorraine Carlson, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded December 12, 2005, Dakota County Recorder, Document No. 2387984.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: October 16, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100021278925444478 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: U.S. Bank, N.A. RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 2232 Liberty Lane, Eagan, MN 55122 TAX PARCEL I.D.#: 10-22427-250-02 LEGAL DESCRIPTION OF PROPERTY: Lot 25, Block 2, Eagan Heights Townhomes 3rd Addition, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $219,518.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $235,957.46 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy

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Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 3, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-467 7892544447 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974786 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: March 30, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $156,800.00 MORTGAGOR(S): Nancy E. Ogrezovich, a married person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: April 05, 2006 Dakota County Recorder, Document Number: 2418089 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100052624198413173 Lender or Broker: Fieldstone Mortgage Company Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 18228 Kerrville Trl # 101, Lakeville, MN 55044-7295 Tax Parcel ID Number: 22-58500-101-20 LEGAL DESCRIPTION OF PROPERTY: Unit No. 101, Prairie Lake Lodges, CIC No. 372, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $170,117.17 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 30, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on June 30, 2010, or the next business day if June 30, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDI-

REDUCED TO FIVE WEEKS IF A JUDI CIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 12, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010023F01 1968968 11/12-12/17/09

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE THE 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: September 24, 2007 MORTGAGOR : BEST 1, INC., a Minnesota corporation Prime Security MORTGAGEE: Bank, a Minnesota banking corporation DATE AND PLACE OF RECORDING: Recorded September 26, 2007, in the office of the County Recorder, as Document No. 2546929, Dakota County, Minnesota.

MORTGAGED PROPERTY A D D R E S S : XXX County Road 11, Burnsville, Minnesota 55337.

TAX PARCEL I.D. NO. 02-020000-010-29 LEGAL DESCRIPTION OF PROPERTY: That part of the East Half of the Northwest Quarter of Section 20, Township 115, Range 20, Dakota County, Minnesota, described as follows: Beginning at a point on the East line of said East Half, 926.17 feet South of the Northeast corner thereof; thence South on said East line (said bearing assumed) 406.38 feet; thence West 240.00 feet; thence North 319.22 feed; thence North 70 degrees 02 minutes 20 seconds East, 255.33 feet to the point of beginning. Except that part taken by the State of Minnesota for highway purposes in Partial Final Certificate filed as Document Number 649000 and as corrected by Deed filed as Document No. 677893. Together with an easement for ingress and eg re ss as c o n t a i n e d i n D o c u m e n t Numbers 588943 and 2141315, all in and for Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $385,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID

BY MORTGAGEE: $380,679.99 INTEREST RATE AND PER DIEM: Current interest rate is 7.30%, with a daily per diem of $74.8087.

That prior to commencement of this mortgage foreclosure proceeding Mortgagee complied with all notice requirements by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 a.m.

PLACE OF SALE: Dakota County Law Enforcement Center, located at 1580 Highway 55, Lobby S100, Hastings, Minnesota 55033, to pay the debt then secured by said Mortgage, taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

DATE AND TIME MORTGAGOR MUST VACATE THE PREMISES: July 21, 2010 at 11:59 p.m.

"THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE (5) WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: December 8, 2009 MESSERLI & KRAMER, P.A. By: /s/ Creig Andreasen Creig Andreasen (Lic. # 0334832) 1400 Fifth Street Towers 100 South Fifth Street Minneapolis, MN 55402 (612) 672-3600 Attorney in Fact for Prime Security Bank IMPORTANT NOTICE This communication is from a debt collector and is an attempt to collect a debt. Any information will be used for that purpose.

2007056 12/10/09-1/14/10

NOTICE PUBLIC NOTICE PUBLIC NOTICE OF MORTGAGE NOTICE OF

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: December 22, 2006 MORTGAGORS: Jeremiah T. Packer and Susan M. Packer, HUSBAND AND WIFE. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded January 11, 2007, Dakota County Recorder, Document No. 2487316.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: September 17, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100199600000141701 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Advisor's Mortgage, LLC RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 3944 76th Way East, Inver Grove Heights, MN 55076 TAX PARCEL I.D.#: 20-53651-050-11 LEGAL DESCRIPTION OF PROPERTY: Lot 5, Block 11, The Oaks Second Addition. Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $162,600.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $162,761.78 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: November 19, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 19, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: September 28, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2314 654791515 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until January 21, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: December 8, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2314 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2007081 12/10/09

MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE:June 24, 2004 MORTGAGORS:Raymond P. Bergdahl and Monica M. Bergdahl, husband and wife.

MORTGAGEE:Beneficial Loan and Thrift Co. DATE AND PLACE OF RECORDING: Registered July 23, 2004, Dakota County Registrar of Titles, Document No. 542918, Certificate of Title No. 116512.

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: Beneficial Loan and Thrift Co. RESIDENTIAL MORTGAGE SERVICER: HSBC Bank USA, N.A. MORTGAGED PROPERTY ADDRESS: 7320 Brittany Lane, Inver Grove Heights, MN 55076 TAX PARCEL I.D. #: 201515231001 LEGAL DESCRIPTION OF PROPERTY: Lot 31, CIC No. 168, Brittany Park 3rd Addition COUNTY IN WHICH PROPERTY IS LOCATED:Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE:$244,233.78 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE:$242,157.08 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 2, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 2, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 4, 2009.

Beneficial Loan and Thrift Co. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 43-388 54461100119087 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2007030 12/10/09-1/14/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: January 12, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $136,083.00 MORTGAGOR(S): Eric J Freeberg and Andrea R. Freeberg, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: January 23, 2007 Dakota County Recorder, Document Number: 2490738 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, L.P., Dated: November 06, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc.

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Way, Apple Valley, MN 55124-6340 If the Mortgage is not reinstated T a x P a r c e l I D N u m b e r : under Minn. Stat. §580.30 or the prop01-81456-340-01 erty is not redeemed under Minn. Stat.

L E G A L D E S C R I P T I O N O F P R O P - §580.23, the Mortgagor must vacate ERTY: Lot 34, Block 1, Valley Way the property on or before 11:59 p.m. on Village 7th Addition, according to the July 07, 2010, or the next business day recorded plat thereof if July 07, 2010 falls on a Saturday, AMOUNT DUE AND CLAIMED TO BE Sunday or legal holiday.

DUE AS OF DATE OF NOTICE: Mortgagor(s) released from financial $142,096.15 obligation: NONE THAT all pre-foreclosure requireTHIS COMMUNICATION IS FROM ments have been complied with; that A DEBT COLLECTOR ATTEMPTno action or proceeding has been insti- ING TO COLLECT A DEBT. ANY tuted at law or otherwise to recover the INFORMATION OBTAINED WILL BE debt secured by said mortgage, or any USED FOR THAT PURPOSE. part thereof; THE RIGHT TO VERIFICATION OF PURSUANT to the power of sale con- THE DEBT AND IDENTITY OF THE t a i n e d i n s a i d m o r t g a g e , t h e ORIGINAL CREDITOR WITHIN THE above-described property will be sold T I M E P R O V I D E D B Y L A W I S N O T by the Sheriff of said county as fol- AFFECTED BY THIS ACTION. lows: THE TIME ALLOWED BY LAW FOR DATE AND TIME OF SALE: January REDEMPTION BY THE MORTGAGOR, 07, 2010 at 10:00 AM THE MORTGAGOR'S PERSONAL REPPLACE OF SALE: Dakota County RESENTATIVES OR ASSIGNS, MAY BE Law Enforcement Center, 1580 High- REDUCED TO FIVE WEEKS IF A JUDIway 55, Lobby S-100, Hastings, Minne- CIAL ORDER IS ENTERED UNDER sota MINNESOTA STATUTES, SECTION to pay the debt secured by said mort- 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G gage and taxes, if any, on said pre- OTHER THINGS, THAT THE MORTmises and the costs and disburse- GAGED PREMISES ARE IMPROVED ments, including attorney fees allowed WITH A RESIDENTIAL DWELLING OF by law, subject to redemption within LESS THAN FIVE UNITS, ARE NOT six (6) months from the date of said PROPERTY USED IN AGRICULTURAL sale by the mortgagor(s), their per- PRODUCTION, AND ARE ABANDONED. sonal representatives or assigns.

DATED: November 12, 2009 If the Mortgage is not reinstated MORTGAGEE: Mortgage Electronic Registration Systems, Inc. under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. Wilford & Geske, P.A. §580.23, the Mortgagor must vacate Attorneys for Mortgagee the property on or before 11:59 p.m. on Lawrence A. Wilford July 07, 2010, or the next business day James A. Geske if July 07, 2010 falls on a Saturday, 8425 Seasons Parkway, Suite 105 Sunday or legal holiday.

Woodbury, MN 55125-4393 Mortgagor(s) released from financial (651) 209-3300 obligation: NONE File Number: 009851F01 11/12-12/17/09 THIS COMMUNICATION IS FROM 1969210 A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE NOTICE OF MORTGAGE USED FOR THAT PURPOSE. FORECLOSURE SALE THE RIGHT TO VERIFICATION OF NOTICE IS HEREBY GIVEN that THE DEBT AND IDENTITY OF THE default has occurred in the conditions ORIGINAL CREDITOR WITHIN THE T I M E P R O V I D E D B Y L A W I S N O T of the following described mortgage: DATE OF MORTGAGE: March 25, AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR 2005 ORIGINAL PRINCIPAL AMOUNT OF REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REP- MORTGAGE: $416,500.00 M O R T G A G O R ( S ) : D a v i d J . W h e tRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDI- stone and Nancy R. Whetstone, husCIAL ORDER IS ENTERED UNDER band and wife MORTGAGEE: Mortgage Electronic MINNESOTA STATUTES, SECTION 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G Registration Systems, Inc. DATE AND PLACE OF RECORDING: OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED R e c o r d e d : A p r i l 0 5 , 2 0 0 5 D a k o t a County Recorder, Document Number: WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT 2310329 ASSIGNMENTS OF MORTGAGE: And PROPERTY USED IN AGRICULTURAL assigned to: Bank of New York as PRODUCTION, AND ARE ABANDONED. Trustee for the Certificateholders DATED: November 12, 2009 ASSIGNEE OF MORTGAGEE: BAC CWABS, Inc. Asset-backed Certificates, Series 2005-4, Dated: May 04, 2008, Home Loans Servicing, L.P. Recorded: May 20, 2008 Dakota County Wilford & Geske, P.A. Recorder, Document Number: 2591495 Attorneys for Assignee of Mortgagee Transaction Agent: Mortgage ElecLawrence A. Wilford tronic Registration Systems, Inc. James A. Geske Agent Mortgage IdentifiTransaction 8425 Seasons Parkway, Suite 105 cation Number: 1000269-0300077537-2 Woodbury, MN 55125-4393 Lender or Broker: Bell America (651) 209-3300 Mortgage, LLC dba Bell Mortgage File Number: 010044F01 Residential Mortgage Servicer: BAC 1974529 11/12-12/17/09 Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota NOTICE OF MORTGAGE Property Address: 16624 Jackdaw FORECLOSURE SALE N O T I C E I S H E R E B Y G I V E N t h a t Path, Lakeville, MN 55044-4637 default has occurred in the conditions Tax Parcel ID Number: of the following described mortgage: 22.30950.070.04 LEGAL DESCRIPTION OF PROPDATE OF MORTGAGE: May 13, 2004 ERTY: Lot 7, Block 4, Greenwood ORIGINAL PRINCIPAL AMOUNT OF Estates, According to the recorded MORTGAGE: $207,000.00 plat thereof, in Dakota County, MinMORTGAGOR(S): Darin R. Pederson nesota. and Laina D. Pederson, husband and AMOUNT DUE AND CLAIMED TO BE wife MORTGAGEE: Mortgage Electronic D U E A S O F D A T E O F N O T I C E : Registration Systems, Inc. $509,378.69 THAT all pre-foreclosure requireDATE AND PLACE OF RECORDING: R e c o r d e d : J u n e 2 1 , 2 0 0 4 D a k o t a ments have been complied with; that County Recorder, Document Number: no action or proceeding has been instituted at law or otherwise to recover the 2217657 Transaction Agent: Mortgage Elec- debt secured by said mortgage, or any part thereof; tronic Registration Systems, Inc. PURSUANT to the power of sale conTransaction Agent Mortgage Identifitained in said mortgage, the cation Number: 100103210000062371 Lender or Broker: Prime Mortgage above-described property will be sold by the Sheriff of said county as folCorporation Residential Mortgage Servicer: GMAC lows: DATE AND TIME OF SALE: January Mortgage, LLC 05, 2010 at 10:00 AM Mortgage Originator: Not Applicable PLACE OF SALE: Dakota County COUNTY IN WHICH PROPERTY IS Law Enforcement Center, 1580 HighLOCATED: Dakota Property Address: 643 14th Ave N, way 55, Lobby S-100, Hastings, MinneSouth Saint Paul, MN 55075-1631 sota T a x P a r c e l I D N u m b e r : to pay the debt secured by said mortgage and taxes, if any, on said pre36-70207-050-01 L E G A L D E S C R I P T I O N O F P R O P - mises and the costs and disburseERTY: Lot 5 and the South 1/2 of Lot ments, including attorney fees allowed 4, Block 1, South Park Division No. by law, subject to redemption within 8, Dakota County, Minnesota. six (6) months from the date of said AMOUNT DUE AND CLAIMED TO BE sale by the mortgagor(s), their perD U E A S O F D A T E O F N O T I C E : sonal representatives or assigns. $220,367.68 If the Mortgage is not reinstated THAT all pre-foreclosure require- under Minn. Stat. §580.30 or the propments have been complied with; that erty is not redeemed under Minn. Stat. no action or proceeding has been insti- §580.23, the Mortgagor must vacate tuted at law or otherwise to recover the the property on or before 11:59 p.m. on debt secured by said mortgage, or any July 05, 2010, or the next business day part thereof; if July 05, 2010 falls on a Saturday, PURSUANT to the power of sale con- Sunday or legal holiday. tained in said mortgage, the Mortgagor(s) released from financial above-described property will be sold obligation: NONE by the Sheriff of said county as folTHIS COMMUNICATION IS FROM lows: A DEBT COLLECTOR ATTEMPTDATE AND TIME OF SALE: January ING TO COLLECT A DEBT. ANY 07, 2010 at 10:00 AM INFORMATION OBTAINED WILL BE PLACE OF SALE: Dakota County Law Enforcement Center, 1580 High- ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� ��� ���� ������ ������ �������of Mortgagee Mortgagee/Assignee USSET, WEINGARDEN AND LIEBO, ���������� ���� ��������� INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 12, 2009 ASSIGNEE OF MORTGAGEE: Bank of New York as Trustee for the Certificateholders CWABS, Inc. Asset-backed Certificates, Series 2005-4 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008375F01 1974485 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 27, 2003 MORTGAGOR: Charles Macdonald, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded July 10, 2003, Dakota County Recorder, Document No. 2076266.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: November 3, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100162500054077103 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Mortgages Unlimited, Inc. RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 1382-1384 East Balsam Street, Eagan, MN 55123 TAX PARCEL I.D.#: 10-84354-060-01 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 1, Wilderness Run Fifth Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $281,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $269,181.55 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 19, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 19, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 4, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee

P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6481 1998801994 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1975175 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: April 19, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $139,500.00 MORTGAGOR(S): Kris Tjaden, a married person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: May 08, 2007 Dakota County Recorder, Document Number: 2515120 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100025440003777080 Lender or Broker: Lehman Brothers Federal Bank, FSB Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 16187 Flagstaff Ct S, Rosemount, MN 55068-1263 Tax Parcel ID Number: 225135140001 LEGAL DESCRIPTION OF PROPERTY: Lot 40, Block 1, Niakwa Village 2nd Addition, together with appurtenant easements created pursuant to Declaration, Document # 564890, as amended AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $144,929.39 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: December 03, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on June 03, 2010, or the next business day if June 03, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 15, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009282F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 03, 2009 at 10:00 AM has been postponed to January 07, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 03, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009282F01 2001720 12/10/09

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE:May 31, 2006 MORTGAGOR: K r i s t a M . M o l d e n hauer, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded June 15, 2006, Dakota County Recorder, Document No. 2437934.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc, Dated: November 17, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100371106529944021 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Mortgage & Investment Consultants, Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 4130 Rahn Road B217, Eagan, MN 55122 T A X P A R C E L I . D . # : 10-22470-217-03 LEGAL DESCRIPTION OF PROPERTY: Unit No. B217, CIC No. 468, Eagan Gardens COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $104,680.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $105,323.75 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 4, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 4, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 25, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2775 652994402 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2006685 12/10/09-1/14/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE:April 25, 2008 MORTGAGORS:T a m a r a J . W i n d s chitl and Chad A. Windschitl, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded May 19, 2008, Dakota County Recorder, Document No. 2590979.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: October 20, 2009.

Dated: October 20, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100073000823549035 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Freedom Mortgage Coporation RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 7678 172nd Street West, Lakeville, MN 55044 TAX PARCEL I.D.#: 22-67504-060-03 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 3, Shady Oak Shores 5th Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $258,838.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $262,757.67 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 3, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7320 1962557869 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1975160 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: December 21, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $121,600.00 MORTGAGOR(S): Carlos D. Rocha, married MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: March 16, 2006 Dakota County Recorder, Document Number: 2412855 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100031432005120338 Lender or Broker: First Guaranty Mortgage Corporation Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1268 Timbershore Ln, Eagan, MN 55123-1019 Tax Parcel ID Number: 10-76502-010-08 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 8, Timbershore Third Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $122,945.79 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the

tained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 12, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009916F01 1974218 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 06, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $126,900.00 MORTGAGOR(S): Joseph M. Cortelli, a single man MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 26, 2006 Dakota County Recorder, Document Number: 2471036 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, LP, Dated: September 21, 2009, Recorded: September 23, 2009 Dakota County Recorder, Document Number: 2686029 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1003215-0001160195-1 Lender or Broker: Timberland Mortgage Services, Inc. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4488 Cinnamon Ridge Trl Unit 52, Eagan, MN 55122-2385 Tax Parcel ID Number: 101740019200 LEGAL DESCRIPTION OF PROPERTY: Building G, Unit 52, Cinnamon Ridge, Carriage Homes, a Condominium, Condominium Ownership No. 41 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $129,412.38 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 04, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 04, 2010, or the next business day if July 04, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE

obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, LP Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008645F01 1969260 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 8, 2007 MORTGAGORS: Fredrick Palkar and Mary Palkar, husband and wife.

MORTGAGEE: J P M o r g a n C h a s e Bank, N.A. as successor in interest to Washington Mutual Bank, FA. DATE AND PLACE OF RECORDING: Recorded November 26, 2007, Dakota County Recorder, Document No. 2557627.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Washington Mutual Bank, FA RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 14433 Atwater Way, Rosemount, MN 55068 TAX PARCEL I.D.#: 34-14704-170-01 LEGAL DESCRIPTION OF PROPERTY: Lot 17, Block 1, Bloomfield 5th Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $335,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $356,731.82 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 20, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 20, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 4, 2009.

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JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-1560 3014894426 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974810 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 26, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $328,000.00 MORTGAGOR(S): Brett A Knudson and Susan M Knudson, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: December 13, 2006 Dakota County Recorder, Document Number: 2481471 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association, as Trustee, on behalf of the holders of the Home Equity Asset Trust 2007-3 Home Equity Pass-through Certificates, Series 2007-3, Dated: September 05, 2007, Recorded: September 14, 2007 Dakota County Recorder, Document Number: 2543827 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100200100108032917 Lender or Broker: EquiFirst Corporation Residential Mortgage Servicer: Select Portfolio Servicing Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 14336 Bayberry Trail, Rosemount, MN 55068 Tax Parcel ID Number: 34-14703-100-01 LEGAL DESCRIPTION OF PROPERTY: Lot 10, Block 1, Bloomfield Fourth Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $355,226.44 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 25, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 25, 2010, or the next business day if July 25, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 10, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association, as Trustee, on behalf of the holders of the Home Equity Asset Trust 2007-3 Home Equity Pass-through Certificates, Series 2007-3 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010405F01 2003267 12/10/09-1/14/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 31, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $120,000.00 MORTGAGOR(S): Paul G Chavis and Deborah S Chavis, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 25, 2005 Dakota County Recorder, Document Number: 2374091 ASSIGNMENTS OF MORTGAGE: And assigned to: Suntrust Mortgage, Inc., Dated: November 30, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100010401437714187 Lender or Broker: Suntrust Mortgage, Inc. Residential Mortgage Servicer: SunTrust Mortgage, Inc. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 24055 Hogan Ave, Hampton, MN 55031-9768 Tax Parcel ID Number: 29-30700-050-01 LEGAL DESCRIPTION OF PROPERTY: Lots 4 and 5, Block 1, Gores's Addition to New Trier AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $82,835.45 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 29, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 29, 2010, or the next business day if July 29, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 10, 2009 ASSIGNEE OF MORTGAGEE: Suntrust Mortgage, Inc. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010643F01 1998442 12/10/09-1/14/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 21, 2008 MORTGAGORS: Jeremy J. Johnson and Tinah Jo Johnson, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded May 30, 2008, Dakota County Recorder, Document No. 2593780.

ASSIGNMENTS OF MORTGAGE: Assigned to: BAC Home Loans Servicing L.P. f/k/a Countrywide Home Loans Servicing L.P., Dated: October 5, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100248908040002119 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Rescue Mortgage, Inc.

MORTGAGE: Rescue Mortgage, Inc. dba Mortgage Depot RESIDENTIAL MORTGAGE SERVICER: BAC Home Loans Servicing L.P. MORTGAGED PROPERTY ADDRESS: 1820 Pine Street, Hastings, MN 55033 TAX PARCEL I.D. #: 196330025500 LEGAL DESCRIPTION OF PROPERTY: Lot 255, Replat of Westwood Addition Fourth Section, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $206,369.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $211,559.83 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 2, 2009.

BAC Home Loans Servicing L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-754 184185496 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1973902 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 2 2 , 2004 MORTGAGORS: Carlos D. Rocha and Fabiola V. Rocha, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded November 23, 2004, Dakota County Recorder, Document No. 2270180.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: October 29, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100060677002380376 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Greenacres Mortgage RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 14130 Crocus Way, Rosemount, MN 55068 TAX PARCEL I.D.#: 34-67429-140-02 LEGAL DESCRIPTION OF PROPERTY: Lot 14, Block 2, Shannon Hills 5th Addition.

Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $186,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $117,205.84 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as

plied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 5, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2679 2002350009 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974666 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 30, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $208,000.00 MORTGAGOR(S): Joseph P. Restifo, a married man MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 10, 2006 Dakota County Recorder, Document Number: 2467155 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100177050500024005 Lender or Broker: Cornerstone Mortgage Company Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 13385 Fordham Ave, Apple Valley, MN 55124-7948 Tax Parcel ID Number: 01-31001-170-10 LEGAL DESCRIPTION OF PROPERTY: Lot 17, Block 10, Greenleaf Second Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $229,089.54 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 05, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 05, 2010, or the next business day if July 05, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE

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������ ������ ��� ���� INFORMATION OBTAINED WILL ������� BE By: Paul�������� A. Weingarden USED FOR THAT PURPOSE. Attorneys for Mortgagee/Assignee of THE RIGHT TO VERIFICATION OF Mortgagee THE DEBT AND IDENTITY OF THE 4500 Park Glen Road #300 ORIGINAL CREDITOR WITHIN THE Minneapolis, MN 55416 T I M E P R O V I D E D B Y L A W I S N O T (952) 925-6888 AFFECTED BY THIS ACTION. 10-2635 THE TIME ALLOWED BY LAW FOR 2004828942 REDEMPTION BY THE MORTGAGOR, THIS IS A COMMUNICATION FROM THE MORTGAGOR'S PERSONAL REP- A DEBT COLLECTOR. RESENTATIVES OR ASSIGNS, MAY BE 1974631 11/12-12/17/09 REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION NOTICE OF 582.032, DETERMINING, AMONG MORTGAGE FORECLOSURE SALE OTHER THINGS, THAT THE MORTTHE RIGHT TO VERIFICATION OF GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL 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. PRODUCTION, AND ARE ABANDONED. NOTICE IS HEREBY GIVEN, that DATED: November 12, 2009 M O R T G A G E E : M o r t g a g e E l e c - default has occurred in conditions of the following described mortgage: tronic Registration Systems, Inc. DATE OF MORTGAGE:J a n u a r y 1 9 , Wilford & Geske, P.A. 2007 Attorneys for Mortgagee MORTGAGOR:Heather Moe, a single Lawrence A. Wilford woman.

James A. Geske MORTGAGEE:J P M o r g a n C h a s e 8425 Seasons Parkway, Suite 105 Bank, National Association as succesWoodbury, MN 55125-4393 sor in interest to Washington Mutual (651) 209-3300 Bank, FA. File Number: 009797F01 DATE AND PLACE OF RECORDING: 1974464 11/12-12/17/09 Recorded February 5, 2007, Dakota County Recorder, Document No. 2494132.

NOTICE OF MORTGAGE ASSIGNMENTS OF MORTGAGE: FORECLOSURE SALE Assigned to: Bank of America, THE RIGHT TO VERIFICATION OF National Association as successor by THE DEBT AND IDENTITY OF THE merger to LaSalle Bank NA as trustee ORIGINAL CREDITOR WITHIN THE for WaMu Mortgage Pass-Through CerT I M E P R O V I D E D B Y L A W I S N O T tificates Series 2007-OA2 Trust, Dated: AFFECTED BY THIS ACTION. July 6, 2009, Recorded: July 23, 2009, NOTICE IS HEREBY GIVEN, that Document No. 2673300. default has occurred in conditions of TRANSACTION AGENT: NONE the following described mortgage: TRANSACTION AGENT'S MORTDATE OF MORTGAGE: November 1, GAGE IDENTIFICATION NUMBER ON 2007 MORTGAGE: NONE MORTGAGORS: Justin L. Schreader LENDER OR BROKER AND MORTand Jolene Schreader, husband and G A G E O R I G I N A T O R S T A T E D O N wife.

MORTGAGE: Washington Mutual MORTGAGEE: Mortgage Electronic Bank, FA Registration Systems, Inc..

RESIDENTIAL MORTGAGE SERDATE AND PLACE OF RECORDING: V I C E R : J P M o r g a n C h a s e B a n k , Recorded February 14, 2008, Dakota National Association County Recorder, Document No. MORTGAGED PROPERTY ADDRESS: 2572207.

2378 Rushmore Road, Hastings, MN A S S I G N M E N T S O F M O R T G A G E : 55033 Assigned to: CitiMortgage, Inc., Dated: T A X P A R C E L I . D . # : October 27, 2009.

19-29702-380-03 TRANSACTION AGENT: Mortgage LEGAL DESCRIPTION OF PROPElectronic Registration Systems, Inc. ERTY: TRANSACTION AGENT'S MORTLot 38, Block 3, Common Interest GAGE IDENTIFICATION NUMBER ON Community #567, Glendale Heights MORTGAGE: 100011520048289427 Third LENDER OR BROKER AND MORTCOUNTY IN WHICH PROPERTY IS G A G E O R I G I N A T O R S T A T E D O N LOCATED:Dakota MORTGAGE: CitiMortgage, Inc. ORIGINAL PRINCIPAL AMOUNT OF R E S I D E N T I A L M O R T G A G E S E R - MORTGAGE:$196,492.00 VICER: CitiMortgage, Inc. AMOUNT DUE AND CLAIMED TO BE MORTGAGED PROPERTY ADDRESS: DUE AS OF DATE OF NOTICE, INCLUD16099 Flagstaff Avenue, Lakeville, MN ING TAXES, IF ANY, PAID BY MORT55044 GAGEE:$217,593.18 TAX PARCEL I.D.#: 22-73400-160-01 That prior to the commencement of LEGAL DESCRIPTION OF PROP- this mortgage foreclosure proceeding ERTY: Mortgagee/Assignee of Mortgagee comLot 16, Block 1, Sunrise Village, CIC plied with all notice requirements as No. 586. required by statute; That no action or Dakota County proceeding has been instituted at law COUNTY IN WHICH PROPERTY IS 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 LOCATED: Dakota secured by said mortgage, or any part ORIGINAL PRINCIPAL AMOUNT OF thereof; MORTGAGE: $278,100.00 PURSUANT to the power of sale conAMOUNT DUE AND CLAIMED TO BE tained in said mortgage, the above DUE AS OF DATE OF NOTICE, INCLUD- described property will be sold by the ING TAXES, IF ANY, PAID BY MORT- Sheriff of said county as follows: GAGEE: $296,063.16 DATE AND TIME OF SALE: February That prior to the commencement of 9, 2010 at 10:00 AM this mortgage foreclosure proceeding PLACE OF SALE:Sheriff's Office, Law Mortgagee/Assignee of Mortgagee com- Enforcement Center, 1580 Hwy 55, plied with all notice requirements as Lobby #S-100, Hastings, MN required by statute; That no action or to pay the debt then secured by said proceeding has been instituted at law Mortgage, and taxes, if any, on said o r o t h e r w i s e t o r e c o v e r t h e d e b t premises, and the costs and disbursesecured by said mortgage, or any part 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 thereof; allowed by law subject to redemption PURSUANT to the power of sale con- within six (6) months from the date of tained in said mortgage, the above said sale by the mortgagor(s), their described property will be sold by the personal representatives or assigns Sheriff of said county as follows: unless reduced to Five (5) weeks under DATE AND TIME OF SALE: January MN Stat. §580.07.

14, 2010 at 10:00 AM TIME AND DATE TO VACATE PROPPLACE OF SALE: S h e r i f f ' s O f f i c e , E R T Y : I f t h e r e a l e s t a t e i s a n Law Enforcement Center, 1580 Hwy owner-occupied, single-family dwell55, Lobby #S-100, Hastings, MN ing, unless otherwise provided by law, to pay the debt then secured by said the date on or before which the mortMortgage, and taxes, if any, on said gagor(s) must vacate the property if the premises, and the costs and disburse- mortgage is not reinstated under secm 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 tion 580.30 or the property is not allowed by law subject to redemption redeemed under section 580.23 is within six (6) months from the date of 11:59 p.m. on August 9, 2010. said sale by the mortgagor(s), their MORTGAGOR(S) RELEASED FROM personal representatives or assigns FINANCIAL OBLIGATION ON MORTunless reduced to Five (5) weeks under GAGE:None MN Stat. §580.07.

"THE TIME ALLOWED BY LAW FOR TIME AND DATE TO VACATE PROP- REDEMPTION BY THE MORTGAGOR, E R T Y : I f t h e r e a l e s t a t e i s a n THE MORTGAGOR'S PERSONAL REPowner-occupied, single-family dwell- RESENTATIVES OR ASSIGNS, MAY BE ing, unless otherwise provided by law, REDUCED TO FIVE WEEKS IF A JUDIthe date on or before which the mort- CIAL ORDER IS ENTERED UNDER gagor(s) must vacate the property if the MINNESOTA STATUTES, SECTION mortgage is not reinstated under sec- 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G tion 580.30 or the property is not OTHER THINGS, THAT THE MORTredeemed under section 580.23 is GAGED PREMISES ARE IMPROVED 11:59 p.m. on July 14, 2010.

WITH A RESIDENTIAL DWELLING OF MORTGAGOR(S) RELEASED FROM LESS THAN FIVE UNITS, ARE NOT FINANCIAL OBLIGATION ON MORT- PROPERTY USED IN AGRICULTURAL GAGE: None P R O D U C T I O N , A N D A R E "THE TIME ALLOWED BY LAW FOR ABANDONED." REDEMPTION BY THE MORTGAGOR, Dated: December 1, 2009.

THE MORTGAGOR'S PERSONAL REPBank of America, N.A., as Trustee RESENTATIVES OR ASSIGNS, MAY BE Mortgagee/Assignee of Mortgagee REDUCED TO FIVE WEEKS IF A JUDI- USSET, WEINGARDEN AND LIEBO, P.L.L.P. CIAL ORDER IS ENTERED UNDER By: Paul A. Weingarden MINNESOTA STATUTES, SECTION Attorneys for Mortgagee/Assignee of 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G Mortgagee OTHER THINGS, THAT THE MORT- 4500 Park Glen Road #300 GAGED PREMISES ARE IMPROVED Minneapolis, MN 55416 WITH A RESIDENTIAL DWELLING OF (952) 925-6888 LESS THAN FIVE UNITS, ARE NOT 60-2287 PROPERTY USED IN AGRICULTURAL 3013191915 P R O D U C T I O N , A N D A R E THIS IS A COMMUNICATION FROM A ABANDONED." DEBT COLLECTOR. Dated: October 30, 2009.

2006971 12/10/09-1/14/10 CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden

PUBLIC NOTICE

PUBLIC NOTICE

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��� �������� ��� ���� ������DATE ������ ������� OF RECORDING: AND PLACE Recorded September 7, 2007, Dakota ���������� ���� ���������

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: November 21, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $320,000.00 MORTGAGOR(S): Douglas J Willenbring, a married person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: December 02, 2005 Dakota County Recorder, Document Number: 2385472 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100025440002839410 Lender or Broker: Lehman Brothers Bank, FSB Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 9790 Inver Grove Trl, Inver Grove Heights, MN 55076-3820 Tax Parcel ID Number: 20-73200-270-00 20-02200-020-56 LEGAL DESCRIPTION OF PROPERTY: The North 330 feet of the SE 1/4 of the SW 1/4 o f S e c t i o n 2 2 , Township 27, Range 22, Dakota County, Minnesota, which lies East of County Road No. 77 (formerly County Highway 21 and Old State Trunk Highway No. 53), except the North 170 feet thereof, according to the government survey thereof, also all of Lots 25, 26, 27 except the North 170 feet thereof, and all of Lot 24, Summit Grove.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $343,441.60 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 28, 2010, or the next business day if July 28, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 10, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007537F02 2001048 12/10/09-1/14/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 2 3 , 2007 MORTGAGORS: M a r y K a b i i Wangongu and Stephen Mwaura, wife and husband.

MORTGAGEE: J P M o r g a n C h a s e Bank, National Association as successor in interest to Washington Mutual Bank, FA. DATE AND PLACE OF RECORDING:

County Recorder, Document No. 2542657.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Washington Mutual Bank, FA RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 13921 Autumn Court, Rosemount, MN 55068 TAX PARCEL I.D.#: 34-48301-040-01 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 1, Meadows of Bloomfield 2nd Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $376,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $400,810.40 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 2, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2587 3014242170 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974848 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 13, 2007 MORTGAGORS: Pernella F. Bull and Charles R. Bull, wife and husband.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded May 1, 2007, Dakota County Recorder, Document No. 2513350.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., as successor trustee to Bank of America, N.A., as successor by merger to LaSalle Bank National Association, as Trustee for Merrill Lynch First Franklin Mortgage Loan Trust, Mortgage Loan Asset-Backed Certificates, Series 2007-3, Dated: December 1, 2007, Recorded: February 20, 2008, Document No. 2572978.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100425240013822678 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Franklin Financial Corp.

RESIDENTIAL MORTGAGE SERVICER: Home Loan Services, Inc. MORTGAGED PROPERTY ADDRESS: 353 4th Avenue South, South Saint

353 4th Avenue South, South Saint Paul, MN 55075 TAX PARCEL I.D.#: 36-64300-140-12 LEGAL DESCRIPTION OF PROPERTY: Lot 14, Block 12, Riverside Park Addition to the City of St. Paul, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $177,650.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $206,534.45 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 9, 2009.

U.S. Bank National Association, Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 76-1886 1044875761 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1975122 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 1 9 , 2004 MORTGAGOR: F r i e d a A . S m i t h , a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded April 26, 2004, Dakota County Recorder, Document No. 2198098.

ASSIGNMENTS OF MORTGAGE: Assigned to: The Bank of New York Mellon, as Successor Trustee under NovaStar Mortgage Funding Trust, Series 2004-2, Dated: October 19, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100080190023595069 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: NovaStar Mortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: Saxon Mortgage Services, Inc. MORTGAGED PROPERTY ADDRESS: 1855 Silver Bell Road #314, Eagan, MN 55122 TAX PARCEL I.D.#: 10-22451-165-01 LEGAL DESCRIPTION OF PROPERTY: Unit 314-2A, Garage Unit No. 16, Shannon Glen Condominium, I, Condominium file No. 32, Located on Lot 1, Block 1, Eagan Metro Center 2nd Addition of Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $80,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $78,863.61 That prior to the commencement of

That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 12, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 12, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 30, 2009.

The Bank of New York Mellon, as Successor Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 84-584 2000334028 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974730 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 05, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $137,500.00 MORTGAGOR(S): Kathryn R. Shufelt, unmarried woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 23, 2007 Dakota County Recorder, Document Number: 2552079 ASSIGNMENTS OF MORTGAGE: And assigned to: AmTrust Bank, Dated: October 26, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100162500049196067 Lender or Broker: AmTrust Bank Residential Mortgage Servicer: AmTrust Bank Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 15478 Pennock Ln, Apple Valley, MN 55124-7165 Tax Parcel ID Number: 01-77000-040-14 LEGAL DESCRIPTION OF PROPERTY: Lot Four (4), Block Fourteen (14), Townhouse Fourth Addition, according to the duly recorded plat thereof, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $142,981.25 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday,

if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 12, 2009 ASSIGNEE OF MORTGAGEE: AmTrust Bank Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009810F01 1973329 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 2 6 , 2006 MORTGAGOR: Robert I. Black, Jr., a married person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded October 31, 2006, Dakota County Recorder, Document No. 2472552.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: October 16, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100021268000674768 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Bankers Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 832 Bailey Street, Hastings, MN 55033 TAX PARCEL I.D.#: 19-13200-060-03 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 3, Henry G. Bailly's Addition to the Town of Hastings, according to the recorded plat thereof, and situate in Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $195,816.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $213,968.34 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

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

PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 3, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-460 6800067476 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974743 11/12-12/17/09

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 3 1 , 2003 MORTGAGOR: Kimberly L. Semlak, a single person.

MORTGAGEE: Mortgages Unlimited, Inc..

DATE AND PLACE OF RECORDING: Registered May 28, 2003, Dakota County Registrar of Titles, Document No. 500890, Certificate of Title No. 128109.

ASSIGNMENTS OF MORTGAGE: Assigned to: ABN AMRO Mortgage Group, Inc. NKA CitiMortgage, Inc., Dated: March 31, 2003, Recorded: May 28, 2003, Document No. 500891.

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: Mortgages Unlimited, Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 3901 Turquoise Point, Eagan, MN 55122 T A X P A R C E L I . D . # : 10-16705-350-06 LEGAL DESCRIPTION OF PROPERTY: Lot 35, Block 6, Cedar Grove No. 6.

Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $140,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $130,596.25 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 4, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 4, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 2, 2009.

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 10-2790 634715612 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2006750 12/10/09-1/14/10

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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:March 6, 2007 MORTGAGOR: J u d i t h J . C l a r k , a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered April 24, 2007, Dakota County Registrar of Titles, Document No. 609392, Certificate of Title No. 127317, as corrected by Document Nos. 615076 and 618493.

ASSIGNMENTS OF MORTGAGE: Assigned to: Aurora Loan Services, LLC, Dated: November 19, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100025440003688626 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Lehman Brothers Bank, FSB RESIDENTIAL MORTGAGE SERVICER: Aurora Loan Services LLC MORTGAGED PROPERTY ADDRESS: 5228 Robin Lane, Farmington, MN 55024 T A X P A R C E L I . D . # : 14-82501-183-08 LEGAL DESCRIPTION OF PROPERTY: Unit No. 183, Common Interest Community No. 323, a condominium, Vermillion Grove Condominiums, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED:Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE:$176,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE:$182,184.08 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 23, 2009.

Aurora Loan Services LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 98-946 0045586211 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2005044 12/10/09-1/14/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J a n u a r y 1 9 , 2007 MORTGAGORS: R o g e r A . B u l l y a n and Lynn M. Bullyan, husband and wife.

MORTGAGEE: Mortgage Electronic

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded January 31, 2007, Dakota County Recorder, Document No. 2492824.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: November 5, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100154070001023378 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: American Residential Mortgage, LP RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 2470 Birch Street, Rosemount, MN 55068 TAX PARCEL I.D.#: 34-14502-010-01 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 1, Biscayne Pointe 3rd Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $293,400.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $312,711.59 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 19, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 19, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 9, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7404 1991232675 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1975220 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 21, 2007 MORTGAGORS: S o u l i D a o h e u a n g and Malalack Daoheuang, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded June 4, 2007, Dakota County Recorder, Document No. 2521549.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, National Association, as successor trustee to Bank of America, N. A. as successor by merger to LaSalle Bank N. A., as Trustee for Merrill Lynch First Franklin Mortgage Loan Trust, Mortgage Loan Asset-Backed Certificates, Series 2007-4, Dated: October 13, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100425240014394289 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Franklin Financial Corporation RESIDENTIAL MORTGAGE SERVICER: Home Loan Services, Inc.

VICER: Home Loan Services, Inc. MORTGAGED PROPERTY ADDRESS: 1496 Auburn Court, Eagan, MN 55122 TAX PARCEL I.D.#: 10-75950-030-01 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 1, Thomas Lake Heights, according to the plat thereof now on file and of record within and for Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $264,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $274,146.36 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 30, 2009.

U.S. Bank National Association, Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 76-3497 1044886480 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1975112 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: December 15, 1989 MORTGAGORS: J o h n D . E r b a n d Jean M. Kenny, both single.

MORTGAGEE: I n v e s t o r s S a v i n g s Bank, F.S.B..

DATE AND PLACE OF RECORDING: Recorded January 9, 1990, Dakota County Recorder, Document No. 920500.

ASSIGNMENTS OF MORTGAGE: Assigned to: Fleet Mortgage Corp., Dated: January 3, 1990, Recorded: March 5, 1990, Document No. 928300.

And thereafter assigned to: Mortgage Electronic Registration Systems, Inc., Dated: April 26, 1999, Recorded: November 13, 2000, Document No. 1731166. And thereafter assigned to: BAC Home Loans Servicing L.P. f/k/a Countrywide Home Loans Servicing L.P., Dated: October 7, 2009.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Investors Savings Bank, F.S.B. RESIDENTIAL MORTGAGE SERVICER: BAC Home Loans Servicing L.P. MORTGAGED PROPERTY ADDRESS: 231 East Ash Street, South Saint Paul, MN 55078 TAX PARCEL I.D. #: 364750012003 LEGAL DESCRIPTION OF PROPERTY: Lot 11 except the West 20 feet thereof, and Lot 12 except the East 10 feet thereof, Block 3, Mathew's Addition to South St. Paul, together with that part of the vacated alley adjacent thereto which accrued thereto be reason of the vacation

thereto be reason of the vacation thereof.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $66,016.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $47,308.50 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None Dated: November 4, 2009.

BAC Home Loans Servicing L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-771 9846546 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1973969 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J a n u a r y 2 2 , 2007 MORTGAGORS: Linda S. Swanson, a single person and Nicole Beuthien and Martin Beuthien, wife and husband.

MORTGAGEE: Tradition Mortgage.

DATE AND PLACE OF RECORDING: Recorded February 13, 2007, Dakota County Recorder, Document No. 2496330.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: January 22, 2007, Recorded: March 20, 2007, Document No. 2503897.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Tradition Mortgage RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 13230 Galena Way, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-73125-060-01 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 1, Summerfield Townhomes, CIC No. 317.

Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $260,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $271,858.98 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an

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�������� ��� ���� a n FINANCIAL s t a t e i s ������� h e r e a l e������ E R T Y : I f t������ OBLIGATION ON MORT owner-occupied, single-family dwell- GAGE: None ing, unless otherwise provided by law, "THE TIME ALLOWED BY LAW FOR the date on or before which the mort- REDEMPTION BY THE MORTGAGOR, gagor(s) must vacate the property if the THE MORTGAGOR'S PERSONAL REPmortgage is not reinstated under sec- RESENTATIVES OR ASSIGNS, MAY BE tion 580.30 or the property is not REDUCED TO FIVE WEEKS IF A JUDIredeemed under section 580.23 is CIAL ORDER IS ENTERED UNDER 11:59 p.m. on July 14, 2010.

MINNESOTA STATUTES, SECTION MORTGAGOR(S) RELEASED FROM 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G FINANCIAL OBLIGATION ON MORT- OTHER THINGS, THAT THE MORTGAGE: None GAGED PREMISES ARE IMPROVED "THE TIME ALLOWED BY LAW FOR WITH A RESIDENTIAL DWELLING OF REDEMPTION BY THE MORTGAGOR, LESS THAN FIVE UNITS, ARE NOT THE MORTGAGOR'S PERSONAL REP- PROPERTY USED IN AGRICULTURAL RESENTATIVES OR ASSIGNS, MAY BE P R O D U C T I O N , A N D A R E REDUCED TO FIVE WEEKS IF A JUDI- ABANDONED." Dated: October 30, 2009.

CIAL ORDER IS ENTERED UNDER The Bank of New York Mellon, as MINNESOTA STATUTES, SECTION Successor Trustee 582.032, DETERMINING, AMONG Mortgagee/Assignee of Mortgagee OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED USSET, WEINGARDEN AND LIEBO, P.L.L.P. WITH A RESIDENTIAL DWELLING OF By: Paul A. Weingarden LESS THAN FIVE UNITS, ARE NOT Attorneys for Mortgagee/Assignee of PROPERTY USED IN AGRICULTURAL Mortgagee P R O D U C T I O N , A N D A R E 4500 Park Glen Road #300 Minneapolis, MN 55416 ABANDONED." (952) 925-6888 Dated: November 2, 2009.

84-561 CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee 2000370520 USSET, WEINGARDEN AND LIEBO, P.L.L.P. THIS IS A COMMUNICATION FROM By: Paul A. Weingarden A DEBT COLLECTOR. 11/12-12/17/09 Attorneys for Mortgagee/Assignee of 1974711 Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 NOTICE OF MORTGAGE (952) 925-6888 FORECLOSURE SALE 10-2659 THE RIGHT TO VERIFICATION OF 2004075332 THE DEBT AND IDENTITY OF THE THIS IS A COMMUNICATION FROM ORIGINAL CREDITOR WITHIN THE A DEBT COLLECTOR. 1974642 11/12-12/17/09 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. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: NOTICE OF MORTGAGE DATE OF MORTGAGE: November 29, FORECLOSURE SALE THE RIGHT TO VERIFICATION OF 2001 THE DEBT AND IDENTITY OF THE MORTGAGOR: Jeffrey P. Bistodeau, a ORIGINAL CREDITOR WITHIN THE single man.

TIME PROVIDED BY LAW IS NOT MORTGAGEE: Mortgage Electronic AFFECTED BY THIS ACTION. Registration Systems, Inc. NOTICE IS HEREBY GIVEN, that DATE AND PLACE OF RECORDING: default has occurred in conditions of Recorded February 22, 2002, Dakota the following described mortgage: County Recorder, Document No. DATE OF MORTGAGE: April 24, 2006 1865728.

MORTGAGORS: Sarah Ackerman and ASSIGNMENTS OF MORTGAGE: Michael A. Ackerman, wife and husAssigned to: Provident Funding Assoband. ciates, L.P., Dated: October 26, 2009 MORTGAGEE: Mortgage Electronic TRANSACTION AGENT: Mortgage Registration Systems, Inc. Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: TRANSACTION AGENT'S MORTR e c o r d e d M a y 2 5 , 2 0 0 6 , D a k o t a GAGE IDENTIFICATION NUMBER ON C o u n t y R e c o r d e r , D o c u m e n t N o . MORTGAGE: 100017935111100349 2432539.

LENDER OR BROKER AND MORTASSIGNMENTS OF MORTGAGE: GAGE ORIGINATOR STATED ON Assigned to: The Bank of New York MORTGAGE: Provident Funding AssoMellon, as Successor Trustee under ciates, L.P. RESIDENTIAL MORTGAGE SERNovaStar Mortgage Funding Trust, Series 2006-2, Dated: August 10, VICER: Provident Funding Associates, 2009, Recorded: August 19, 2009, L.P. MORTGAGED PROPERTY ADDRESS: Document No. 2679275.

TRANSACTION AGENT: Mortgage 1100 Vista Drive, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-82200-021-00 Electronic Registration Systems, Inc. LEGAL DESCRIPTION OF PROPTRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON ERTY: REAL PROPERTY IN DAKOTA MORTGAGE: 100080190056228430 LENDER OR BROKER AND MORT- COUNTY, MINNESOTA, DESCRIBED AS G A G E O R I G I N A T O R S T A T E D O N FOLLOWS: THE VACATED PART OF DUPONT MORTGAGE: NovaStar Mortgage, Inc. R E S I D E N T I A L M O R T G A G E S E R - AVE. SO. IN VISTA VIEW 1st ADDITION DESCRIBED AS FOLLOWS; VICER: Saxon Mortgage Services, Inc. MORTGAGED PROPERTY ADDRESS: COMMENCING AT THE NORTHEAST4530 Cinnamon Ridge Trail, Eagan, MN ERLY CORNER OF LOT 1, BLOCK 3, 55122 OF SAID VISTA VIEW 1st ADDITION; TAX PARCEL I.D.#: 10-17400-122-01 THENCE ON A CURVE TO THE RIGHT LEGAL DESCRIPTION OF PROP- HAVING A RADIUS OF 60.0 FEET AND ERTY: A CENTRAL ANGLE OF 240 DEGREES That part of Lot 12, Block 1, Cinna- 00 MINUTES A DISTANCE OF 251.33 mon Ridge, City of Eagan, Dakota F E E T T O T H E N O R T H W E S T E R L Y County, Minnesota lying Southwest- CORNER OF LOT 2, BLOCK 4, OF SAID erly of a line drawn from a point on VISTA VIEW OT ADDITION; THENCE the Southeasterly line of said Lot 12, S O U T H W E S T E R L Y A L O N G T H E Distant 58.80 feet southwesterly of NORTHWESTERLY LINE OF SAID LOT the most Easterly corner thereof, to 2 A D I S T A N C E O F 1 0 3 . 9 2 F E E T ; a point on the Northwesterly line of THENCE NORTHWESTERLY AT RIGHT said Lot 12, 58.80 feet Southwest- ANGLES TO THE AFOREMENTIONED erly of the most Northerly corner NORTHWESTERLY LINE OF LOT 2 A thereof, and reserving drainage and D I S T A N C E O F 6 0 . 0 F E E T T O T H E utility easements as shown on the EASTERLY LINE OF LOT 1, BLOCK 3 recorded plat thereof.

OF SAID ADDITION; THENCE ON A COUNTY IN WHICH PROPERTY IS C U R V E T O T H E L E F T H A V I N G A LOCATED: Dakota RADIUS OF 60.0 FEET AND A CENORIGINAL PRINCIPAL AMOUNT OF T R A L A N G L E O F 6 0 D E G R E E S 0 0 MORTGAGE: $137,600.00 MINUTES A DISTANCE OF 62.83 FEET AMOUNT DUE AND CLAIMED TO BE TO PLACE OF BEGINNING, ALSO ON DUE AS OF DATE OF NOTICE, INCLUD- THAT PART OF OUTLOT “B” OF SAID ING TAXES, IF ANY, PAID BY MORT- V I S T A V I E W 1 S T A D D I T I O N GAGEE: $147,022.50 DESCRIBED AS FOLLOWS: That prior to the commencement of COMMENCING AT THE NORTHEAST this mortgage foreclosure proceeding C O R N E R O F S A I D O U T L O T “ B ” ; Mortgagee/Assignee of Mortgagee com- THENCE SOUTHEASTERLY ALONG plied with all notice requirements as THE EASTERLY LINE OF SAID OUTrequired by statute; That no action or LOT A D I S T A N C E O F 5 7 . 7 7 F E E T ; proceeding has been instituted at law THENCE IN A SOUTH AND WESTERLY 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 DIRECTION ALONG THE SOUTH LINE secured by said mortgage, or any part OF SAID OUTLOT ALSO BEING THE thereof; NORTHERLY LINE OF SAID VACATED PURSUANT to the power of sale con- DUPONT AVE. SO., A DISTANCE OF tained in said mortgage, the above 137.01 FEET TO THE NORTHEASTdescribed property will be sold by the ERLY CORNER OF LOT 1, BLOCK 3 OF SAID VISTA VIEW 1st ADDITION; Sheriff of said county as follows: DATE AND TIME OF SALE: January T H E N C E I S A N O R T H W E S T E R L Y DIRECTION IN A STRAIGHT LINE TO A 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , POINT ON THE NORTHERLY LINE OF Law Enforcement Center, 1580 Hwy SAID OUTLOT “B” DISTANT 120.0 FEET WESTERLY FROM THE NORTH55, Lobby #S-100, Hastings, MN to pay the debt then secured by said E A S T C O R N E R O F S A I D O U T L O T ; Mortgage, and taxes, if any, on said THENCE NORTHEASTERLY ALONG premises, and the costs and disburse- THE NORTHERLY LINE OF SAID OUTm 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 LOT “B” A DISTANCE OF 120.0 FEET allowed by law subject to redemption TO THE PLACE OF BEGINNING. COUNTY IN WHICH PROPERTY IS within six (6) months from the date of said sale by the mortgagor(s), their LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF personal representatives or assigns unless reduced to Five (5) weeks under MORTGAGE: $141,750.00 AMOUNT DUE AND CLAIMED TO BE MN Stat. §580.07.

TIME AND DATE TO VACATE PROP- D U E A S O F D A T E O F N O T I C E , E R T Y : I f t h e r e a l e s t a t e i s a n INCLUDING TAXES, IF ANY, PAID BY owner-occupied, single-family dwell- MORTGAGEE: $129,599.39 That prior to the commencement of ing, unless otherwise provided by law, the date on or before which the mort- this mortgage foreclosure proceeding gagor(s) must vacate the property if the M o r t g a g e e / A s s i g n e e o f M o r t g a g e e mortgage is not reinstated under sec- complied with all notice requirements tion 580.30 or the property is not as required by statute; That no action redeemed under section 580.23 is or proceeding has been instituted at law or otherwise to recover the debt 11:59 p.m. on January 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORT- ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� ��� ���� ������ ������� MN ������ Stat. §580.07.

TIME AND DATE TO VACATE PROP���������� ���� ��������� law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 12, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 12, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: October 30, 2009.

Provident Funding Associates, L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-1462 3511110034 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974883 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 18, 2005 MORTGAGORS: Kaiphet Soukvilay and Manivone Syhalath, both single.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded June 8, 2005, Dakota County Recorder, Document No. 2328787.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: October 5, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100226700000058181 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Citizens State Bank RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 13709 Steven Road, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-15401-350-01 LEGAL DESCRIPTION OF PROPERTY: Lot 35, Block 1, Burnsville Heights Second Addition, according to the recorded plat thereof, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $203,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $201,245.26 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

ERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 3, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-445 6800012540 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974762 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: May 20, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $300,000.00 MORTGAGOR(S): Teri Jo Nutt, a single person MORTGAGEE: TCF Mortgage Corporation DATE AND PLACE OF RECORDING: Recorded: July 08, 2003 Dakota County Recorder, Document Number: 2075250 ASSIGNMENTS OF MORTGAGE: And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: May 01, 2006, Recorded: May 10, 2006 Dakota County Recorder, Document Number: 2428055 And assigned to: U.S. Bank National Association, Dated: November 04, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001860376 Lender or Broker: TCF Mortgage Corporation Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 13130 Evermore Pkwy, Apple Valley, MN 55124-5250 Tax Parcel ID Number: 01-24800-070-01 LEGAL DESCRIPTION OF PROPERTY: Lot 7, Block 1, Evermoor Apple Valley, CIC No. 299, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $283,261.00 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF

WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006897F02 1982396 11/19-12/24/09

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE:April 19, 2004 MORTGAGOR:Marion Tilsworth, a single person.

MORTGAGEE:Homeservices Lending, LLC d/b/a Edina Realty Mortgage.

DATE AND PLACE OF RECORDING: Registered May 12, 2004, Dakota County Registrar of Titles, Document No. 536677, Certificate of Title No. 131632.

ASSIGNMENTS OF MORTGAGE: Assigned to: Mortgage Electronic Registration Systems, Inc., Dated: March 1, 2005, Recorded: June 3, 2005, Document No. 566678. And thereafter assigned to: U.S. Bank, N.A., Dated: November 12, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Homeservices Lending, LLC d/b/a Edina Realty Mortgage RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 3302 East 78th Street, Inver Grove Heights, MN 55076 T A X P A R C E L I . D . # : 20-48601-081-01 LEGAL DESCRIPTION OF PROPERTY: Lots 7 and 8, Block 1, in Michael D. Dupont 2nd Addition, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED:Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE:$133,655.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE:$127,255.73 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: January 26, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 26, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 3, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-533 7810396022 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2006998 12/10/09-1/14/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 08, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $261,501.00 MORTGAGOR(S): Julie A Hoffman, an unmarried woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: September 18, 2006 Dakota County Recorder, Document Number: 2462169 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, L.P., Dated: October 19, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100020410001335640 Lender or Broker: DHI Mortgage Company Limited Partnership Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 17875 Glasgow Way, Lakeville, MN 55044-4721 Tax Parcel ID Number: 22-18607-080-01 LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 1, CIC No. 437, Crossroads 8th Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $261,931.94 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 10, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 22, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009527F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 10, 2009 at 10:00 AM has been postponed to January 14, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 10, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009527F01 1998457 12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage:

the following described mortgage: DATE OF MORTGAGE: A u g u s t 1 3 , 2003 MORTGAGORS: C h r i s t o p h e r R i c e and Sabrina Rice, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded September 19, 2003, Dakota County Recorder, Document No. 2112845.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: December 6, 2007, Recorded: December 20, 2007, Document No. 2562553.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100026600063482504 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Freeland Financial Services Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 912 36th Street, Hastings, MN 55033 TAX PARCEL I.D.#: 19-17500-030-36 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 36, Century South, according to the recorded plat thereof, and situate in Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $213,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $198,954.14 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 26, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 26, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 11, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2720 6348250 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982437 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 1 6 , 2006 MORTGAGORS: Jon Hall and Billee Jo Hall, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded May 24, 2006, Dakota County Recorder, Document No. 2432376.

ASSIGNMENTS OF MORTGAGE: Assigned to: Deutsche Bank National Trust Company, as Trustee for First Franklin Mortgage Loan Trust 2006-FF9, Mortgage Pass-Through Certificates, Series 2006-FF9, Dated: April 9, 2009, Recorded: April 30, 2009, Document No. 2653778.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100425240006820440

MORTGAGE: 100425240006820440 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Franklin RESIDENTIAL MORTGAGE SERVICER: Home Loan Services, Inc. MORTGAGED PROPERTY ADDRESS: 4667 Blaylock Way, Inver Grove Heights, MN 55076 TAX PARCEL I.D.#: 20-44001-601-07 LEGAL DESCRIPTION OF PROPERTY: Unit Number 2601, Lafayette Park, Common Interest Community No. 370, a Condominium located in Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $172,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $181,088.77 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 10, 2009.

Deutsche Bank National Trust Company, as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 76-3211 1044656394 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1979832 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: March 27, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $208,000.00 MORTGAGOR(S): Anne M Nolet, a single woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: May 08, 2006 Dakota County Recorder, Document Number: 2427063 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, L.P., Dated: November 11, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100013800892406675 Lender or Broker: GreenPoint Mortgage Funding, Inc. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 14085 Dearborn Path, Rosemount, MN 55068-5037 Tax Parcel ID Number: 34-18302-440-02 LEGAL DESCRIPTION OF PROPERTY: Lot 44, Block 2, Country Hills 3rd Addition, according to the duly recorded plat thereof, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $214,221.64 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale con-

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PURSUANT to the power of sale con tained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010237F01 1981844 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN: that a default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 22, 1999 MORTGAGOR(S): Ward Knutson and Elizabeth A. Knutson, husband and wife MORTGAGEE: GE Capital Mortgage Services, Inc. DATE AND PLACE OF RECORDING: Filed December 6, 1999, Dakota County Recorder, Document No. 1657785 ASSIGNMENT(S) OF MORTGAGE: Assigned to First Union National Bank, as Indenture Trustee by an Assignment of Mortgage dated April 7, 2000, recorded November 2, 2000, as Document No. 1728625 and subsequently assigned to Bayview Loan Servicing, LLC by an Assignment of Mortgage dated September 9, 2009, recorded September 11, 2009, as Document No. 2683870 The land described in said mortgage is not registered land.

MORTGAGE HOLDER (as defined in section 58.02): Transaction Agent: NA Transaction Agent's Mortgage Identification Number on Mortgage: NA Lender or Broker: Bayview Loan Servicing, LLC. Residential Mortgage Servicer: NA MORTGAGE ORIGINATOR (as defined in section 58.02): GE Capital Mortgage Services, Inc. MORTGAGED PROPERTY ADDRESS: 3829 Bridgewater Drive, Eagan, MN 55123 TAX PARCEL I.D. NO.: 10-75835-080-01 LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 1, The Oaks of Bridgewater 1st Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $248,650.00 AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THIS NOTICE: $218,491.70 The holder of the mortgage has complied with all conditions precedent to acceleration of the debt secured by the mortgage and foreclosure of the mortgage and all notice and other requirements of applicable statutes. That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof.

PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 12, 2010 at 10:00 a.m.

PLACE OF SALE: Dakota County Sheriff's Office, Law Enforcement Center, 1580 Highway 55, Hastings, MN

ter, 1580 Highway 55, Hastings, MN 55033, to pay the debt then secured by said mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 12, 2010, or the next business day if July 12, 2010 falls on a Saturday, Sunday or legal holiday.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N A N D A R E ABANDONED." Dated: November 11, 2009 BAYVIEW LOAN SERVICING, LLC, Assignee /s/ Anna C. Mickelson ANNA C. MICKELSON -forAtty. I.D. #347814 MURNANE BRANDT Attorneys for Assignee 30 East Seventh Street, Suite 3200 St. Paul, Minnesota 55101 Telephone (651) 227-9411 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1979601 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J a n u a r y 3 , 2008 MORTGAGORS: M i c h e l l e M . P a t t y and Diane M. Patty, both single.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded February 1, 2008, Dakota County Recorder, Document No. 2569554.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: October 28, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100021268001135462 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Riverview Community Bank RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 6870 167th Street West, Rosemount, MN 55068 TAX PARCEL I.D.#: 22-21171-020-08 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 8, Donnay's Valley Park 2nd Addition, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $218,250.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $222,516.23 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION

MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 6, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-495 6800113546 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1981043 11/19-12/24/09

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE THE 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 20, 2007 MORTGAGOR: M i c h a e l V e l z k e , a single person.

MORTGAGEE: J P M o r g a n C h a s e Bank, National Association as successor in interest to Washington Mutual Bank, FA. DATE AND PLACE OF RECORDING: Recorded May 10, 2007, Dakota County Recorder, Document No. 2515898.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Washington Mutual Bank, FA RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 3285 Hill Ridge Drive, Eagan, MN 55121 T A X P A R C E L I . D . # : 10-41300-064-05 LEGAL DESCRIPTION OF PROPERTY: Unit 64, CIC Number 358, Cedar Bluff Townhome Condominium COUNTY IN WHICH PROPERTY IS LOCATED:Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE:$153,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE:$167,154.46 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: February 11, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

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

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 4, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2639 3013635614 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2006912 12/10/09-1/14/10

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 1 1 , 2006 MORTGAGOR: J u l i e A . F l e m i n g , a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered October 27, 2009, Dakota County Registrar of Titles, Document No. T653024, Certificate of Title No. 123879.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: September 16, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100011520037614510 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Gabriel Financial Group Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 16770 Joplin Way, Lakeville, MN 55044 T A X P A R C E L I . D . # : 22-64601-110-05 LEGAL DESCRIPTION OF PROPERTY: Lot 11, Block 5 in Rolling Oaks South Plat Two. Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $208,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $222,607.05 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 4, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 4, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 1, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2281 2003761451 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2006636 12/10/09-1/14/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: January 27, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $179,920.00 MORTGAGOR(S): Sonja A. Zangs and Bradley Zangs MORTGAGEE: Mortgage Electronic Registration Systems, Inc.

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������ ������� �������� ��� G E���� NT S MORT TRAN SACTION A Registration ������ Systems, Inc. DATE AND PLACE OF RECORDING: GAGE IDENTIFICATION NUMBER ON Recorded with the County Recorder in MORTGAGE: 100139104915437687 LENDER OR BROKER AND MORTand for the County of Dakota, State of Minnesota, on the 18th day of Febru- G A G E O R I G I N A T O R S T A T E D O N MORTGAGE: Residential Mortgage ary, 2005, as Document No. 2297389 A S S I G N M E N T S O F M O R T G A G E : Group, Inc. RESIDENTIAL MORTGAGE SERAssigned to Kondaur Capital Corporation, dated January 12, 2009, recorded VICER: BAC Home Loans Servicing M a y 1 , 2 0 0 9 a s D o c u m e n t N o . L.P. MORTGAGED PROPERTY ADDRESS: 2654081; further assigned to Second Chance Finance Group, LLC, dated 5148 Lower 183rd Street West, FarmApril 8, 2009, recorded May 1, 2009 as ington, MN 55024 TAX PARCEL I.D. #: 141950503004 Document No. 2654082 LEGAL DESCRIPTION OF PROPLEGAL DESCRIPTION OF PROPERTY: ERTY: Lot 13, Block 4, East Farmington Lot 3, Block 4, Dakota County Seventh Addition, Dakota County, Estates Sixth Addition, Dakota Minnesota PROPERTY ADDRESS: County, Minn.

1113 Hickory Street, Farmington, COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Minnesota 55024.

COUNTY IN WHICH PROPERTY IS ORIGINAL PRINCIPAL AMOUNT OF LOCATED: Dakota MORTGAGE: $221,219.00 AMOUNT DUE AND CLAIMED TO BE AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUD- DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORT- ING TAXES, IF ANY, PAID BY MORTGAGEE: $201,837.81 GAGEE: $217,611.07 THAT there has been compliance That prior to the commencement of with all pre-foreclosure requirements; this mortgage foreclosure proceeding that no action or proceeding has been Mortgagee/Assignee of Mortgagee comi n s t i t u t e d a t l a w o r o t h e r w i s e t o plied with all notice requirements as recover the debt secured by said mort- required by statute; That no action or gage, or any part thereof; proceeding has been instituted at law THAT pursuant to the power of sale 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 c o n t a i n e d i n s a i d m o r t g a g e , t h e secured by said mortgage, or any part above-described property will be sold thereof; by the Sheriff of Dakota County as folPURSUANT to the power of sale conlows: tained in said mortgage, the above DATE AND TIME OF SALE: January described property will be sold by the Sheriff of said county as follows: 5, 2010, at 10:00 a.m.

DATE AND TIME OF SALE: January PLACE OF SALE: Dakota County Sheriff's Office, Law Enforcement 19, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Center, 1580 Highway 55, Hastings, Minnesota to pay the debt secured by Law Enforcement Center, 1580 Hwy said mortgage and taxes, if any, on said 55, Lobby #S-100, Hastings, MN p r e m i s e s a n d t h e c o s t s a n d to pay the debt then secured by said disbursements, including attorneys' Mortgage, and taxes, if any, on said f e e s a l l o w e d b y l a w s u b j e c t t o premises, and the costs and disburseredemption within six (6) months from 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 t h e d a t e o f s a i d s a l e b y t h e allowed by law subject to redemption m o r t g a g o r ( s ) , t h e i r p e r s o n a l within six (6) months from the date of representatives or assigns. said sale by the mortgagor(s), their The date on or before which the personal representatives or assigns mortgagor must vacate the property if unless reduced to Five (5) weeks under the mortgage is not reinstated under MN Stat. §580.07. section 580.30 or the property TIME AND DATE TO VACATE PROPredeemed under section 580.23: July E R T Y : I f t h e r e a l e s t a t e i s a n 6, 2010 at 11:59 p.m. owner-occupied, single-family dwellTHE TIME ALLOWED BY LAW FOR ing, unless otherwise provided by law, REDEMPTION BY THE MORTGAGOR, the date on or before which the mortT H E M O R T G A G O R ' S P E R S O N A L gagor(s) must vacate the property if the REPRESENTATIVES OR ASSIGNS, mortgage is not reinstated under secMAY BE REDUCED TO FIVE WEEKS IF tion 580.30 or the property is not A J U D I C I A L O R D E R I S E N T E R E D redeemed under section 580.23 is U N D E R M I N N E S O T A S T A T U T E S , 11:59 p.m. on July 19, 2010.

MORTGAGOR(S) RELEASED FROM SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE FINANCIAL OBLIGATION ON MORTM O R T G A G E D P R E M I S E S A R E GAGE: None "THE TIME ALLOWED BY LAW FOR IMPROVED WITH A RESIDENTIAL D W E L L I N G O F L E S S T H A N F I V E REDEMPTION BY THE MORTGAGOR, UNITS, ARE NOT PROPERTY USED IN THE MORTGAGOR'S PERSONAL REPAGRICULTURAL PRODUCTION, AND RESENTATIVES OR ASSIGNS, MAY BE ARE ABANDONED. REDUCED TO FIVE WEEKS IF A JUDIDated: November 12, 2009 CIAL ORDER IS ENTERED UNDER Second Chance Finance Group, LLC MINNESOTA STATUTES, SECTION Assignee of Mortgagee 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTHOELSCHER LAW FIRM, PLLC By: Brian G. Hoelscher #0238752 GAGED PREMISES ARE IMPROVED Attorneys for Assignee of Mortgagee WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT 13100 Wayzata Boulevard, Suite 100 PROPERTY USED IN AGRICULTURAL Minnetonka, MN 55305 THIS IS A COMMUNICATION FROM P R O D U C T I O N , A N D A R E ABANDONED." A DEBT COLLECTOR. Dated: November 16, 2009.

FORECLOSURE DATA BAC Home Loans Servicing L.P. Minn. Stat. Sec. 580.025 Mortgagee/Assignee of Mortgagee (1) the physical street address, city, a n d z i p c o d e o f t h e m o r t g a g e d USSET, WEINGARDEN AND LIEBO, p r e m i s e s i s 1 1 1 3 H i c k o r y S t r e e t , P.L.L.P. By: Paul A. Weingarden Farmington, Minnesota 55024; ( 2 ) t h e n a m e o f t h e t r a n s a c t i o n Attorneys for Mortgagee/Assignee of agent, residential mortgage servicer, Mortgagee and the lender or broker, as defined in 4500 Park Glen Road #300 section 58.02, if the person holding Minneapolis, MN 55416 the mortgage is a transaction agent as (952) 925-6888 defined in section 58.02, subdivision 18-681 30 are as follows: - not applicable; or 93924852 the name of the residential mortgage THIS IS A COMMUNICATION FROM servicer and the lender or broker, as A DEBT COLLECTOR. 11/19-12/24/09 defined in section 58.02, if the person 1982722 holding the mortgage is not a transaction agent as defined in section 58.02, subdivision 30 are as follows: NOTICE OF MORTGAGE residential mortgage servicer - BSI FORECLOSURE SALE Financial Services, Inc., lender or NOTICE IS HEREBY GIVEN, that broker - original lender America's Wholesale Lender, present holder default has occurred in the conditions of the following described mortgage: Second Chance Finance Group, LLC; DATE OF MORTGAGE: May 9, 2007.

(3) the tax parcel identification MORTGAGOR(S): Reno & Associnumber of the mortgaged premises is: ates Development Group, LLC, a Min14-22506-130-04; (4) if stated on the mortgage, the nesota limited liability company.

MORTGAGEE: American Bank of St. transaction agent's mortgage identific a t i o n n u m b e r i s : - Paul.

DATE AND PLACE OF RECORDING: 1000157-0004725305-5; (5) if stated on the mortgage, the Filed May 14, 2007, Dakota County Recorder, as Document No. 2517026. name of the residential mortgage ASSIGNMENT(S) OF MORTGAGE: originator as defined in section 58.02 NA. is: America's Wholesale Lender.

The land described in said mortgage 1979392 11/19-12/24/09P is not registered land.

MORTGAGE HOLDER (as defined in section 58.02): Transaction Agent: NA. NOTICE OF MORTGAGE Transaction Agent's Mortgage IdentiFORECLOSURE SALE THE RIGHT TO VERIFICATION OF fication Number on Mortgage: NA. THE DEBT AND IDENTITY OF THE Lender or Broker: American Bank of ORIGINAL CREDITOR WITHIN THE St. Paul.

TIME PROVIDED BY LAW IS NOT Residential Mortgage Servicer: NA. AFFECTED BY THIS ACTION. MORTGAGE ORIGINATOR (as defined NOTICE IS HEREBY GIVEN, that in section 58.02): American Bank of default has occurred in conditions of St. Paul.

MORTGAGED PROPERTY ADDRESS: the following described mortgage: 1007 Robert Street South, West St. DATE OF MORTGAGE: May 13, 2005 MORTGAGOR: Kenneth A. Eaton, a Paul, Minnesota 55118. single person.

TAX PARCEL I.D. NO.: MORTGAGEE: Mortgage Electronic 42-48100-030-09.

Registration Systems, Inc..

LEGAL DESCRIPTION OF PROPDATE AND PLACE OF RECORDING: ERTY: Lots 1, 2 and 3, Block 9, B. Recorded July 12, 2005, Dakota Michel's Addition to West St. Paul, County Recorder, Document No. except that part of Lot 1 described as 2339216. follows: Commencing at the NorthASSIGNMENTS OF MORTGAGE: east corner of Lot 1; thence Westerly along the North line of said Lot Assigned to: BAC Home Loans Servicing L.P. f/k/a Countrywide Home Loans 1 a distance of 140 feet; thence South along the West line of said Lot Servicing L.P., Dated: September 9, 1, a distance of 2.5 feet; thence 2009.

Southeasterly to a point on the East TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. T R A N S A C T I O N A G E N T ' S M O R T - ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� ��� ���� ������DATE ������ ������� AND TIME OF SALE: January 21, 2010 at 10:00 AM ���������� ���� ��������� Southeasterly to a point on the East line of said Lot 1 which point is 20 feet South of the Northeast corner of said Lot 1; thence North 20 feet along said East line of Lot 1 to the point of beginning; together with all equipment including but not limited to: All machinery, vehicles, furniture, fixtures, m a n u f a c t u r i n g e q u i p m e n t , fa r m machinery and equipment, shop equipment, office and record keeping equipment, and parts and tools.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota.

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $1,023,945.00.

AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THIS NOTICE: $691,782.32.

The holder of the mortgage has complied with all conditions precedent to acceleration of the debt secured by the mortgage and foreclosure of the mortgage and all notice and other requirements of applicable statutes. That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof.

PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 a.m.

PLACE OF SALE: Sheriff's main office in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby #S-100, in the City of Hastings, County of Dakota, State of Minnesota. to pay the debt then secured by said mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: none.

"THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N A N D A R E ABANDONED." Dated: November 11, 2009.

AMERICAN BANK OF ST. PAUL, Mortgagee /s/ Peter B. Tiede PETER B. TIEDE -forAtty. I.D. #245094 MURNANE BRANDT Attorneys for Mortgagee 30 East Seventh Street, Suite 3200 St. Paul, Minnesota 55101 Telephone (651) 227-9411 1011969 1982589 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 2 4 , 2004 MORTGAGOR: Phyllis J. Springfield, unmarried.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded September 3, 2004, Dakota County Recorder, Document No. 2244693.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank National Association, as Trustee for ARMT 2004-1, Dated: October 13, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100058900003392693 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: RBC Mortgage Company RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 5442 Upper 182nd Street, Farmington, MN 55024 TAX PARCEL I.D.#: 14-19500-110-01 LEGAL DESCRIPTION OF PROPERTY: Lot 11, Block 1, Dakota County Estates COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $172,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $176,444.21 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January

PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 9, 2009.

U.S. Bank National Association, Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2521 5302953707 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982758 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 25, 2007 MORTGAGORS: Cindy A. Peters and Randy L. Zellman, both single.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded June 11, 2007, Dakota County Recorder, Document No. 2523282.

ASSIGNMENTS OF MORTGAGE: Assigned to: First Franklin Financial Corporation, Dated: November 13, 2008, Recorded: December 5, 2008, Document No. 2625703.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100425240014527805 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Franklin Financial Corp.

RESIDENTIAL MORTGAGE SERVICER: Home Loan Services, Inc. MORTGAGED PROPERTY ADDRESS: 16950 Gannon Way West, Rosemount, MN 55068 TAX PARCEL I.D.#: 22-16701-100-01 LEGAL DESCRIPTION OF PROPERTY: Lot 10, Block 1, Cedar Highlands Second Addition, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $190,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $220,489.65 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the

gagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 11, 2009.

First Franklin Financial Corporation Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 76-2875 1044890429 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1981392 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: May 14, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $127,000.00 MORTGAGOR(S): Jason M. Walgrave and Stephanie Walgrave, Husband and Wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: June 14, 2004 Dakota County Recorder, Document Number: 2214980 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700037123714 Lender or Broker: America's Wholsesale Lender Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 15554 Garnet Way, Apple Valley, MN 55124-5157 Tax Parcel ID Number: 011670000504 LEGAL DESCRIPTION OF PROPERTY: Unit Number 5, Condominium Number 117, Cedar Pointe Carriage Homes Condominium, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $125,120.91 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 MORTGAGEE: Mortgage Elec-

MORTGAGEE: Mortgage Elec tronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 001788F02 1980931 11/19-12/24/09

PUBLIC NOTICE NOTICE OF ASSOCIATION LIEN

FORECLOSURE SALE Date: October 6, 2009.

YOU ARE NOTIFIED THAT: 1. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. 2. THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 3. Default has occurred in the conditions of that Declaration filed in the office of the County Recorder of Dakota County, Minnesota, on April 9, 1985, as Document No. 683873 (hereinafter the "Declaration"), which covers the following described real property located in Dakota County, Minnesota: Lot 31, Block 1, Thomas Lake Heights 2nd Addition.

4. The above described land is not registered land.

5. Pursuant to Minn. Stat. Section 515A.3-115(a), said debt creates a lien upon the above described premises in favor of Horizon Hills Home Owners Association, as evidenced by a Lien Statement dated August 28, 2009, and filed in the office of the County Recorder of Dakota County, Minnesota, on August 31, 2009, as Document No. 2681501.

6. Pursuant to the Declaration, there is claimed to be due and owing on the lien as of the date hereof by Daniel Bengtson, owner of said premises, to Horizon Hills Home Owners Association, a Minnesota non-profit corporation, the principal amount of $1,572.20 for assessments, late charges and legal fees, plus additional assessments, legal fees and other amounts that accrue thereafter, including the costs of foreclosure.

7. No other action or proceeding at law is now pending to recover said debt.

8. All conditions precedent to foreclosure of the lien have been fulfilled.

9. By virtue of the power of sale granted by the owner in taking title to the above described premises subject to Minn. Stat. Section 515A.3-115(a), said lien will be foreclosed, and the above described real property will be sold by the County Sheriff of Dakota County, Minnesota, at public auction on December 2, 2009, at 10:00 a.m. at the sheriff's main office in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby #S-100, in the City of Hastings, County of Dakota, State of Minnesota.

10. 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 owner or his personal representatives or assigns is six months after the date of sale.

11. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE OWNER OR THE OWNER'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION AND ARE ABANDONED. 12. Said owner has not been released from his financial obligation to pay said amount.

13. The foreclosing party, to the best of its knowledge, provides the following information regarding the subject premises: (a) The physical street address, city, and zip code of the premises are: 1572 Clemson Drive, Unit B, Eagan, Minnesota, 55122. (b) The tax parcel identification number of the premises is: 10-75951-310-01.

HORIZON HILLS HOME OWNERS ASSOCIATION /s/ Anna C. Mickelson ANNA C. MICKELSON Atty. I.D. #347814 MURNANE BRANDT Attorneys for Homeowners Association 30 East Seventh Street, Suite 3200 St. Paul, Minnesota 55101 Telephone (651) 227-9411 NOTICE OF POSTPONEMENT Date: December 1, 2009.

NOTICE IS HEREBY GIVEN that the association lien foreclosure sale referred to in the foregoing Notice of Association Lien Foreclosure Sale has been postponed from December 2, 2009, at 10:00 a.m. to December 30, 2009, at 10:00 a.m., at the same place set forth in the foregoing Notice of Association Lien Foreclosure Sale, at the request of the Homeowners Association.

HORIZON HILLS HOME OWNERS ASSOCIATION /s/ Anna C. Mickelson ANNA C. MICKELSON, Atty. I.D. #347814 MURNANE BRANDT Attorneys for Homeowners Association 30 East Seventh Street, Suite 3200 St. Paul, Minnesota 55101 Telephone (651) 227-9411 1998597 12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: January 19, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $310,000.00 MORTGAGOR(S): Kelly C Hurley and Charles J Hurley, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: February 13, 2004 Dakota County Recorder, Document Number: 2176813 ASSIGNMENTS OF MORTGAGE: And assigned to: AmTrust Bank, Dated: November 30, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100154060001051073 Lender or Broker: American Residential Mortgage, L.P. Residential Mortgage Servicer: AmTrust Bank Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 17706 Hillwood Ave, Lakeville, MN 55044-6667 Tax Parcel ID Number: 22-88507-020-02 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 2, Zweber Farm Eighth AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $286,223.54 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 28, 2010, or the next business day if July 28, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 10, 2009 ASSIGNEE OF MORTGAGEE: AmTrust Bank Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010635F01 2003758 12/10/09-1/14/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 02, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $167,200.00 MORTGAGOR(S): Steven B. Jacobson and Carla M. Jacobson, husband and wife MORTGAGEE: TCF Mortgage Corporation DATE AND PLACE OF RECORDING: Recorded: July 03, 2003 Dakota County Recorder, Document Number: 2074082 ASSIGNMENTS OF MORTGAGE: And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: May 01, 2006, Recorded: May 10, 2006 Dakota County Recorder, Document Number: 2427701 And assigned to: U.S. Bank National Association, Dated: October 15, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001863065 Lender or Broker: TCF Mortgage Corporation

Corporation Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1003 Stryker Ave, West Saint Paul, MN 55118-1303 Tax Parcel ID Number: 42-14300-100-00 LEGAL DESCRIPTION OF PROPERTY: Lot 10, in Blechinger's Subdivision, according to the recorded plat thereof, and situate in Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $163,874.64 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009517F01 1978753 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 4, 2004 MORTGAGOR: Heather Ann Peterson, a single woman.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered March 16, 2005, Dakota County Registrar of Titles, Document No. 560959, Certificate of Title No. 129051.

ASSIGNMENTS OF MORTGAGE: Assigned to: Bayview Loan Servicing, LLC, Dated: October 7, 2009 Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100059012560187810 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: nBank, N.A. RESIDENTIAL MORTGAGE SERVICER: Bayview Loan Servicing, LLC MORTGAGED PROPERTY ADDRESS: 4671 Jackstone Point, Eagan, MN 55122 TAX PARCEL I.D.#: 10-63983-020-08 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 8, Ridgecliffe Fourth Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $136,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $140,361.95 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee com-

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Mortgagee/Assignee of Mortgagee com plied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 9, 2009.

Bayview Loan Servicing, LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-1443 0000400668 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982628 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: December 30, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $236,825.00 MORTGAGOR(S): Jason D. Matthews, unmarried MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: February 02, 2005 Dakota County Registrar of Titles, Document Number: 558124 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association, Dated: October 31, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021278920259020 Lender or Broker: U.S. Bancorp Advantage, LLC Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 135108 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 19780 Goldfinch Dr, Farmington, MN 55024-2014 Tax Parcel ID Number: 14-82500-073-08 LEGAL DESCRIPTION OF PROPERTY: Unit No. 73, Common Interest Community No. 323, a condominium, Vermillion Grove Condominiums, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $220,661.94 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the 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 July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009906F01 1978468 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J a n u a r y 1 0 , 2007 MORTGAGOR: Nissa A. Sale, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded January 24, 2007, Dakota County Recorder, Document No. 2490991.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc, Dated: November 3, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100020000351496579 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Burnet Home Loans RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 3471 East 67th Street, Inver Grove Heights, MN 55076 TAX PARCEL I.D.#: 20-44350-320-01 LEGAL DESCRIPTION OF PROPERTY: Apartment No. 76, Building No. 19, Condominium File No. 6, Lakebridge Condominium No. 2. Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $118,400.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $118,107.37 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 26, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 26, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED

GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 11, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2722 1120044652 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982418 11/19-12/24/09

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE:A u g u s t 2 6 , 2005 MORTGAGORS:E r i c D . V e v e a a n d Victoria A. Vevea, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded October 11, 2005, Dakota County Recorder, Document No. 2369774.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: December 1, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100015902278007669 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: CTX Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 1496 Sherwood Way, Eagan, MN 55122 T A X P A R C E L I . D . # : 10-57665-120-02 LEGAL DESCRIPTION OF PROPERTY: LOT 12, BLOCK 2, PINETREE PASS 6TH ADDITION, ACCORDING TO THE RECORDED PLAT THEREOF, DAKOTA COUNTY, MINNESOTA COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $563,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $559,459.13 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 11, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

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

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 3, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7557 1927074991 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2006792 12/10/09-1/14/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 24, 2006 MORTGAGORS: T e r r y L u n d a n d Susan Lund, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded May 12, 2006, Dakota County Recorder, Document No. 2428955.

ASSIGNMENTS OF MORTGAGE: Assigned to: HSBC Mortgage Services, Inc., Dated: November 16, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100077910006115766 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Decision One Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: HSBC Bank USA, N.A. MORTGAGED PROPERTY ADDRESS: 16440 Flagstaff Way West, Rosemount, MN 55068 TAX PARCEL I.D.#: 22-21177-090-06 LEGAL DESCRIPTION OF PROPERTY: Lot 9, Block 6, Donnay's Valley Park 8th, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $207,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $213,965.99 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 2, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 2, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 30, 2009.

HSBC Mortgage Services 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 43-390 0014194781 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2003596 12/10/09-1/14/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 1 4 , 2005 MORTGAGOR: I g o r N . K a r p i c h , a single man.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded July 14, 2005, Dakota County Recorder, Document No. 2340008.

ASSIGNMENTS OF MORTGAGE: Assigned to: Bayview Loan Servicing,

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������ ������� �������� ��� ���� Assigned to:������ Bayview Loan Servicing, $235,037.44 THAT all pre-foreclosure requireLLC, Dated: October 7, 2009 TRANSACTION AGENT: Mortgage ments have been complied with; that Electronic Registration Systems, Inc. no action or proceeding has been instiT R A N S A C T I O N A G E N T ' S M O R T - tuted at law or otherwise to recover the GAGE IDENTIFICATION NUMBER ON debt secured by said mortgage, or any part thereof; MORTGAGE: 100015901074384983 PURSUANT to the power of sale conLENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON t a i n e d i n s a i d m o r t g a g e , t h e MORTGAGE: CTX Mortgage Company, above-described property will be sold by the Sheriff of said county as folLLC R E S I D E N T I A L M O R T G A G E S E R - lows: DATE AND TIME OF SALE: January VICER: Bayview Loan Servicing, LLC MORTGAGED PROPERTY ADDRESS: 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County 15620 Echo Ridge Road, Apple Valley, Law Enforcement Center, 1580 HighMN 55124 TAX PARCEL I.D.#: 01-18052-004-31 way 55, Lobby S-100, Hastings, MinneL E G A L D E S C R I P T I O N O F P R O P - sota ERTY: to pay the debt secured by said mortUnit No. 1004, CIC Number 484, A gage and taxes, if any, on said preCondominium, Legacy Homes at mises and the costs and disburseC o b b l e s t o n e L a k e N o r t h S h o r e , ments, including attorney fees allowed Dakota County, Minnesota by law, subject to redemption within COUNTY IN WHICH PROPERTY IS six (6) months from the date of said LOCATED: Dakota sale by the mortgagor(s), their perORIGINAL PRINCIPAL AMOUNT OF sonal representatives or assigns.

MORTGAGE: $166,492.00 If the Mortgage is not reinstated AMOUNT DUE AND CLAIMED TO BE under Minn. Stat. §580.30 or the propDUE AS OF DATE OF NOTICE, INCLUD- erty is not redeemed under Minn. Stat.

ING TAXES, IF ANY, PAID BY MORT- §580.23, the Mortgagor must vacate GAGEE: $175,366.81 the property on or before 11:59 p.m. on That prior to the commencement of July 07, 2010, or the next business day this mortgage foreclosure proceeding if July 07, 2010 falls on a Saturday, Mortgagee/Assignee of Mortgagee com- Sunday or legal holiday. plied with all notice requirements as Mortgagor(s) released from financial required by statute; That no action or obligation: NONE proceeding has been instituted at law THIS COMMUNICATION IS FROM 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 A DEBT COLLECTOR ATTEMPTsecured by said mortgage, or any part ING TO COLLECT A DEBT. ANY thereof; INFORMATION OBTAINED WILL BE PURSUANT to the power of sale con- USED FOR THAT PURPOSE. tained in said mortgage, the above THE RIGHT TO VERIFICATION OF described property will be sold by the THE DEBT AND IDENTITY OF THE Sheriff of said county as follows: ORIGINAL CREDITOR WITHIN THE DATE AND TIME OF SALE: January T I M E P R O V I D E D B Y L A W I S N O T 21, 2010 at 10:00 AM AFFECTED BY THIS ACTION. PLACE OF SALE:Sheriff's Office, Law THE TIME ALLOWED BY LAW FOR Enforcement Center, 1580 Hwy 55, REDEMPTION BY THE MORTGAGOR, Lobby #S-100, Hastings, MN THE MORTGAGOR'S PERSONAL REPto pay the debt then secured by said RESENTATIVES OR ASSIGNS, MAY BE Mortgage, and taxes, if any, on said REDUCED TO FIVE WEEKS IF A JUDIpremises, and the costs and disburse- CIAL ORDER IS ENTERED UNDER m e n t s , i n c l u d i n g a t t o r n e y s ' f e e s MINNESOTA STATUTES, SECTION allowed by law subject to redemption 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G within six (6) months from the date of OTHER THINGS, THAT THE MORTsaid sale by the mortgagor(s), their GAGED PREMISES ARE IMPROVED personal representatives or assigns WITH A RESIDENTIAL DWELLING OF unless reduced to Five (5) weeks under LESS THAN FIVE UNITS, ARE NOT MN Stat. §580.07.

PROPERTY USED IN AGRICULTURAL TIME AND DATE TO VACATE PROP- PRODUCTION, AND ARE ABANDONED. ERTY: If the real estate is an DATED: November 12, 2009 owner-occupied, single-family dwellMORTGAGEE: U.S. Bank ing, unless otherwise provided by law, National Association ND the date on or before which the mort- Wilford & Geske, P.A. gagor(s) must vacate the property if the Attorneys for Mortgagee mortgage is not reinstated under sec- Lawrence A. Wilford tion 580.30 or the property is not James A. Geske redeemed under section 580.23 is 8425 Seasons Parkway, Suite 105 11:59 p.m. on July 21, 2010.

Woodbury, MN 55125-4393 MORTGAGOR(S) RELEASED FROM (651) 209-3300 FINANCIAL OBLIGATION ON MORT- File Number: 009767F01 GAGE: None 1979577 11/19-12/24/09 "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPNOTICE OF MORTGAGE RESENTATIVES OR ASSIGNS, MAY BE FORECLOSURE SALE REDUCED TO FIVE WEEKS IF A JUDITHE RIGHT TO VERIFICATION OF CIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION THE DEBT AND IDENTITY OF THE 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G ORIGINAL CREDITOR WITHIN THE OTHER THINGS, THAT THE MORT- T I M E P R O V I D E D B Y L A W I S N O T GAGED PREMISES ARE IMPROVED AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT default has occurred in conditions of PROPERTY USED IN AGRICULTURAL the following described mortgage: DATE OF MORTGAGE: J u n e 2 7 , P R O D U C T I O N , A N D A R E 2003 ABANDONED." MORTGAGORS: Adam C. Steffen and Dated: November 9, 2009.

B a y v i e w L o a n S e r v i c i n g , L L C Jamie J. Steffen, both single.

MORTGAGEE: U.S. Bank, N.A. Mortgagee/Assignee of Mortgagee DATE AND PLACE OF RECORDING: USSET, WEINGARDEN AND LIEBO, Registered September 19, 2003, P.L.L.P. Dakota County Registrar of Titles, By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Document No. 514811, Certificate of Title No. 129320.

Mortgagee ASSIGNMENTS OF MORTGAGE: 4500 Park Glen Road #300 NONE Minneapolis, MN 55416 Said Mortgage being Registered (952) 925-6888 Land.

90-1444 TRANSACTION AGENT: NONE 0000400951 TRANSACTION AGENT'S MORTTHIS IS A COMMUNICATION FROM GAGE IDENTIFICATION NUMBER ON A DEBT COLLECTOR. 1982675 11/19-12/24/09 MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: U.S. Bank, N.A. NOTICE OF MORTGAGE RESIDENTIAL MORTGAGE SERFORECLOSURE SALE VICER: U.S. Bank Home Mortgage NOTICE IS HEREBY GIVEN that MORTGAGED PROPERTY ADDRESS: default has occurred in the conditions 5205 Hummingbird Lane, Farmington, of the following described mortgage: MN 55024 DATE OF MORTGAGE: January 30, TAX PARCEL I.D.#: 14-82501-152-08 2008 LEGAL DESCRIPTION OF PROPORIGINAL PRINCIPAL AMOUNT OF ERTY: MORTGAGE: $225,000.00 Unit No. 152, Common Interest MORTGAGOR(S): Javier Contreras Community No. 323, a condominium, and Alicia Palacios, husband and wife Vermillion Grove Condominiums, MORTGAGEE: U.S. Bank National Dakota County, Minnesota.

Association ND COUNTY IN WHICH PROPERTY IS DATE AND PLACE OF RECORDING: LOCATED: Dakota Recorded: February 15, 2008 Dakota ORIGINAL PRINCIPAL AMOUNT OF County Recorder, Document Number: MORTGAGE: $140,750.00 2572582 AMOUNT DUE AND CLAIMED TO BE Transaction Agent: Not Applicable DUE AS OF DATE OF NOTICE, INCLUDTransaction Agent Mortgage Identifi- ING TAXES, IF ANY, PAID BY MORTcation Number: Not Applicable GAGEE: $133,151.37 Lender or Broker: U.S. Bank National That prior to the commencement of Association ND this mortgage foreclosure proceeding Residential Mortgage Servicer: U.S. Mortgagee/Assignee of Mortgagee comBank Consumer Finance plied with all notice requirements as Mortgage Originator: Not Applicable required by statute; That no action or COUNTY IN WHICH PROPERTY IS proceeding has been instituted at law LOCATED: Dakota or otherwise to recover the debt Property Address: 801 Knob Hill Rd, secured by said mortgage, or any part Burnsville, MN 55337-4345 thereof; Tax Parcel ID Number: PURSUANT to the power of sale con02-42700-011-00 tained in said mortgage, the above L E G A L D E S C R I P T I O N O F P R O P - described property will be sold by the ERTY: That part of Outlot 1, Knob Sheriff of said county as follows: Hill, lying westerly of the westerly DATE AND TIME OF SALE: January right-of-way of Trunk Highway 35W, 19, 2010 at 10:00 AM and lying northerly of a line drawn PLACE OF SALE: S h e r i f f ' s O f f i c e , parallel to and 143 feet (measured at Law Enforcement Center, 1580 Hwy right angles) northerly of the south 55, Lobby #S-100, Hastings, MN line of said Outlot 1, Dakota County, to pay the debt then secured by said Minnesota.

Mortgage, and taxes, if any, on said AMOUNT DUE AND CLAIMED TO BE premises, and the costs and disburseDUE AS OF DATE OF NOTICE: $235,037.44 ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� ��� ���� ������ 5 8 2������ . 0 3 2 , D E T������� ERMINING, AMONG OTHER THINGS, THAT THE MORT���������� ���� ��������� premises, and the costs and disburse ments, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 19, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 6, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-499 7890820667 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1981736 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: February 27, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $279,000.00 MORTGAGOR(S): Anthony Hoffman, a single man MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: March 22, 2007 Dakota County Recorder, Document Number: 2504250 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100025440003675342 Lender or Broker: Lehman Brothers Bank, FSB Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 5767 191st St W, Farmington, MN 55024-6600 Tax Parcel ID Number: 14-77501-180-01 LEGAL DESCRIPTION OF PROPERTY: Lot 18, Block 1, Troyhill Second Addition, according to the recorded plat thereof, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $296,032.19 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG

GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009980F01 1981706 11/19-12/24/09

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE THE 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 26, 2004 MORTGAGOR: A n g e l i q u e M . Z i e r mann, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded June 23, 2004, Dakota County Recorder, Document No. 2218775.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: November 18, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100061904146000051 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Summit Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 13700 Heather Hills Drive, Burnsville, MN 55337 T A X P A R C E L I . D . # : 02-32252-050-04 LEGAL DESCRIPTION OF PROPERTY: Lot 5, Block 4, Heather Hills Third Addition.

Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $146,850.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $140,171.93 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: February 9, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 9, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 2, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2792 8422559 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2006730 12/10/09-1/14/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 25, 2006 MORTGAGORS: Ronald L. Bakeberg and Tammy L Bakeberg, husband and wife.

MORTGAGEE: Beneficial Loan and Thrift Company.

DATE AND PLACE OF RECORDING: Recorded June 5, 2006, Dakota County Recorder, Document No. 2435058.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Beneficial Loan and Thrift Company RESIDENTIAL MORTGAGE SERVICER: HSBC Bank USA, N.A. MORTGAGED PROPERTY ADDRESS: 900 Dodd Road, West Saint Paul, MN 55118 TAX PARCEL I.D.#: 42-73600-070-02 LEGAL DESCRIPTION OF PROPERTY: Lot 7 AND THE NORTHEASTERLY 6 FEET OF LOT 6, ALL IN BLOCK 2, SWEENEY'S SECOND ADDITION TO SAINT PAUL COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $231,192.55 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $255,818.35 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 30, 2009.

Beneficial Loan and Thrift Co. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 43-211 0014331177 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2003625 12/10/09-1/14/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 09, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $155,000.00 MORTGAGOR(S): Diem Thi Ha and Hung Van Nguyen, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: August 21, 2007 Dakota County Recorder, Document Number: 2538825 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, L.P., Dated: November 16, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc.

tronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100133700023583845 Lender or Broker: Countrywide Bank, FSB Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4418 Fremont Alcove #32, Eagan, MN 55122 Tax Parcel ID Number: 10-17790-032-02 LEGAL DESCRIPTION OF PROPERTY: Unit 32, Common Interest Community No. 125, Cliff Lake Courthomes, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $156,551.25 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010233F01 1981879 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 2 8 , 2003 MORTGAGORS: John E. Hertel and Purisima T. Hertel, husband and wife.

MORTGAGEE: C e n d a n t M o r t g a g e Corporation d/b/a Burnet Home Loans n/k/a PHH Mortgage Corporation.

DATE AND PLACE OF RECORDING: Registered May 2, 2003, Dakota County Registrar of Titles, Document No. 498147, Certificate of Title No. 127906.

ASSIGNMENTS OF MORTGAGE: Assigned to: Mortgage Electronic Registration Systems, Inc, Dated: February 10, 2009, Recorded: April 24, 2009, Document No. T642635. And thereafter assigned to: CitiMortgage, Inc, Dated: October 13, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Cendant Mortgage Corporation d/b/a Burnet Home Loans n/k/a PHH Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 517 Spruce Street, Eagan, MN 55123 TAX PARCEL I.D.#: 10-57650-150-01 LEGAL DESCRIPTION OF PROPERTY: Lot Fifteen, Block One, Pinetree Forest COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $311,200.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORT-

ING TAXES, IF ANY, PAID BY MORT GAGEE: $292,632.71 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 20, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 20, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 6, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2469 1120082327 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1981715 11/19-12/24/09

PUBLIC NOTICE NOTICE OF ASSESSMENT LIEN

FORECLOSURE SALE Date: October 29, 2009 YOU ARE NOTIFIED THAT: 1. Default has occurred in the terms and conditions of the Declaration of Gardenview Place Association (hereinafter the "Association") which was recorded as Document No. 1109609 on March 29, 1993, in the Office of the Dakota County Recorder, covering the following property: L E G A L D E S C R I P T I O N : Lot 2, Block 1, Gardenview Place First Addition, Dakota County, Minnesota STREET ADDRESS: 14306 Hickory Court, Apple Valley, MN 55124 P A R C E L I D N U M B E R : 01-28950-020-01 2. Pursuant to said Declaration, there is claimed to be due and owing as of October 29, 2009, from Diana G. Williams, title holder, to the Association, a Minnesota non-profit corporation, the amount of $10,099.36 for unpaid association dues, late fees, attorneys fees and costs, plus any other such amounts that will accrue after October 29, 2009, and other costs of collection and foreclosure which will be added to the amount claimed due and owing at the time of the sale herein.

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

4. That all preforeclosure requirements have been met.

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

6. The Declaration, referenced above provides for a continuing lien against the property. An Amended and Superceding Notice of Lien evidencing the amount due was recorded on September 30, 2009, as Document No. 2687540 in the Dakota County Recorder's Office, amending Notice of Lien filed November 10, 2008 as Document No. 2622162.

7. Pursuant to the power of sale contained in the same Declaration and granted by the owner in taking title to the premises subject to said Declaration, said Lien will be foreclosed by the sale of said property by the Sheriff of Dakota County, at the Dakota County Sheriffs Office, Dakota County Law Enforcement Center, 1580 Highway 55 Lobby S-100, Hastings, MN 55033, on the 7th day of January, 2010, at 10:00 a.m. at public auction to the highest bidder, to pay the amount then due for said assessments, together with the costs of foreclosure, including attorneys fees as allowed by law.

8. The time allowed by law for redemption by the unit owner, her personal representatives or assigns is six (6) months from the date of sale. The

(6) months from the date of sale. The date and time to vacate the property is 11:59 p.m. on July 7, 2010, if the account is not reinstated or the owner does not redeem from the foreclosure sale.

REDEMPTION NOTICE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. 9. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. GARDENVIEW PLACE ASSOCIATION Attorneys for Gardenview Place Association: THOMSEN & NYBECK, P.A. By: Gretchen S. Schellhas (#195595) 3600 American Blvd. West, Suite 400 Bloomington, Minnesota 55431 (952) 835-7000 (Gardenview Place/Williams/09-7-635D) 1981901 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: February 25, 2008 MORTGAGORS: Samantha M. Randle and Hilton Randle, wife and husband.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered March 18, 2008, Dakota County Registrar of Titles, Document No. 625279, Certificate of Title No. 133315.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: October 30, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100196800031199263 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Home Loan Center Inc., d/b/a Lendingtree Loans RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 3712 73rd Street East, Inver Grove Heights, MN 55076 TAX PARCEL I.D.#: 20-71151-070-02 LEGAL DESCRIPTION OF PROPERTY: Lot 7, Block 2, South Grove No. 2, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $210,308.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $217,543.10 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 19, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 19, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT

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LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 6, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-505 6850059285 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1981775 11/19-12/24/09

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE:O c t o b e r 1 4 , 2003 MORTGAGOR:Shiguang Tian, a married person.

MORTGAGEE:Discover Mortgage.

DATE AND PLACE OF RECORDING: Recorded November 26, 2003, Dakota County Recorder, Document No. 2145532.

ASSIGNMENTS OF MORTGAGE: Assigned to: ABN AMRO Mortgage Group, Inc NKA CitiMortgage, Inc., Dated: October 14, 2003, Recorded: May 24, 2004, Document No. 2207676.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Discover Mortgage RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 16119 North Flagstaff Court, Rosemount, MN 55068 T A X P A R C E L I . D . # : 22-51351-060-01 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 1, Niakwa Village 2nd Addition.

Dakota County COUNTY IN WHICH PROPERTY IS LOCATED:Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE:$154,850.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE:$146,053.61 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 11, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

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

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: December 4, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2867 640970535 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2007118 12/10/09-1/14/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 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, N.A., 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: 14-50505-040-02 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: $226,883.00 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 03, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on June 03, 2010, or the next business day if June 03, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 15, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank, N.A. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008966F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 03, 2009 at 10:00 AM has been postponed to March 11, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 03, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank, N.A. Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008966F01 2003240 12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of

default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: December 22, 2006 MORTGAGORS: J o s e W . J i m e n e z and Sandra A. Jimenez, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered January 16, 2007, Dakota County Registrar of Titles, Document No. 604329, Certificate of Title No. 122651.

ASSIGNMENTS OF MORTGAGE: Assigned to: Deutsche Bank National Trust Company, as Trustee for NovaStar Mortgage Funding Trust, Series 2007-1, Dated: October 30, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100080190062543418 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: NovaStar Mortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: Saxon Mortgage Services, Inc. MORTGAGED PROPERTY ADDRESS: 15792 Highview Drive, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-44202-120-04 LEGAL DESCRIPTION OF PROPERTY: Lot 12, Block 4, Lac Lavon Shores 3rd Addition, according to the recorded plat thereof, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $565,600.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $577,559.13 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 6, 2009.

Deutsche Bank National Trust Company, as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 84-587 2000410718 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982525 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 1 4 , 2007 MORTGAGORS: Thomas Q. Seaberg and Jamie L. Seaberg, husband and wife.

MORTGAGEE: C H A S E B A N K U S A , N.A. DATE AND PLACE OF RECORDING: Recorded March 22, 2007, Dakota County Recorder, Document No. 2504636.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: June 10, 2009, Recorded:

LLC, Dated: June 10, 2009, Recorded: June 24, 2009, Document No. 2666349.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: CHASE BANK USA, N.A. RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance, LLC MORTGAGED PROPERTY ADDRESS: 1156 9th Avenue South, South Saint Paul, MN 55075 TAX PARCEL I.D.#: 36-32350-110-02 LEGAL DESCRIPTION OF PROPERTY: Lot 11 and the South 12 feet of Lot 10, Block 2, Together with 1/2 of the vacated adjacent alley which accrued there to by reason of vacation thereof, Helena Addition. Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $206,465.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $236,606.96 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 16, 2009.

Chase Home Finance, LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 75-3661 24299901 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982853 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: December 22, 2003 MORTGAGORS: Eric Petersen and Eryn Petersen, HUSBAND AND WIFE. MORTGAGEE: Abn Amro Mortgage Group, Inc. NKA CitiMortgage, Inc..

DATE AND PLACE OF RECORDING: Registered April 7, 2004, Dakota County Registrar of Titles, Document No. 534059, Certificate of Title No. 131358.

ASSIGNMENTS OF MORTGAGE: NONE Said Mortgage being Registered Land.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Abn Amro Mortgage Group, Inc. NKA CitiMortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 19904 English Street, Farmington, MN 55024 TAX PARCEL I.D.#: 14-82500-010-06 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 6, Vermillion Grove.

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������ ������ ������� ���the ���� Lot 1, Block 6, Vermillion Grove. six (6) �������� months from date of said sale by the mortgagor(s), their perDakota County COUNTY IN WHICH PROPERTY IS sonal representatives or assigns.

If the Mortgage is not reinstated LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF under Minn. Stat. §580.30 or the propMORTGAGE: $304,150.00 erty is not redeemed under Minn. Stat.

AMOUNT DUE AND CLAIMED TO BE §580.23, the Mortgagor must vacate DUE AS OF DATE OF NOTICE, INCLUD- the property on or before 11:59 p.m. on ING TAXES, IF ANY, PAID BY MORT- July 07, 2010, or the next business day GAGEE: $275,639.40 if July 07, 2010 falls on a Saturday, That prior to the commencement of Sunday or legal holiday. this mortgage foreclosure proceeding Mortgagor(s) released from financial Mortgagee/Assignee of Mortgagee com- obligation: NONE plied with all notice requirements as THIS COMMUNICATION IS FROM required by statute; That no action or A DEBT COLLECTOR ATTEMPTproceeding has been instituted at law ING TO COLLECT A DEBT. ANY 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 INFORMATION OBTAINED WILL BE secured by said mortgage, or any part USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF thereof; PURSUANT to the power of sale con- THE DEBT AND IDENTITY OF THE tained in said mortgage, the above ORIGINAL CREDITOR WITHIN THE described property will be sold by the T I M E P R O V I D E D B Y L A W I S N O T Sheriff of said county as follows: AFFECTED BY THIS ACTION. DATE AND TIME OF SALE: January THE TIME ALLOWED BY LAW FOR 21, 2010 at 10:00 AM REDEMPTION BY THE MORTGAGOR, PLACE OF SALE: S h e r i f f ' s O f f i c e , THE MORTGAGOR'S PERSONAL REPLaw Enforcement Center, 1580 Hwy RESENTATIVES OR ASSIGNS, MAY BE 55, Lobby #S-100, Hastings, MN REDUCED TO FIVE WEEKS IF A JUDIto pay the debt then secured by said CIAL ORDER IS ENTERED UNDER Mortgage, and taxes, if any, on said MINNESOTA STATUTES, SECTION premises, and the costs and disburse- 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G 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 OTHER THINGS, THAT THE MORTallowed by law subject to redemption GAGED PREMISES ARE IMPROVED within six (6) months from the date of WITH A RESIDENTIAL DWELLING OF said sale by the mortgagor(s), their LESS THAN FIVE UNITS, ARE NOT personal representatives or assigns PROPERTY USED IN AGRICULTURAL unless reduced to Five (5) weeks under PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 MN Stat. §580.07.

MORTGAGEE: Mortgage ElecTIME AND DATE TO VACATE PROPtronic Registration Systems, Inc. ERTY: If the real estate is an owner-occupied, single-family dwell- Wilford & Geske, P.A. ing, unless otherwise provided by law, Attorneys for Mortgagee the date on or before which the mort- Lawrence A. Wilford gagor(s) must vacate the property if the James A. Geske mortgage is not reinstated under sec- 8425 Seasons Parkway, Suite 105 tion 580.30 or the property is not Woodbury, MN 55125-4393 redeemed under section 580.23 is (651) 209-3300 11:59 p.m. on July 21, 2010.

File Number: 009978F01 11/19-12/24/09 MORTGAGOR(S) RELEASED FROM 1981696 FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR NOTICE OF MORTGAGE REDEMPTION BY THE MORTGAGOR, FORECLOSURE SALE THE MORTGAGOR'S PERSONAL REPTHE RIGHT TO VERIFICATION OF RESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDI- THE DEBT AND IDENTITY OF THE CIAL ORDER IS ENTERED UNDER ORIGINAL CREDITOR WITHIN THE MINNESOTA STATUTES, SECTION T I M E P R O V I D E D B Y L A W I S N O T 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED default has occurred in conditions of WITH A RESIDENTIAL DWELLING OF the following described mortgage: DATE OF MORTGAGE: July 25, 2003 LESS THAN FIVE UNITS, ARE NOT MORTGAGORS: Paul J. Archambeau PROPERTY USED IN AGRICULTURAL and Nicole M.D. Archambeau, husP R O D U C T I O N , A N D A R E band and wife.

ABANDONED." MORTGAGEE: ABN AMRO Mortgage Dated: November 9, 2009.

Group, Inc nka CitiMortgage, Inc. CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Mortgagee/Assignee of Mortgagee Recorded September 10, 2003, Dakota USSET, WEINGARDEN AND LIEBO, C o unty Recorder, Document No. P.L.L.P. 2107084.

By: Paul A. Weingarden ASSIGNMENTS OF MORTGAGE: Attorneys for Mortgagee/Assignee of NONE Mortgagee TRANSACTION AGENT: NONE 4500 Park Glen Road #300 TRANSACTION AGENT'S MORTMinneapolis, MN 55416 GAGE IDENTIFICATION NUMBER ON (952) 925-6888 MORTGAGE: NONE 10-2696 LENDER OR BROKER AND MORT642482834 GAGE ORIGINATOR STATED ON THIS IS A COMMUNICATION FROM MORTGAGE: ABN AMRO Mortgage A DEBT COLLECTOR. 1982466 11/19-12/24/09 Group, Inc nka CitiMortgage, Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 1076 South Smith Avenue, West Saint NOTICE OF MORTGAGE Paul, MN 55118 FORECLOSURE SALE NOTICE IS HEREBY GIVEN that TAX PARCEL I.D.#: 42-34900-030-00 default has occurred in the conditions LEGAL DESCRIPTION OF PROPof the following described mortgage: ERTY: DATE OF MORTGAGE: September Lot 3, Emma E. Icklers Addition to 22, 2006 West St. Paul ORIGINAL PRINCIPAL AMOUNT OF COUNTY IN WHICH PROPERTY IS MORTGAGE: $410,000.00 LOCATED: Dakota MORTGAGOR(S): Lisa L Fitch and ORIGINAL PRINCIPAL AMOUNT OF Sean W. Fitch, wife and husband MORTGAGE: $251,650.00 MORTGAGEE: Mortgage Electronic AMOUNT DUE AND CLAIMED TO BE Registration Systems, Inc. DUE AS OF DATE OF NOTICE, INCLUDDATE AND PLACE OF REGISTER- ING TAXES, IF ANY, PAID BY MORTING: Registered: October 04, 2006 GAGEE: $231,205.78 Dakota County Registrar of Titles, That prior to the commencement of Document Number: 598854 this mortgage foreclosure proceeding Transaction Agent: Mortgage Elec- Mortgagee/Assignee of Mortgagee comtronic Registration Systems, Inc. plied with all notice requirements as Transaction Agent Mortgage Identifi- required by statute; That no action or cation Number: 100024200014443192 proceeding has been instituted at law Lender or Broker: American Brokers 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 Conduit secured by said mortgage, or any part R e s i d e n t i a l M o r t g a g e S e r v i c e r : thereof; Aurora Loan Services, LLC PURSUANT to the power of sale conMortgage Originator: Not Applicable tained in said mortgage, the above CERTIFICATE OF TITLE NUMBER: described property will be sold by the 138986 Sheriff of said county as follows: COUNTY IN WHICH PROPERTY IS DATE AND TIME OF SALE: January LOCATED: Dakota 21, 2010 at 10:00 AM Property Address: 17326 Galle Ct, PLACE OF SALE: S h e r i f f ' s O f f i c e , Lakeville, MN 55044-4471 Law Enforcement Center, 1580 Hwy T a x P a r c e l I D N u m b e r : 55, Lobby #S-100, Hastings, MN 22-18600-060-03 to pay the debt then secured by said L E G A L D E S C R I P T I O N O F P R O P - Mortgage, and taxes, if any, on said ERTY: Lot Six (6), Block Three (3), premises, and the costs and disburseCrossroads 1st Addition ments, including attorneys' fees AMOUNT DUE AND CLAIMED TO BE allowed by law subject to redemption D U E A S O F D A T E O F N O T I C E : within six (6) months from the date of $438,434.73 said sale by the mortgagor(s), their THAT all pre-foreclosure require- personal representatives or assigns ments have been complied with; that unless reduced to Five (5) weeks under no action or proceeding has been insti- MN Stat. §580.07. tuted at law or otherwise to recover the TIME AND DATE TO VACATE PROPdebt secured by said mortgage, or any E R T Y : I f t h e r e a l e s t a t e i s a n part thereof; that this is registered owner-occupied, single-family dwellproperty; ing, unless otherwise provided by law, PURSUANT to the power of sale con- the date on or before which the mortt a i n e d i n s a i d m o r t g a g e , t h e gagor(s) must vacate the property if the above-described property will be sold mortgage is not reinstated under secby the Sheriff of said county as fol- tion 580.30 or the property is not lows: redeemed under section 580.23 is DATE AND TIME OF SALE: January 11:59 p.m. on July 21, 2010.

07, 2010 at 10:00 AM MORTGAGOR(S) RELEASED FROM PLACE OF SALE: Dakota County FINANCIAL OBLIGATION ON MORTLaw Enforcement Center, 1580 High- GAGE: None way 55, Lobby S-100, Hastings, Minne"THE TIME ALLOWED BY LAW FOR sota REDEMPTION BY THE MORTGAGOR, to pay the debt secured by said mort- THE MORTGAGOR'S PERSONAL REPgage and taxes, if any, on said pre- RESENTATIVES OR ASSIGNS, MAY BE mises and the costs and disburse- REDUCED TO FIVE WEEKS IF A JUDIments, including attorney fees allowed CIAL ORDER IS ENTERED UNDER by law, subject to redemption within six (6) months from the date of said ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� ��� ���� ������ ������ ������� ���������� ���� ��������� CIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 6, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2576 636472545 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1981075 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 22, 2002 MORTGAGORS: M i c h a e l R . C l e m ents and Anathea T. Clements, husband and wife.

MORTGAGEE: Citizens State Bank.

DATE AND PLACE OF RECORDING: Recorded June 28, 2002, Dakota County Recorder, Document No. 1911078.

ASSIGNMENTS OF MORTGAGE: Assigned to: Principal Residential Mortgage, Inc n/k/a CitiMortgage, Inc, Dated: April 22, 2002, Recorded: June 28, 2002, Document No. 1911079.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Citizens State Bank RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 15747 Cicerone Path, Rosemount, MN 55068 TAX PARCEL I.D.#: 34-30250-040-01 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 1, Geronime Pond COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $157,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $146,384.42 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 26, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 26, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 23, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2724 770067827 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1996683 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: November 23, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $169,600.00 MORTGAGOR(S): Edward A. Timek and Lisa Timek, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: December 21, 2005 Dakota County Registrar of Titles, Document Number: 581479 ASSIGNMENTS OF MORTGAGE: And assigned to: The Bank of New York Mellon fka the Bank of New York as Trustee for the Certificateholders CWALT, Inc. Alternative Loan Trust 2005-81 Mortgage Pass-through Certificates, Series 2005-81, Dated: October 05, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100133700010855164 Lender or Broker: Countrywide Bank, N.A. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 138438 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 305 Pinewood Dr, Apple Valley, MN 55124-9323 Tax Parcel ID Number: 011170201007 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 7, Apple Valley Third Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $193,967.09 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 05, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 05, 2010, or the next business day if July 05, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: The Bank of New York Mellon fka the Bank of New York as Trustee for the Certificateholders CWALT, Inc. Alternative Loan Trust 2005-81 Mortgage Pass-through Certificates, Series 2005-81 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 005708F02 1982074 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF AND IDENTITY OF THE DEBT THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: July 27, 2001 MORTGAGOR: Melissa M. Barott, a single person.

MORTGAGEE: TCF Mortgage Corporation.

DATE AND PLACE OF RECORDING: Recorded August 30, 2001, Dakota County Recorder, Document No.

County Recorder, Document No. 1807862.

ASSIGNMENTS OF MORTGAGE: Assigned to: The Leader Mortgage Company s/b/m to U.S. Bank, N.A., Dated: January 10, 2002, Recorded: January 17, 2002, Document No. 1851783.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: TCF Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 1917 Kathleen Drive West, Saint Paul, MN 55118 TAX PARCEL I.D.#: 42-63450-130-07 LEGAL DESCRIPTION OF PROPERTY: Lot 13, Block 7, A.E. Rehnberg's Southview Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $120,671.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $119,926.30 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 10, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-524 9900135225 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982553 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 26, 1993 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $75,293.00 MORTGAGOR(S): Barbara A Pickar, a single woman MORTGAGEE: Directors Mortgage Loan Corporation DATE AND PLACE OF RECORDING: Recorded: October 06, 1993 Dakota County Recorder, Document Number: 1156906 ASSIGNMENTS OF MORTGAGE: And assigned to: Norwest Mortgage, Inc. Dated: August 02, 1996 Recorded: November 25, 1996 Dakota County Recorder, Document Number: 1390160 And assigned to: BAC Home Loans Servicing, L.P., Dated: November 12, 2009 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Directors Mortgage Loan Corporation Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 135 14th Ave S, South Saint Paul, MN 55075-2125 Tax Parcel ID Number: 36-83900-220-01

36 83900 220 01 LEGAL DESCRIPTION OF PROPERTY: Lot 22, Block 1, Wharton and Miller's Addition to the City of South St. Paul, according to the recorded plat thereof on file and of record in the Office of the County Recorder, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $57,949.30 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 05, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 05, 2010, or the next business day if July 05, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009702F01 1982933 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: January 19, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $151,200.00 MORTGAGOR(S): Steven G. Morgenstern and Kimberly A. Morgenstern, husband and wife MORTGAGEE: Associated Bank Minnesota, N.A. DATE AND PLACE OF RECORDING: Recorded: February 22, 2004 Dakota County Recorder, Document Number: 2187850 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Associated Bank Minnesota, N.A. Residential Mortgage Servicer: Associated Bank - WI Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 284 Annapolis St E, Saint Paul, MN 55118-1601 Tax Parcel ID Number: 42-47700-160-01 LEGAL DESCRIPTION OF PROPERTY: Lots 15 and 16, Block 1, McClung & McMurran's Addition to St. Paul, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $148,358.78 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

sonal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 MORTGAGEE: Associated Bank Minnesota, N.A. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009963F01 1979856 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: April 24, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $170,400.00 MORTGAGOR(S): Tally J. Peterson fka Tally J. Brader and David J. Peterson, wife and husband MORTGAGEE: Merchants Bank, National Association DATE AND PLACE OF RECORDING: Recorded: May 30, 2003 Dakota County Recorder Document Number: 2054977 ASSIGNMENTS OF MORTGAGE: And assigned to: TCF Mortgage Corporation, Dated: April 24, 2003, Recorded: May 30, 2003 Dakota County Recorder Document Number: 2054978 And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: May 01, 2006, Recorded: May 10, 2006 Dakota County Recorder Document Number: 2427996 And assigned to: U.S. Bank National Association, Dated: November 04, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001859030 Lender or Broker: Merchants Bank, National Association Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 15947 Harmony Way, Apple Valley, MN 55124-7067 Tax Parcel ID Number: 01-45801-370-08 LEGAL DESCRIPTION OF PROPERTY: Lot 37, Block 8, Longridge Second Addition, according to the recorded plat thereof, and situate in Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $159,537.52 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE

RESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009857F01 1981625 11/19-12/24/09

PUBLIC NOTICE NOTICE OF ASSESSMENT LIEN

FORECLOSURE SALE Date: November 10, 2009 YOU ARE NOTIFIED THAT: 1. Default has occurred in the terms and conditions of the Declarations for Diffley Commons 2nd Addition Villas and Garden Homes Homeowners Association (hereinafter the "Association") which was recorded as Document No. 1189722 on January 31, 1994, in the Office of the Dakota County Recorder, as amended, and also, pursuant to Minn. Stat. §515B.3-116, covering the following property: LEGAL DESCRIPTION: Unit No. 105, Condominium File No. 116, Diffley Commons 2nd Addition, Villas and Garden Homes, a condominium, Dakota County, Minnesota S T R E E T A D D R E S S : 1932 Sapphire Point, #105, Eagan, Minnesota 55122 TAX PARCEL ID NUMBER: 10-20451-105-04 2. Pursuant to said Declaration, there is claimed to be due and owing as of November 10, 2009, from John Altstatt and Beverly Altstatt, title holders, to the Association, a Minnesota non-profit corporation, the amount of $2,527.98 for unpaid association dues, late fees, attorneys fees and costs, plus any other such amounts that will accrue after November 10, 2009, and other costs of collection and foreclosure which will be added to the amount claimed due and owing at the time of the sale herein.

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

4. That all preforeclosure requirements have been met.

5. The owners have not been released from their financial obligation to pay said amount.

6. The Declaration, referenced above, 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 October 2, 2009, as Document No. 2688131 in the Dakota County Recorder's Office.

7. Pursuant to the power of sale contained in the same Declaration and granted by the owners in taking title to the premises subject to said Declaration and pursuant to Minn. Stat. §§515B.3-115 and 515B.3-116, said Lien will be foreclosed by the sale of said property by the Sheriff of Dakota County, at the Dakota County Sheriff's Office, Dakota County Law Enforcement Center, 1580 Highway 55 Lobby S-100, Hastings, MN 55033, on the 19th day of January, 2010, at 10:00 a.m. at public auction to the highest bidder, to pay the amount then due for said assessments, together with the costs of foreclosure, including attorneys fees as allowed by law.

8. T h e t i m e a l l o w e d b y l a w f o r redemption by the unit owners, their personal representatives or assigns is six (6) months from the date of sale.

The date and time to vacate the property is 11:59 p.m. on July 19, 2010, if the account is not reinstated or the owners do not redeem from the foreclosure sale.

REDEMPTION NOTICE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGORS, THE MORTGAGORS' PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. 9. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. DIFFLEY COMMONS 2ND ADDITION VILLAS AND GARDEN HOMES HOMEOWNER'S ASSOCIATION Attorneys for Diffley Commons 2nd Addition Villas and Garden Homes Homeowner's Association: THOMSEN NYBECK By: Gretchen S. Schellhas (#195595) 3600 American Blvd. West, Suite 400 Bloomington, Minnesota 55431 (952) 835-7000 (Diffley Commons - Altstatt/08-7-674D) 1990227 11/26-12/31/09

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PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 25, 2003 MORTGAGOR: Cindy Szambelan, a single woman.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded January 7, 2004, Dakota County Recorder, Document No. 2161123.

ASSIGNMENTS OF MORTGAGE: Assigned to: Provident Funding Associates, L.P., Dated: October 28, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100017957131100448 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Provident Funding Associates, L.P. RESIDENTIAL MORTGAGE SERVICER: Provident Funding Associates, L.P. MORTGAGED PROPERTY ADDRESS: 5461 Upper 183rd Street West, Farmington, MN 55024 TAX PARCEL I.D.#: 14-19502-032-04 LEGAL DESCRIPTION OF PROPERTY: Unit No. 32, Sherbourne Deck Homes, A Condominium, Condominium Plat CIC No. 129 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $123,900.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $117,951.42 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 20, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 20, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 16, 2009.

Provident Funding Associates, L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-1496 5713110044 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991704 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: December 17, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $194,118.00 MORTGAGOR(S): Jason R. Mishica and Allison K. Mishica, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: February 22, 2005 Dakota County Recorder, Document Number:

County Recorder, Document Number: 2297927 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association, Dated: November 13, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100137510000175648 Lender or Broker: Lakeland Mortgage Corporation Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 2605 Brookview Dr, Burnsville, MN 55337-2143 Tax Parcel ID Number: 02-32901-480-01 LEGAL DESCRIPTION OF PROPERTY: Lot 48, Block 1, Highland Forest 2nd Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $187,016.36 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 14, 2010, or the next business day if July 14, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 26, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009707F01 1988549 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: January 07, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $201,000.00 MORTGAGOR(S): Martha Alicea and Robert Alicea, Wife and husband MORTGAGEE: Teacher Federal Credit Union DATE AND PLACE OF RECORDING: Recorded: January 31, 2005 Dakota County Recorder Document Number: 2290740 ASSIGNMENTS OF MORTGAGE: And assigned to: CU Members Mortgage Dated: January 07, 2005, Recorded: January 31, 2005 Dakota County Recorder Document Number: 2290741 And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: January 21, 2005, Recorded: June 03, 2005 Dakota County Recorder Document Number: 2327458 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100029003772041785 Lender or Broker: Teacher Federal Credit Union Residential Mortgage Servicer: Colonial Savings Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 502 7th Ave S, South Saint Paul, MN 55075-2703 Tax Parcel ID Number: 36-75100-300-02 LEGAL DESCRIPTION OF PROPERTY: Lot 30, and the North 1/2 of Lot 29, Block 2, Tarbox Addition to South St. Paul, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $209,543.44 THAT all pre-foreclosure require-

THAT all pre foreclosure require ments have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 14, 2010, or the next business day if July 14, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 25, 2009 ASSIGNEE OF MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 002048F02 1986362 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 1 5 , 2007 MORTGAGOR: M a r y J . R e i l a n d , a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered April 19, 2007, Dakota County Registrar of Titles, Document No. 609350, Certificate of Title No. 142371 ASSIGNMENTS OF MORTGAGE: Assigned to: Roosevelt Mortgage Acquisition Company, Dated: November 16, 2009 Said Mortgage Being Upon Registered Land TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100077910007363241 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Decision One Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: UBS MORTGAGED PROPERTY ADDRESS: 12924 Hamlet Avenue, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-32401-010-02 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 2, Heritage Hills 2nd Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $448,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $527,137.18 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said

Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 19, 2009.

Roosevelt Mortgage Acquisition Company Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-979 0335680327 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991719 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 22, 2005 MORTGAGORS: Vickie L. Starbeck and Robert W. Starbeck, wife and husband.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered December 15, 2005, Dakota County Registrar of Titles, Document No. 581148, Certificate of Title No. 102819.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: November 12, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100014440002927929 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: NetBank RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 24240 Idalia Avenue West, Lakeville, MN 55044 TAX PARCEL I.D.#: 13-24660-040-04 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 4, in Eureka Estates 1st Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $272,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $286,271.61 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM

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������ ������ ������� ��� ���� MORTGAGOR(S) RELEASED FROM By: Paul�������� A. Weingarden FINANCIAL OBLIGATION ON MORT- Attorneys for Mortgagee/Assignee of GAGE: None Mortgagee "THE TIME ALLOWED BY LAW FOR 4500 Park Glen Road #300 REDEMPTION BY THE MORTGAGOR, Minneapolis, MN 55416 THE MORTGAGOR'S PERSONAL REP- (952) 925-6888 RESENTATIVES OR ASSIGNS, MAY BE 60-2608 REDUCED TO FIVE WEEKS IF A JUDI- 3011349291 CIAL ORDER IS ENTERED UNDER THIS IS A COMMUNICATION FROM MINNESOTA STATUTES, SECTION A DEBT COLLECTOR. 11/26-12/31/09 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G 1991921 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 NOTICE IS HEREBY GIVEN that P R O D U C T I O N , A N D A R E default has occurred in the conditions ABANDONED." of the following described mortgage: Dated: November 16, 2009.

DATE OF MORTGAGE: July 07, 2003 Chase Home Finance LLC ORIGINAL PRINCIPAL AMOUNT OF Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, MORTGAGE: $192,000.00 MORTGAGOR(S): Shirley A Herding P.L.L.P. and David P. Herding, wife and husBy: Paul A. Weingarden band Attorneys for Mortgagee/Assignee of MORTGAGEE: Mortgage Electronic Mortgagee Registration Systems, Inc. 4500 Park Glen Road #300 DATE AND PLACE OF RECORDING: Minneapolis, MN 55416 Recorded: August 21, 2003 Dakota (952) 925-6888 County Recorder, Document Number: 30-7474 2098377 1974089451 AND CORRECTIVE MORTGAGE THIS IS A COMMUNICATION FROM RECORDING: February 07, 2006 A DEBT COLLECTOR. 1990375 11/26-12/31/09 Dakota County Recorder, Document Number: 2404021 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, L.P., Dated: November 25, 2009 NOTICE OF MORTGAGE Transaction Agent: Mortgage ElecFORECLOSURE SALE THE RIGHT TO VERIFICATION OF tronic Registration Systems, Inc. THE DEBT AND IDENTITY OF THE Transaction Agent Mortgage IdentifiORIGINAL CREDITOR WITHIN THE cation Number: 100177700000283499 TIME PROVIDED BY LAW IS NOT Lender or Broker: Home Town MortAFFECTED BY THIS ACTION. gage, Inc. NOTICE IS HEREBY GIVEN, that Residential Mortgage Servicer: BAC default has occurred in conditions of Home Loans Servicing, L.P. the following described mortgage: Mortgage Originator: Not Applicable DATE OF MORTGAGE: December 1, COUNTY IN WHICH PROPERTY IS 2006 LOCATED: Dakota MORTGAGORS: Kue Xiong and Kia Property Address: 716 5th St W, Vang, husband and wife.

Hastings, MN 55033-1712 MORTGAGEE: J P M o r g a n C h a s e Tax Parcel ID Number: Bank, National Association as succes- 19-10500-171-26 LEGAL DESCRIPTION OF PROPsor in interest to Washington Mutual ERTY: Lot 17, Block 26, Addition No. Bank, FA. DATE AND PLACE OF RECORDING: 13 to the City of Hastings Recorded December 29, 2006, Dakota AMOUNT DUE AND CLAIMED TO BE County Recorder, Document No. D U E A S O F D A T E O F N O T I C E : $179,202.78 2484952.

ASSIGNMENTS OF MORTGAGE: THAT all pre-foreclosure requireNONE ments have been complied with; that TRANSACTION AGENT: NONE no action or proceeding has been instiT R A N S A C T I O N A G E N T ' S M O R T - tuted at law or otherwise to recover the GAGE IDENTIFICATION NUMBER ON debt secured by said mortgage, or any part thereof; MORTGAGE: NONE LENDER OR BROKER AND MORTPURSUANT to the power of sale conGAGE ORIGINATOR STATED ON t a i n e d i n s a i d m o r t g a g e , t h e M O R T G A G E : W a s h i n g t o n M u t u a l above-described property will be sold Bank, FA by the Sheriff of said county as folR E S I D E N T I A L M O R T G A G E S E R - lows: VICER: JPMorgan Chase Bank, DATE AND TIME OF SALE: January National Association 21, 2010 at 10:00 AM MORTGAGED PROPERTY ADDRESS: PLACE OF SALE: Dakota County 3120 63rd Street East, Inver Grove Law Enforcement Center, 1580 HighHeights, MN 55076 way 55, Lobby S-100, Hastings, MinneTAX PARCEL I.D.#: 20-19500-010-03 sota L E G A L D E S C R I P T I O N O F P R O P - to pay the debt secured by said mortERTY: gage and taxes, if any, on said preLot 1, Block 3, Dakota Park mises and the costs and disburseCOUNTY IN WHICH PROPERTY IS ments, including attorney fees allowed LOCATED: Dakota by law, subject to redemption within ORIGINAL PRINCIPAL AMOUNT OF six (6) months from the date of said MORTGAGE: $188,000.00 sale by the mortgagor(s), their perAMOUNT DUE AND CLAIMED TO BE sonal representatives or assigns.

DUE AS OF DATE OF NOTICE, INCLUDIf the Mortgage is not reinstated ING TAXES, IF ANY, PAID BY MORT- under Minn. Stat. §580.30 or the propGAGEE: $193,762.51 erty is not redeemed under Minn. Stat.

That prior to the commencement of §580.23, the Mortgagor must vacate this mortgage foreclosure proceeding the property on or before 11:59 p.m. on Mortgagee/Assignee of Mortgagee com- July 21, 2010, or the next business day plied with all notice requirements as if July 21, 2010 falls on a Saturday, required by statute; That no action or Sunday or legal holiday. proceeding has been instituted at law Mortgagor(s) released from financial o r o t h e r w i s e t o r e c o v e r t h e d e b t obligation: NONE secured by said mortgage, or any part THIS COMMUNICATION IS FROM thereof; A DEBT COLLECTOR ATTEMPTPURSUANT to the power of sale con- ING TO COLLECT A DEBT. ANY tained in said mortgage, the above INFORMATION OBTAINED WILL BE described property will be sold by the USED FOR THAT PURPOSE. Sheriff of said county as follows: THE RIGHT TO VERIFICATION OF DATE AND TIME OF SALE: January THE DEBT AND IDENTITY OF THE 28, 2010 at 10:00 AM ORIGINAL CREDITOR WITHIN THE PLACE OF SALE: S h e r i f f ' s O f f i c e , T I M E P R O V I D E D B Y L A W I S N O T Law Enforcement Center, 1580 Hwy AFFECTED BY THIS ACTION. 55, Lobby #S-100, Hastings, MN THE TIME ALLOWED BY LAW FOR to pay the debt then secured by said REDEMPTION BY THE MORTGAGOR, Mortgage, and taxes, if any, on said THE MORTGAGOR'S PERSONAL REPpremises, and the costs and disburse- RESENTATIVES OR ASSIGNS, MAY BE m e n t s , i n c l u d i n g a t t o r n e y s ' f e e s REDUCED TO FIVE WEEKS IF A JUDIallowed by law subject to redemption CIAL ORDER IS ENTERED UNDER within six (6) months from the date of MINNESOTA STATUTES, SECTION said sale by the mortgagor(s), their 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G personal representatives or assigns OTHER THINGS, THAT THE MORTunless reduced to Five (5) weeks under GAGED PREMISES ARE IMPROVED MN Stat. §580.07.

WITH A RESIDENTIAL DWELLING OF TIME AND DATE TO VACATE PROP- LESS THAN FIVE UNITS, ARE NOT E R T Y : I f t h e r e a l e s t a t e i s a n PROPERTY USED IN AGRICULTURAL owner-occupied, single-family dwell- PRODUCTION, AND ARE ABANDONED. ing, unless otherwise provided by law, DATED: December 03, 2009 the date on or before which the mortASSIGNEE OF MORTGAGEE: BAC gagor(s) must vacate the property if the Home Loans Servicing, L.P. mortgage is not reinstated under sec- Wilford & Geske, P.A. tion 580.30 or the property is not Attorneys for Assignee of Mortgagee redeemed under section 580.23 is Lawrence A. Wilford 11:59 p.m. on July 28, 2010.

James A. Geske MORTGAGOR(S) RELEASED FROM 8425 Seasons Parkway, Suite 105 FINANCIAL OBLIGATION ON MORT- Woodbury, MN 55125-4393 GAGE: None (651) 209-3300 "THE TIME ALLOWED BY LAW FOR File Number: 010341F01 REDEMPTION BY THE MORTGAGOR, 1996409 12/3/09-1/7/10 THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDINOTICE OF MORTGAGE CIAL ORDER IS ENTERED UNDER FORECLOSURE SALE MINNESOTA STATUTES, SECTION RIGHT TO VERIFICATION OF THE 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORT- THE DEBT AND IDENTITY OF THE GAGED PREMISES ARE IMPROVED ORIGINAL CREDITOR WITHIN THE WITH A RESIDENTIAL DWELLING OF T I M E P R O V I D E D B Y L A W I S N O T LESS THAN FIVE UNITS, ARE NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E default has occurred in conditions of the following described mortgage: ABANDONED." DATE OF MORTGAGE: November 16, Dated: November 12, 2009.

2006 JPMorgan Chase Bank, N.A. MORTGAGORS: D a r r i n M H a n s o n Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, and Jodi A Hanson, husband and wife.

PUBLIC NOTICE

PUBLIC NOTICE

PUBLIC NOTICE

P.L.L.P. By: Paul A. Weingarden

���������� �� ���� �����

��� �������� ��� ���� ������ ������ ������� Assigned to: Deutsche Bank National Trust Company, as Trustee for NovaS���������� ���� ��������� and Jodi A Hanson, husband and wife.

MORTGAGEE: A M C M o r t g a g e S e r vices, Inc..

DATE AND PLACE OF RECORDING: Registered December 11, 2006, Dakota County Registrar of Titles, Document No. 602413, Certificate of Title No. 113826.

ASSIGNMENTS OF MORTGAGE: Assigned to: US Bank National Association as Trustee, in trust for the registered holders of Citigroup Mortgage Loan Trust 2007-AMC, Asset-Backed pass through certificates, series 2007-AMC2, Dated: November 24, 2006, Recorded: August 11, 2008, Document No. T631740. And thereafter assigned to: Mortgage Electronic Registration Systems, Inc, Dated: August 24, 2009, and by Doc # T640091. And thereafter assigned to CitiMOrtgage, Inc., Dated: August 25, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: AMC Mortgage Services, Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 17540 Finesse Trail, Farmington, MN 55024 TAX PARCEL I.D. #: 224162504001 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 1, Kenridge COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $329,067.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $373,156.74 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 13, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2201 9000173303 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991431 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: S e p t e m b e r 25, 2006 MORTGAGORS: Adrian D. Vega and Louise G. Vega, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded October 10, 2006, Dakota County Recorder, Document No. 2467192.

ASSIGNMENTS OF MORTGAGE: Assigned to: Deutsche Bank National

tar Mortgage Funding Trust, Series 2006-5, Dated: October 30, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100080190060021946 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: NovaStar Mortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: Saxon Mortgage Services, Inc. MORTGAGED PROPERTY ADDRESS: 233 Richmond Street West, South Saint Paul, MN 55075 TAX PARCEL I.D.#: 36-71500-090-44 LEGAL DESCRIPTION OF PROPERTY: The West 1/2 of Lot 8 and all of Lot 9, Block 44, Spring Park, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $188,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $195,952.42 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 6, 2009.

Deutsche Bank National Trust Company, as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 84-586 2000399058 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1986770 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 2 7 , 2006 MORTGAGOR: Rebecca K. Raiter, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded December 20, 2006, Dakota County Recorder, Document No. 2483108.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: November 18, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100177050500026331 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Cornerstone Mortgage Company RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 203 Ash Street West, South Saint Paul, MN 55075 TAX PARCEL I.D.#: 36-83300-010-03 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 3, Walter and Arthur Addition, Dakota County, Minnesota

Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $179,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $201,527.03 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 2, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 2, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 20, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7503 1914416061 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991971 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: July 22, 2005 MORTGAGORS: Mark A. Spanitz and Leslie A. Spanitz, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded August 22, 2005, Dakota County Recorder, Document No. 2352997.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: November 11, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100245400023623791 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Union Federal Bank of Indianapolis RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 6291 162nd Street, Rosemount, MN 55068 TAX PARCEL I.D.#: 22-21177-100-17 LEGAL DESCRIPTION OF PROPERTY: Lot 10, Block 17, Donnay's Valley Park 8th Addition, filed in Plat Doc # 1994378 Recorded 2/14/2003 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $184,362.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $189,961.06 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM

28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 13, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7445 1961024034 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1990294 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 29, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $107,525.00 MORTGAGOR(S): Mindy J. Wilson, a single person and Daniel J. Shoen, a single person MORTGAGEE: Optimum Mortgage Services, Inc. DATE AND PLACE OF REGISTERING: Registered: December 09, 2003 Dakota County Registrar of Titles, Document Number: 0523842 ASSIGNMENTS OF MORTGAGE: And assigned to: TCF Mortgage Corporation, Dated: August 29, 2003, Regist e r e d : D e c e m b e r 0 9 , 2 0 0 3 D a k o ta County Registrar of Titles, Document Number: 0523843 And assigned to: TCF National Bank, Dated: November 18, 2009 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Optimum Mortgage Services, Inc. Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 130175 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 3125 Cory Ln Apt 203, Hastings, MN 55033-3954 Tax Parcel ID Number: 19-73201-203-04 LEGAL DESCRIPTION OF PROPERTY: Unit No. 203, consisting of Residential Unit No. 203 and Garage Unit No. 203, Condominium No. 92, 3125 Sunny Acres Condominium a condominium, located in Dakota County, Minnesota, pursuant to the Declaration of Condominium with attached Condominium plat at Bylaws filed as Document No. 184888 in the Office of the Registrar of Titles in and for Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $103,028.34 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on

the property on or before 11:59 p.m. on July 14, 2010, or the next business day if July 14, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 26, 2009 ASSIGNEE OF MORTGAGEE: TCF National Bank Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009034F01 1988568 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 18, 2007 MORTGAGORS: P a u l S . V o i g t a n d Lois Idelle Voigt, husband and wife.

MORTGAGEE: J P M o r g a n C h a s e Bank, National Association as successor in interest to Washington Mutual Bank, FA. DATE AND PLACE OF RECORDING: Registered September 20, 2007, Dakota County Registrar of Titles, Document No. 617538, Certificate of Title No. 33688.

ASSIGNMENTS OF MORTGAGE: NONE Said Mortgage being Registered Land.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Washington Mutual Bank, FA RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 13745 Wellington Crest, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-18100-230-04 LEGAL DESCRIPTION OF PROPERTY: Lot Twenty-three (23), Block Four (4), Colonial Hills COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $336,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $338,279.07 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED

GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 13, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2606 3017359864 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991865 11/26-12/31/09

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 24, 2002 MORTGAGOR: Fatu Awoji, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded June 19, 2002, Dakota County Recorder, Document No. 1907596.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc, Dated: October 28, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100013900740746833 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Irwin Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 12984 Nicollet Avenue South #302, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-01300-678-16 LEGAL DESCRIPTION OF PROPERTY: Apartment No. 302, 12984 Nicollet Ave So., Apartment Ownership No. 15, Ridgeview Condominium Homes COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $67,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $57,955.38 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: January 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 17, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2646 401714127 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991339 11/26-12/31/09

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PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 2 7 , 2007 MORTGAGOR: G l e n W a c h o w i a k , a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered November 30, 2007, Dakota County Registrar of Titles, Document No. 620744, Certificate of Title No. 143928.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: November 5, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100131022700396025 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: American Mortgage Network, Inc. RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 14355 Eveleth Avenue, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-66701-220-04 LEGAL DESCRIPTION OF PROPERTY: Lot twenty-two (22), Block four (4), in Scottsbriar 2nd Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $212,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $227,235.36 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 27, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 27, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 13, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7410 1980225984 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1990348 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: January 17, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $131,000.00 MORTGAGOR(S): Ratanarutai Khamthanee and Thanom Khamthanee, wife and husband aka Rathanaruthai Khamthanie and Thanom Khamthanie, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc.

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

Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $123,238.95 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 11, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

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

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

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 2 3 , 2006 MORTGAGORS: S o v a n n H a n g a n d Sengdao Manivanh, wife and husband.

MORTGAGEE: Mortgage Electronic

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded March 31, 2006, Dakota County Recorder, Document No. 2417058.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc, Dated: October 27, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100013700078337001 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Wachovia Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 18821 Embers Avenue, Farmington, MN 55024 TAX PARCEL I.D.#: 14-58652-190-02 LEGAL DESCRIPTION OF PROPERTY: Lot 19, Block 2, Prairie Creek Third Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $213,600.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $220,097.95 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 19, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 19, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 17, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2630 12302017 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991311 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 2 2 , 2005 MORTGAGOR: Pennie Thompson, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded March 28, 2005, Dakota County Recorder, Document No. 2308065.

ASSIGNMENTS OF MORTGAGE: Assigned to: BAC Home Loans Servicing L.P. f/k/a Countrywide Home Loans Servicing L.P., Dated: November 2, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100038900010004658 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Voyager Bank RESIDENTIAL MORTGAGE SERVICER: BAC Home Loans Servicing L.P. MORTGAGED PROPERTY ADDRESS: 4614 Stonecliff Drive, Eagan, MN

4614 Stonecliff Drive, Eagan, MN 55122 TAX PARCEL I.D.#: 10.57661.040.01 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 1, Pinetree Pass 2nd Addition.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $422,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $424,578.24 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 13, 2009.

BAC Home Loans Servicing L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-803 91369962 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1986953 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: June 4, 2004 MORTGAGOR: Dawn M. Huebner, a single person.

MORTGAGEE: ABN AMRO Mortgage Group, Inc n/k/a CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Recorded July 22, 2004, Dakota County Recorder, Document No. 2228885.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: ABN AMRO Mortgage Group, Inc n/k/a CitiMortgage, Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 23305 Lawrence Way, Hastings, MN 55033 TAX PARCEL I.D.#: 09-18600-080-01 LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 1, Crossroads Woods COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $250,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $237,666.71 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows:

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������ ������� �������� ��� MORTGAGOR, ���� Sheriff of said county as������ follows: REDEMPTION

BY THE DATE AND TIME OF SALE: January THE MORTGAGOR'S PERSONAL REP28, 2010 at 10:00 AM RESENTATIVES OR ASSIGNS, MAY BE PLACE OF SALE:Sheriff's Office, Law REDUCED TO FIVE WEEKS IF A JUDIEnforcement Center, 1580 Hwy 55, CIAL ORDER IS ENTERED UNDER Lobby #S-100, Hastings, MN MINNESOTA STATUTES, SECTION to pay the debt then secured by said 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G Mortgage, and taxes, if any, on said OTHER THINGS, THAT THE MORTpremises, and the costs and disburse- GAGED PREMISES ARE IMPROVED 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 WITH A RESIDENTIAL DWELLING OF allowed by law subject to redemption LESS THAN FIVE UNITS, ARE NOT within six (6) months from the date of PROPERTY USED IN AGRICULTURAL said sale by the mortgagor(s), their PRODUCTION, AND ARE ABANDONED. personal representatives or assigns DATED: November 26, 2009 unless reduced to Five (5) weeks under MORTGAGEE: Mortgage Electronic Registration Systems, Inc. MN Stat. §580.07.

TIME AND DATE TO VACATE PROP- Wilford & Geske, P.A. E R T Y : I f t h e r e a l e s t a t e i s a n Attorneys for Mortgagee owner-occupied, single-family dwell- Lawrence A. Wilford ing, unless otherwise provided by law, James A. Geske the date on or before which the mort- 8425 Seasons Parkway, Suite 105 gagor(s) must vacate the property if the Woodbury, MN 55125-4393 mortgage is not reinstated under sec- (651) 209-3300 tion 580.30 or the property is not File Number: 010549F01 11/26-12/31/09 redeemed under section 580.23 is 1991599 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTNOTICE OF MORTGAGE GAGE: None FORECLOSURE SALE "THE TIME ALLOWED BY LAW FOR THE RIGHT TO VERIFICATION OF REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REP- THE DEBT AND IDENTITY OF THE RESENTATIVES OR ASSIGNS, MAY BE ORIGINAL CREDITOR WITHIN THE REDUCED TO FIVE WEEKS IF A JUDI- T I M E P R O V I D E D B Y L A W I S N O T CIAL ORDER IS ENTERED UNDER AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that MINNESOTA STATUTES, SECTION 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G default has occurred in conditions of OTHER THINGS, THAT THE MORT- the following described mortgage: DATE OF MORTGAGE: S e p t e m b e r GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF 23, 2005 MORTGAGORS: Mindy Nguyen and LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL Minh Tu Duong, wife and husband.

MORTGAGEE: Mortgage Electronic P R O D U C T I O N , A N D A R E Registration Systems, Inc. ABANDONED." DATE AND PLACE OF RECORDING: Dated: November 17, 2009.

Recorded November 7, 2005, Dakota CitiMortgage, Inc. C o unty Recorder, Document No. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, 2378745.

ASSIGNMENTS OF MORTGAGE: P.L.L.P. Assigned to: Provident Funding AssoBy: Paul A. Weingarden Attorneys for Mortgagee/Assignee of ciates, L.P., Dated: October 28, 2009 TRANSACTION AGENT: Mortgage Mortgagee Electronic Registration Systems, Inc. 4500 Park Glen Road #300 TRANSACTION AGENT'S MORTMinneapolis, MN 55416 GAGE IDENTIFICATION NUMBER ON (952) 925-6888 MORTGAGE: 100017935150900153 10-2633 LENDER OR BROKER AND MORT645123950 GAGE ORIGINATOR STATED ON THIS IS A COMMUNICATION FROM MORTGAGE: Provident Funding AssoA DEBT COLLECTOR. 1991544 11/26-12/31/09 ciates, L.P. RESIDENTIAL MORTGAGE SERVICER: Provident Funding Associates, L.P. MORTGAGED PROPERTY ADDRESS: NOTICE OF MORTGAGE 4590 Cinnamon Ridge Trail, Eagan, MN FORECLOSURE SALE N O T I C E I S H E R E B Y G I V E N t h a t 55122 default has occurred in the conditions TAX PARCEL I.D.#: 10-17400-021-01 of the following described mortgage: LEGAL DESCRIPTION OF PROPDATE OF MORTGAGE: October 27, ERTY: 2006 That part of Lot 2, Block 1, CinnaORIGINAL PRINCIPAL AMOUNT OF mon Ridge, City of Eagan, lying MORTGAGE: $352,250.00 Southerly of a line drawn from a MORTGAGOR(S): Patrick J. Zurick point on the Easterly line of said Lot and Marie L. Zurick, husband and wife 2, distant 52.79 feet North at the MORTGAGEE: Mortgage Electronic Southeast corner thereof to a point Registration Systems, Inc. on the Westerly line of said Lot 2, DATE AND PLACE OF RECORDING: distant 45.5 feet North of the SouthRecorded: November 09, 2006 Dakota west corner thereof.

County Recorder, Document Number: COUNTY IN WHICH PROPERTY IS 2474537 LOCATED: Dakota Transaction Agent: Mortgage ElecORIGINAL PRINCIPAL AMOUNT OF tronic Registration Systems, Inc. MORTGAGE: $160,000.00 Transaction Agent Mortgage IdentifiAMOUNT DUE AND CLAIMED TO BE cation Number: 100190830000074136 DUE AS OF DATE OF NOTICE, INCLUDLender or Broker: SouthStar Fund- ING TAXES, IF ANY, PAID BY MORTing, LLC GAGEE: $144,734.84 Residential Mortgage Servicer: LitThat prior to the commencement of ton Loan Servicing, LP this mortgage foreclosure proceeding Mortgage Originator: Not Applicable Mortgagee/Assignee of Mortgagee comCOUNTY IN WHICH PROPERTY IS plied with all notice requirements as LOCATED: Dakota required by statute; That no action or Property Address: 13594 Glasgow proceeding has been instituted at law Ln, Apple Valley, MN 55124-7630 or otherwise to recover the debt T a x P a r c e l I D N u m b e r : secured by said mortgage, or any part 01-22451-030-02 thereof; LEGAL DESCRIPTION OF PROPPURSUANT to the power of sale conERTY: Lot 3, Block 2, Eagle Ridge tained in said mortgage, the above E s t a t e s 2 n d A d d i t i o n , D a k o t a described property will be sold by the County, Minnesota.

Sheriff of said county as follows: AMOUNT DUE AND CLAIMED TO BE DATE AND TIME OF SALE: January D U E A S O F D A T E O F N O T I C E : 20, 2010 at 10:00 AM $375,215.08 PLACE OF SALE: S h e r i f f ' s O f f i c e , THAT all pre-foreclosure require- Law Enforcement Center, 1580 Hwy ments have been complied with; that 55, Lobby #S-100, Hastings, MN no action or proceeding has been insti- to pay the debt then secured by said tuted at law or otherwise to recover the Mortgage, and taxes, if any, on said debt secured by said mortgage, or any premises, and the costs and disbursepart thereof; ments, including attorneys' fees PURSUANT to the power of sale con- allowed by law subject to redemption t a i n e d i n s a i d m o r t g a g e , t h e within six (6) months from the date of above-described property will be sold said sale by the mortgagor(s), their by the Sheriff of said county as fol- personal representatives or assigns lows: unless reduced to Five (5) weeks under DATE AND TIME OF SALE: January MN Stat. §580.07.

14, 2010 at 10:00 AM TIME AND DATE TO VACATE PROPPLACE OF SALE: Dakota County E R T Y : I f t h e r e a l e s t a t e i s a n Law Enforcement Center, 1580 High- owner-occupied, single-family dwellway 55, Lobby S-100, Hastings, Minne- ing, unless otherwise provided by law, sota the date on or before which the mortto pay the debt secured by said mort- gagor(s) must vacate the property if the gage and taxes, if any, on said pre- mortgage is not reinstated under secmises and the costs and disburse- tion 580.30 or the property is not ments, including attorney fees allowed redeemed under section 580.23 is by law, subject to redemption within 11:59 p.m. on July 20, 2010.

MORTGAGOR(S) RELEASED FROM six (6) months from the date of said sale by the mortgagor(s), their per- FINANCIAL OBLIGATION ON MORTGAGE: None sonal representatives or assigns.

"THE TIME ALLOWED BY LAW FOR If the Mortgage is not reinstated under Minn. Stat. §580.30 or the prop- REDEMPTION BY THE MORTGAGOR, erty is not redeemed under Minn. Stat. THE MORTGAGOR'S PERSONAL REP§580.23, the Mortgagor must vacate RESENTATIVES OR ASSIGNS, MAY BE the property on or before 11:59 p.m. on REDUCED TO FIVE WEEKS IF A JUDIJuly 14, 2010, or the next business day CIAL ORDER IS ENTERED UNDER if July 14, 2010 falls on a Saturday, MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG Sunday or legal holiday.

Mortgagor(s) released from financial OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED obligation: NONE THIS COMMUNICATION IS FROM WITH A RESIDENTIAL DWELLING OF A DEBT COLLECTOR ATTEMPT- LESS THAN FIVE UNITS, ARE NOT ING TO COLLECT A DEBT. ANY PROPERTY USED IN AGRICULTURAL INFORMATION OBTAINED WILL BE P R O D U C T I O N , A N D A R E ABANDONED." USED FOR THAT PURPOSE. Dated: November 16, 2009.

THE RIGHT TO VERIFICATION OF Provident Funding Associates, L.P. THE DEBT AND IDENTITY OF THE Mortgagee/Assignee of Mortgagee ORIGINAL CREDITOR WITHIN THE T I M E P R O V I D E D B Y L A W I S N O T USSET, WEINGARDEN AND LIEBO, P.L.L.P. AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� ��� ���� ������ ������ ������� ���������� ���� ��������� P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-1498 3515090015 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991652 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE 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 22, 2007 MORTGAGORS: Vane K. Gichana and Evans M. Mogaka, wife and husband.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded March 13, 2007, Dakota County Recorder, Document No. 2502308.

ASSIGNMENTS OF MORTGAGE: Assig ned to: U.S. B a n k , N a t i o n a l Association, as successor trustee to Bank of America, N.A., S/B/M to LaSalle Bank National Association, as Trustee for Merrill Lynch First Franklin Mortgage Loan Trust, Mortgage Loan Asset-Backed Certificates, Series 2007-2, Dated: February 22, 2007, Recorded: February 12, 2009, Document No. 2637177.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100425240012845340 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Franklin Financial Corporation RESIDENTIAL MORTGAGE SERVICER: Home Loan Services, Inc. MORTGAGED PROPERTY ADDRESS: 17873 Floral Park Circle, Lakeville, MN 55044 TAX PARCEL I.D.#: 22-18606-010-03 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 3, Crossroads 7th Addition, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $331,920.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $376,547.14 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 24, 2009.

U.S. Bank National Association, Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 76-3004 1044851214 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1996651 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 19, 2004 MORTGAGORS: M i c h a e l E . R e d mond and Leanne G. Zarling-Redmond A/K/A Leanne G. Zarling, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded May 27, 2004, Dakota County Recorder, Document No. 2208599.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: November 9, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100073981126281303 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Bremer Bank, N.A RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 18867 Inca Avenue, Lakeville, MN 55044 TAX PARCEL I.D.#: 22-16950-260-01 LEGAL DESCRIPTION OF PROPERTY: Lot 26, Block 1, Century Ridge, CIC No. 296.

Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $145,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $134,067.80 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 26, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 26, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 16, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2741 2001748820 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991619 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 02, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $197,600.00 MORTGAGOR(S): Victor Hugo Arteaga, single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: August 22, 2006 Dakota County Recorder, Document Number: 2455445 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100122200002725320

cation Number: 100122200002725320 Lender or Broker: BNC Mortgage, Inc. Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 648 1st Ave S, South Saint Paul, MN 55075-2804 Tax Parcel ID Number: 36-75100-180-14 LEGAL DESCRIPTION OF PROPERTY: Lot 18, Block 14, Tarbox Addition to South St. Paul, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $211,239.68 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 14, 2010, or the next business day if July 14, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 26, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 003399F02 1991462 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 2 2 , 2004 MORTGAGORS: Keith M. Rose and Mary K. Rose, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded December 1, 2004, Dakota County Recorder, Document No. 2272078.

ASSIGNMENTS OF MORTGAGE: Assigned to: JPMorgan Chase Bank, National Association, Dated: November 16, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100015901074369562 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: CTX Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 14446 Atwater Way, Rosemount, MN 55068 TAX PARCEL I.D.#: 34-14704-130-01 LEGAL DESCRIPTION OF PROPERTY: Lot 13, Block 1, Bloomfield 5th Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $333,700.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $318,772.78 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as

plied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 2, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 2, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 19, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2612 0676708456 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991748 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 04, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $240,300.00 MORTGAGOR(S): Varouna Chanthalakeo and Phousy T. Chanthalakeo, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 19, 2005 Dakota County Recorder, Document Number: 2372197 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, LP, Dated: November 16, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700056764067 Lender or Broker: Countrywide Home Loans, Inc Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 876 Sudberry Ln, Eagan, MN 55123-1938 Tax Parcel ID Number: 106760016002 LEGAL DESCRIPTION OF PROPERTY: Lot 16, Block 2, Sheffield AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $246,606.70 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM

THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, LP Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010172F01 1986434 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 26, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $528,000.00 MORTGAGOR(S): Michelle J Simonsen and Thomas L Simonsen, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: November 28, 2006 Dakota County Recorder, Document Number: 2477968 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100232301120042015 Lender or Broker: Centennial Mortgage and Funding, Inc. Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 18375 Ipava Ave, Lakeville, MN 55044-7783 Tax Parcel ID Number: 22-01800-010-08 LEGAL DESCRIPTION OF PROPERTY: That part of the East Half of the East Half of the Northeast Quarter of Section 18, Township 114, Range 20, Dakota County, Minnesota, described as follows: Beginning at the intersection of the South line of the North 1959.50 feet of the Northeast Quarter of said Section 18 with the West line of the East Half of the East Half of the Northeast Quarter of said Section 18; thence Easterly along the South line of the said North 1959.50 feet of the Northeast Quarter a distance of 655.45 feet to the East line of the said Northeast Quarter; thence Northerly along the East line of the said Northeast Quarter a distance of 8.50 feet; thence Westerly on a straight line to a point in the West line of the said East Half of the East Half of the Northeast Quarter, distant 20.00 feet Northerly of the point of beginning; thence Southerly along the West line of the said East Half of the East Half of the Northeast Quarter a distance of 20.00 feet to the point of beginning.

Excepting therefrom that part lying Easterly of the center line of the town road (Ipava Avenue) as traveled AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $424,726.86 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 14, 2010, or the next business day if July 14, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT

TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 26, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010424F01 1991559 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: February 27, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $200,000.00 MORTGAGOR(S): Kay McFarland, a single woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: April 06, 2004 Dakota County Registrar of Titles, Document Number: 533924 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100061900000148044 Lender or Broker: Summit Mortgage Corporation Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 131346 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1710 Monticello Ave, Eagan, MN 55122-1707 Tax Parcel ID Number: 10-16707-110-08 LEGAL DESCRIPTION OF PROPERTY: Lot Eleven (11), Block Eight (8), in Cedar Grove No. 8, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $203,876.96 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 03, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010285F01 1996511 12/3/09-1/7/10

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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: December 15, 2005 MORTGAGOR: Russell L. Johnson, a single person.

MORTGAGEE: ABN AMRO Mortgage Group, Inc n/k/a CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Recorded January 5, 2006, Dakota County Recorder, Document No. 2394763.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: ABN AMRO Mortgage Group, Inc n/k/a CitiMortgage, Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 14083 Autumnwood Way, Rosemount, MN 55068 TAX PARCEL I.D.#: 34-14750-280-01 LEGAL DESCRIPTION OF PROPERTY: Lot 28, Block 1, Bloomfield Vineyards, CIC 418 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $226,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $222,130.40 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 23, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2647 651659983 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1997333 12/3-1/7/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 1 5 , 2006 MORTGAGOR: M o n i c a W a g n e r , a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded September 8, 2006, Dakota County Recorder, Document No. 2459417.

ASSIGNMENTS OF MORTGAGE:

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: November 19, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100020000351031269 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Burnet Home Loans RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 1659 River Bluff Court, Eagan, MN 55121 TAX PARCEL I.D.#: 10-41300-086-05 LEGAL DESCRIPTION OF PROPERTY: Unit 86, CIC Number 358, Cedar Bluff Townhome Condominium.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $126,400.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $129,953.64 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 4, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 4, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 23, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6909 1909664563 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1997664 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: February 17, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $128,000.00 MORTGAGOR(S): Joel E. Seidl, single person MORTGAGEE: TCF Mortgage Corporation DATE AND PLACE OF RECORDING: Recorded: March 31, 2003 Dakota County Recorder Document Number: 2022254 ASSIGNMENTS OF MORTGAGE: And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: May 01, 2006, Recorded: May 08, 2006 Dakota County Recorder Document Number: 2426791 And assigned to: U.S. Bank National Association, Dated: November 24, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001820164 Lender or Broker: TCF Mortgage Corporation Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 2020 Maple St, Hastings, MN 55033-3538 Tax Parcel ID Number: 19-83752-149-00 LEGAL DESCRIPTION OF PROPERTY: Lot 149, Westwood Addition Third Section AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $121,920.89 THAT all pre-foreclosure require-

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

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

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

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 1 9 , 2003 MORTGAGORS: Jeffrey H. Carlston and Riki M. Carlston, husband and wife.

MORTGAGEE: C e n d a n t M o r t g a g e Corporation dba Burnet Home Loans.

DATE AND PLACE OF RECORDING: Recorded October 16, 2003, Dakota County Recorder, Document No. 2125371.

ASSIGNMENTS OF MORTGAGE: Assigned to: Mortgage Electronic Registration Systems, Inc, Dated: July 8, 2008, Recorded: July 15, 2008, Document No. 2602655. And thereafter assigned to: CitiMortgage, Inc, Dated: November 3, 2009.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Cendant Mortgage Corporation dba Burnet Home Loans RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 7125 Upper 157th Street West, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-11651-100-05 LEGAL DESCRIPTION OF PROPERTY: Lot 10, Block 5, Apple Ponds 2nd Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $186,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $171,698.70 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disburse-

premises, and the costs and disburse ments, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 23, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2721 1120068510 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1997358 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

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

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

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

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORT-

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������ ������ ������� �������� ��� ����Mortgage OTHER THINGS, THAT THE MORT MORTGAGEE: ABN AMRO GAGED PREMISES ARE IMPROVED Group, Inc n/k/a CitiMortgage, Inc. WITH A RESIDENTIAL DWELLING OF DATE AND PLACE OF RECORDING: LESS THAN FIVE UNITS, ARE NOT Registered August 13, 2007, Dakota PROPERTY USED IN AGRICULTURAL County Registrar of Titles, Document No. 615535, Certificate of Title No. PRODUCTION, AND ARE ABANDONED. 143179.

DATED: December 03, 2009 ASSIGNMENTS OF MORTGAGE: MORTGAGEE: Mortgage ElecNONE tronic Registration Systems, Inc. Said Mortgage being Registered Wilford & Geske, P.A. Land.

Attorneys for Mortgagee TRANSACTION AGENT: NONE Lawrence A. Wilford TRANSACTION AGENT'S MORTJames A. Geske GAGE IDENTIFICATION NUMBER ON 8425 Seasons Parkway, Suite 105 MORTGAGE: NONE Woodbury, MN 55125-4393 LENDER OR BROKER AND MORT(651) 209-3300 File Number: 010299F01 GAGE ORIGINATOR STATED ON 1996562 12/3/09-1/7/10 MORTGAGE: ABN AMRO Mortgage Group, Inc n/k/a CitiMortgage, Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. NOTICE OF MORTGAGE MORTGAGED PROPERTY ADDRESS: FORECLOSURE SALE 13986 Herald Way, Apple Valley, MN N O T I C E I S H E R E B Y G I V E N t h a t 55124 default has occurred in the conditions TAX PARCEL I.D.#: 01-56775-200-09 of the following described mortgage: LEGAL DESCRIPTION OF PROPDATE OF MORTGAGE: April 27, 2007 ERTY: ORIGINAL PRINCIPAL AMOUNT OF Lot Twenty, Block Nine in Palomino MORTGAGE: $202,000.00 Woods MORTGAGOR(S): Anthony Hall and COUNTY IN WHICH PROPERTY IS Chelsea Hall, husband and wife LOCATED: Dakota MORTGAGEE: Mortgage Electronic ORIGINAL PRINCIPAL AMOUNT OF Registration Systems, Inc. MORTGAGE: $148,000.00 DATE AND PLACE OF RECORDING: AMOUNT DUE AND CLAIMED TO BE Recorded: May 10, 2007 Dakota County DUE AS OF DATE OF NOTICE, INCLUDRecorder, Document Number: 2515903 ING TAXES, IF ANY, PAID BY MORTASSIGNMENTS OF MORTGAGE: And GAGEE: $158,908.86 assigned to: BAC Home Loans ServicThat prior to the commencement of ing, L.P., Dated: November 30, 2009 this mortgage foreclosure proceeding Transaction Agent: Mortgage Elec- Mortgagee/Assignee of Mortgagee comtronic Registration Systems, Inc. plied with all notice requirements as Transaction Agent Mortgage Identifi- required by statute; That no action or cation Number: 100103210000173251 proceeding has been instituted at law Lender or Broker: Prime Mortgage 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 Corporation secured by said mortgage, or any part Residential Mortgage Servicer: BAC thereof; Home Loans Servicing, L.P. PURSUANT to the power of sale conMortgage Originator: Not Applicable tained in said mortgage, the above COUNTY IN WHICH PROPERTY IS described property will be sold by the LOCATED: Dakota Sheriff of said county as follows: Property Address: 14263 Banyan Ln, DATE AND TIME OF SALE: January Rosemount, MN 55068-3495 26, 2010 at 10:00 AM Tax Parcel ID Number: PLACE OF SALE: S h e r i f f ' s O f f i c e , 34-14700-850-05 Law Enforcement Center, 1580 Hwy L E G A L D E S C R I P T I O N O F P R O P - 55, Lobby #S-100, Hastings, MN ERTY: Lot 85, Block 5, Bloomfield, to pay the debt then secured by said Common Interest Community Num- Mortgage, and taxes, if any, on said ber 250, Dakota County, Minnesota. premises, and the costs and disburseAMOUNT DUE AND CLAIMED TO BE m e n t s , i n c l u d i n g a t t o r n e y s ' f e e s D U E A S O F D A T E O F N O T I C E : allowed by law subject to redemption $201,365.03 within six (6) months from the date of THAT all pre-foreclosure require- said sale by the mortgagor(s), their ments have been complied with; that personal representatives or assigns no action or proceeding has been insti- unless reduced to Five (5) weeks under tuted at law or otherwise to recover the MN Stat. §580.07. debt secured by said mortgage, or any TIME AND DATE TO VACATE PROPpart thereof; ERTY: If the real estate is an PURSUANT to the power of sale con- owner-occupied, single-family dwellt a i n e d i n s a i d m o r t g a g e , t h e ing, unless otherwise provided by law, above-described property will be sold the date on or before which the mortby the Sheriff of said county as fol- gagor(s) must vacate the property if the lows: mortgage is not reinstated under secDATE AND TIME OF SALE: January tion 580.30 or the property is not 21, 2010 at 10:00 AM redeemed under section 580.23 is PLACE OF SALE: Dakota County 11:59 p.m. on July 26, 2010.

Law Enforcement Center, 1580 HighMORTGAGOR(S) RELEASED FROM way 55, Lobby S-100, Hastings, Minne- FINANCIAL OBLIGATION ON MORTsota GAGE: None to pay the debt secured by said mort"THE TIME ALLOWED BY LAW FOR gage and taxes, if any, on said pre- REDEMPTION BY THE MORTGAGOR, mises and the costs and disburse- THE MORTGAGOR'S PERSONAL REPments, including attorney fees allowed RESENTATIVES OR ASSIGNS, MAY BE by law, subject to redemption within REDUCED TO FIVE WEEKS IF A JUDIsix (6) months from the date of said CIAL ORDER IS ENTERED UNDER sale by the mortgagor(s), their per- MINNESOTA STATUTES, SECTION sonal representatives or assigns.

582.032, DETERMINING, AMONG If the Mortgage is not reinstated OTHER THINGS, THAT THE MORTunder Minn. Stat. §580.30 or the prop- GAGED PREMISES ARE IMPROVED erty is not redeemed under Minn. Stat. WITH A RESIDENTIAL DWELLING OF §580.23, the Mortgagor must vacate LESS THAN FIVE UNITS, ARE NOT the property on or before 11:59 p.m. on PROPERTY USED IN AGRICULTURAL July 21, 2010, or the next business day P R O D U C T I O N , A N D A R E if July 21, 2010 falls on a Saturday, ABANDONED." Sunday or legal holiday.

Dated: October 23, 2009.

Mortgagor(s) released from financial CitiMortgage, Inc. obligation: NONE Mortgagee/Assignee of Mortgagee THIS COMMUNICATION IS FROM USSET, WEINGARDEN AND LIEBO, A DEBT COLLECTOR ATTEMPT- P.L.L.P. ING TO COLLECT A DEBT. ANY By: Paul A. Weingarden INFORMATION OBTAINED WILL BE Attorneys for Mortgagee/Assignee of USED FOR THAT PURPOSE. Mortgagee THE RIGHT TO VERIFICATION OF 4500 Park Glen Road #300 THE DEBT AND IDENTITY OF THE Minneapolis, MN 55416 ORIGINAL CREDITOR WITHIN THE (952) 925-6888 T I M E P R O V I D E D B Y L A W I S N O T 10-2699 AFFECTED BY THIS ACTION. 656817714 THE TIME ALLOWED BY LAW FOR THIS IS A COMMUNICATION FROM REDEMPTION BY THE MORTGAGOR, A DEBT COLLECTOR. THE MORTGAGOR'S PERSONAL REP- 1997085 12/3/09-1/7/09 RESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER NOTICE OF MORTGAGE MINNESOTA STATUTES, SECTION FORECLOSURE SALE 582.032, DETERMINING, AMONG N O T ICE IS HEREBY GIVEN that OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED default has occurred in the conditions WITH A RESIDENTIAL DWELLING OF of the following described mortgage: DATE OF MORTGAGE: July 25, 2007 LESS THAN FIVE UNITS, ARE NOT ORIGINAL PRINCIPAL AMOUNT OF PROPERTY USED IN AGRICULTURAL MORTGAGE: $173,000.00 PRODUCTION, AND ARE ABANDONED. MORTGAGOR(S): Renee Aufmuth, a DATED: December 03, 2009 ASSIGNEE OF MORTGAGEE: single woman MORTGAGEE: Mortgage Electronic BAC Home Loans Servicing, L.P. Registration Systems, Inc. Wilford & Geske, P.A. DATE AND PLACE OF RECORDING: Attorneys for Assignee of Mortgagee Recorded: September 17, 2007 Dakota Lawrence A. Wilford County Recorder, Document Number: James A. Geske 2544517 8425 Seasons Parkway, Suite 105 ASSIGNMENTS OF MORTGAGE: And Woodbury, MN 55125-4393 assigned to: BAC Home Loans Servic(651) 209-3300 ing, L.P., Dated: November 23, 2009 File Number: 010658F01 Transaction Agent: Mortgage Elec1997845 12/3/09-1/7/10 tronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100133700023434114 NOTICE OF MORTGAGE Lender or Broker: Countrywide FORECLOSURE SALE Bank, FSB THE RIGHT TO VERIFICATION OF Residential Mortgage Servicer: BAC THE DEBT AND IDENTITY OF THE Home Loans Servicing, L.P. ORIGINAL CREDITOR WITHIN THE Mortgage Originator: Not Applicable TIME PROVIDED BY LAW IS NOT COUNTY IN WHICH PROPERTY IS AFFECTED BY THIS ACTION. LOCATED: Dakota NOTICE IS HEREBY GIVEN, that Property Address: 15445 Frost Path, default has occurred in conditions of Apple Valley, MN 55124 the following described mortgage: Tax Parcel ID Number: DATE OF MORTGAGE: July 31, 2007 01-44800-505-06 MORTGAGOR: Jesse Bauer, a single LEGAL DESCRIPTION OF PROPperson.

MORTGAGEE: ABN AMRO Mortgage ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� ��� ���� ������PLACE ������ ������� OF SALE: Sheriff s Office, Law Enforcement Center, 1580 Hwy ���������� ���� ��������� LEGAL DESCRIPTION OF PROP ERTY: Unit No. 1505, CIC No. 377, Legacy Square Condominiums, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $178,252.22 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 19, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 19, 2010, or the next business day if July 19, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 03, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010406F01 1992930 12/3/09-1/07/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: S e p t e m b e r 25, 2004 MORTGAGOR: Barry John Morgan, an unmarried man.

MORTGAGEE: Alpine Lending, LLC. DATE AND PLACE OF RECORDING: Recorded November 1, 2004, Dakota County Recorder, Document No. 2263194.

ASSIGNMENTS OF MORTGAGE: Assigned to: First Tennessee Bank National Association, Dated: November 16, 2004, Recorded: January 12, 2005, Document No. 2284818. And thereafter assigned to: CitiMortgage, Inc., Dated: July 29, 2009.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Alpine Lending, LLC RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 465 Tiffany Drive, Hasting, MN 55033 TAX PARCEL I.D.#: 19-16400-100-01 LEGAL DESCRIPTION OF PROPERTY: Lot 10, Block 1, Cari Park, Dakota County, State of Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $140,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $145,870.33 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e ,

55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 23, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-973 401266103 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1997017 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 15, 2000 MORTGAGORS: Glynn F. Neumann and Mary Ruth Neumann, husband and wife.

MORTGAGEE: Quicken Loans, Inc. DATE AND PLACE OF RECORDING: Recorded January 19, 2001, Dakota County Recorder, Document No. 1745379.

ASSIGNMENTS OF MORTGAGE: Assigned to: HSBC Mortgage Corporation USA, Dated: November 15, 2000, Recorded: December 31, 2002, Document No. 1978682.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Quicken Loans, Inc. RESIDENTIAL MORTGAGE SERVICER: HSBC Bank USA, N.A. MORTGAGED PROPERTY ADDRESS: 34 Birnamwood Drive, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-14000-060-05 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 5, Birnamwood Plat 1, CIC No. 170 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $124,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $137,109.43 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 23, 2009.

HSBC Mortgage Corporation USA Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 43-159 8632040 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1996176 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 06, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $313,600.00 MORTGAGOR(S): Meghan A. Selby and Scott A. Selby, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: July 20, 2006 Dakota County Recorder, Document Number: 2446725 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association, As Trustee, On Behalf Of The Holders Of The First Franklin Mortgage Loan Trust 2006-FF14 Mortgage Pass-through Certificates, Series 2006-FF14, Dated: April 20, 2009, Recorded: May 06, 2009 Dakota County Recorder, Document Number: 2654966 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100425240008478551 Lender or Broker: First Franklin, a Division of Nat. City Bank of IN Residential Mortgage Servicer: Select Portfolio Servicing Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 13894 Findlay Ave, Saint Paul, MN 55124-5713 Tax Parcel ID Number: 01-85280-030-05 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 5, Wyndemere Addition, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $350,731.27 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 18, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 18, 2010, or the next business day if July 18, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 03, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association, As Trustee, On Behalf Of The Holders Of The First Franklin Mortgage Loan Trust 2006-FF14 Mortgage Pass-through Certifi-

Mortgage Pass through Certifi cates, Series 2006-FF14 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 003345F02 1994223 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 25, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $180,000.00 MORTGAGOR(S): Fernando Ismael Garza Cienfuegos, a married person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 01, 2004 Dakota County Recorder, Document Number: 2254079 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100197500000227553 Lender or Broker: Brier Mortgage Corporation Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 2521 Hayes Ct, Burnsville, MN 55337-1061 Tax Parcel ID Number: 02-64101-330-05 LEGAL DESCRIPTION OF PROPERTY: Lot 33, Block 5, River Hills Second Addition, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $185,509.22 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: December 03, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009970F01 1994157 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 30, 2003 MORTGAGOR: Vladimir Abramov, a single person.

MORTGAGEE: Centennial Mortgage & Funding, Inc. DATE AND PLACE OF RECORDING: Recorded September 18, 2003, Dakota County Recorder, Document No. 2111819.

ASSIGNMENTS OF MORTGAGE: Assigned to: Lehman Brothers Bank, FSB, Dated: May 30, 2003, Recorded:

FSB, Dated: May 30, 2003, Recorded: September 18, 2003, Document No. 2111820. And thereafter assigned to: Mortgage Electronic Registration Systems, Inc, Dated: March 12, 2004, Recorded: March 26, 2004, Document No. 2189299. And thereafter assigned to: CitiMortgage, Inc, Dated: November 13, 2009.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Centennial Mortgage & Funding, Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 12978 Nicollet Avenue South 201, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-01300-657-16 LEGAL DESCRIPTION OF PROPERTY: Apartment No. 201, and Garage No. 115, 12978 Nicollet Avenue, Ridgeview Condominium, Condominium No. 15 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $50,050.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $46,570.26 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 26, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 26, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 23, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2700 626396348 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1997317 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 9, 2004 MORTGAGOR: William M Lynch, a single person.

MORTGAGEE: ABN AMRO Mortgage Group, Inc n/k/a CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Recorded July 19, 2004, Dakota County Recorder, Document No. 2227081.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: ABN AMRO Mortgage Group, Inc n/k/a CitiMortgage, Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 1154 Ohio Street, West Saint Paul, MN 55118 TAX PARCEL I.D.#: 42-34952-220-01 LEGAL DESCRIPTION OF PROPERTY:

ERTY: The North 26 feet of Lot 21, and the south 28 feet of Lot 22, Block 1, Ickler's 3rd addition to South Saint Paul COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $136,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $108,504.63 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 23, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2660 644091686 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1997101 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 18, 2005 MORTGAGORS: Joanna L. Lessard and Chad A. Lessard, wife and husband.

MORTGAGEE: First Franklin.

DATE AND PLACE OF RECORDING: Recorded January 4, 2006, Dakota County Recorder, Document No. 2394164.

ASSIGNMENTS OF MORTGAGE: Assigned to: First Franklin Financial Corporation, Dated: April 4, 2006, Recorded: April 17, 2006, Document No. 2420796. And thereafter assigned to: Deutsche Bank National Trust Company, as Trustee for FFMLT Trust 2006-FF3, Mortgage Pass-Through Certificates, Series 2006-FF3, Dated: April 9, 2009, Recorded: May 4, 2009, Document No. 2654155.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Franklin RESIDENTIAL MORTGAGE SERVICER: Home Loan Services, Inc. MORTGAGED PROPERTY ADDRESS: 6015 Concord Boulevard, Inver Grove Heights, MN 55076 TAX PARCEL I.D.#: 20-64050-040-01 LEGAL DESCRIPTION OF PROPERTY: Lots 3 and 4, Block 1, Laura Riebe Addition to Inver Grove Heights, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $211,680.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $234,042.37 That prior to the commencement of this mortgage foreclosure proceeding

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this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 27, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 27, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 23, 2009.

Deutsche Bank National Trust Company, as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 76-3203 1044607042 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1996081 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 9, 2004 MORTGAGORS: K e n n e t h G . B l u m and Margaret C. Blum MORTGAGEE: F i r s t R e s i d e n t i a l Mortgage Network, Inc. dba First Residential Network, Inc..

DATE AND PLACE OF RECORDING: Recorded April 27, 2004, Dakota County Recorder, Document No. 2198479.

ASSIGNMENTS OF MORTGAGE: Assigned to: Countrywide Document Custody Services, a Division of Treasury Bank, NA, Dated: April 13, 2004, Recorded: November 22, 2004, Document No. 2269584. And thereafter assigned to: Countrywide Home Loans, Inc., Dated: April 20, 2004, Recorded: June 22, 2006, Document No. 2439678. And thereafter assigned to: U.S. BANK NATIONAL ASSOCIATION AS TRUSTEE FOR THE HOLDERS OF BEAR STEARNS ARM TRUST, MORTGAGE PASS-THROUGH CERTIFICATES,SERIES 2004-3, Dated: October 19, 2009.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Residential Mortgage Network, Inc. dba First Residential Network, Inc. RESIDENTIAL MORTGAGE SERVICER: BAC Home Loans Servicing L.P. MORTGAGED PROPERTY ADDRESS: 13952 Ember Way, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01.76204.110.01 LEGAL DESCRIPTION OF PROPERTY: Lot 11, Block 1, The Woodwinds 5th Addition.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $386,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $362,549.08 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part

secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 4, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 4, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 24, 2009.

U.S. Bank National Association, Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-776 57375743 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1997655 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: February 27, 2004 MORTGAGOR: Birgit J. Lillehei, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded March 25, 2004, Dakota County Recorder, Document No. 2189063.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc, Dated: September 3, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100103210000050475 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Prime Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 12789 Edgewater Path, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-34151-137-04 LEGAL DESCRIPTION OF PROPERTY: Unit No. 137, Condominium No. 98, Hunters Run Villas COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $143,172.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $131,115.29 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 26, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an

ERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 26, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 23, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2713 8381501 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1997409 12/3/09-1/7/10

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 20, 2002 MORTGAGORS: Sheldon K. Anderson and Pamala A. Anderson, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded May 13, 2003, Dakota County Recorder, Document No. 2046449.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100052599900964319 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Lakes National Mortgage RESIDENTIAL MORTGAGE SERVICER: Flagstar Bank, FSB MORTGAGED PROPERTY ADDRESS: 697 Haven Hill Road, Eagan, MN 55123 TAX PARCEL I.D.#: 10-32990-120-07 LEGAL DESCRIPTION OF PROPERTY: Lot 12, Block 7, Hills of Stonebridge COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $212,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $202,353.02 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: August 6, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: June 4, 2009.

Mortgage Electronic Registration Systems, 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 92-162

92 162 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 8, 2009 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: August 6, 2009.

Mortgage Electronic Registration Systems, 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 92-162 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until November 19, 2009 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: October 12, 2009.

Mortgage Electronic Registration Systems, 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 92-162 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until February 11, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: December 8, 2009.

Mortgage Electronic Registration Systems, 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 92-162 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2006827 12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 5, 2004 MORTGAGORS: P a t r i c k W . B r a u l t and Kathleen M. Brault, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded December 14, 2004, Dakota County Recorder, Document No. 2276036.

ASSIGNMENTS OF MORTGAGE: Assigned to: JPMC SPECIALTY MORTGAGE LLC, Dated: August 17, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100194450001200352 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Fremont Investment & Loan RESIDENTIAL MORTGAGE SERVICER: BAC Home Loans Servicing L.P. MORTGAGED PROPERTY ADDRESS: 650 Wesley Lane, Mendota Heights, MN 55118 TAX PARCEL I.D. #: 277590002002 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 2, The Ponds of Mendota Heights, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $388,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $436,996.33 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 3, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN

���

������ ������ ������� ��� 55, Lobby #S-100, Hastings, MN S U B J�������� ECT TO EA S E���� MENTS AND to pay the debt then secured by said RESTRICTIONS NOW OF RECORD. Mortgage, and taxes, if any, on said TORRENS PROPERTY premises, and the costs and CERTIFICATE OF TITLE NO. 141921 disbursements, including attorneys' COUNTY IN WHICH PROPERTY IS f e e s a l l o w e d b y l a w s u b j e c t t o LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF redemption within six (6) months from t h e d a t e o f s a i d s a l e b y t h e MORTGAGE: $182,000.00 AMOUNT DUE AND CLAIMED TO BE mortgagor(s), their personal representatives or assigns unless D U E A S O F D A T E O F N O T I C E , reduced to Five (5) weeks under MN INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $189,111.66 Stat. §580.07.

That prior to the commencement of TIME AND DATE TO VACATE PROPERTY: If the real estate is an this mortgage foreclosure proceeding o w n e r - o c c u p i e d , s i n g l e - f a m i l y Mortgagee/Assignee of Mortgagee dwelling, unless otherwise provided by complied with all notice requirements law, the date on or before which the as required by statute; That no action mortgagor(s) must vacate the property or proceeding has been instituted at if the mortgage is not reinstated under law or otherwise to recover the debt section 580.30 or the property is not secured by said mortgage, or any part redeemed under section 580.23 is thereof; PURSUANT to the power of sale 11:59 p.m. on June 3, 2010.

MORTGAGOR(S) RELEASED FROM contained in said mortgage, the above F I N A N C I A L O B L I G A T I O N O N described property will be sold by the MORTGAGE: None Sheriff of said county as follows: "THE TIME ALLOWED BY LAW FOR DATE AND TIME OF SALE: January REDEMPTION BY THE MORTGAGOR, 28, 2010 at 10:00 AM THE MORTGAGOR'S PERSONAL REPPLACE OF SALE: S h e r i f f ' s O f f i c e , RESENTATIVES OR ASSIGNS, MAY BE Law Enforcement Center, 1580 Hwy R E D U C E D T O F I V E W E E K S I F A 55, Lobby #S-100, Hastings, MN JUDICIAL ORDER IS ENTERED UNDER to pay the debt then secured by said MINNESOTA STATUTES, SECTION Mortgage, and taxes, if any, on said 582.032, DETERMINING, AMONG p r e m i s e s , a n d t h e c o s t s a n d O T H E R T H I N G S , T H A T T H E disbursements, including attorneys' M O R T G A G E D P R E M I S E S A R E fees allowed by law subject to redempI M P R O V E D W I T H A R E S I D E N T I A L tion within six (6) months from the D W E L L I N G O F L E S S T H A N F I V E date of said sale by the mortgagor(s), UNITS, ARE NOT PROPERTY USED IN t h e i r p e r s o n a l r e p r e s e n t a t i v e s o r AGRICULTURAL PRODUCTION, AND assigns unless reduced to Five (5) ARE ABANDONED." weeks under MN Stat. §580.07.

Dated: September 30, 2009.

TIME AND DATE TO VACATE JPMC Specialty Mortgage LLC PROPERTY: If the real estate is an Mortgagee/Assignee of Mortgagee o w n e r - o c c u p i e d , s i n g l e - f a m i l y USSET, WEINGARDEN AND LIEBO, P.L.L.P. dwelling, unless otherwise provided by By: Paul A. Weingarden law, the date on or before which the Attorneys for Mortgagee/Assignee of mortgagor(s) must vacate the property Mortgagee if the mortgage is not reinstated under 4500 Park Glen Road #300 section 580.30 or the property is not Minneapolis, MN 55416 redeemed under section 580.23 is (952) 925-6888 11:59 p.m. on July 28, 2010.

18-621 MORTGAGOR(S) RELEASED FROM 69902810 FINANCIAL OBLIGATION ON THIS IS A COMMUNICATION FROM MORTGAGE: None "THE TIME ALLOWED BY LAW FOR A DEBT COLLECTOR. REDEMPTION BY THE MORTGAGOR, NOTICE OF POSTPONEMENT OF THE MORTGAGOR'S PERSONAL MORTGAGE FORECLOSURE SALE P u r s u a n t t o t h e p r o v i s i o n s o f REPRESENTATIVES OR ASSIGNS, M i n n e s o t a S t a t u t e s 5 8 0 . 0 7 , t h e MAY BE REDUCED TO FIVE WEEKS IF f o r e g o i n g f o r e c l o s u r e s a l e i s A JUDICIAL ORDER IS ENTERED postponed until February 4, 2010 at U N D E R M I N N E S O T A S T A T U T E S , 10:00 am at the Sheriff's Office, Law SECTION 582.032, DETERMINING, Enforcement Center, 1580 Hwy 55, AMONG OTHER THINGS, THAT THE Lobby #S-100, Hastings, MN, in said M O R T G A G E D P R E M I S E S A R E county and state.

IMPROVED WITH A RESIDENTIAL Dated: December 3, 2009.

DWELLING OF LESS THAN FIVE JPMC Specialty Mortgage LLC UNITS, ARE NOT PROPERTY USED IN Mortgagee/Assignee of Mortgagee AGRICULTURAL PRODUCTION, AND USSET, WEINGARDEN AND LIEBO, ARE ABANDONED." P.L.L.P. Dated: November 30, 2009.

By: Paul A. Weingarden HSBC Bank USA, N.A. Attorneys for Mortgagee/Assignee of Mortgagee/Assignee of Mortgagee Mortgagee USSET, WEINGARDEN AND LIEBO, 4500 Park Glen Road #300 P.L.L.P. Minneapolis, MN 55416 By: Paul A. Weingarden (952) 925-6888 Attorneys for Mortgagee/Assignee of 18-621 Mortgagee THIS IS A COMMUNICATION FROM 4500 Park Glen Road #300 Minneapolis, MN 55416 A DEBT COLLECTOR. 2002930 12/10/09 (952) 925-6888 43-383 5933112 THIS IS A COMMUNICATION FROM NOTICE OF MORTGAGE A DEBT COLLECTOR. FORECLOSURE SALE 2003655 12/10/09-1/14/10 THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT NOTICE OF MORTGAGE AFFECTED BY THIS ACTION. FORECLOSURE SALE THE RIGHT TO VERIFICATION OF NOTICE IS HEREBY GIVEN, that default has occurred in conditions of THE DEBT AND IDENTITY OF THE the following described mortgage: ORIGINAL CREDITOR WITHIN THE DATE OF MORTGAGE: A u g u s t 3 , T I M E P R O V I D E D B Y L A W I S N O T 2007 AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that MORTGAGOR: S a n d r a K o r t g a r d , a single person. default has occurred in conditions of MORTGAGEE: Mortgage Electronic the following described mortgage: Registration Systems, Inc. DATE OF MORTGAGE: M a r c h 1 4 , DATE AND PLACE OF RECORDING: 2003 Registered August 20, 2007, Dakota MORTGAGORS: C l a y t o n W . L i t c h County Registrar of Titles, Document field and Rochelle K. Litchfield, husNo. 615936, Certificate of Title No. band and wife.

141921.

MORTGAGEE: Welcome Home MortA S S I G N M E N T S O F M O R T G A G E : gage Services Co. Assigned to: HSBC Bank USA, NA, DATE AND PLACE OF RECORDING: Recorded April 24, 2003, Dakota Dated: November 12, 2009.

Said Mortgage being Registered County Recorder, Document No. Land.

2036442.

ASSIGNMENTS OF MORTGAGE: TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. Assigned to: National City Real Estate T R A N S A C T I O N A G E N T ' S M O R T - Services LLC s/b/m National City MortGAGE IDENTIFICATION NUMBER ON gage, Inc. f/k/a National City Mortgage MORTGAGE: 100077960000906132 Co., Dated: March 14, 2003, Recorded: LENDER OR BROKER AND MORT- A p r i l 2 4 , 2 0 0 3 , D o c u m e n t N o .

G A G E O R I G I N A T O R S T A T E D O N 2036443.

MORTGAGE: Decision One Mortgage TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTCompany, LLC R E S I D E N T I A L M O R T G A G E S E R - GAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE VICER: HSBC Bank USA, N.A. LENDER OR BROKER AND MORTMORTGAGED PROPERTY ADDRESS: 112 County Road 42, Apple Valley, MN G A G E O R I G I N A T O R S T A T E D O N 55124 MORTGAGE: Welcome Home MortTAX PARCEL I.D.#: 01-11703-110-02 gage Services Co. RESIDENTIAL MORTGAGE SERLEGAL DESCRIPTION OF PROPERTY: VICER: National City Real Estate SerALL OF LOT ELEVEN (11), BLOCK vices LLC TWO (2), APPLE VALLEY 4TH ADDIMORTGAGED PROPERTY ADDRESS: TION AS RECORDED EXCEPTING 4163 Starbridge Court, Eagan, MN THAT PORTION BOUNDED BY THE 55122 LINES DESCRIBED AS FOLLOWS: TAX PARCEL I.D.#: 10-83571-100-01 THE EAST LINE OF LOT 11, THE LEGAL DESCRIPTION OF PROPERTY: SOUTH LINE OF LOT 11, AND A LINE Lot 10, Block 1, Wenzel Second BEGINNING ON THE SOUTH LINE OF Addition, Dakota County, Minnesota.

LOT 11, 13.08’ WEST OF THE COUNTY IN WHICH PROPERTY IS SOUTHEAST CORNER AND EXTEND- LOCATED: Dakota ING NORTHWEST AND PARALLEL ORIGINAL PRINCIPAL AMOUNT OF TO THE EAST LINE OF LOT 11 A MORTGAGE: $230,000.00 DISTANCE OF 106.28’ THENCE AMOUNT DUE AND CLAIMED TO BE WITH AN ANGLE OF 13°07’34” AND DUE AS OF DATE OF NOTICE, INCLUDCONTINUING NORTHWESTERLY A ING TAXES, IF ANY, PAID BY MORTD I S T A N C E O F 5 7 . 5 8 ’ T O T H E GAGEE: $233,158.12 That prior to the commencement of NORTHEAST CORNER OF LOT 11 AND NORTHWEST CORNER OF LOT this mortgage foreclosure proceeding 12, ACCORDING TO THE MAP OR Mortgagee/Assignee of Mortgagee comPLAT THEREOF ON FILE AND OF plied with all notice requirements as RECORD IN THE OFFICE OF THE required by statute; That no action or REGISTRAR OF TITLES IN AND FOR proceeding has been instituted at law DAKOTA COUNTY, MINNESOTA. S U B J E C T T O E A S E M E N T S A N D ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� ��� ���� ������ ������ �������to recover the at law or otherwise tuted debt secured by said mortgage, or any ���������� ���� ��������� proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale 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 17, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

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 21, 2009.

National City Real Estate Services LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 4-1771 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until November 19, 2009 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: September 21, 2009.

National City Real Estate Services LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 4-1771 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until March 11, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: December 7, 2009.

PNC Bank, National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 4-1771 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 200412 12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: December 23, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $163,200.00 MORTGAGOR(S): William F. Harsha and Edna L. Harsha, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: January 09, 2006 Dakota County Recorder, Document Number: 2395640 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1000269-0003084930-0 Lender or Broker: Bell America Mortgage LLC dba Bell Mortgage Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 20953 Iteri Ave, Lakeville, MN 55044-5918 Tax Parcel ID Number: 22 17750 150 02 LEGAL DESCRIPTION OF PROPERTY: Lot 15, Block 2, Clay's Acres, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $164,731.98 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the

part thereof; PURSUANT to the power of sale 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 23, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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 23, 2010, or the next business day if April 23, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 03, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008141F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 23, 2009 at 10:00 AM has been postponed to December 10, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: October 23, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008141F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 10, 2009 at 10:00 AM has been postponed to January 14, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 10, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008141F01 2003998 12/10/09

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 23, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $122,000.00 MORTGAGOR(S): Jodene M Kipfer, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: September 05, 2007 Dakota County Recorder Document Number: 2542093 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, L.P. Dated: August 14, 2009 Recorded: September 14, 2009 Dakota County Recorder Document Number: 2684073 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100177050500036827 Lender or Broker: Cornerstone Mortgage Company Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota

LOCATED: Dakota Property Address: 5157 148th St W, Apple Valley, MN 55124-6487 Tax Parcel ID Number: 01-20505-112-01 LEGAL DESCRIPTION OF PROPERTY: Lot 112, Block 1, Diamond Path 6th Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $123,777.76 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 30, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 14, 2010, or the next business day if July 14, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 17, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007746F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 30, 2009 at 10:00 AM has been postponed to December 10, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: October 30, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 10, 2009 at 10:00 AM has been postponed to January 14, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 10, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007746F01 2005517 12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 29, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $232,400.00 MORTGAGOR(S): Bart J. Fields, an unmarried man MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: July 18, 2006 Dakota County Recorder, Document Number: 2446077 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100020000350810259 Lender or Broker: PHH Home Loans, LLC Residential Mortgage Servicer: Countrywide Home Loans, Inc. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 6837 Upper 162nd St W, Rosemount, MN 55068-1945 Tax Parcel ID Number:

Tax Parcel ID Number: 22-21172-200-03 LEGAL DESCRIPTION OF PROPERTY: Lot 20, Block 3, Donnay's Valley Park 3rd, according to the recorded plat thereof on file and of record in the office of the County Recorder, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $233,771.38 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: May 21, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: April 02, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 7650 Currell Blvd Ste 300 Woodbury, MN 55125-8209 651-209-3300 File Number: 002912F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for May 21, 2009 at 10:00 AM has been Postponed to July 02, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: May 21, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 002912F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for July 02, 2009 at 10:00 AM has been Postponed to September 03, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: July 02, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 002912F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for September 03, 2009 at 10:00 AM has been postponed to December 03, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: October 15, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 002912F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 03, 2009 at 10:00 AM has been postponed to January 07, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 03, 2009

DATED: December 03, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 002912F01 2001961 12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 2 2 , 2007 MORTGAGORS: M i k h a i l I . G u t s a lyuk and Natasha V. Gutsalyuk, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded July 10, 2007, Dakota County Recorder, Document No. 2529371.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: December 15, 2008.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100162500039237228 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: AmTrust Bank RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 18730 Dylan Drive, Farmington, MN 55024 TAX PARCEL I.D.#: 14-47801-120-04 LEGAL DESCRIPTION OF PROPERTY: Lot 12, Block 4, Meadow Creek Second Addition, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $261,250.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $270,513.02 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: March 5, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: December 17, 2008.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6113 1991532170 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 April 30, 2009 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: March 3, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6113 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE

MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until July 23, 2009 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: April 29, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6113 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until August 27, 2009 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: July 24, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6113 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until December 3, 2009 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: August 26, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6113 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until March 11, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: December 3, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6113 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2002719 12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: December 22, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $123,830.00 MORTGAGOR(S): Steven C. Bergesen, a single man MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: January 26, 2006 Dakota County Recorder, Document Number: 2400554 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, LP, Dated: September 21, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1001337-0001125593-5 Lender or Broker: Countrywide Bank, N.A. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4434 Cinnamon Ridge Trl, Eagan, MN 55122-2385 Tax Parcel ID Number: 10.17404.021.01 LEGAL DESCRIPTION OF PROPERTY: THAT PART OF LOT 2, BLOCK 1, CINNAMON RIDGE 5TH ADDITION, CITY OF EAGAN, DAKOTA COUNTY, MINNESOTA, LYING EASTERLY OF A LINE DRAWN FROM A POINT ON THE SOUTH LINE OF SAID LOT 2, DISTANT 32.99 FEET EAST OF THE SOUTHWEST CORNER THEREOF TO A POINT ON THE NORTH LINE OF SAID LOT 2, DISTANT 33.00 FEET EAST OF NORTHWEST CORNER THEREOF. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $141,189.86 THAT all pre-foreclosure require-

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THAT all pre foreclosure require ments have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 12, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 12, 2010, or the next business day if May 12, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 01, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, LP Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008636F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for November 12, 2009 at 10:00 AM has been postponed to December 10, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: November 12, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, LP Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008636F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 10, 2009 at 10:00 AM has been postponed to January 14, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 10, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, LP Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008636F01 2007282 12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 29, 2005 MORTGAGOR: Tryndan Wikenheiser, a single person.

MORTGAGEE: Commonwealth United Mortgage a division of National City Bank of Indiana n/k/a National City Bank DATE AND PLACE OF RECORDING: Recorded November 30, 2005, Dakota County Recorder, Document No. 2384990.

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: Commonwealth United Mortgage a division of National City

Mortgage a division of National City Bank of Indiana n/k/a National City Bank RESIDENTIAL MORTGAGE SERVICER: National City Real Estate Services LLC MORTGAGED PROPERTY ADDRESS: 14685 Biscayne Way, Rosemount, MN 55068 TAX PARCEL I.D.#: 34-80050-140-02 LEGAL DESCRIPTION OF PROPERTY: Lot Fourteen, Block Two University Addition, according to the recorded plat thereof, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $173,040.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $178,296.46 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: June 4, 2009 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.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: April 7, 2009.

National City Bank Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 4-1594 0004447269 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until August 27, 2009 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: June 8, 2009.

National City Bank Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 4-1594 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 1, 2009 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: August 27, 2009.

National City Bank Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 4-1594 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until December 3, 2009 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: September 30, 2009.

National City Bank Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 4-1594 THIS IS A COMMUNICATION FROM

THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until February 11, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: December 3, 2009.

National City Bank Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 4-1594 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2002894 12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE:June 20, 2005 MORTGAGORS:Thomas L. Farris and Patricia Q. Farris, husband and wife.

MORTGAGEE:Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded July 7, 2005, Dakota County Recorder, Document No. 2337995.

ASSIGNMENTS OF MORTGAGE: Assigned to: WACHOVIA BANK, NATIONAL ASSOCIATION, AS TRUSTEE FOR THE CERTIFICATEHOLDERS FOR MERRILL LYNCH MORTGAGE INVESTORS TRUST, MORTGAGE LOAN ASSET-BACKED CERTIFICATES, SERIES 2005-A8, Dated: September 2, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100013800871547044 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: GreenPoint Mortgage Funding, Inc. RESIDENTIAL MORTGAGE SERVICER: BAC Home Loans Servicing L.P. MORTGAGED PROPERTY ADDRESS: 10956 Alameda Path, Inver Grove Heights, MN 55077 TAX PARCEL I.D. #: 207140001002 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 2, Southern Lakes Estates, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $650,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $666,154.60 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 19, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 19, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: September 17, 2009.

Wachovia Bank, NA, as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416

Minneapolis, MN 55416 (952) 925-6888 18-686 22155982 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until January 14, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: December 8, 2009.

Wachovia Bank, NA Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-686 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2006886 12/10/09

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: February 10, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $205,000.00 MORTGAGOR(S): Debra L. Bartels and Terry M. Bartels, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: April 11, 2003 Dakota County Recorder Document Number: 2029155 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700019980180 Lender or Broker: America's Wholesale Lender Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 415 15th St E, Hastings, MN 55033-2855 Tax Parcel ID Number: 19-77300-230-01 LEGAL DESCRIPTION OF PROPERTY: The South 1/2 of Lot 18; all of Lots 19 and 20; the East 24 feet of Lots 21 and 22; the East 24 feet of South 1/2 of Lot 23, Block 1, Tripp's Addition to Hastings, together with that part of vacated Bailly Street as platted in Tripp's Addition to Hastings, on file and of record in the Office of the County Recorder, Dakota County, Minnesota, except that part lying easterly of the following described line: Commencing at the Southwest corner of Section 27, Township 115, Range 17; thence North 89 degrees 23 minutes 09 seconds East, bearing assumed, along the South line of said Section 27; a distance of 1510.97 feet; thence North 0 degrees 48 minutes 12 seconds West a distance of 35.77 feet to the North right-of-way line of 15th Street and the point of beginning of the line to be described; thence North 0 degrees 48 minutes 12 seconds West a distance of 763.60 feet to its intersection with the Easterly extension of the North line of Lot 9, Block 1 of Tripp's Addition to Hastings and there terminating.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $192,672.65 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: August 06, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED.

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������ ������ ������� ARE ABANDONED. f e e s a�������� l l o w e d b y ��� l a w���� subject to DATED: June 18, 2009 redemption within six (6) months from the date of said sale by the MORTGAGEE: Mortgage Electronic mortgagor(s), their personal represenRegistration Systems, Inc. tatives or assigns.

Wilford & Geske, P.A. MORTGAGOR(S) RELEASED FROM Attorneys for Mortgagee FINANCIAL OBLIGATION ON MORTLawrence A. Wilford GAGE: None James A. Geske "THE TIME ALLOWED BY LAW FOR 8425 Seasons Parkway, Suite 105 REDEMPTION BY THE MORTGAGOR, Woodbury, MN 55125-4393 THE MORTGAGOR'S PERSONAL REP(651) 209-3300 RESENTATIVES OR ASSIGNS, MAY BE File Number: 004683F01 REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER NOTICE OF POSTPONEMENT OF MINNESOTA STATUTES, SECTION MORTGAGE FORECLOSURE SALE The above referenced sale scheduled 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G for August 06, 2009 at 10:00 AM has O T H E R T H I N G S , T H A T T H E been postponed to September 17, 2009 M O R T G A G E D P R E M I S E S A R E at 10:00 AM in the Dakota County Law I M P R O V E D W I T H A R E S I D E N T I A L Enforcement Center, 1580 Highway 55, D W E L L I N G O F L E S S T H A N F I V E Lobby S-100, Hastings, Minnesota in UNITS, ARE NOT PROPERTY USED IN said County and State.

AGRICULTURAL PRODUCTION, AND DATED: August 06, 2009 ARE ABANDONED." MORTGAGEE: Dated: January 19, 2009.

CitiMortgage, Inc. Mortgage Electronic Registration Systems, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. NOTICE OF POSTPONEMENT OF By: Paul A. Weingarden MORTGAGE FORECLOSURE SALE The above referenced sale scheduled Attorneys for Mortgagee/Assignee of for September 17, 2009 at 10:00 AM Mortgagee has been postponed to October 29, 4500 Park Glen Road #300 2 0 0 9 a t 1 0 : 0 0 A M i n t h e D a k o t a Minneapolis, MN 55416 County Law Enforcement Center, 1580 (952) 925-6888 Highway 55, Lobby S-100, Hastings, 10-1331 2004926037 Minnesota in said County and State.

DATED: September 17, 2009 THIS IS A COMMUNICATION FROM MORTGAGEE: A DEBT COLLECTOR. Mortgage Electronic NOTICE OF POSTPONEMENT OF Registration Systems, Inc. MORTGAGE FORECLOSURE SALE Pursuant to the provisions of NOTICE OF POSTPONEMENT OF Minnesota Statutes 580.07, the MORTGAGE FORECLOSURE SALE The above referenced sale scheduled f o r e g o i n g f o r e c l o s u r e s a l e i s for October 29, 2009 at 10:00 AM has postponed until June 30, 2009 at 10:00 been postponed to December 03, 2009 a m a t t h e S h e r i f f ' s O f f i c e , L a w at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Hwy 55, Enforcement Center, 1580 Highway 55, Lobby #S-100, Hastings, MN, in said Lobby S-100, Hastings, Minnesota in county and state. said County and State.

Dated: March 12, 2009.

DATED: October 29, 2009 CitiMortgage, Inc. MORTGAGEE: Mortgagee/Assignee of Mortgagee Mortgage Electronic USSET, WEINGARDEN AND LIEBO, P.L.L.P. Registration Systems, Inc. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of NOTICE OF POSTPONEMENT OF Mortgagee MORTGAGE FORECLOSURE SALE The above referenced sale scheduled 4500 Park Glen Road #300 for December 03, 2009 at 10:00 AM has Minneapolis, MN 55416 been postponed to January 14, 2010 at (952) 925-6888 10:00 AM in the Dakota County Law 10-1331 Enforcement Center, 1580 Highway 55, THIS IS A COMMUNICATION FROM Lobby S-100, Hastings, Minnesota in A DEBT COLLECTOR. said County and State.

NOTICE OF POSTPONEMENT OF DATED: December 03, 2009 MORTGAGE FORECLOSURE SALE MORTGAGEE: Pursuant to the provisions of Mortgage Electronic Minnesota Statutes 580.07, the Registration Systems, Inc. foregoing foreclosure sale is Wilford & Geske, P.A. postponed until November 10, 2009 at Attorneys for Mortgagee: 10:00 am at the Sheriff's Office, Law Lawrence A. Wilford Enforcement Center, 1580 Hwy 55, James A. Geske Lobby #S-100, Hastings, MN, in said 8425 Seasons Parkway, Suite 105 county and state.

Woodbury, MN 55125-4393 Dated: July 2, 2009.

(651) 209-3300 CitiMortgage, Inc. File Number: 004683F01 Mortgagee/Assignee of Mortgagee 2005204 12/10/09 USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee NOTICE OF MORTGAGE 4500 Park Glen Road #300 FORECLOSURE SALE Minneapolis, MN 55416 THE RIGHT TO VERIFICATION OF (952) 925-6888 THE DEBT AND IDENTITY OF THE 10-1331 ORIGINAL CREDITOR WITHIN THE THIS IS A COMMUNICATION FROM TIME PROVIDED BY LAW IS NOT A DEBT COLLECTOR. AFFECTED BY THIS ACTION. NOTICE OF POSTPONEMENT OF NOTICE IS HEREBY GIVEN, that MORTGAGE FORECLOSURE SALE default has occurred in conditions of Pursuant to the provisions of the following described mortgage: Minnesota Statutes 580.07, the DATE OF MORTGAGE: December 14, foregoing foreclosure sale is 2007 postponed until December 8, 2010 at MORTGAGORS: Dennis W. Danforth 10:00 am at the Sheriff's Office, Law and Janelle Danforth, husband and Enforcement Center, 1580 Hwy 55, wife.

Lobby #S-100, Hastings, MN, in said MORTGAGEE: Mortgage Electronic county and state.

Registration Systems, Inc. Dated: November 12, 2009.

DATE AND PLACE OF RECORDING: CitiMortgage, Inc. Recorded January 14, 2008, Dakota Mortgagee/Assignee of Mortgagee County Recorder, Document No. USSET, WEINGARDEN AND LIEBO, P.L.L.P. 2566057.

By: Paul A. Weingarden ASSIGNMENTS OF MORTGAGE: Attorneys for Mortgagee/Assignee of Assigned to: CitiMortgage, Inc., Dated: Mortgagee January 7, 2009.

4500 Park Glen Road #300 TRANSACTION AGENT: Mortgage Minneapolis, MN 55416 Electronic Registration Systems, Inc. (952) 925-6888 TRANSACTION AGENT'S MORT10-1331 GAGE IDENTIFICATION NUMBER ON THIS IS A COMMUNICATION FROM MORTGAGE: 100011520049260377 A DEBT COLLECTOR. LENDER OR BROKER AND MORTNOTICE OF POSTPONEMENT OF GAGE ORIGINATOR STATED ON MORTGAGE FORECLOSURE SALE MORTGAGE: CitiMortgage, Inc. Pursuant to the provisions of RESIDENTIAL MORTGAGE SERMinnesota Statutes 580.07, the VICER: CitiMortgage, Inc. foregoing foreclosure sale is MORTGAGED PROPERTY ADDRESS: postponed until December 22, 2009 at 500 Greenhaven Drive 305, Burnsville, 10:00 am at the Sheriff's Office, Law MN 55306 Enforcement Center, 1580 Hwy 55, TAX PARCEL I.D.#: 02-16999-305-05 Lobby #S-100, Hastings, MN, in said LEGAL DESCRIPTION OF PROPERTY: county and state.

Unit #305, CIC #517, Chateau Ridge Dated: December 2, 2009.

Condominiums CitiMortgage, Inc. COUNTY IN WHICH PROPERTY IS Mortgagee/Assignee of Mortgagee LOCATED: Dakota USSET, WEINGARDEN AND LIEBO, ORIGINAL PRINCIPAL AMOUNT OF P.L.L.P. MORTGAGE: $396,683.00 By: Paul A. Weingarden AMOUNT DUE AND CLAIMED TO BE Attorneys for Mortgagee/Assignee of DUE AS OF DATE OF NOTICE, INCLUDMortgagee ING TAXES, IF ANY, PAID BY MORT4500 Park Glen Road #300 GAGEE: $415,712.66 Minneapolis, MN 55416 That prior to the commencement of (952) 925-6888 this mortgage foreclosure proceeding 10-1331 Mortgagee/Assignee of Mortgagee comTHIS IS A COMMUNICATION FROM plied with all notice requirements as A DEBT COLLECTOR. required by statute; That no action or 2000244 12/10/09 proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; NOTICE OF PURSUANT to the power of sale MORTGAGE FORECLOSURE SALE contained in said mortgage, the above THE RIGHT TO VERIFICATION OF described property will be sold by the THE DEBT AND IDENTITY OF THE Sheriff of said county as follows: ORIGINAL CREDITOR WITHIN THE DATE AND TIME OF SALE: March T I M E P R O V I D E D B Y L A W I S N O T 17, 2009 at 10:00 AM AFFECTED BY THIS ACTION. PLACE OF SALE: S h e r i f f ' s O f f i c e , NOTICE IS HEREBY GIVEN, that Law Enforcement Center, 1580 Hwy default has occurred in conditions of 55, Lobby #S-100, Hastings, MN the following described mortgage: to pay the debt then secured by said DATE OF MORTGAGE: November 28, Mortgage, and taxes, if any, on said 2005 premises, and the costs and MORTGAGOR: C y n t h i a K . E y e r , a disbursements, including attorneys' f e e s a l l o w e d b y l a w s u b j e c t t o ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� ��� ���� ������ ������ ������� default has occurred in conditions of the following described mortgage: ���������� ���� ��������� MORTGAGOR: C y n t h i a K . E y e r , a married person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded January 5, 2006, Dakota County Recorder, Document No. 2394856.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR GSAA HOME EQUITY TRUST 2006-3, Dated: August 28, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100059600068128797 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Universal American Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: BAC Home Loans Servicing L.P. MORTGAGED PROPERTY ADDRESS: 18317 Lansford Path, Lakeville, MN 55044 TAX PARCEL I.D. #: 225850013009 LEGAL DESCRIPTION OF PROPERTY: Lot 13, Block 9, Prairie Lake 1st Addition, CIC Number 416.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $304,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $312,027.15 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 19, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 19, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: September 15, 2009.

U.S. Bank, N. A., as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-680 115827470 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until January 21, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: December 8, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-680 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2006872 12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of

DATE OF MORTGAGE: April 4, 2006 MORTGAGORS: Barbara Dinsmore and John Dinsmore, wife and husband.

MORTGAGEE: ABN AMRO Mortgage Group, Inc., NKA CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Registered April 25, 2006, Dakota County Registrar of Titles, Document No. 588794, Certificate of Title No. 52282.

ASSIGNMENTS OF MORTGAGE: NONE Said Mortgage being Registered Land.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: ABN AMRO Mortgage Group, Inc., NKA CitiMortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 3674 Conroy Court, Inver Grove Heights, MN 55076 TAX PARCEL I.D.#: 20-53652-010-21 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 21, the Oaks 3rd Addition.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $118,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $110,682.13 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: September 10, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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 7, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-1964 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 15, 2009 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: September 14, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-1964 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until November 19, 2009 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: October 7, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-1964 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

Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until January 21, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: December 8, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-1964 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2007096 12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: F e b r u a r y 8 , 2007 MORTGAGORS: Richard E. Fritz and Barbara J. Fritz, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered February 26, 2007, Dakota County Registrar of Titles, Document No. 606663, Certificate of Title No. 113918.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: September 18, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100011507713339611 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Citibank, N.A. RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 11350 Albavar Path, Inver Grove Heights, MN 55077 TAX PARCEL I.D.#: 20-84001-100-01 LEGAL DESCRIPTION OF PROPERTY: Lot 10, Block 1 in Whistlewood Farms 2nd Addition, according to the recorded plat thereof.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $150,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $154,123.69 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 3, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 3, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: September 22, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7095 930251403 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE

MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until January 7, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: December 3, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7095 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2002156 12/10/09

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 2, 2007 MORTGAGORS: Ramdaye R. Roopnarine and Goolcharan Roopnarine, wife and husband.

MORTGAGEE: National City Mortgage a division of National City Bank.

DATE AND PLACE OF RECORDING: Recorded April 18, 2007, Dakota County Recorder, Document No. 2510502.

ASSIGNMENTS OF MORTGAGE: Assigned to: National City Mortgage Co. a division of National City Bank, Dated: September 17, 2007, Recorded: October 9, 2007, Document No. 2549234.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: National City Mortgage a division of National City Bank RESIDENTIAL MORTGAGE SERVICER: National City Real Estate Services LLC MORTGAGED PROPERTY ADDRESS: 13521 Morgan Avenue, Burnsville, MN 55337 TAX PARCEL I.D. #: 023275014002 LEGAL DESCRIPTION OF PROPERTY: Lot 14, Block 2, Hidden Glen of Burnsville.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $258,750.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $266,787.62 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 8, 2009 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 8, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: August 11, 2009.

National City Bank Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 4-1804 0005487717

0005487717 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until November 19, 2009 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: October 8, 2009.

National City Bank Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 4-1804 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until January 21, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: December 7, 2009.

National City Bank Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/ Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 4-1804 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2005364 12/10/09

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: April 27, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $187,500.00 MORTGAGOR(S): Duncan W York and Nicole E. Nieman-York, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: May 10, 2007 Dakota County Recorder, Document Number: 2515908 ASSIGNMENTS OF MORTGAGE: And assigned to: Provident Funding Associates, L.P., Dated: August 06, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100017935170401216 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: 1074 Oakdale Ave, West Saint Paul, MN 55118-1506 Tax Parcel ID Number: 42-34001-030-02 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 2, Hurley's Second Addition to West St. Paul AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $188,756.26 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: September 25, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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 25, 2010, or the next business day if March 25, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE

DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: August 13, 2009 ASSIGNEE OF MORTGAGEE: Provident Funding Associates, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007168F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for September 25, 2009 at 10:00 AM has been postponed to December 03, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: September 25, 2009 ASSIGNEE OF MORTGAGEE: Provident Funding Associates, L.P. Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007168F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 03, 2009 at 10:00 AM has been postponed to March 04, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 03, 2009 ASSIGNEE OF MORTGAGEE: Provident Funding Associates, L.P. Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007168F01 1999901 12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: March 23, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $60,000.00 MORTGAGOR(S): Leroy Drinnin and Alzada R. Drinnin, Husband and Wife MORTGAGEE: Countrywide Home Loans, Inc DATE AND PLACE OF RECORDING: Recorded: April 19, 2004 Dakota County Recorder, Document Number: 2195808 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, LP, Dated: July 20, 2009 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Countrywide Home Loans, Inc Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 224 13th Ave S, South Saint Paul, MN 55075-2234 Tax Parcel ID Number: 36-83900-070-10 LEGAL DESCRIPTION OF PROPERTY: Lot 7, Block 10, Wharton & Miller's Addition to South St. Paul AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $56,697.21 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: September 24, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on March 24, 2010, or the next business day if March 24, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL

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THE MORTGAGOR S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, 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 06, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, LP Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 005858F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for September 24, 2009 at 10:00 AM has been postponed to October 29, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: September 24, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, LP Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 005858F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 29, 2009 at 10:00 AM has been postponed to December 03, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: October 29, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, LP Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 005858F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 03, 2009 at 10:00 AM has been postponed to January 14, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 03, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, LP Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 005858F01 2002605 12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 2 2 , 2004 MORTGAGORS: J u a n C a r l o s Franchevich and Cristiane M. Franchevich, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded November 22, 2004, Dakota County Recorder, Document No. 2269941.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: June 22, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100021278908361350 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: U.S. Bancorp Advantage, LLC RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 15535 Duck Tail Lane #402, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-18052-402-20 LEGAL DESCRIPTION OF PROPERTY: Unit No. 402, Common Interest Community No. 397, Bayside, a condominium, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $272,686.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $260,244.80 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

or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: August 27, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: June 29, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-246 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 1, 2009 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: August 26, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-246 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until December 3, 2009 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: September 29, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-246 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until March 11, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: December 3, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-246 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2002798 12/10/09

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: April 14, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $335,500.00 MORTGAGOR(S): Huong Kim Nguyen, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: April 24, 2006 Dakota County Recorder Document Number: 2422970 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100039295046575493 Lender or Broker: First Magnus Financial Corporation Residential Mortgage Servicer: BAC Home Loans Servicing, L.P.

Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 20701 Gemini Trl, Lakeville, MN 55044-2514 Tax Parcel ID Number: 22-71450-080-03 LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 3, Spyglass, according to the recorded plat thereof, and situate in Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $334,144.82 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: August 14, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: July 02, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 005824F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for August 14, 2009 at 10:00 AM has been postponed to November 12, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: August 14, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for November 12, 2009 at 10:00 AM has been postponed to December 17, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: November 12, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 17, 2009 at 10:00 AM has been postponed to January 21, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 17, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 005824F01 2005241 12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 24, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $183,600.00 MORTGAGOR(S): Jeffrey R Peters, a single man MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 11, 2004 Dakota County Recorder, Document Number: 2256544 ASSIGNMENTS OF MORTGAGE: And

ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, L.P., Dated: August 24, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700042035838 Lender or Broker: Countrywide Home Loans, Inc. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 517 Upper Wood Way, Burnsville, MN 55337-5721 Tax Parcel ID Number: 02-84812-040-02 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 2, Wood Park Plat Thirteen AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $178,742.48 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 22, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 22, 2010, or the next business day if April 22, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 03, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007703F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 22, 2009 at 10:00 AM has been postponed to December 03, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: October 22, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007703F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 03, 2009 at 10:00 AM has been postponed to January 07, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 03, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007703F01 1999356 12/10/09

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 28, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $468,000.00 MORTGAGOR(S): Linh H. Nguyen,

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������ ������ ������� ���have ���� H. Nguyen, Linh MORTGAGOR(S): closure�������� requirements been com married plied with; that no action or proceedMORTGAGEE: Mortgage Electronic i n g h a s b e e n i n s t i t u t e d a t l a w t o recover any part of the debt secured by Registration Systems, Inc. DATE AND PLACE OF REGISTER- said mortgage; that there is claimed to be due thereon the sum of Three MilING: Registered: October 10, 2005 Dakota lion Seven Hundred Fifty-seven Thousand One Hundred Sixty County Registrar of Titles Document Number: 576460 ($3,757,160.00) Dollars on this date; ASSIGNMENTS OF MORTGAGE: and that pursuant to the power of sale And assigned to: CitiMortgage, Inc. therein the mortgage will be foreDated: May 30, 2008 closed and the property in Dakota Registered: June 02, 2008 Dakota County, Minnesota, described as folCounty Registrar of Titles lows: Document Number: T628745 Parcel 1: Transaction Agent: Mortgage ElecThe West 1⁄2 of Northeast 1⁄4; and the tronic Registration Systems, Inc. East 1⁄2 of the Northwest 1⁄4 of SecTransaction Agent Mortgage Identifition 30, Township 115, Range 18, cation Number: 100131020509250062 according to the United States GovLender or Broker: American Morternment Survey thereof and situate gage Network, Inc. in Dakota County, Minnesota.

Residential Mortgage Servicer: CitiParcel 2: Mortgage, Inc. The Northeast 1⁄4 of the Southwest 1⁄4; Mortgage Originator: Not Applicable the Southeast 1⁄4 of the Northwest 1⁄4; CERTIFICATE OF TITLE NUMBER: the Northeast 1⁄4 of the Northwest 1⁄4; 137798 and a strip of land 1 rod wide off and COUNTY IN WHICH PROPERTY IS along the North side of the SouthLOCATED: Dakota west 1⁄4 of the Northwest 1⁄4 all in SecProperty Address: 1847 Deer Pond tion 14, Township 27, Range 23, Cir, Eagan, MN 55122-1145 according to the United States GovTax Parcel ID Number: ernment Survey thereof excepting 10-14325-150-02 that portion platted as Carriage Hills LEGAL DESCRIPTION OF PROPClubhouse Addition and situate in ERTY: Lot Fifteen (15), Block Two (2), Dakota County, Minnesota. Lot 1, Blackhawk Forest Block 1, Carriage Hills Clubhouse AMOUNT DUE AND CLAIMED TO BE Addition, Dakota County, Minnesota.

D U E A S O F D A T E O F N O T I C E : Property address: Parcel 1: 3855 $532,807.66 145th Street East, Rosemount, MN THAT all pre-foreclosure require- 55068 ments have been complied with; that Parcel 2: 3535 Wescott Woodlands, no action or proceeding has been insti- Eagan, MN 55123 tuted at law or otherwise to recover the Parcel I.D.#: debt secured by said mortgage, or any Parcel 1: part thereof; that this is registered 34-03000-010-09;34-03000-010-2 property; 5; 34-03000-010-30 / PURSUANT to the power of sale conParcel 2: tained in said mortgage, the 10-01400-011-25;10-01400-011-5 above-described property will be sold 0; 10-16500-010-01 by the Sheriff of said county as fol- w i l l b e s o l d b y t h e s h e r i f f o f s a i d lows: county at public auction on November DATE AND TIME OF SALE: Decem- 3 , 2 0 0 9 , at 10:00 o'clock A.M. at ber 03, 2009 at 10:00 AM Sheriff's Office, Law Enforcement PLACE OF SALE: Dakota County Center, 1580 Highway 55, Hastings, Law Enforcement Center, 1580 High- Minnesota, to pay the debt secured by way 55, Lobby S-100, Hastings, Minne- the mortgage, including costs and sota attorneys' fees allowed by law subject to pay the debt secured by said mort- to redemption by the mortgagor(s), its gage and taxes, if any, on said pre- heirs or assigns, within twelve (12) mises and the costs and disburse- months from the date of sale. ments, including attorney fees allowed Dated: September 2, 2009 by law, subject to redemption within Vermillion State Bank, Mortgagee six (6) months from the date of said Ralph L. Moore sale by the mortgagor(s), their per- STEIN & MOORE, P.A. sonal representatives or assigns.

Attorneys for Mortgagee If the Mortgage is not reinstated 332 Minnesota Street, #W-1650 under Minn. Stat. §580.30 or the prop- St. Paul, MN 55101 erty is not redeemed under Minn. Stat. (651) 224-9683 §580.23, the Mortgagor must vacate NOTICE OF POSTPONEMENT OF the property on or before 11:59 p.m. on MORTGAGE FORECLOSURE SALE July 14, 2010, or the next business day Pursuant to the provisions of Minn. if July 14, 2010 falls on a Saturday, S t a t . § 5 8 0 . 0 7 , t h e f o r e g o i n g Sunday or legal holiday. foreclosure sale is postponed until Mortgagor(s) released from financial November 17, 2009, at 10:00 a.m. at obligation: NONE the Sheriff’s Office, Law Enforcement THIS COMMUNICATION IS FROM Center, 1580 Highway 55, Hastings, A DEBT COLLECTOR ATTEMPT- Dakota County, Minnesota.

ING TO COLLECT A DEBT. ANY The Mortgagor(s) must vacate the INFORMATION OBTAINED WILL BE p r o p e r t y o n o r b e f o r e 1 1 : 5 9 o n USED FOR THAT PURPOSE. November 17, 2010, if the sheriff’s sale THE RIGHT TO VERIFICATION OF is not further postponed, the mortgage THE DEBT AND IDENTITY OF THE is not reinstated under §580.30, the ORIGINAL CREDITOR WITHIN THE p r o p e r t y i s n o t r e d e e m e d u n d e r T I M E P R O V I D E D B Y L A W I S N O T §580.23, or the redemption period is AFFECTED BY THIS ACTION. not reduced under §582.032.

THE TIME ALLOWED BY LAW FOR Dated: November 2, 2009 REDEMPTION BY THE MORTGAGOR, Vermillion State Bank THE MORTGAGOR'S PERSONAL REPMortgagee RESENTATIVES OR ASSIGNS, MAY BE Ralph L. Moore REDUCED TO FIVE WEEKS IF A JUDI- STEIN & MOORE, P.A. CIAL ORDER IS ENTERED UNDER Attorneys for Mortgagee MINNESOTA STATUTES, SECTION 332 Minnesota Street, Suite W-1650 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G St. Paul, MN 55101 OTHER THINGS, THAT THE MORT- (651) 224-9683 GAGED PREMISES ARE IMPROVED NOTICE OF POSTPONEMENT OF WITH A RESIDENTIAL DWELLING OF MORTGAGE FORECLOSURE SALE LESS THAN FIVE UNITS, ARE NOT Pursuant to the provisions of Minn.

PROPERTY USED IN AGRICULTURAL S t a t . § 5 8 0 . 0 7 , t h e f o r e g o i n g PRODUCTION, AND ARE ABANDONED. foreclosure sale is postponed until DATED: October 15, 2009 December 8, 2009, at 10:00 a.m. at the ASSIGNEE OF MORTGAGEE: Sheriff’s Office, Law Enforcement CitiMortgage, Inc. Center, 1580 Highway 55, Hastings, Wilford & Geske, P.A. Dakota County, Minnesota.

Attorneys for Assignee of Mortgagee The Mortgagor(s) must vacate the Lawrence A. Wilford property on or before 11:59 p.m. on James A. Geske December 8, 2010, if the sheriff’s sale 8425 Seasons Parkway, Suite 105 is not further postponed, the mortgage Woodbury, MN 55125-4393 is not reinstated under §580.30, the (651) 209-3300 property is not redeemed under File Number: 007255F02 §580.23, or the redemption period is NOTICE OF POSTPONEMENT OF not reduced under §582.032.

MORTGAGE FORECLOSURE SALE Dated: November 16, 2009 The above referenced sale scheduled Vermillion State Bank for December 03, 2009 at 10:00 AM has Mortgagee been postponed to January 14, 2010 at Ralph L. Moore 10:00 AM in the Dakota County Law STEIN & MOORE, P.A. Enforcement Center, 1580 Highway 55, Attorneys for Mortgagee Lobby S-100, Hastings, Minnesota in 332 Minnesota Street, Suite W-1650 said County and State.

St. Paul, MN 55101 DATED: December 03, 2009 (651) 224-9683 ASSIGNEE OF MORTGAGEE: NOTICE OF POSTPONEMENT OF CitiMortgage, Inc. MORTGAGE FORECLOSURE SALE Wilford & Geske, P.A. Pursuant to the provisions of Minn.

Attorneys for Assignee Of Mortgagee: Stat. §580.07, the foregoing Lawrence A. Wilford foreclosure sale is postponed until James A. Geske December 22, 2009, at 10:00 a.m. at 8425 Seasons Parkway, Suite 105 the Sheriff’s Office, Law Enforcement Woodbury, MN 55125-4393 Center, 1580 Highway 55, Hastings, (651) 209-3300 Dakota County, Minnesota.

File Number: 007255F02 The Mortgagor(s) must vacate the 2005163 12/10/09 property on or before 11:59 p.m. on December 22, 2010, if the sheriff’s sale is not further postponed, the mortgage is not reinstated under §580.30, the NOTICE OF MORTGAGE property is not redeemed under FORECLOSURE SALE §580.23, or the redemption period is NOTICE IS HEREBY GIVEN, that default has occurred in the conditions not reduced under §582.032.

Dated: December 4, 2009 of a mortgage dated September 24, Vermillion State Bank 1999, executed by Rahn Family LimMortgagee ited Partnership, a Minnesota limited Ralph L. Moore partnership, as mortgagor(s) to VerSTEIN & MOORE, P.A. million State Bank as mortgagee in Attorneys for Mortgagee the original principal amount of Three 332 Minnesota Street, Suite W-1650 Million Eight Hundred Eighty-five ThouSt. Paul, MN 55101 sand ($3,885,000.00) Dollars, recorded (651) 224-9683 with the Dakota County Recorder, State 2004145 12/10/09 of Minnesota, on October 6, 1999, as doc. no. 1643467; that all pre-foreclosure requirements have been com- ���������� �� ���� �����

PUBLIC NOTICE

50A

December 10, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

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PUBLIC NOTICE PUBLIC NOTICE NOTICE OF NOTICE OF MORTGAGE

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FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J a n u a r y 1 7 , 2008 MORTGAGORS: Valerie Lafave and Benjamin Lafave, wife and husband.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded February 11, 2008, Dakota County Recorder, Document No. 2571537.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: September 24, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100249120000129564 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Marketplace Home Mortgage, LLC RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 13905 Steven Road, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-15401-230-04 LEGAL DESCRIPTION OF PROPERTY: Lot 23, Block 4, Burnsville Heights Second Addition, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $239,946.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $252,835.39 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 3, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. 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 June 3, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 29, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-420 6800136736 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until February 4, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: December 3, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-420 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2002770 12/10/09

MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 07, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $243,750.00 MORTGAGOR(S): Leon Earl Martin and Barbara L. Martin, husband and wife and Michael Martin, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: September 23, 2005 Dakota County Recorder Document Number: 2363700 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, L.P. Dated: October 19, 2009 Recorded: October 20, 2009 Dakota County Recorder Document Number: 2691555 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100133700008669163 Lender or Broker: Countrywide Bank, N.A. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 19905 Everhill Ave, Farmington, MN 55024-8421 Tax Parcel ID Number: 14-16503-110-01 LEGAL DESCRIPTION OF PROPERTY: Lot 11, Block 1, Charleswood 4th Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $268,697.24 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 10, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. 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 July 14, 2010, or the next business day if July 14, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 22, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009523F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 10, 2009 at 10:00 AM has been postponed to January 14, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 10, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009523F01 2005492 12/10/09

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY December 10, 2009

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: May 29, 2002 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $215,200.00 MORTGAGOR(S): Patrick L. Judd and Laurie A. Judd, husband and wife MORTGAGEE: Homestead Mortgage Corporation DATE AND PLACE OF RECORDING: Recorded: July 29, 2002 Dakota County Recorder, Document Number: 1920816 ASSIGNMENTS OF MORTGAGE: And assigned to: TCF Mortgage Corporation, Dated: May 29, 2002, Recorded: November 06, 2002 Dakota County Recorder, Document Number: 1956390 And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: May 01, 2006, Recorded: May 10, 2006 Dakota County Recorder, Document Number: 2428023 And assigned to: U.S. Bank National Association, Dated: September 25, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001752540 Lender or Broker: Homestead Mortgage Corporation Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 16785 Firestone Way, Lakeville, MN 55044 Tax Parcel ID Number: 22-41750-040-03 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 3, Kilkenny Pond, according to the recorded plat thereof, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $207,239.48 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 10, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 22, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008969F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 10, 2009 at 10:00 AM has been postponed to January 14, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 10, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008969F01 1997524 12/10/09

PUBLIC NOTICE PUBLIC NOTICE NOTICE OF MORTGAGE 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: August 3, 2007 MORTGAGOR: Virginia L. Bilotta, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded August 28, 2007, Dakota County Recorder, Document No. 2540648.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: September 22, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100137510000313173 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Lakeland Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 111 12th Avenue South, South Saint Paul, MN 55075 TAX PARCEL I.D.#: 36-48800-290-03 LEGAL DESCRIPTION OF PROPERTY: Lot 28 and the South 1 foot of Lot 29, Block 3, Minnesota and Northwestern Addition, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $145,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $154,567.94 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 3, 2009 at 10:00 AM PLACE OF SALE: Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 3, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 5, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-395 6800098239 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until January 7, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: December 3, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-395 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2002810 12/10/09

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: June 1, 2005 MORTGAGORS: E r i k M . L u n d s t e d and Carrie A. Lundsted, husband and wife.

MORTGAGEE: B a n k e r s M o r t g a g e Company, LLC. DATE AND PLACE OF RECORDING: Registered June 29, 2005, Dakota County Registrar of Titles, Document No. 568460, Certificate of Title No. 136578.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: June 1, 2005, Recorded: June 29, 2005, Document No. 568461.

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: Bankers Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 703 South Oaks Drive, Hastings, MN 55033 TAX PARCEL I.D.#: 19-71025-020-04 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 4, South Oaks of Hastings COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $184,730.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $181,088.59 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 3, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 3, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: September 29, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weigarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-423 6800014362 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until February 4, 2010 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state.

Dated: December 3, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-423 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2002748 12/10/09

51A

First-time homebuyer credit extended to April 30, 2010 Some current homeowners now also qualify A new law that went into effect Nov. 6 extends the first-time homebuyer credit five months and expands the eligibility requirements for purchasers.

The Worker, Homeownership, and Business Assistance Act of 2009 extends the deadline for qualifying home purchases from Nov. 30, 2009 to April 30, 2010.

Additionally, if a buyer enters into a binding contract by April 30, 2010, the buyer has until June 30, 2010, to settle on the purchase.

The maximum credit amount remains at $8,000 for a first-time homebuyer â&#x20AC;&#x201C; that is, a buyer who has not owned a primary residence during the three years up to the date of purchase.

But the new law also provides a â&#x20AC;&#x153;long-time residentâ&#x20AC;? credit of up to $6,500 to others who do not qualify as â&#x20AC;&#x153;first-time homebuyers.â&#x20AC;? To qualify this way, a buyer must have owned and used the same home as a principal or primary residence for at least five consecutive years of the eight-year period ending on the date of purchase of a new home as a primary residence.

For all qualifying purchases in 2010, taxpayers have the option of claiming the credit on either their 2009 or 2010

tax returns.

A new version of Form 5405, First-Time Homebuyer Credit, will be available in the next few weeks.

A taxpayer who purchases a home after Nov. 6 must use this new version of the form to claim the credit.

Likewise, taxpayers claiming the credit on their 2009 returns, no matter when the house was purchased, must also use the new version of Form 5405. Taxpayers who claim the credit on their 2009 tax return will not be able to file electronically but instead will need to file a paper return.

A taxpayer who purchased a home on or before Nov. 6 and chooses to claim the credit on an original or amended 2008 return may continue to use the current version of Form 5405.

Income limits rise The new law raises the income limits for people who purchase homes after Nov. 6.

The full credit will be available to taxpayers with modified adjusted gross incomes (MAGI) up to $125,000, or $225,000 for joint filers.

Those with MAGI between $125,000 and $145,000, or $225,000 and $245,000 for joint filers, are eligible for a reduced credit.

Those with higher incomes do not qualify.

For homes purchased

prior to Nov. 7, 2009, existing MAGI limits remain in place. The full credit is available to taxpayers with MAGI up to $75,000, or $150,000 for joint filers. Those with MAGI between $75,000 and $95,000, or $150,000 and $170,000 for joint filers, are eligible for a reduced credit.

Those with higher incomes do not qualify.

New requirements Several new restrictions on purchases that occur after Nov. 6 go into effect with the new law: â&#x20AC;˘ Dependents are not eligible to claim the credit. â&#x20AC;˘ No credit is available if the purchase price of a home is more than $800,000. â&#x20AC;˘ A purchaser must be at least 18 years of age on the date of purchase.

For military members Members of the Armed Forces and certain federal employees serving outside the U.S. have an extra year to buy a principal residence in the U.S. and still qualify for the credit.

An eligible taxpayer must buy or enter into a binding contract to buy a home

by April 30, 2011, and settle on the purchase by June 30, 2011.

For more details on the credit, visit the First-Time Homebuyer Credit page on IRS.gov.

You say you didnâ&#x20AC;&#x2122;t notice until it was too late to do anything about it?

Probably, if you arenâ&#x20AC;&#x2122;t checking the Public Notice columns of this newspaper regularly.

Public Notices are required by state law to protect your rights and to help you function more effectively as a citizen.

Access to information about what government agencies are doing is what makes the American the most powerful citizen in the world.

The Public Notices give you access to information you need ... about new local laws that will affect you ... about plans for major land use changes ... about where roads will go ... whose land will be condemned ... how your tax dollars will be spent ... about court actions that could be important to you, or just plain interesting.

Whether you know them as Public Notices or as â&#x20AC;&#x153;the legalsâ&#x20AC;?, it pays you to check the Public Notice columns in this newspaper each issue. What you donâ&#x20AC;&#x2122;t know might cost you!

Thisweek Newspapers Dakota County Tribune BUSINESS WEEKLY

952-894-1111

52A

December 10, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Holiday ornament shop provides personal touch Independently owned Christmas Corner in Burnsville Center relies on specialty items, service to compete with big-box retailers

by Andrew Miller DAKOTA COUNTY TRIBUNE

Though Christmas Corner is open for business only two months of the year, the holiday ornament and gift shop in Burnsville Center is a year-round venture for owner Laurie Swiler.

“The day I close the store ( Jan. 8) I go to market to buy for next year,” said Swiler, who opened Christmas Corner 18 years ago in Gavidae Commons in downtown Minneapolis and moved the business to Burnsville four years ago.

Carrying a type of product carried by big-box retailers such as Walmart and Target, Swiler said she’s had to work to set Christmas Corner apart from the competition.

“Our specialty is finding something for everybody,” said Swiler, an Edina resident.

That means carrying ornaments targeted to specific demographics. Swiler’s

Photo by Andrew Miller

Photo by Andrew Miller

Laurie Swiler opened Christmas Corner, a holiday ornament and gift shop, 18 years ago in Gavidae Commons in downtown Minneapolis, and moved the store to Burnsville Center four years ago.

Because Christmas Corner is open for business only two months each year, the shop is located in a different store space each holiday season; this year it’s on Burnsville stock is teeming with “ba- Center’s upper level next to by’s first Christmas” orna- Dick’s Sporting Goods. ments, as well as ornaments geared to specific sports also offers free personaland hobbies.

Families with band stu- ization – when customers dents will find miniature purchase ornaments, they clarinets and flutes and can get their family names even electric guitars to hang or the gift recipients’ names on their Christmas trees. hand-painted onto them at There are ornaments geared no extra charge.

Setting itself apart from to dog lovers, martial arts enthusiasts, billiards play- big-box retailers also involves not carrying some ers, stock car racing fans.

“I have the most hockey products customers might ornaments in the state,” be expecting to find at a Christmas ornament shop.

Swiler said. won’t find The shop on Burnsville Customers Center’s upper level next wooden nutcrackers, or preto Dick’s Sporting Goods lit artificial trees.

Christmas Corner employee Mary Rousseau personalizes an ornament for a customer. The shop offers free personalization – when a customer purchases an ornament, they can get their family name or the gift recipient’s name hand-painted onto it at no extra charge.

“We try really hard not to carry stuff the bigger stores carry,” Swiler said.

Attention to product quality is another thing that distinguishes Christmas Corner, Swiler said.

“I personally inspect every ornament” when orders begin arriving in August, she said. “It takes months, but I’m the one that does it because I’m really fussy about quality.”

Christmas Corner relies on repeat customers year after year, and on word of mouth advertising, which makes customer service especially important.

If a customer has to wait a long time to have a purchase rung up, Swiler will sometimes throw in a free gift – a candle or the like.

“We have the ability to do that because we’re not a national chain,” she said.

Even the best of business intentions can’t stave off larger economic forces

at work, and the recent economic downturn has had a noticeable effect on business, Swiler said.

The business’s Black Friday numbers paint a stark picture: Sales were down about 40 percent from past years.

“Our business is way down – we’re definitely feeling it,” she said. “You just do the best you can.”

Despite the gloomy economy, Swiler is operating two Christmas Corner stores this holiday season.

In addition to the one in Burnsville Center, this year Swiler set up a second shop in Edina’s Southdale Center shopping mall. Between the two stores she has 12 employees.

Christmas Corner is on the Web at www.christmascorneronline.com.

Andrew Miller is at andrew.miller@ecm-inc.com.