10/06/2011 - Dakota County Tribune Business Weekly by Dakota County Tribune

Study says city benefits from liquor sales 5A CVS Pharmacy project on hold 6A New pub to open in Burnsville 24A

AARON VEHLING JOHN GESSNER JESSICA HARPER

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DATE ##, 2009 OCTOBER 6, 2011

VOLUME 30, NUMBER # VOLUME 32, NUMBER 32

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New network seeks to connect patients to doctors who accept cash Numbers of uninsured growing by Laura Adelmann THISWEEK NEWSPAPERS

Dr. Radha Krishna Kumar was shocked by what she learned when she opened her general practice office in Bloomington this spring. â&#x20AC;&#x153;I thought Iâ&#x20AC;&#x2122;d be seeing patients with insurance, but â&#x20AC;Ś 75 percent of the clients I am seeing are not having insurance. Iâ&#x20AC;&#x2122;m not used to that,â&#x20AC;? Kumar said. Nationally, 49.9 million people are without health insurance. In Minnesota, 8.7 percent of the population is uninsured, up from 7.2 percent since 2007, according to the Minnesota Department of Health. In a weak economy, incomes are stagnant or dropping while health care costs and insurance premiums are on the rise. For some medical professionals, the increasing regulations and mandates of managed care are frustrating enough that they are looking for other options. Dr. James Eelkema, owner of Timewise Medical in Burnsville, said when he worked in a â&#x20AC;&#x153;big box clinic,â&#x20AC;? insurance companies would sometimes deny patients prescriptions they had been prescribed, a situation that frustrated him. â&#x20AC;&#x153;If they need the drug, they need the drug,â&#x20AC;? Eelkema said. He said he was most angered when insurance mandates began requiring that all women, ages 16 to 24, be screened for sexually transmitted diseases. â&#x20AC;&#x153;If Iâ&#x20AC;&#x2122;m doing a college physical on an 18-year-old virgin, Iâ&#x20AC;&#x2122;m not

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going to screen her. Thatâ&#x20AC;&#x2122;s an insult,â&#x20AC;? Eelkema said. Eelkemaâ&#x20AC;&#x2122;s clinic does not file insurance claims, but allows his patients to deal with the insurance company on their own. He has set rates for all his patients that begin at $55 and are listed on his website, www.timewisemedical.com. Kumar also accepts patients with or without insurance, and has set nominal fees, regularly treating patients without insurance coverage. Both Kumar and Eelkema have joined Patient Doctor Direct, a new organization that provides patients access to lists of medical professionals who offer nominal fees to those

without insurance. â&#x20AC;&#x153;When you go on the internet, itâ&#x20AC;&#x2122;s very difficult to find doctors whoâ&#x20AC;&#x2122;ll take cash at reasonable rates,â&#x20AC;? said Patient Doctor Director co-founder Sherokee Ilse of Maple Grove. Patients who register for free (at www.patientdoctordirect.com) have access to the new organizationâ&#x20AC;&#x2122;s database of physicians, chiropractors, pharmacies and others providing reduced fees for care. Medical professionals pay $300 annually to be included on the list, which allows them the opportunity to build their practices. Patient Doctor Direct allows medical professionals to connect to each other, establishing a network they

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can use to help care for patients. For example, doctors can suggest patients fill their prescriptions at one of a growing list of pharmacies that offer reduced rates for the uninsured. â&#x20AC;&#x153;There are so many people who are unemployed, and between jobs, who donâ&#x20AC;&#x2122;t have insurance and canâ&#x20AC;&#x2122;t afford COBRA, so theyâ&#x20AC;&#x2122;re kind of stuck,â&#x20AC;? Ilse said. COBRA (established by the Consolidated Omnibus Budget Reconciliation Act) is the federal law that grants qualifying employees who lose their jobs the right to continue insurance coverage with their former employerâ&#x20AC;&#x2122;s group health plan. Under the plan, an employee can be charged the entire premium plus an extra 2 percent in administrative costs, so in many cases the coverage is out of the reach of the unemployed. Patient Doctor Direct has found options that they say are more affordable to the uninsured. For example, one Twin Cities clinic charges annual fees of $540 for single and $1,400 for family coverage for free care that includes visits, lab tests, and x-rays. Some doctors agree to barter for goods and services, and others charge patients without insurance $25 to about $50 for office visits, depending on the level of treatment sought. Why would doctors avoid insurance and take on patients who have low or no income? Like Eelkema, many desire more freedom in care decisions, and are able to afford the reduced rates because they no longer are

FORUM

The Capitol blame game has turned the property tax discussion into an even more confusing mess for taxpayers. PHIL 4A KRINKIE FORUM

Whatâ&#x20AC;&#x2122;s in a slogan? In a competitive environment, area cities use words to attract and retain businesses. DON 4A HEINZMAN NEWS

BRIAN LUTHER

Burnsville Performing Arts Center names Eagan resident as the local venueâ&#x20AC;&#x2122;s new executive director. 5A

NEWS

JOHN HUYN

Walker Methodistâ&#x20AC;&#x2122;s senior housing campus in West St. Paul is looking to expand its services and current building. 6A

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October 6, 2011 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

News Roundup Recent news from around Dakota County

Apple Valley

Eagan

Burnsville

Apple Valley fire stations host open houses from Oct. 11-13

Fire in Eagan demonstrates need for smoke alarms

Frontier to host local job information sessions

Do you know how to operate a fire extinguisher? Or when to replace your smoke detectors? How about where to safely install a carbon monoxide detector in your home? Apple Valley firefighters will be happy to talk with you and your family about these and other safety issues at the open houses they’re hosting Oct. 11-13. The city’s fire department holds the open houses at its three fire stations each year as part of national Fire Prevention Week, which commemorates the Great Chicago Fire of 1871. Remember that one? “Mrs. O’Leary’s cow kicks over the can and starts Chicago on fire,” explained Apple Valley Fire Chief Nealon Thompson. At the open houses residents can talk with firefighters, practice operating a fire extinguisher, and learn how to best escape a smoke-filled house, Thompson said. Apple Valley police officers and Allina Ambulance personnel will be on hand as well. There’s also plenty to do for kids. They can check out the fire trucks and try on firefighters’ gear, and there will be an inflatable jumper on site. Open houses at Apple Valley fire stations are scheduled for: • 6 to 9 p.m. Tuesday, Oct. 11, at Fire Station 1, 15000 Hayes Road; • 6 to 9 p.m. Wednesday, Oct. 12, at Fire Station 2, 13995 Galaxie Ave.; and • 6 to 9 p.m. Thursday, Oct. 13, at Fire Station 3, 14195 Essex Ave. More information is at www.cityofapplevalley.org. —Andrew Miller

An Eagan woman, her two children and the family dog escaped a house fire in the early morning hours Thursday, Sept. 22, at 1314 Wilderness Run, despite the home not having working smoke alarms. While the home received significant damage, Eagan Fire Department officials are finding a teaching moment from the blaze. The home did not have working smoke alarms since it was undergoing a renovation project that started in May and was expected to be completed in two weeks. While the home’s hard-wired system had to be shut down because of the renovation work, fire officials remind people that temporary battery-operated smoke detectors should be used in such instances. The woman told fire officials that she woke shortly after midnight after she heard a noise that sounded like a doorbell, according to a fire department press release. When she went upstairs she found the kitchen heavily involved with fire. It is suspected that the doorbell rang when the wire shorted during the fire. The woman and her children, who were staying in the basement due to the project, escaped through a basement patio door and went to a neighbor’s house to call 911. First arriving units reported heavy fire coming out of the windows of the home on all four sides. The cause of the fire was blamed on oil-soaked rags that spontaneously combusted after they were left behind in a cardboard box following a woodwork staining project, according to the Eagan Fire Department. People should use special waste cans for oil-soaked rags. These containers allow air to flow around the rags and dissipate heat. The waste cans should not have plastic liners and should be emptied daily. All five Eagan fire stations along with one truck from Apple Valley battled the blaze. The last fire truck cleared the scene at about 7 a.m. There were no injuries during the fire. —Tad Johnson

Frontier Communications will host job information sessions Oct. 11, 12 and 13 from 4-6 p.m. each day at Frontier’s offices at 14450 Burnhaven Drive, Burnsville. During the sessions, the company will conduct preliminary interviews for approximately 40 sales and service specialist positions. Jennifer Brown, senior manager of Frontier’s Conversation Center in Burnsville, noted that recruited employees will be part of a call center environment and the positions are for the second shift. The working hours would be from 1:30-10 p.m., Monday through Friday, and one day each weekend from 10 a.m.-7 p.m. Each employee receives one weekday off to make up for the weekend shift. “We’re conducting the information sessions within our Burnsville facility so applicants can see our call center, ask questions and learn more about Frontier,” Brown said. “We will hold initial interviews and provide some testing during the information sessions and we suggest applicants bring their resumes. “Sales and service representatives will take customer calls, enter trouble reports and sell Frontier products and services. We encourage individuals with previous sales experience, especially retail sales, to apply.” The residential consultants in the Burnsville Conversation Center are responsible for selling services such as phone, Internet, satellite television and Frontier Secure computer virus protection, data back-up and 24/7 technical support. They also help customers with requests for installation or changes to telephone, Internet and related services. For more information on the job information sessions, contact Nicki Isaacson at (952) 435-1558, Nicki.Isaacson@ FTR.com.

Burnsville ‘Llama Llama Red Pajama’ is an invitation to childhood literacy It will be all llamas and red pajamas in Burnsville on Thursday, Oct. 6. Throughout the community and the Burnsville-Eagan-Savage School District, tykes from preschool to first grade will be read the children’s book “Llama Llama Red Pajama.” It’s part of the national Read for the Record campaign sponsored by Jumpstart, a preschool literacy organization, with support from the Pearson Foundation. This year’s goal is more than 2 million readings of the chosen book. Burnsville and District 191 are aiming for 1,300. Other Minnesota participants are the Minneapolis, Minnetonka, Rochester and St. Paul school districts. Guest readers, including Minnesota Education Commissioner Brenda Cassellius, will join the festivities as author Anna Dewdney’s book is read to children in District 191 preschool, kindergarten and first-grade classrooms and in other settings, including day cares and the Burnhaven Library. Burnhaven Library in Burnsville will hold a pajama party at 6:30 p.m. The Barnes and Noble bookstore in Burnsville will hold a morning reading with Mayor Elizabeth Kautz and an afternoon reading. Burnsville Rotary Club members will do morning and afternoon readings at Burnsville Center. Guest readers will include state Sen. Dan Hall of Burnsville at Sky Oaks Elementary in Burnsville at 10:30 a.m., and Sen. Ted Daley of Eagan at Rahn Elementary in Eagan at 1 p.m. Cassellius will read in the lower level of Diamondhead Education Center at 10 and 10:30 a.m. The day’s final reader will be District 191 Superintendent Randy Clegg, who will read to open that evening’s School Board meeting. “Llama Llama Red Pajama” is available free online at www. wegivebooks.org. —John Gessner

Farmington School Board denies Burke’s request for reimbursement Farmington School Board Member Tim Burke will pay his own legal bills for a district-led investigation against him that was eventually dropped. Burke’s fellow School Board members voted 4-1 against reimbursing him $5,183 in attorney fees, citing concerns that doing so would set a precedent in future legal disputes with district employees. Only School Board Member Melissa Sauser voted for the reimbursement. Burke abstained. The 2010 School Board approved an investigation into allegations that Burke had violated data privacy laws as he had sought district information that is public, including employment contracts. The investigation cost the district nearly $25,000. The matter was dropped after the Dakota County Attorney’s Office and an attorney hired by the city refused to pursue charges against Burke. Sauser said Burke’s legal fees should be considered as added costs of the investigation, and to deny payment is also saying that the investigation was a misuse of taxpayer funds. Board Member Brian Treakle and Board Chair Tera Lee cited concerns that approving reimbursement would set a precedent for future legal situations with district employees. Both said they disagreed with the previous board’s decision to approve the investigation, but could not support a reimbursement. Lee added that she trusts the district’s lawyer who advised against approving Burke’s request. Burke abstained from the vote, and in a later interview said he was disappointed not only because he’s left with a financial burden, but because future board members may think twice about taking action when they believe in an issue. —Laura Adelmann

Rosemount Haunted Woods Trail scares up fun again in Central Park As the calendar flips over to October, many in Rosemount turn their attention to Halloween and one of the town’s biggest events of the year. The volunteer-run Haunted Woods Trail in the city’s Central Park typically attracts up to 3,000 people. This year’s event will start at 6 p.m. Saturday, Oct. 29, with people urged to line up at the starting point of the trail at the park-and-ride lot across South Robert Trail/Highway 3 from the Steeple Center and Robert Trail Library. For those unfamiliar with the event, children and their parents are invited to walk along the trail, which is decorated with props and File photo by Tad Johnson accompanied by music, and collect The Haunted Woods candy from people along the trail. Trail is held in Participants are encouraged to Rosemount’s Central bring non-perishable food items Park. to donate to local food shelves. Each year, several local businesses and community groups participate by dressing up in Halloween costumes and handing out candy to the children who walk the trail. Those interested in participating can download an application form at www.RosemountEvents.com and return it by Oct. 14. For more information, contact Mike Bouchard at (651) 423-4603, (612) 840-9016, or the Halloween committee at rosemounthalloween@charter.net or Rosemount Halloween Committee, P.O. Box 198, Rosemount, MN 550680198. —Tad Johnson

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY October 6, 2011

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

New Hires TIM BRENGMAN Hired as vice president of operations, Skyline Exhibits Eagan

ELAINE PRICKEL Hired as director of human resources, Skyline Exhibits Eagan

Skyline Exhibits, an Eaganbased company that designs and builds trade show displays, has hired Tim Brengman as vice president of operations and Elaine Prickel as director of human resources. Brengman has over 20 years of experience in manufacturing operations and supply chain management in the biopharmeceutical and consumer package goods industries. Prickel previously served as president of ENP Resources Inc. and as director of human resources at FMC Corporation. She holds a bachelor’s degree in chemical engineering and an MBA and has held professional positions in engineering, manufacturing, materials management, purchasing, and strategic planning.

Business Briefs JON WILBRECHT Elected to ProAct Inc. Board of Directors Eagan

ProAct Inc., Eagan, has elected Jon Wilbrecht, a Minneapolis-based manufacturing consultant, to its board of directors. ProAct provides employmentrelated services and life skills for people with disabilities and other challenges. As a principal of Wilbrecht Consulting, Wilbrecht counsels firms on strategic partnerships, production issues and planning. He recently sold a company he led for 25 years, Wilbrecht Electronics, Inc., of St. Paul, to two European companies. Wilbrecht is active in SCORE, the Service Corps of Retired Executives. NACR OFFERS REPAIR, BUY BACK PROGRAMS Eagan-based solutions integration expert NACR offers the NACR Repair and Refurbishment Program and the NACR Buy Back Program to help reduce the cost of investing in new communications equipment.

Business Briefs

LOCAL HEALTHCARE PROVIDER TO HELP AT IRONMAN TRIATHLON

MINNESOTA MOTORSPORTS BENEFIT EVENT SET OCT. 6

INVER HILLS HOSTS FALL OPEN HOUSE ON OCT. 13

Dr. Maria O’Connell, owner of Eagle Trace Health and Rehab, Burnsville, will be joining the Ironman triathletes for the Ford Ironman Worldwide Championship in Hawaii on Oct. 8. O’Connell is an Active Release Technique (ART) Certified Provider in the Ironman Provider Network. O’Connell first served as a practitioner for the Madison Ironman in 2010. She will put in a 16-hour day to support this year’s Ironman contestants.

Elko Speedway is partnering with 3M, Best Buy, General Mills, Great Clips and 2Xtreme Racing LLC to bring in 10 NASCAR drivers, icons and legends plus Bounty Hunter Monster Truck to raise money for the Minnesota Military Families Foundation. Scheduled to appear are AJ Allmendinger (Best Buy), Trevor Bayne, Greg Biffle (3M), Clint Bowyer (General Mills), Erik Darnell, Jason Leffler (Great Clips), Richard Petty, Jack Roush, Ricky Stenhouse Jr., Bounty Hunter and Miss Sprint Cup. Tickets are $10 for adults, $5 for children 5-12 and include admission, general autograph and Q & A session, activities on the concourse, the exhibition race, and the monster truck show. The first 500 people receive a gift bag. VIP tickets are $35 and include guaranteed autographs from 10 NASCAR drivers/icons, Q & A session, gift bag, monster truck show and the exhibition race. Anyone who displays their military identification will be admitted into VIP for only $15 (up to 400 people). Information: www.elkospeedway.com or (952) 461-2773.

Inver Hills Community College, Inver Grove Heights, will host its fall open house from 4 to 7 p.m. Thursday, Oct. 13. Attendees will learn about the range of opportunities available at the college. Attendees also can tour the campus, win door prizes and enjoy refreshments. Those who apply during the event will have the application fee waived. Information sessions geared specifically toward transfer options will be held at 5 and 6 p.m., and information sessions geared toward adult learning options will be held at 5:30 and 6:30 p.m. All sessions will be held in room 290 of the College Center building on campus. No reservations are required. Attendees should check in at the Information Center on the second floor of the College Center building. For directions to campus, visit www.inverhills.edu/location. For more information on this event, visit www.inverhills.edu/openhouse.

LOCAL PORK PRODUCER TO TALK ABOUT THE ‘NEW LOOK’ OF PORK Minnesota pork production takes center stage on Wednesday, Oct. 12, at the Minnesota School Nutrition Association - River Valley meeting. Karen Richter of DKR Swine Farms near Montgomery, Minn., will address the group at 4:15 p.m. at the Dakota Hills Middle School, 4183 Braddock Trail, Eagan. Titled “America’s Pork,” the speech by Richter will highlight how much leaner pork is today than it was 20 years ago and how increasing demand for pork has helped U.S. producers become leaders in the global food marketplace. There are 68,000 U.S. pork producers. Richter said Minnesota pork production generates $7.8 billion of economic activity, and provides Minnesota residents with over 22,500 direct and support jobs. BURNSVILLE STHEM BREAKFAST SLATED OCT. 26 The Burnsville Chamber of Commerce and the city of Burnsville will host a breakfast from 7:30 to 9 a.m. Wednesday, Oct. 26, to honor the Burnsville companies that have a Science, Technology, Healthcare, Engineering, and Math (STHEM) base. Mike Langley, president of the newly formed Greater MSP, a 13-county economic development partnership, will be the featured speaker. A sampling of STHEM-based companies will be displaying their products/services to showcase the diversity of companies in Burnsville. A complimentary continental breakfast will be available. For food count, RSVP to Anne at anne@burnsvillechamber.com.

Accolades

HALLOWEEN FUN IN LAKEVILLE The Downtown Lakeville Business Association will sponsor its monthly Third Thursdays on Main series on Oct. 20 from 6 to 8 p.m. in Market Plaza, Holyoke Avenue and 208th Street. In case of inclement weather, it will be held in the former 360 Communities space in the Lakeville Mall. The event will feature a kiddie costume contest and parade for infants and children up to age 10, pumpkin decorating for the children (pumpkins supplied), pumpkin carving contest, trick or treating at local retailers and Hermey the Clown. In addition, Mainstreet After Hours will host a free wine tasting event.

JAMES BARTON DESIGN-BUILD RECOGNIZED James Barton Design-Build Inc., Apple Valley, was recently recognized in the Qualified Remodeler Top 500 and Remodeling Magazine Top 550. In addition, the company was named runnerup for the Remodeler of the Year at the 2011 Remodeler of Merit (ROMA) Awards sponsored by the Builders Association of the Twin Cities (BATC) Remodelers. In 2011, JBDB ranked No. 287 among the Qualified Remodeler’s Top 500 and No. 99 in Remodeling Magazine’s Top 550.

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

Submissions to Buzz: www.DakotaCountyTribune.biz

October 6, 2011 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

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

The blame game clouds property tax picture by Phil Krinkie SPECIAL TO THE TRIBUNE

We all know this game and most of us have played it from time to time. If we mess up or do something we shouldn’t we quickly pin the cause of our actions on someone else. This is a response most of us learned early in life; if something goes wrong, find someone or something to blame. The most common excuses are well known and repeated often: The dog did it, you didn’t remind me, it wasn’t my fault. Sometimes we might even blurt out one of these lines before we are accused, for fear that we might be guilty of some yet to be identified infraction. In the world of politics the “blame game” has been developed into an art form, one side always accusing the other side of some act that has caused hardship for thousands, maybe even hundreds of thousands. The most recent political episode of the “blame game” that has played out at the capitol is over property taxes. Every fall as the leaves in Minnesota turn bright colors and so do the faces of many local elected officials as they struggle to explain their vote for higher property tax levies. This annual fall performance of the “blame game” has been played out in our state for decades. The reason for this contest is quiet simple; state legislators want to claim

Guest Columnist Phil Krinkie

credit for holding down property tax rates. Therefore they transfer billions of state dollars to city and county governments to hold down property tax rates. In turn local governments lobby for more money from the state to enable them to keep property tax rates down while continuing to grow local government spending. If cities and counties don’t receive more aid or if there is a reduction in property tax subsidies funded from the state; they quickly blame state legislators for property tax increases. This fall the property tax “blame game” has heated up more than usual because of a change made this year in property tax relief legislation. Under this change the current Market Value Homestead Credit program was replaced with a new Homestead Market Value Exclusion program. The HMVE provides for a portion of each home’s market value to be excluded from its value for property tax calculations. The amount of value excluded is directly proportional to the amount of credit the home received under the old MVHC. The new system allows for the elimination of MVHC without a significant

increase in homeowner property taxes by having all types of property share the burden of providing the tax relief to homeowners. Effectively, the cost of the formerly state paid credit is now shifted relatively evenly among all property taxes (including homesteads). No matter what you call it or how you redistribute state tax dollars to local governments; property tax relief programs reduce tax transparency and accountability for local government spending. At this point you should realize that neither side wins in the “blame game” and the taxpayer always loses. If you are concerned about how much you pay in property taxes; get a copy of your city and county budget to examine how your tax dollars are being spent. Your local elected officials decide how and where to spend your tax dollars no matter how much or how little is doled out by the state. State property tax relief is just like pain medication; once the relief wears off the pain continues. Any state property tax aids to local governments is not tax relief; it’s just a tax shift. The state uses your income and sales tax dollars to buy down your property taxes. It’s not relief; it’s just a shift of the tax burden with the state picking winners and losers. Instead of playing the “blame game,” legislators should focus on eliminating all property tax relief programs for

Branding helps cities attract, retain businesses by Don Heinzman DAKOTA COUNTY TRIBUNE

Communities are trying to promote their unique qualities through what’s become known as “branding.” The branding is meant to attract attention of businesses looking for a place to locate, thus increasing the tax base of the community. Suburbs often are characterized as “’burbs” with little identity and lumped in as bedroom communities. Hoping for more identity, some cities like Burnsville and Maple Grove, have built downtowns. Community celebrations, such as Braham’s Homemade Pie Day, Isanti’s Rodeo Days and the Anoka’s Halloween observance help establish identity. There are many other well known brands including Caledonia as the “Wild Turkey Capital,” Anoka as the “Halloween Capital,” St. Paul as the “Capitol City,” Minneapolis as “The City of Lakes,” Little Falls as the city “Where the Mississippi Pauses, Discovery Begins.” Lakeville prides itself as the “Southern Gateway to the Twins Cities,” Apple Valley as “Plant, Grow, Prosper,” Cambridge as “Minnesota’s Opportunity Community,” and Isanti as “A Community for Generations.” Forest Lake, thanks to its American Legion Post, has billed itself as the

Tribune Columnist Don Heinzman

“Fourth of July Capital of Minnesota” for nearly 90 years. Elk River, which is known as “Energy City,” has an Economic Development Authority that hired a consultant to develop a branding program. Through research, the company, Chandler Thinks, found only 13 percent outside the city knew much about Elk River, except as a city to drive through. On the other hand, they found satisfied residents who liked the outdoors where two rivers, the Mississippi and the Elk, come together, the parks, the downtown and the location near the Twin Cities. They came up with the theme: “Elk River – Powered by Nature,” but quickly acknowledged the “Energy City” component and said the theme also could fit “Elk River – Energized by Nature.” To its credit, the company had many good suggestions on how the theme could be incorporated, particularly involving the entire community and its businesses in spreading the Elk River gospel. They stressed the need to improve the

city’s website, noting that 85 percent of businesses looking to locate or relocate look at the Internet sites. Forest Lake, backed by a similar study with its EDA, is in the midst of a like process that will produce a new “brand” for the Washington County community. Some question the need for branding particularly in a natural region like northern Dakota County where people live in one close-by city, work in another and worship in another. They say that it’s better to forget competing for industries with neighboring cities and be satisfied to locate in the region a business that will provide employment no matter where people live. Steve Chandler told the Elk River EDA that a community’s reputation is “defined by its government, its businesses, its organizations and its residents – or, it will be defined by others.” Having a systematic approach to spreading the right message to targeted audiences is one way to attract and keep businesses and build community. 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.

Submissions to Forum: www.DakotaCountyTribune.biz

four reasons. 1) Property tax relief programs only confuse property owners and cloud what cities and counties really spend. 2) If residents want or demand more local services they should pay the full cost of the services and not expect state taxpayers to bear a portion of the bill. 3) Local services such as fire, police, snow removal and street repair should not be based on the value of a home, but on the value of the service. 4) Ending the shell game of property tax relief programs will prevent legislators from trying to curry favor from taxpayers. The state constitution reads “taxes shall be uniform upon the same class subjects” therefore legislators should endeavor to provide a simple and uniform system of property taxes; not a convoluted rubric of aids that serve only to confuse and confound the average property owner. It’s time to retire the “blame game” and provide property owners with tax transparency. Phil Krinkie is a former Republican state representative from Lino Lakes and the president of the Taxpayers League of Minnesota. The eight-term lawmaker chaired the House Tax Committee and two other House panels. Krinkie’s e-mail is at: philk@ taxpayersleague.org.

Dakota County Tribune BUSINESS WEEKLY

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DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY October 6, 2011

Postal political pressure

Study results suggest Lakeville keep its municipal liquor City Council opts to submit study to new finance committee for review, further comment by Aaron Vehling DAKOTA COUNTY TRIBUNE

Photo by Rick Orndorf

Members of four employee unions of the U.S. Postal Service used the sidewalks along Nicollet Avenue and Burnsville Parkway to deliver a message to 2nd District U.S. Rep. John Kline on Sept. 27. By rallying near Kline’s district office, the workers were trying to pressure the Lakeville Republican to sign onto a bill that they say addresses the financial crisis facing the Postal Service. The unions say the Postal Service is required to pre-fund 75 years’ worth of future retiree health benefits over the space of 10 years. No other federal agency is forced to pre-fund such benefits, especially on such an aggressive schedule, the unions claim.

New executive director named at Burnsville arts center Brian Luther is an Eagan resident, will start in position Oct. 6 by Andrew Miller

his predecessor. Opened in January 2009, The Burnsville Per- the $20 million center, forming Arts Center’s new whose construction many executive director has a residents opposed, was still background mana lightning rod for aging big venues controversy when known for booking Elbaum arrived big-name performin March 2010 to ers. replace the first Brian Luther, executive director, who was named to Wolf Larson. the arts center’s top With pre-conpost on Monday, re- Brian Luther struction projeccently served as gentions of annual eral manager at the losses of up to 10,000-seat MetroCentre $350,000, Burnsville’s PAC in Rockford, Ill. He’s also disappointed in its first worked as an event manag- year, requiring an operater with Minnesota Sports ing subsidy of $525,654, and Entertainment, which according to the city. operates the Xcel Energy The operating subsidy Center and Roy Wilkins was cut to $367,630 last Auditorium. year, compared with a budLuther will replace Jon geted amount of $430,573, Elbaum, who resigned in according to city figures. August to become execu- And revenue of $745,340 tive director of the Troy exceeded budgeted revenue Savings Bank Music Hall by $128,4440. in Troy, N.Y. “We’re headed in the VenuWorks, the PAC’s right direction financially,” management company, Burnsville Deputy City put Regional Vice Presi- Manager Tom Hansen dent Tammy Koolbeck in said in an August intercharge during the nation- view. “And the five-year wide search for Elbaum’s outlook for the Performing permanent replacement. Arts Center is now in line Luther will assume the with the original forecast top position at the city-run made back in 2006, well arts center under less pre- before the major economcarious circumstances than ic distress we’ve all gone DAKOTA COUNTY TRIBUNE

through.” And while bookings and attendance at the PAC have improved, the previously rental-only venue has launched an “angel fund” with money to book shows on its own rather than waiting for business to come. Thanks to the fund, established in part with a $50,000 city loan to the PAC, the arts center recently announced its first performance series, which kicked off Oct. 1 with Duluth Festival Opera’s “Pocahontas.” Luther’s background will mesh well with the unique environment at the Burnsville venue, according to Koolbeck. “Brian has a strong track record of securing and promoting a variety of event programming,” she said in a press release. “He understands the strategies, relationships and financial analysis necessary to manage this great facility.” Luther, who resides in Eagan with his wife, Michelle, and their two children, will begin his duties at the arts center on Oct. 6. Andrew Miller is at andrew.miller@ecm-inc.com.

It’s a question that has been going around Lakeville all year: Should the city stay in the liquor store business? According to a report from consultant Shenehon Company, the city would need $112 million worth of new construction to provide the about $1.175 million the city consistently receives in annual profit from its three municipal liquor stores. Taxes would go up slightly, too. The typical property tax on a $233,000 home would increase about $46 a year and for businesses it would increase about $236, the study showed. Precipitated by a community’s perceived loss of Costco to the muni-less Burnsville, a yearning for more jobs and faced with the possibility of spending multiple millions of dollars to expand its liquor operations, the City Council commissioned the Shenehon study to answer the burning questions. Shenehon’s study appeared to debunk the idea that retailers are avoiding Lakeville because of its municipal liquor operations. “The most important driver of retail locations is demographics,” said Scot Torkelson, vice president of Shenehon, at a council work session Monday, Sept. 26. Torkelson and his colleagues looked at 15 of the nation’s top retailers, most of which have locations in the area, including corporations such as Target, Wal-Mart and Costco. They found that in addition to demographics, the retailers took other factors into account such as per capita build-out space and location. Speaking about that Costco perception, Torkelson said he found that Eden Prairie has a Costco despite that city’s liquor operations. It is run on a hybrid

model, an arrangement City Administrator Steve Mielke said Costco declined during discussions last year with his staff. “The demographics were strong in Eden Prairie, so they put in a store in a municipal liquor city anyway,” Torkelson said.

Going private

gested that the newly formed Finance Advisory Committee take a look at the study, citing a lack of unity in the community over the matter. He said he sees that body’s advice as adding its own credibility to the study. “I’m not comfortable moving forward unless there’s unity in the community,” Bellows said. The council eventually agreed to allow the Finance Committee to review the study and offer comments. Council Member Matt Little, who was the only one to vote against commissioning the study, sees affirmation in the study. “It proves what I’ve been saying all along,” he said. “If we get out of the liquor business, taxes go up 5 percent.” The City Council commissioned the study in March to determine if the city’s plans for further expansion of the liquor operations is financially viable. Bellows said it was an act of due diligence to study the market before embarking on a multimillion dollar expansion. Mielke said the council will hold a public presentation of the report at its Oct. 17 meeting. Following that the council will take action to approve the $25,000 phase one of the study. There are two possible phases remaining if the council accepts the study. If the council decides to maintain its municipal liquor department, a second phase will address next steps, such as the viability or expanding or just keeping the size of the operations as they are. If no, then the firm will assist in the dissolution of the operations.

If the city were to sell the Galaxie Avenue and Kenrick Avenue real estate and the liquor operations, the city could earn $6.4 million in net proceeds, Torkelson said. State law limits how the city could invest that money, so the annual return would not go above 1 percent. “The stores are currently making an 18 percent annual return,” he said. In addition, going private means the city would actually have more, albeit smaller, liquor stores than it has now. Torkelson looked at several cities with private liquor stores, including neighboring Burnsville and Eagan. Using data from those cities, Torkelson determined that Lakeville could have as many as nine stores throughout the city. Each store would serve an average of 5,000 to 6,000 customers per store. In contrast, the three current municipal stores are about 30,000 square feet on average and serve about 18,000 customers – about 3,000 more than a typical municipal liquor store. It’s not over yet Response to the study was tentative amongst city officials and council members. A couple residents in the audience questioned the firm’s numbers and credibility. Shenehon Company President Robert Strachota, who was at the meet- Aaron Vehling is at aaron.veing, assured audience members hling@ecm-inc.com and www. that his appraisal firm was an facebook.com/thisweeklive. accredited organization. Mayor Mark Bellows sug-

Amid real estate trough, housing projects pop up by John Gessner DAKOTA COUNTY TRIBUNE

Something may soon sprout that Burnsville hasn’t seen much of lately — new housing. In a depressed real estate market, one landowner is looking to finish off a vacant parcel of residential property, and another recently floated plans before the City Council. In both cases, the land has sat vacant and changed hands during the economic downturn. Minnwest Bank Central now owns 6.2 acres north and east of 122nd Street East and Parkwood Drive. The bank wants to build 17 townhomes in five buildings along 122nd Street. During the boom days of 2005, construction giant Toll Brothers Inc. gained City Council approval for 68 condominium units. Toll Brothers then sold the

property to McDevitt Homes, which built a single five-unit building in 2006. That building is now occupied, but the rest of the property is empty, which has prompted some complaints from neighbors about maintenance, erosion and illegal dumping. “Well, I guess unattractive is about the best way you can describe it,” City Planner Chris Slania told the Planning Commission Sept. 26. The commission voted unanimously to recommend approval of Minnwest Bank’s plan, which went before the council for approval on Tuesday, Oct. 4. The bank is switching gears from condos to townhomes. The units will have “something of a rowhouse or old-fashioned townhome” appearance, Slania said. Garages will be in back, with access from a private

driveway. Some tree replanting would be required after extensive grading in 2005 and 2006, Slania said. There’s also a vacant lot on 134th Street, west of SuperAmerica, where TIER2 Funding Group of Wayzata has floated plans for 14 single-family homes. Two separate plans, one for townhomes and office space and one just for townhomes, have come and gone since 2003. The council frowned on the latter plan because of density concerns, and the application was withdrawn. Council members gave a warmer reception to the newest plan at a work session in July, but there’s been no formal proposal. John Gessner is at burnsville. thisweek@ecm-inc.com.

October 6, 2011 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Senior housing to grow in Dakota County Fate of CVS plan rests with Burnsville council

Walker Methodist breaks ground on major expansion in West St. Paul Walker Methodist broke ground on a major expansion of its Westwood Ridge campus in West St. Paul on Monday, Oct. 3. The expansion will include a new transitional care and rehabilitation center designed to serve area residents who are moving from a hospital stay and returning home. The expansion also includes memory care and private care suites. The Westwood Ridge campus will offer a full spectrum of care for older adults to serve both campus residents and the entire community. The expansion is scheduled to be completed in summer 2012. â&#x20AC;&#x153;With this expansion, we can better serve the West St. Paul community by offering a full spectrum of care at Westwood Ridge,â&#x20AC;? said Lynn Starkovich, president and CEO. â&#x20AC;&#x153;The transitional care center will allow community residents to recover from injury or illness in a short term environment close to home.â&#x20AC;? Located atop a scenic hill in West St. Paul, Walker at Westwood Ridge is surrounded by woods and nature, and close to the conveniences of Robert Street.

by John Gessner DAKOTA COUNTY TRIBUNE

Photo submitted

Walker Methodist Chaplain Ann Bergstrom, COO John Huyn, Immediate Past Chair Norma Larson, Ward II Councilperson Ed Iago and Board Chair Gaylen Harms attended the groundbreaking ceremony Oct. 3 for Walker Methodistâ&#x20AC;&#x2122;s expansion in West. St. Paul. The site offers dining, housekeeping, transportation, personal assistance, and health service tailored to meet individual needs. The Transitional Care and Rehabilitation Center will provide transitional care and

on site rehabilitation for up to 36 patients at a time. It will offer outpatient rehabilitation for those in the community and those needing care after they have returned home. The expansion also includes 24 memory care apart-

ments and an additional 10 care suites where residents can receive 24-hour care. Walker Methodist is a nonprofit organization that has served seniors since 1945. Learn more at: www.walkermethodist.org.

the City Council, which was scheduled to act on the proposal Tuesday, Oct. 4 after this edition went to press. For an update about this story, go online at www.ThisweekLive.com. Lennander said the access is needed for customer convenience. He said there are reports that the two exiting accesses to the property â&#x20AC;&#x201C; at the Nicollet Avenue/126th Street intersection and a private driveway on Burnsville Parkway at the east end of the site â&#x20AC;&#x201C; are congestion-prone. City staffers say the proposed access, a right-in-only on the Parkway 300 feet from the intersection with Nicollet Avenue, poses risks of rear-end collisions. The driveway would have a steep grade down into the site, causing â&#x20AC;&#x153;extensive decelerationâ&#x20AC;? in the right lane of Burnsville Parkway for vehicles navigating the entrance. The project has been a long time coming. The development group, called Burnsville Crossing LLC for this project, first struck a development contract, which included taxincrement financing incentives, with the city in 2007. Plans originally called for a pharmacy, a medical office building and a two-story parking deck. Since then there have been amendments to the contract, and Wellington has told the city that the slow economy hindered progress on the site.

Long-awaited plans for a CVS Pharmacy and other redevelopment on the old TCF Bank site in Burnsvilleâ&#x20AC;&#x2122;s Heart of the City are closer than ever. But the developerâ&#x20AC;&#x2122;s continued insistence on a second driveway entrance from Burnsville Parkway casts uncertainty on the project. The Planning Commission voted unanimously Sept. 26 to recommend approval of the project, which would replace the bank building at Burnsville Parkway and Nicollet Avenue, a local landmark since 1974. The CVS store, with a plaza in front, would be built on the southwest corner of the property, close to the sidewalk as called for in the Heart of the Cityâ&#x20AC;&#x2122;s urban-design standards. Plans also include an outlot for future development â&#x20AC;&#x201C; possibly a 5,000-square-foot retail and office building. Property owner Wellington Management Group would keep the outlot and sell 1.6 acres of the 2.45-acre site to CVS. The Planning Commission recommendation included a condition prohibiting a second access from Burnsville Parkway, which engineering and planning staffers say presents a safety risk. The access is â&#x20AC;&#x153;very important to our client, and it is something we want to continue asking for,â&#x20AC;? said project manager Jon Lennander of Velmeir Cos., which builds John Gessner is at burnsville. thisweek@ecm-inc.com. CVS stores. The decision rests with

Minneapolis to host free Financial Planning Day Above, the expansion at Westwood Ridge will include the Transitional Care and Rehabilitation Center, 24 memory care apartments and 10 care suites. Image submitted

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Twin Cities-area residents will be able to get free financial advice and guidance from professional financial planners at Twin Cities Financial Planning Day, to be held 10 a.m. to 2 p.m. Saturday, Oct. 8, at the Minneapolis Central Library, 300 Nicollet Mall. Twin Cities Financial Planning Day will feature experts from the Financial Planning Association and Certified Financial Planner professionals, all volunteering their time and expertise to work with local residents one-on-one to address im-

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portant financial issues. The event will also feature a series of workshops addressing key personal finance topics. Financial planners will answer questions on budgeting, getting out of debt, income taxes, dealing with mortgage foreclosures, paying for college, estate planning, and insurance, among many other topics. The advice will be offered with â&#x20AC;&#x153;no strings attachedâ&#x20AC;? and planners will not give out business cards or sell financial products or services. The event is organized by the Financial Planning Association of Minnesota as part of a national Financial Planning Days initiative created by Certified Financial Planner Board of Standards, Financial Planning Association, Foundation for Financial Planning, and the U.S. Conference of Mayors in cooperation with the city of Minneapolis, Greater Twin Cities United Way, and Lutheran Social Services. Twin Cities Financial Planning Day is a free public service and is open to the public. To learn more call toll-free 1-877-861-7826 or visit: www. financialplanningdays.org/ TwinCities. Â

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY October 6, 2011

Calendar Date-specific Dakota County Regional Chamber of Commerce events: â&#x20AC;˘ Thursday, Oct. 6, 7:30 to 8:30 a.m., South Metro Young Professionals meeting, DCR Chamber office, 1121 Town Centre Drive, Suite 102, Eagan. You do not need to be a member of the DCR Chamber to participate in this group. Fee: $35 per year for chamber members, $50 per year for non-chamber members. Information: Tom Hilla at (952) 892-9031, thilla@msbcollege. edu. â&#x20AC;˘ Thursday, Oct. 6, 7:30 to 8:30 a.m., The Buzz, The Workforce Center of Dakota County, 1 Mendota Road, West St. Paul. Interim Superintendent Tom Nelson will review the pending referendum for ISD 197. Information: Jessy Annoni at jannoni@ dcrchamber.com. â&#x20AC;˘ Thursday, Oct. 6, 10:45 a.m., ribbon cutting at New Horizons Twin Cities, 2915 Commers Drive, Suite 500, Eagan. Information: Jessy Annoni at jannoni@dcrchamber.com. â&#x20AC;˘ Friday, Oct. 7, 11 a.m., ribbon cutting and 65th anniversary, Brown College, 1440 Northland Drive, Mendota Heights. Food will be provided by Le Cordon Bleu students. Information: Jessy Annoni, (651) 288-9202, jannoni@dcrchamber.com. â&#x20AC;˘ Friday, Oct. 7, noon, ribbon cutting, Le Cordon Bleu, 1345 Mendota Heights Road, Mendota Heights. Ribbon cutting for Le Cordon Bleuâ&#x20AC;&#x2122;s new restaurant, Technique. Food will be provided by Le Cordon Bleu students. Information: Jessy Annoni, (651) 288-9202, jannoni@dcrchamber. com. â&#x20AC;˘ Tuesday, Oct. 11, 8 to 9 a.m., Rosemount Connection hosted by the city of Rosemount and the Beyond The Yellow Ribbon committee, at the National Guard Armory, 13865 S. Robert Trail, Rosemount. Information: Jessy Annoni at jannoni@ dcrchamber.com. â&#x20AC;˘ Wednesday, Oct. 12, 7:30 to 8:30 a.m., Rosemount Area Business Council, Paul Eggen - State Farm Insurance, 14450 S. Robert Trail, Suite 204, Rosemount. Information: Ruthe Batulis at rbatulis@dcrchamber.com. â&#x20AC;˘ Wednesday, Oct. 12, noon to 1:15 p.m., ChamberNet at ProAct, Inc., 3195 Neil Armstrong Blvd., Eagan. Information: Robb Sweetnam (Provincial Bank) at (952) 469-9229. â&#x20AC;˘ Thursday, Oct. 13, 8 to 9 a.m., Coffee Break, Genisys Credit Union, 1519 Central Parkway, Suite 110, Eagan. Information: Jessy Annoni at jannoni@ dcrchamber.com. â&#x20AC;˘ Thursday, Oct. 13, 1 p.m., ribbon cutting, Mainstream Boutique, 750 Main St., Suite 113, Mendota Heights. Information: Jessy Annoni at (651) 288-9202 or jannoni@dcrchamber.com. â&#x20AC;˘ Friday, Oct. 14, 7:30 to 8:30 a.m., Government Affairs Committee, DCR Chamber office, 1121 Town Centre Drive, Suite 102, Eagan. Tom Hesse, vice president of government affairs, MN Chamber, will discuss the stateâ&#x20AC;&#x2122;s budget and projected shortfalls in 2014-15. Government redesign and tax reform focused on former Gov. Pawlentyâ&#x20AC;&#x2122;s 21st Century Tax Reform Commission report will also be discussed. Information: Ruthe

Batulis at rbatulis@dcrchamber. com. â&#x20AC;˘ Tuesday, Oct. 18, noon to 1:30 p.m., new member orientation, DCR Chamber office, 1121 Town Centre Drive, Suite 102, Eagan. RSVP required. Information: Jessy Annoni at jannoni@ dcrchamber.com. â&#x20AC;˘ Wednesday, Oct. 19, 8 a.m. to noon, Executive Roundtable Group meeting, DCR Chamber office, 1121 Town Centre Drive, Suite 102, Eagan. Information: Greg Buck, (612) 708-4221, gbuck@bfsllc.info. â&#x20AC;˘ Thursday, Oct. 20, 7:30 to 8:30 a.m., Eagan Area Business Council, DCR Chamber office, 1121 Town Centre Drive, Suite 201, Eagan. Information: Ruthe Batulis at rbatulis@dcrchamber. com. â&#x20AC;˘ Wednesday, Oct. 26, noon to 1:15 p.m., ChamberNet, ProAct, 3195 Neil Armstrong Blvd., Eagan. Information: Robb Sweetnam at (952) 469-9229. â&#x20AC;˘ Thursday, Oct. 27, 7:30 to 9 a.m., Breakfast of Champions, JBL World HQ Conference Room, 3795 Pilot Knob Road, Eagan. Eagan resident Ross Bernstein, best-selling author of nearly 50 sports books, will be the speaker. RSVP required. Information: Jessy Annoni, (651) 288-9202 or jannoni@dcrchamber.com. â&#x20AC;˘ Thursday, Oct. 27, 5 to 7 p.m., Business After Hours, Roundbank, 3380 Vermillion River Trail, Farmington. RSVP by Oct. 24 to devynr@roundbank. com or call (651) 463-8300. Apple Valley Chamber of Commerce events: â&#x20AC;˘ Wednesday, Oct. 12, 11:30 a.m. to 1 p.m., Chamber Luncheon. Cost: $15 members/$20 nonmembers. Information: Catherine Bauman at catherine@applevalleychamber.com. â&#x20AC;˘ Thursday, Oct. 27, 5 to 7 p.m., Business After Hours, Anchor Bank, 14665 Galaxie Ave., Apple Valley. Burnsville Chamber of Commerce events: â&#x20AC;˘ Thursday, Oct. 6, noon to 4:30 p.m., Chambershack, Crystal Lake Golf Course, 16725 Innsbrook Drive, Lakeville. Registration: 11 a.m. Individual: $80. Foursome: $300. Information: Anne at (952) 898-5642. â&#x20AC;˘ Thursday, Oct. 6, Business After Hours and Expo, immediately following Chambershack, Crystal Lake Golf Course, 16725 Innsbrook Drive, Lakeville. Full table: $100 member/$125 nonmember. Half table: $50 member/$75 nonmember. Information: (952) 435-6000. â&#x20AC;˘ Wednesday, Oct. 12, 8 to 9 a.m., A.M. Coffee Break at American Bank, 14300 Nicollet Court, Burnsville. Information: Anne at anne@burnsvillechamber.com. â&#x20AC;˘ Wednesday, Oct. 26, 7:30 to 9 a.m., Burnsville STHEM Breakfast at Burnsville Performing Arts Center, 12600 Nicollet Ave., Burnsville. The breakfast will honor the Burnsville companies that have a Science, Technology, Healthcare, Engineering, & Math (STHEM) base. Speaker will be Mike Langley, president of Greater MSP, a 13-county economic development partnership. Free. RSVP to the chamber at (952) 435-6000. Information: Anne Haberman at anne@ burnsvillechamber.com. Lakeville Area Chamber of Commerce events: â&#x20AC;˘ Thursday, Oct. 6, 9 a.m., Landscape and Home & Consumer Showcase Expo meting, 9 a.m., chamber conference room.

â&#x20AC;˘ Thursday, Oct. 6, 4:30 to 7:30 p.m., Networking After Hours/Oktoberfest, Anchor Bank, 9202 202nd St. W. RSVP to Brady Folkesad at brady_folkestad@anchorlink.com or call (952) 985-2210. â&#x20AC;˘ Friday, Oct. 7, 8:30 a.m., Teacher Appreciation Breakfast, John F. Kennedy Elementary School, 21240 Holyoke Ave. W. â&#x20AC;˘ Tuesday, Oct. 11, 7 a.m., Breakfast with the City, Perkins Family Restaurant, 171387 Kenyon Ave. â&#x20AC;˘ Tuesday, Oct. 11, noon, Ambassador meeting, chamber conference room. â&#x20AC;˘ Wednesday, Oct. 12, 11:30 a.m. to 1 p.m., Lakeville City Budget presentation, chamber conference room. â&#x20AC;˘ Thursday, Oct. 13, 4:30 to 6:30 p.m., Networking After Hours, Legends Club, 8670 Credit River Blvd., Prior Lake. â&#x20AC;˘ Friday, Oct. 14, 7:30 to 8:30 a.m., Business Education Committee, Lakeville North High School, 19600 Ipava Ave. â&#x20AC;˘ Tuesday, Oct. 18, 7:15 a.m., Executive Board meeting, chamber conference room. â&#x20AC;˘ Tuesday, Oct. 18, 8 a.m., board meeting, chamber conference room. â&#x20AC;˘ Tuesday, Oct. 18, 4 to 6 p.m., Networking After Hours/ Taste of LaGrande, Grandstay Hotel & Conference, 7083 153rd St. W., Apple Valley. â&#x20AC;˘ Tuesday, Oct. 25, 11:30 a.m., General Membership Luncheon, Legends Club, 8670 Credit River Blvd., Prior Lake. Speaker will be Minnesota Secretary of State Mark Ritchie. Register online at /www.lakevillechambercvb.org/calen.html. RSVP by Oct. 21. Cost: $20/ member, $25/nonmember. â&#x20AC;˘ Wednesday, Oct. 26, 7:30 to 9 a.m., new member orientation, chamber conference room. RSVP to Linda Rynda at (952) 469-2020. â&#x20AC;˘ Wednesday, Oct. 26, 11 a.m. to 2 p.m., open house, Print Solutions, 21021 Heron Way, Suite 101, Lakeville. River Heights Chamber of Commerce events: â&#x20AC;˘ Tuesday, Oct. 11, 11:30 a.m. to 1:30 p.m., Keep it Local for Lunch, Jerseyâ&#x20AC;&#x2122;s Bar & Grill, 6449 Concord Blvd. E., Inver Grove Heights. Information: Carol Swenson at carol@riverheights.com. â&#x20AC;˘ Thursday, Oct. 13, Inver Grove Heights Local Issues meeting at the district offices. Highway 52 - take the 80th St. exit. Go east to Simley High School. Turn in the main drive at Simley High School at the school crossing area. Proceed to the district office which is located on the same property but east of the high school. Park in the east end of the high school parking lot. Limited visitor parking is available immediately in front of the district office. Information: Jennifer Gale at jennifer@riverheights.com. â&#x20AC;˘ Friday, Oct. 14, 6 to 9 p.m., The Event (Gala), Historic Concord Exchange Building, 200 N. Concord Exchange, South St. Paul. Cost: $35. Information: Jennifer Gale, (651) 389-1031, jennifer@riverheights.com. â&#x20AC;˘ Tuesday, Oct. 18, 4:45 to 5:45 p.m., Member Ally Group meeting. Information: Annie Platek at annie@riverheights. com. â&#x20AC;˘ Wednesday, Oct. 19, 7:30 to 9 a.m., CoffeeNet at Prairie View Heights, 8121 College Trail, Inver Grove Heights. Infor-

mation: Nicole Bengtson, (651) 451-2266, ext. 1030, or nicole@ riverheights.com. â&#x20AC;˘ Wednesday, Oct. 26, 7:30 to 8:30 a.m., South St. Paul Local Issues, Central Square Community Center, 100 Seventh Ave. N., South St. Paul. Information: Annie Platek at annie@riverheights.com. â&#x20AC;˘ Thursday, Oct. 27, noon to 1:30 p.m., ChamberNet, chamber office. ChamberNet is a networking group whose mission is to provide a forum for members to give and receive qualified business leads. ChamberNet is a non-competitive group where only one individual in the group will represent a specific business sector. Information: Carol Swenson at Carol@riverheights.com. Kocina Marketing and Branding Companies, 350 W. Burnsville Parkway, Suite 350, Burnsville, will offer the following free MARKETSMART seminars. To register, go to www.kocinamarketingcompanies.com/training/ or call Cynde at (612) 798-7218. â&#x20AC;˘ Wednesday, Oct. 12, 2:30 to 4 p.m., â&#x20AC;&#x153;Using Publicity to Increase Sales.â&#x20AC;? â&#x20AC;˘ Wednesday, Oct. 26, 8:30 to 10 a.m., â&#x20AC;&#x153;Expo Marketing 101.â&#x20AC;? â&#x20AC;˘ Thursday, Oct. 27, 8:30 to 11 a.m., â&#x20AC;&#x153;Creating a Social Media Plan.â&#x20AC;? Business classes are offered by District 196 Community Education. Register for the following classes at www.district196. org/ce or call (651) 423-7920. â&#x20AC;˘ Thursday, Oct. 6, 6:30 to 9 p.m., Writing Your Own Will. Fee: $49. Falcon Ridge Middle School, 12900 Johnny Cake Ridge Road, Apple Valley. â&#x20AC;˘ Monday, Oct. 10, 6:30 to 8:30 p.m., Word 2010: Getting Started. Fee: $39. Rosemount Middle School, 3135 143rd St. W., Rosemount. â&#x20AC;˘ Tuesday, Oct. 11, 6 to 9 p.m., Bulletproof Your Computer. Fee: $29. Rosemount Middle School, 3135 143rd St. W., Rosemount. â&#x20AC;˘ Tuesday, Oct. 11, 6:30 to 8:30 p.m., Marketing Strategies and Ideas. Fee: $29. Falcon Ridge Middle School, 12900 Johnny Cake Ridge Road, Apple Valley. â&#x20AC;˘ Thursday, Oct. 13, 6:30 to 9 p.m., Countdown to Retirement. Fee: $19; $6 additional adult. Falcon Ridge Middle School, 12900 Johnny Cake Ridge Road, Apple Valley. â&#x20AC;˘ Monday, Oct. 17, 6:30 to 8:30 p.m., Word 2010: Document Formatting 1. Fee: $39. Rosemount Middle School, 3135 143rd St. W., Rosemount. â&#x20AC;˘ Tuesday, Oct. 18, 6:30 to 8:30 p.m., Financial Management of Your Business. Fee: $29. Falcon Ridge Middle School, 12900 Johnny Cake Ridge Road, Apple Valley. â&#x20AC;˘ Monday, Oct. 24, 6:30 to 8:30 p.m., Word 2010: Document Formatting 2. Fee: $39. Rosemount Middle School, 3135 143rd St. W., Rosemount. â&#x20AC;˘ Tuesday, Oct. 25, 6 to 9 p.m., Seven Secrets of Windows 7. Fee: $35. Rosemount Middle School, 3135 143rd St. W,. Rosemount. â&#x20AC;˘ Tuesday, Oct. 25, 6:30 to 8:30 p.m., Developing Your Business Plan. Fee: $29. Falcon Ridge Middle School, 12900 Johnny Cake Ridge Road, Apple Valley. â&#x20AC;˘ Thursday, Oct. 27, 6:30 to 9:30 p.m., Get Completely Out of Debt, Including Your Mortgage. Fee: $35; $14 additional adult. Falcon Ridge Middle School,

12900 Johnny Cake Ridge Road, Apple Valley. Ongoing Platinum Partners, a chapter of BNI, welcomes one representative from each profession and meets every Wednesday morning from 7:30 to 9 a.m. at the Lakeville Green Mill. To learn more, call Amy at (952) 2267741. Creative Networking Professionals, an independent business networking group, meets the first and third Tuesday of the month at JoJoâ&#x20AC;&#x2122;s Rise and Wine in Burnsville from 8 to 9 a.m. The group is focused on creating interpersonal relationships to grow business-to-business referrals. Yearly dues are $65. New members are welcome. Members are limited to one per professional category. For more information, contact Jeff Rothmeyer at JeffR@Roundbank.com or see www.CreativeNetworkingProfessionals.com. Dakota Business Partners meets every Tuesday from 8:159:30 a.m. at AmericInn, 17145 Kenyon Ave. (just off Interstate 35 and County Road 50), Lakeville. For why our group is different and more information visit www.dakotabusinesspartners. com or find us on Facebook. Network Unlimited, a professional networking chapter, meets Tuesdays from 4:30 to 5:45 p.m. at Cherokee Sirloin Room, Cliff Road and Nicols Road, Eagan. To see if your category is open go to www.NetworkUnlimited. org. BNI â&#x20AC;&#x201C; The Valley Networkers chapter of Business Networking Intl. meets Thursdays at 11:30 a.m. at the DCTC Apple Valley Site at 14200 Cedar Ave. BNI is a networking group for business owners who are looking to increase their revenue. Only one person from each profession. Bring your own lunch. For more information, call Paula Sevenich at (952) 891-4057 or visit www.bni-mn.com BNI â&#x20AC;&#x201C; Networking meets Thursdays at 7:15 a.m. at the Round Bank in Farmington. For more information, contact Ellen at (952) 412-5287 or Lanny at (612) 386-2660. BNI â&#x20AC;&#x201C; Power Lunch Chapter meets Wednesdays at 11 a.m. at the Lakeville Brunswick Zone, 11129 162nd St. W. For more information, call Maggie Kase at (952) 230-1602 or visit www.bnimn.com. Professional Referral Exchange of Burnsville meets every Wednesday for breakfast at Dennyâ&#x20AC;&#x2122;s Restaurant. Meetings begin at 7 a.m. For more information, contact Jo Baecker, area director, at (612) 618-5347 or visit the website www.prorefx. com. Elite Executives Chapter of Business Networking International meets each Tuesday 7:30-9 a.m. at the Holiday Inn Express, 1950 Rahncliff Court, Eagan. This structured networking group is open to all local business owners but we do limit to one person from each profession. For information, contact Shawn Moudry (952) 451-6519. Beta Sigma Phi, Preceptor Alpha Delta Chapter, meets the second Wednesday of every month at 7:30 at a memberâ&#x20AC;&#x2122;s home. For information, call (952) 894-8831. Network Results Chapter of Business Network International, networking for local business owners, only one person from each profession. First two meet-

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ings are free. We meet every Wednesday for breakfast, 7-8:30 a.m. at Roasted Pear, 14200 Nicollet Ave. S., Burnsville. Call Jim Culpepper for more information: (612) 655-4339. Networks Plus - Diversified Business Professionals Chapter of Business Network International, a business referral organization. Meetings will be held Thursdays 11:30 a.m. â&#x20AC;&#x201C; 1 p.m. at Savage City Hall, 6000 McColl Drive, Savage, MN. All professionals are invited to attend. Call Crystal (952) 314-8676. Networking coffee group at Caribou Coffee will meet from 9:30-11:30 a.m. at Caribou Coffee, 14638 Cedar Ave., on the second and fourth Mondays of the month. Call (763) 783-4767 to register. Grapevine Network â&#x20AC;&#x153;Common Denominatorâ&#x20AC;? Group meets Tuesdays from 7:30-8:45 a.m. at Coldwell Banker Burnet, 190 Cobblestone Lane, Burnsville. For information, call (952) 7465611 or visit www.thegrapevinenetwork.com. Grapevine Networking Group meets Wednesdays from 7:30-8:45 a.m. at Coldwell Banker Burnet, 190 Cobblestone Lane, Burnsville. For information, call (952) 746-5611 or visit www.thegrapevinenetwork.com. Kingdom Advisors members meet monthly for fellowship, training, networking, prayer, and sharing of best practices. Ron Blue or other recognized speakers (via DVD) cover a topic each month helping members integrate and apply Biblical financial wisdom into their professional advice. Visitors welcome. The S Metro Group meets at Family Financial Services, 151 W. Burnsville Parkway, Burnsville, from 7:30 to 9 a.m. on the fourth Tuesday of each month. POC is Jeff Robinson at (952) 890-6611. The SE Metro Group meets at 2918 Upper 55th St., Inver Grove Heights, the first Thursday of each month from 12 noon to 1 p.m. (bring your lunch). POC is Ginger Ewing at (651) 389-1177. The S.T.A.R. (South Twin Cities Area Referral) Networking Group meets 8 to 9 a.m. every Wednesday at Bremer Bank, 17600 Cedar Ave, Lakeville. Openings are available. For questions, call Kathy Andrade at (952) 997-1306. SHiFT network events are held Thursdays from 6:30 to 8 p.m. at Inver Hills Community College, 2500 E. 80th St., Inver Grove Heights. SHiFT is a nonprofit network connecting adults in mid-life transition with opportunities to seek meaningful work, new avocations, and a supportive community (www.shiftonline. org). Members: Free. Guests: $5. Womenâ&#x20AC;&#x2122;s Business Exchange meets the fourth Wednesday from 11:30 a.m. to 1 p.m. at Baskets On Occasion, 4580 Scott Trail, Suite 204, Eagan. Fee: $5 per meeting. For more information, contact Mary at (651) 994-8392 or visit www. meetup.com/womens-businessexchange-eagan. Seed Your Business referral-based networking group meets the first and third Wednesday at noon at Baskets On Occasion, 4580 Scott Trail, Suite 204, Eagan. Fee is $5 per meeting. Up to two professions per person. Contact Mary at (651) 994 8392.

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

CITY OF LAKEVILLE, DAKOTA COUNTY, MINNESOTA NOTICE OF HEARING ON PROPOSED ASSESSMENTS TO WHOM IT MAY CONCERN: NOTICE IS HEREBY GIVEN that the City Council will meet at 7:00 p.m. on November 7, 2011, at the City Council Chambers, 20195 Holyoke Avenue, Lakeville, Minnesota, to pass upon the proposed assessment for the costs incurred as a result of City Ordinance 4-1-3 (Weed/Grass) violations. The areas to be assessed are within the City of Lakeville. The total amount to be specially assessed against the properties is $3,547.22. The proposed assessment roll is on file for public inspection at the City Clerk’s office. Written or oral objections will be considered at the City Council meeting. No appeal may be taken as to the amount of the assessment unless a signed written objection is filed with the City Clerk prior to the hearing or presented to the presiding officer at the hearing. An owner may appeal an assessment to District Court pursuant to Minnesota Statutes 429.081, by serving notice of the appeal upon the Mayor or City Clerk of the City within thirty (30) days after the adoption of the assessment and filing such notice with the District Court within ten (10) days after service upon the Mayor or City Clerk. D A T E this 17th day of October, 2011. CITY OF LAKEVILLE Charlene Friedges, City Clerk 2769750 10/6/11

NOTICE TO SUPPLIERS

BID REQUEST FOR WATER TREATMENT CHEMICALS AND POTASSIUM ORTHOPHOSPHATE NOTICE IS HEREBY GIVEN that sealed bids will be received, opened, and read aloud at 1:00 p.m. on Wednesday, 2 November 2011, in the presence of the City Clerk and the Operations & Maintenance Director at the City Hall, 20195 Holyoke Avenue, Lakeville, Minnesota, for the purchase of water treatment chemicals and potassium orthophosphate. Bidders desiring a copy of the specifications and bid forms for either or both water treatment chemicals and potassium orthophosphate may obtain them electronically at www.lakevillemn.gov or from the office of the Operations & Maintenance Director, 18400 Ipava Avenue, Lakeville, Minnesota 55044. Bidders may bid on either or both specifications. Bidders for water treatment chemicals must bid on all items in the specifications. The City Council reserves the right to reject any and all bids and to waive minor irregularities and informalities therein and further reserves the right to award the contract in the best interest of the city. All bids must be addressed to: City Clerk, City of Lakeville, 20195 Holyoke Avenue, Lakeville, Minnesota 55044. CITY OF LAKEVILLE Charlene Friedges, City Clerk Publish: Dakota County Tribune 2777454 10/6/11

PUBLIC NOTICE PUBLIC NOTICE MINNESOTA SECRETARY OF STATE

ORDER TO SHOW CAUSE STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT COURT FILE NO. 19HA-CV-11-4394 In the Matter of the Petition of: U.S. Bank National Association, as Trustee, on behalf of the holders of the CSMC Trust 2006-CF2 CS Mortgage Pass-Through Certificates, Series 2006-CF2, In Relation to Certificate of Title No. 122206 issued for land in the County of Dakota and State of Minnesota and legally described as: Lot Two (2), Block Four (4), THE OAKS THIRD ADDITION, according to the recorded plat. TO: JENNIFER CASEY-KANGAS; JOHN H. KANGAS; and to parties, if any, in possession of said premises adverse to the Petitioner. Upon receiving and filing the Report of the Examiner of Titles in the above entitled matter, IT IS HEREBY ORDERED, that you, and all persons interested, appear before this Court on the 9th day of November, 2011, at 9:00 a.m. in the Dakota county Government Center, Hastings, Minnesota, and then, or as soon thereafter as said matter can be heard, show cause, if any there be, why this Court should not enter an Order as follows: That the Registrar of Titles, upon the filing with him of a certified copy of this Order, cancel Certificate of Title No. 122206 and enter a new Certificate of Title for the land therein described in favor of Kris Blommel, subject to the memorials of Document Nos. Mortgage, Document No. 508133 and Assignment of Mortgage, Document No. 509472 and 662089, but free from all other memorials now appearing on the present Certificate of Title, the last of which is Document No. 662089, and free also from the Memorial of this Order. IT IS FURTHER ORDERED, that this Order be served: (a) at least 10 days before the hearing upon the above-named parties residing in this State in the manner provided by law for the service of Summons in a civil action; (b) it shall be served at least 14 days before the hearing upon each of the above-named non-residents by sending a copy of this Order to the non-resident's post office address, by registered or certified mail, return receipt requested; (c) it shall be served upon any party who cannot be found by two weeks published notice and by sending a copy of this Order at least 14 days before the hearing by first class mail to the last known address of the party and by sending another copy of this Order at least 14 days before the hearing by first class mail to the address of such party as stated on the Certificate of Title if an address is so stated. DATED: September 6, 2011 BY THE COURT: /s/David J. Knutson Judge of District Court APPROVED: JAMES P. O'CONNELL EXAMINER OF TITLES BY: /s/James P. O'Connell JAMES P. O'CONNELL Attorney for Petitioner: Robert Q. Williams Wilford, Geske & Cook, P.A. 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125 Attendance is not required at said hearing except to object to the entry of the above described Order. 2773280 10/6-10/13/11

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: Big’s Gym 2. State the address of the principal place of business: 26125 Dodd Blvd, 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. Big’s Pawscription, Inc., 26125 Dodd Blvd, Lakeville, MN 55044 4. I, the undersigned, certify that I am signing this document as the person whose signature is required, or as agent of the person(s) whose signature would be required who has authorized me to sign this document on his/her behalf, or in both capacities. I further certify that I have completed all required fields, and that the information in this document is true and correct and in compliance with the applicable chapter of Minnesota Statutes. I understand that by signing this document I am subject to the penalties of perjury as set forth in Section 609.48 as if I had signed this document under oath. Date: 02-02-11 Debra McNab, President 2776141 10/6-10/13/11P

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 Bolier Showroom 2. State the address of the principal place of business: 275 Market Street, Suite 366, Minneapolis, MN 55405 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. Rabbit Creek, LLC, 1397 Summit Shores Drive, Burnsville, MN 55306 4. I, the undersigned, certify that I am signing this document as the person whose signature is required, or as agent of the person(s) whose signature would be required who has authorized me to sign this document on his/her behalf, or in both capacities. I further certify that I have completed all required fields, and that the information in this document is true and correct and in compliance with the applicable chapter of Minnesota Statutes. I understand that by signing this document I am subject to the penalties of perjury as set forth in Section 609.48 as if I had signed this document under oath. Date: 29 August 2011 Susan S. Thayer/President 2776265 10/6-10/13/11P

ORDER FOR HEARING AND NOTICE (Juvenile Protection Petition For Long Term Foster Care PROCEEDINGS) STATE OF MINNESOTA COUNTY OF DAKOTA COUNTY COURT JUVENILE DIVISION File No. 19HA-JV-11-2756 In the Matter of the Welfare of D.S.D., Child. TO: Angela Mihalow 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: Pursuant to Minn. Stat. 260C.201, Subd. 11, that transfer of custody of the child to Dakota County Social Services for placement in long-term foster care is in the best interest of the child. 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 November 2, 2011 at 9:00 a.m., 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: Angela Mihalow. Dated: September 28, 2011 Judge Richard G. Spicer 2773761 10/6-10/20/11

PUBLIC NOTICE

MINNESOTA SECRETARY OF STATE CERTIFICATE OF ASSUMED NAME Minnesota Statutes, Chapter 333 The filing of an assumed name does not provide a user with exclusive rights to that name. The filing is required for consumer protection in order to enable consumers to be able to identify the true owner of a business. 1. State the exact assumed name under which the business is or will be conducted: Threads of Grace 2. State the address of the principal place of business: 19463 Century Rd., Farmington, MN 55024 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address. Paula L. Peterson, 19463 Century Rd., Farmington, MN 55024 4. I, the undersigned, certify that I am signing this document as the person whose signature is required, or as agent of the person(s) whose signature would be required who has authorized me to sign this document on his/her behalf, or in both capacities. I further certify that I have completed all required fields, and that the information in this document is true and correct and in compliance with the applicable chapter of Minnesota Statutes. I understand that by signing this document I am subject to the penalties of perjury as set forth in Section 609.48 as if I had signed this document under oath. Date: Sept. 06, 2011 Paula L. Peterson, Owner and Sole Proprietor 2762164 9/29-10/6/11P

PUBLIC NOTICE

NOTICE TO BIDDERS ENHANCED AND STANDARD LANDSCAPE MAINTENANCE CONTRACTS CITY OF LAKEVILLE Owner... The City of Lakeville, Minnesota, hereby gives notice that sealed bids will be received for the Enhanced and Standard Landscape Maintenance Contracts. Time... Sealed bids will be received until 2:00 PM local time on October 20, 2011 in the Council Chambers, 20195 Holyoke Avenue, Lakeville, MN 55044. Project Description...T h e w o r k involves spring clean up, lawn mowing, edging, weeding, trimming and pruning of shrubs, fertilization, herbicide application, maintenance of mulch beds and fall clean up of 26 Standard Contract sites and 10 Enhanced Contract sites. Enhanced Contract sites also include maintenance of irrigation systems. Bidding Documents...The Bidding Documents may be obtained from the Parks Department, 20195 Holyoke Avenue, Lakeville, MN 55044. Bid Security...Bid security in the amount of not less than 5% of the bid shall accompany each bid in accordance with the Instructions to Bidders. Bid Rejection/Acceptance...OWNER reserves the right to reject any and all bids, waive any informalities in bidding or to accept the bid or bids which best serve the interest of the OWNER. Bid Withdrawal...No bid shall be withdrawn for a period of 90 days after the scheduled opening of the bids without the consent of the OWNER. Published by authority of the City of Lakeville, Minnesota. By: Charlene Friedges, City Clerk Date: October 4, 2011 Published in the Dakota County Tribune on October 6, 2011. 2777641 10/6/11

MINNESOTA SECRETARY OF STATE CERTIFICATE OF ASSUMED NAME Minnesota Statutes, Chapter 333 The filing of an assumed name does not provide a user with exclusive rights to that name. The filing is required for consumer protection in order to enable consumers to be able to identify the true owner of a business. 1. State the exact assumed name under which the business is or will be conducted: Staged Advantage Designs 2. State the address of the principal place of business: 12700 Welcome Lane, Burnsville, MN 55337 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address. Walden Management Co., 12700 Welcome Lane, Burnsville, MN 55337 4. I, the undersigned, certify that I am signing this document as the person whose signature is required, or as agent of the person(s) whose signature would be required who has authorized me to sign this document on his/her behalf, or in both capacities. I further certify that I have completed all required fields, and that the information in this document is true and correct and in compliance with the applicable chapter of Minnesota Statutes. I understand that by signing this document I am subject to the penalties of perjury as set forth in Section 609.48 as if I had signed this document under oath. Date: 5/23/11 Kirsten J. Smith, VP Property Development 2776122 10/6-10/13/11P

PUBLIC NOTICE

ORDER TO SHOW CAUSE STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT COURT FILE NO. 19HA-CV-11-4542 In the Matter of the Petition of: PNC Bank, National Association, in Relation to Certificate of Title No. 145070 issued for land in the County of Dakota and State of Minnesota legally described as follows: Lots Sixteen (16) and Seventeen (17) in Block Twenty (20) in Lorraine Park Addition to the City of South St. Paul, according to the plat thereof on file and of record in the office of the Registrar of Title in and for Dakota County, Minnesota. TO: NHIA Y. YANG; LEE CHANG; MAIKAO XIONG; and to parties, if any, in possession of said premises adverse to the Petitioner. Upon receiving and filing the Report of the Examiner of Titles in the above entitled matter, IT IS HEREBY ORDERED, that you and all persons interested, appear before this Court on the 9th day of November, 2011, at 9:00 a.m. in the Dakota County Government Center, Hastings, Minnesota, and then, or as soon thereafter as said matter can be heard, show cause, if any there be, why this Court should not enter an Order as follows. That the Registrar of Titles, upon the filing with him of a certified copy of this Order, cancel Certificate of Title No. 145070 and enter a new Certificate of Title for the land therein described in favor of PNC Bank, National Association, subject to the memorial of Document No. 38318 but free from all other memorials now appearing in the present Certificate of Title, the last of which is Document No. 674891, and free also from the Memorial of this Order. IT IS FURTHER ORDERED, that this Order be served: a) at least 10 days prior to such hearing upon the above named parties residing in this State in the manner provided by law for the service of Summons in a civil action; b) it shall be served at least 14 days prior to such hearing upon any of the above named nonresidents by sending a copy of this Order to such nonresident at his post office address, by registered or certified mail, return receipt; c) it shall be served upon any party who cannot be found by two weeks published notice and by sending a copy of this Order at least 14 days prior to the hearing by first class mail to such party at this last known address and by sending another copy of this Order at least 14 days prior to the hearing by first class mail to his address as stated on the Certificate of Title if an address is so stated. DATED: 9/7/11 BY THE COURT: David Knutson Judge of District Court APPROVED: JAMES P. O’CONNELL EXAMINER OF TITLES BY: /s/ JAMES P. O’CONNELL Attorney for Petitioner: Adam Soczynski Usset, Weingarden & Liebo, PLLP 4500 Park Glen Road #300 Minneapolis, MN 55416 Attendance is not required at said hearing except to object to the entry of the above described Order. 2766114 9/29-10/6/11

ORDER FOR HEARING AND NOTICE (Juvenile Protection Petition For Long Term Foster Care PROCEEDINGS) STATE OF MINNESOTA COUNTY OF DAKOTA COUNTY COURT JUVENILE DIVISION File No. 19HA-JV-11-2756 In the Matter of the Welfare of D.S.D., Child. TO: Ulysses Bryant, f.k.a. Ulysses Davis, Jr. 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: Pursuant to Minn. Stat. 260C.201, Subd. 11, that transfer of custody of the child to Dakota County Social Services for placement in long-term foster care is in the best interest of the child. 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 November 2, 2011 at 9:00 a.m., 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: Ulysses Bryant, f.k.a. Ulysses Davis, Jr. Dated: September 28, 2011 Judge Richard G. Spicer 2776463 10/6-10/20/11

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-11-2749 In the Matter of the Welfare of P.E., Child. TO: James Ellis Social Worker, Mary Jo Rudolph, 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(8), in that the child is without proper parental care because of the emotional, mental, or physical disability, or state of immaturity of the child’s parent, guardian or other custodian. Subd. 6(9), in that the child is one whose behavior, condition, or environment is such as to be injurious or dangerous to the child or others, including, but not limited to, the exposure of a child to criminal activity in the child’s home. 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 October 20, 2011 at 2:30pm, 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: James Ellis. Dated: September 29, 2011 Judge Richard G. Spicer 2776546 10/6/11

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-11-2749 In the Matter of the Welfare of E.R., Child. TO: Chris Rutter Social Worker, Mary Jo Rudolph, 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(8), in that the child is without proper parental care because of the emotional, mental, or physical disability, or state of immaturity of the child’s parent, guardian or other custodian. Subd. 6(9), in that the child is one whose behavior, condition, or environment is such as to be injurious or dangerous to the child or others, including, but not limited to, the exposure of a child to criminal activity in the child’s home. 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 October 20, 2011 at 2:30pm, or as soon thereafter as said matter can be heard; IT IS FURTHERED ORDERED that notice hereof be given to the following named persons by one week publication in a legal newspaper as provided by law, viz: Chris Rutter. Dated: September 29, 2011 Judge Richard G. Spicer 2776997 10/6/11

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 31, 2002 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $125,000.00 MORTGAGOR(S): Rodney A. Lorence, a single person MORTGAGEE: Deborah L. Luskey, as Personal Representative and Gary C. Lorence as Personal Representative of the Estate of Charles Victor Lorence a/k/a Charles V. Lorence a/k/a C. V. Lorence, Deceased DATE AND PLACE OF REGISTERING: Registered: November 01, 2002 Dakota County Registrar of Titles Document Number: 479856 AMENDED ORDER OF COMPLETE SETTLEMENT OF THE ESTATE AND DECREE OF DISTRIBUTION: And assigned to: Gary C. Lorence, Deborah L. Luskey, Lendell Luskey, Aaron Luskey, Daniel Luskey, Patricia A. Nelson, Patrick Nelson, Roxann M. Chasteen and Melissa Chasteen Dated: January 27, 2011 Registered: February 04, 2011 Dakota County Registrar of Titles Document Number: T675389 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Deborah L. Luskey, as Personal Representative and Gary C. Lorence as Personal Representative of the Estate of Charles Victor Lorence a/k/a Charles V. Lorence a/k/a C. V. Lorence, Deceased Residential Mortgage Servicer: Deborah Luskey Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 126304 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 808 23rd Ave N, South St Paul, MN 55075-1323 Tax Parcel ID Number: 36-76800-090-01 LEGAL DESCRIPTION OF PROPERTY: Lot 9, Block 1, Tower Heights, according to the plat thereof on file in Dakota County, MN AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $166,146.41 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 18, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 18, 2012, or the next business day if May 18, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 06, 2011 ASSIGNEE OF MORTGAGEE: Gary C. Lorence, Deborah L. Luskey, Lendell Luskey, Aaron Luskey, Daniel Luskey, Patricia A. Nelson, Patrick Nelson, Roxann M. Chasteen and Melissa Chasteen Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 017027F02 2773681 10/6-11/10/11

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PUBLIC NOTICE

Notice of Public Sale Niemeyer Mini Storage has units available for bids on Oct. 15th, 2011 (business hours 9am-3pm). Unless otherwise withdrawn. These bids would satisfy back rent on the following units: #11 owned by Gene Shelleud, Prior Lake, MN and #52 owned by Sam Tice of Lakeville, MN. This public sale will result in the goods being sold to highest submitted bidder. Certain terms and conditions apply. Niemeyer Mini Storage is located 10405 E 260th St, Elko, MN 55020. 952-461-2525 2770337 10/6-10/13/11P

PUBLIC NOTICE

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

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PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE

SuperLock Self Storage You are hereby notified that SuperLock Self Storage, 14541 Glenda Drive, Apple Valley, MN 55124 will conduct a sale on site on Wednesday, October 26, 2011 at 10:00 AM. Unit # Tenant 2302 Sabra Thurber Description of Items Vase, 100+/- boxes and totes containing books, kitchen furnishings and misc. household goods.

Unit # Tenant 2307 Sabra Thurber Description of Items Work bench, moving crates, shelving, kitchen table, 75 +/- boxes and totes containing misc. books and other household goods. Unit # Tenant 1205 Terrance Johnson Description of Items 4 CPUs The contents will be sold for cash at auction to the highest bidder. 2763814 9/29-10/6/11

PUBLIC NOTICE

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 28, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $120,000.00 MORTGAGOR(S): Joe Kehborn, Jr. and Angie Kehborn, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for EquiFirst Corporation DATE AND PLACE OF RECORDING: Recorded: April 11, 2007 Dakota County Recorder Document Number: 2509058 ASSIGNMENTS OF MORTGAGE: And assigned to: Nationstar Mortgage, LLC Dated: September 14, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100200100112471713 Lender or Broker: EquiFirst Corporation Residential Mortgage Servicer: Nationstar Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1815 Walnut St, Hastings, MN 55033-3545 Tax Parcel ID Number: 19-83750-00-040 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Westwood Addition, First Section, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $123,644.90 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 18, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 18, 2012, or the next business day if May 18, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 06, 2011 ASSIGNEE OF MORTGAGEE: Nationstar Mortgage, LLC Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021668F01 2774251 10/6-11/10/11

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

PUBLIC NOTICE

NOTICE OF SALE OF PERSONAL PROPERTY TO SATISFY LIEN THEREON NOTICE IS HEREBY GIVEN that the personal property described as follows: 1975 STRA manufactured home, VIN #540AB currently located at 7114 126TH Street Court, Apple Valley, Minnesota 55124, together with all miscellaneous personal property located therein will be sold at public auction by the Dakota County Sheriff on the 28th day of October, 2011 at 1:00 P.M., at Cedar Knolls Community Office, 12571 Garland Avenue, in the city of Apple Valley, County of Dakota, State of Minnesota, to pay and satisfy a lien which is claimed to be due thereon of Penny J. Kuechenmeister (a/k/a Penny Ness) (03/30/1963), and Dakota County CDA as the owner(s) thereof to: Hometown Homes in the sum of Three-Thousand, Five-Hundred, Seventy-Two Dollars and 34/100 ($3,572.34) computed to the day of said sale, exclusive of the expenses of said sale and of the advertising thereof, together with the necessary expenses of advertising and making said sale; and that the grounds of said lien are storage of and care for tenant's personal property remaining on landlord's premises following abandonment by tenant. Dated: September 14, 2011 ______________________ Carol Williams, Agent Hometown Homes 2769282 9/29-10/13/11

PUBLIC NOTICE

NOTICE OF INFORMAL PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA FIRST JUDICIAL DISTRICT DISTRICT COURT PROBATE DIVISION Court File No. 19HA-PR-11-566 Estate of Duane Milton Freier, Decedent Notice is given that an application for informal probate of the Decedent’s will dated April 15, 2010 (“Will”), has been filed with the Registrar. The application has been granted. Notice is also given that the Registrar has informally appointed Barbara A. Freier whose address is 5908 Bradbury Court, Inver Grove Heights, MN 55076 as personal representative of the Estate of the Decedent. Any heir, devisee or other interested person may be entitled to appointment as personal representative or may object to the appointment of the personal representative. Unless objections are filed with the Court (pursuant to Minn. Stat. 524.3-607) and the Court otherwise orders, the personal representative has full power to administer the Estate, including, after 30 days from the date of issuance of letters, the power to sell, encumber, lease or distribute real estate. Any objections to the probate of the Will or appointment of the Personal Representative must be filed with this Court and will be heard by the Court after the filing of an appropriate petition and proper notice of hearing. Notice is also given that (subject to Minn. Stat. 524.3-801) all creditors having claims against the Estate are required to present the claims to the personal representative or to the Court Administrator within four months after the date of this Notice or the claims will be barred. A charitable beneficiary may request notice of the probate proceedings be given to the Attorney General pursuant to Minn. Stat. 501B.41, subd. 5. Dated: 9/27/22 Carolyn M. Renn Registrar Carolyn M. Renn Court Administrator Attorney for Applicant Gary M. Berg Gary M. Berg Attorney at Law 2520 Bantas Point Road Wayzata, MN 55391 Attorney License No: 0218388 Telephone: 952-473-2966 FAX: 952-473-2966 Email: gberg99@comcast.net 2770806 10/6-10/13/11P

NOTICE OF SALE OF GOODS IN STORAGE TO SATISFY WAREHOUSE’S LIEN Notice is hereby given to persons, herein after named and others interested that on 10/18/2011 at 10 o’clock in the AM of sale day, the goods hereafter described will be sold by auction to the highest bidder for cash at: Lake Marion Mini Storage 22595 Pillsbury Avenue Lakeville, MN 55044 Sale will be held in accordance with terms of a notice previously given the persons herein-after named and others interested, and in accordance with the lien herewith and such other charges as are valid lien against said goods, and for expenses of advertising said sale. The name of the owners or persons whose account said goods are held in storage and a description of the goods is as follows: Household Goods Bud Manias $270.00 Household Goods Jeffrey Fecke $405.00 Household Goods Linnette Arndt $490.00 Household Goods Luther Morgan $235.00 Household Goods Leslie/Thomas Winslow $380.00 2766602 9/29-10/6/11

PUBLIC NOTICE

ORDER FOR HEARING AND NOTICE (Petition For Termination Of Parental Rights PROCEEDINGS) STATE OF MINNESOTA COUNTY OF DAKOTA COUNTY COURT JUVENILE DIVISION File No. 19HA-JV-11-2723 In the Matter of the Welfare of N.P.N., N.A.N., N.E.W., Children. TO: Nicole Lynn Newling Social Worker Leslie Yunker, having filed in this Court, a petition alleging among other things that the above named children are, in need of protection or services, in this, viz: pursuant to Minnesota Statutes 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)(8), because the child is neglected and in foster care. IT IS ORDERED that said petition be heard and the facts concerning such children be examined by the Court in the County Court Room, in the Court House, in Hastings, Minnesota, on October 26, 2011 at 9:00 a.m., 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 publication in a legal newspaper as provided by law, viz: Nicole Lynn Newling. IF YOU FAIL TO APPEAR THE COURT MAY CONDUCT THE HEARING IN YOUR ABSENCE AND THE HEARING MAY RESULT IN THE TERMINATION OF YOUR PARENTAL RIGHTS. Dated: September 28, 2011 Judge Richard G. Spicer 2773712 10/6-10/20/11

PUBLIC NOTICE

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

NOTICE OF INFORMAL PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA FIRST JUDICIAL DISTRICT DISTRICT COURT PROBATE COURT DIVISION Court File No.: 19HA-PR-11-574 In Re: Estate of Dean Lynn Melnyk, also known as Dean L. Melnyk, Decedent. Notice is given that an application for informal probate of the Decedent’s will dated December 25, 1997 (“Will”) has been filed with the Registrar. The application has been granted. Notice is also given that the Registrar has informally appointed Catherine Christie, whose address is 1215 Balsam Trail East, Eagan, MN 55123, as Personal Representative of the Estate of the Decedent. Any heir, devisee or other interested person may be entitled to appointment as personal representative or may object to the appointment of the Personal Representative. Unless objections are filed with the Court (pursuant to Minn. Stat. § 524.3-607) and the Court otherwise orders, the Personal Representative has full power to administer the Estate including, after 30 days from the date of issuance of letters, the power to sell, encumber, lease or distribute real estate. Any objections to the probate of the Will or appointment of the Personal Representative must be filed with this Court and will be heard by the Court after the filing of an appropriate petition and proper notice of hearing. Notice is also given that (subject to Minn. Stat. § 524.3-801) all creditors having claims against the Estate are required to present the claims to the Personal Representative or to the Court Administrator within four months after the date of this Notice or the claims will be barred. Dated: 9/28/2011 Carolyn M. Renn Registrar Carolyn M. Renn Court Administrator Attorney for Personal Representative: Lisa Speeter Diessner (#387946) Speeter & Johnson 1515 One Financial Plaza 120 South Sixth Street Minneapolis, MN 55402 Tel: (612) 339-7566 Fax: (612) 339-9055 Emal: ldiessner@speeterjohnson.com 2772735 10/6-10/13/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE DATE: September 7, 2011 YOU ARE NOTIFIED THAT: 1. Default has occurred in the conditions of the Mortgage dated 02/02/2011 executed by Darrah L. Williams (“Mortgagor”) to Williams Family Trust Dated July 14, 1994 (“Mortgagee ” ) a n d recorded on 02/03/2011, as Document Number 2784126, in the Office of the County Recorder Dakota County, Minnesota. 2. The Mortgage has been assigned as follows: Not applicable. 3. The original principal amount secured by the Mortgage was: One Hundred Twenty Thousand Seven Hundred Dollars ($120,700.00). 4. No action or proceeding at law is now pending to recover the debt secured by the Mortgage, or any part thereof. 5. The holder of the Mortgage has complied with all conditions precedent to acceleration of the debt secured by the Mortgage and foreclosure of the Mortgage, and all notice and other requirements of application statutes. 6. At the date of this notice the amount due on the Mortgage, and taxes, if any, paid by the holder of the Mortgage is: One Hundred Twenty-two Thousand Eight Hundred Seventeen & 25/100 Dollars ($122,817.25). 7. Pursuant to the power of sale in the Mortgage, the Mortgage will be foreclosed, and the land described as follows: Lot 7, Block 5, Whitewood Addition, according to the plat thereof on file in the office of the County Recorder, Dakota County, Minnesota; will be sold by the County Sheriff of Dakota County, Minnesota, at public auction on 11/15/2011, 10:00, a.m., at Law Enforcement Center, 1580 Highway 55, Hastings, Minnesota, 55033. 8. The time allowed by law for redemption by Mortgagor or Mortgagor’s personal representatives or assigns is six months after the date of sale. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR’S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. Attorney for Mortgagee or Assignee of Mortgage /s/ Loren Gross 8609 Lyndale Ave. So., Ste. 214 Bloomington, MN 55420 2745693 9/15-10/20/11

Notice of Hearing by Publication (Minn. Stat. § 518B.01, subd. 8) State of Minnesota County Dakota District Court First Judicial District Court File Number: 19AV-FA-11-2782 Case Type: Domestic Abuse In the Matter of: Shayla Eileen Johnson, Petitioner vs. Joshua Bruce Lee, Respondent To Respondent named above: An order has been issued directing you to appear at 14955 Galaxie Ave., Apple Valley, MN on November 7, 2011 at 9:00 AM 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: October 3, 2011 Carolyn Renn Court Administrator Ann Hagberg Deputy 2776030 10/6/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN: That default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: April 27, 2007 MORTGAGOR: Guy J. Dawson and Barbara M. Dawson, husband and wife MORTGAGEE: Provincial Bank, a Minnesota state banking corporation DATE AND PLACE OF RECORDING: Recorded May 11, 2007, in the office of the County Recorder, as Document No. 2516273, Dakota County, Minnesota. MORTGAGED PROPERTY ADDRESS: 14175 Dearborn Path, Rosemount, Minnesota 55068 TAX PARCEL I.D. NO. 34-18300-03-100 LEGAL DESCRIPTION OF PROPERTY: Lot 10, Block 3, Country Hills First Addition, according to the recorded plat thereof, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $249,600.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $246,090.39 INTEREST RATE AND PER DIEM: Current interest rate is 6.25%, with a daily per diem of $40.35. 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: November 18, 2011, at 10:00 am. PLACE OF SALE: Dakota County Sheriff's Office, Dakota County Sheriff's Office, Law Enforcement Center, 1580 Highway 55, 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: May 18, 2012 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: September 28, 2011 MESSERLI & KRAMER P.A. By: /s/ Creig Andreasen Creig Andreasen (Lic. #334832) 1400 Fifth Street Towers 100 South Fifth Street Minneapolis, MN 55402-1217 (612) 672-3600 Attorney in Fact for Provincial Bank IMPORTANT NOTICE This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 854976.1

2775633

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PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J a n u a r y 2 8 , 2003 MORTGAGORS: T y s o n M o r s s a n d Nancy Morss, husband and wife. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded July 10, 2003, Dakota County Recorder, Document No. 2076176. ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc.. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100026600062383430 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Peoples Home Mortgage RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 17720 Jamaica Circle, Lakeville, MN 55044 TAX PARCEL I.D. #: 225350203190 LEGAL DESCRIPTION OF PROPERTY: Lot 19, Block 3, Oak Hills Third Addition, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $170,050.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $155,085.97 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: September 30, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on March 30, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: August 8, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-6296 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 4, 2011 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: September 28, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-6296 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2770926 10/6/11

PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE

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

PUBLIC NOTICE

ORDER TO SHOW CAUSE STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT COURT FILE NO. 19HA-CV-11-4539 in the Matter of the Petition of: Federal National Mortgage Association, in Relation to Certificate of Title No. 140807 issued for land in the County of Dakota and State of Minnesota legally described as follows: Lot Three (3), Block Two (2), Jackson Heights Second Addition, according to the plat thereof. TO: JAMES L. CLARK; ADA JILSA R. CLARK; and to parties, if any, in possession of said premises adverse to the Petitioner. Upon receiving and filing the Report of the Examiner of Titles in the above entitled matter, IT IS HEREBY ORDERED, that you and all persons interested, appear before this Court on the 9th day of November, 2011, at 9:00 a.m. in the Dakota County Government Center, Hastings, Minnesota, and then, or as soon thereafter as said matter can be heard, show cause, if any there be, why this Court should not enter an Order as follows: That the Registrar of Titles, upon the filing with him of a certified copy of this Order, cancel Certificate of Title No. 140807 and enter a new Certificate of Title for the land therein described in favor of Federal National Mortgage Association, free from all other memorials now appearing on the present Certificate of Title, the last of which is Document No. 674515, and free also from the Memorial of this Order. IT IS FURTHER ORDERED, that this Order be served: a) at least 10 days prior to such hearing upon the above named parties residing in this State in the manner provided by law for the service of Summons in a civil action; b) it shall be served at least 14 days prior to such hearing upon any of the above named nonresidents by sending a copy of this Order to such nonresident at his post office address, by registered or certified mail, return receipt; c) it shall be served upon any party who cannot be found by two weeks published notice and by sending a copy of this Order at least 14 days prior to the hearing by first class mail to such party at this last known address and by sending another copy of this Order at least 14 days prior to the hearing by first class mail to his address as stated on the Certificate of Title if any address is so stated. DATED: 9/7/11 BY THE COURT David Knutson Judge of District Court APPROVED: JAMES P. O’CONNELL EXAMINER OF TITLES BY: /s/ JAMES P. O’CONNELL Attorney for Petitioner: Adam Soczynski Usset, Weingarden & Liebo, PLLP 4500 Park Glen Road #300 Minneapolis, MN 55416 Attendance is not required at said hearing except to object to the entry of the above described Order. 2769037 9/29-10/6/11

NOTICE AND ORDER FOR HEARING ON PETITION FOR DESCENT OF PROPERTY STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT PROBATE DIVISION FIRST JUDICIAL DISTRICT Court File No. 19HA-PR-11-577 ESTATE OF Florence J. Kelley, 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 at the hearing. If proper, and no objections are filed, the Petition may be granted. IT IS ORDERED and Notice is further given, that the petition will be heard on 10-24-2011, at 9:00 a.m. by this Court at Dakota County Government Center, 1560 Highway 55, Hastings, Minnesota, (1) Notice shall be given to all interested persons (Minn. Stat. 524.401) and persons who have filed a demand for notice pursuant to Minn. Stat. 524.3-204. (2) Notice shall be given by publishing this Notice and Order as provided by law and by mailing a copy of this Notice and Order at least 14 days prior to the hearing date. Date: 9/29/11 Richard G. Spicer Judge (COURT SEAL) Attorney for Petitioner: Sally K. Mortenson Attorney At Law 2500 West County Road 42, Suite 160 Burnsville, MN 55337 (952) 431-2222 FAX: (952) 224-0901 2773502 10/6-10/13/11

PUBLIC NOTICE

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

NOTICE AND ORDER OF HEARING ON PETITION FOR PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA FIRST JUDICIAL DISTRICT DISTRICT COURT PROBATE DIVISION Court File No. 19HA-PR-11-581 Estate of Audrey C. Mears, also known as Audrey Cummins Mears, also known as Audrey Jean Mears, and Audrey Mears, Decedent It is Ordered and Notice is given that on Oct. 24, 2011, at 9:00 AM, a hearing will be held in this Court at Dakota County Judicial Center, 1560 Highway 55, Hastings, Minnesota 55033, for the formal probate of an instrument purporting to be the Will of Decedent dated July 19, 2005, (“Will”), and for the appointment of Allen E. Mears, whose address is 4920 Kalenda Avenue NE, Albertville, MN 55301 as Personal Representative of the Estate of the Decedent in an UNSUPERVISED administration. Any objections to the petition must be filed with the Court prior to or raised at the hearing. If proper and if no objections are filed or raised, the Personal Representative will be appointed with full power to administer the Estate including the power to collect all assets, to pay all legal debts, claims, taxes and expenses, to sell real and personal property, and to do all necessary acts for the Estate. Notice is also given that (subject to Minn. Stat. § 524.3-801) all creditors having claims against the Estate are required to present the claims to the Personal Representative or to the Court Administrator within four months after the date of this Notice or the claims will be barred. Dated: 9/30/11 BY THE COURT David L. Knutson Judge of District Court Attorney for Petitioner Trisha A. Vicario (#0343845) Hansen, Dordell, Bradt, Odlaug & Bradt, PLLP 3900 Northwoods Drive, Suite 250 Saint Paul, MN 55112 Telephone: (651) 332-8730 FAX: (651) 482-8909 Email: tvicario@hdbob.com 2775888 10/6-10/13/11

PUBLIC NOTICE

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

SUMMONS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT TENTH JUDICIAL DISTRICT Case Type: Other Civil Court File No. 19HA-CV-11-5003 Peoples National Bank of Mora, Plaintiff vs. Gordon F. Brown, Sr. and Judy K. Brown, Defendants. THE STATE OF MINNESOTA TO THE ABOVE 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 twenty (20) days after service of this summons upon you, exclusive of the date of service. If you fail to do so, judgment by default will be taken against you for the relief demanded in the complaint. Civil cases are subject to alternative dispute resolution processes as provided in Rule 114 of the General Rules of Practice for the District Courts. Alternative dispute resolution includes mediation, arbitration, and other processes set forth in the rules. You may contact the Court Administrator for information about these processes and about resources available in our area. Date: 9-28-11 LINDBERG & MCKINNIS, P.A. By: /s/ D. Sherwood McKinnis, #176898 Trent L. Pepper, #0387664 200 3rd Avenue NE, Suite 300 Cambridge, MN 55008 Phone: (763) 689-9596 Fax: (763) 689-9806 ATTORNEYS FOR PLAINTIFF 2776085 10/6-10/20/11

PUBLIC NOTICE

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

PUBLIC NOTICE

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

J. Eng; Richard L. Hanes; Rodney Edlund; Nationstar Mortgage LLC; Douglas F. Aldrich; Zeljko Borkovic; Jeremy Welke; Jennifer Sucha; Laurie M. Jackson; Dane C. Fox; Michael T. Gergen; Kathleen M. Newman & Associates, P.A.; Maryknoll, LLC; Jason D. Grovom; Greg A. Schlosser; Timothy M. Conboy; Kristin K. Ksilander-Larson; Lacey M. Bruner; Keith S. Mendonsa; Phillip S. Carlson and Michelle L. Carlson; Private Bank Minnesota; Kevin J. Mowery and Ashley E. Mowery; Dolphin Enterprises, Inc., a California corporation; Gregory Dulgarian and Irene-Rose Hougasian; Tyler J. Undem and Erica M. Undem; Alan Isaacs and Sheri Isaacs; JoBeth K. Thompson and Scott R. Thompson; Melissa L. Johnson and Trent M. Johnson; Cheryl L. MacLeod; Harry’s Cafe, LLC; Weigh LLC, Muller Family Theatres of Lakeville, LLC; Affordable R & R Services, Inc.; Wells Fargo Bank, N.A.; Affinity Plus Federal Credit Union; Mortgage Electronic Registration Systems Inc.; Bank of America, N.A.; Ohio Savings Bank; Federal National Mortgage Associaton; The First National Bank & Trust Co. of Iron Mountain; Summit Mortgage Corporation; CitiMorgage, Inc; JP Morgan Chase Bank, N.A.; Think Mutual Bank; BAC Home Loans Servicing LP; Robert J. Pond, Trustee of the Robert J. Pond Living Trust dated January 26, 1977; Anchor Bank Saint Paul, NA; First American Bank, National Association; Bremer Bank, National Association; Morgan Square Homewoners Association; the City of Lakeville; Dakota County Community Development Association; and Wal-Mart Real Estate Business Trust, a Delaware Statutory Trust, Defendants _______________________________________ THIS AMENDED SUMMONS IS DIRECTED TO TIANA RICHARDSON; NICHOLAS K. SELIMOS; BUFI E. SELIMOS; DANE C. FOX; JOY L OSIKA; AND ROBERT J. POND, TRUSTEE OR HIS SUCCESSOR TRUSTEE OF THE ROBERT J. POND LIVING TRUST DATED JANUARY 26, 1977. 1. YOU ARE BEING SUED. The Plaintiff has started a lawsuit against you. the Plaintiff's Amended Complaint against you is on filed with the Dakota County Court Administrator’s Office in Hastings, Minnesota. Do not throw these papers away. They are official papers that affect your rights. 2. YOU MUST REPLY WITHIN 10 DAYS TO PROTECT YOUR RIGHTS. You must give or mail to the person who signed this Amended Summons a written response called an Answer within 10 days of the date on which you received this Amended Summons. You must send a copy of your Answer to the Plaintiff’s attorney at the following address: Gavin Law Office, PLC 207 N. Chestnut Street, Suite 150 Chaska, MN 55318 3. YOU MUST RESPOND TO EACH CLAIM. The Answer is your written response to the Plaintiff’s Amended Complaint. In your Answer you must state whether you agree or disagree with each paragraph of the Amended Complaint. If you believe the Plaintiff should not be given everything asked for in the Amended Complaint, you must say so in your Answer. 4. YOU WILL LOSE YOUR CASE IF YOU DO NOT SEND A WRITTEN RESPONSE TO THE AMENDED COMPLAINT TO THE PLAINTIFF’S ATTORNEY WHOSE NAME AND ADDRESS ARE SHOWN IN PARAGRAPH 2 ABOVE. If you do not answer within 10 days, you will lose this case. You will not get to tell your side of the story, and the Court may decide against you and award the Plaintiff everything asked for in the Amended Complaint. if you do not want to contest the claims stated in the Amended Complaint, you do not need to respond. A default judgment can then be entered against you for the relief requested in the Amended Complaint. 5. LEGAL ASSISTANCE. You may wish to get legal help from a lawyer. If you do not have a lawyer, the Court Administrator may have information about places where you can get legal assistance. Even if you cannot get legal help, you must still provide a written Answer to protect your rights or you may lose the case. 6. ALTERNATIVE DISPUTE RESOLUTIO N. The parties may agree to or be ordered to participate in an alternative dispute resolution process under Rule 114 of the Minnesota General Rules of Practice. You must still send your written response to the Amended Complaint even if you expect to use alternative means of resolving this dispute. 7. THIS LAWSUIT MAY AFFECT OR BRING INTO QUESTION TITLE T O R E A L P R O P E R T Y located in Dakota County, State of Minnesota, legally described as follows: Lots 1, 2 and 3, Block 1; Lots 1, 2 and 3, Block 2; Outlots B, C, and D, all in Lakeville Commerce Center; Outlot E, Lakeville Commerce Center (replatted as Morgan Square and Morgan Square 2nd Addition); and The North 660.06 feet of the East 660 feet of the Northeast Quarter of Section 35, Township 114, Range 21. The object of this action is a declaration by the Court of certain rights and obligations under a Declaration of Covenants, Conditions and Restrictions recorded as Document No. 1422893, as amended by Document Nos. 1580119 and 2072626, in the Office of the Dakota

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2072626, in the Office of the Dakota County Recorder. GAVIN LAW OFFICE, PLC /s/ Dean G. Gavin, #024683 207 N. Chestnut St., Suite 150 Chaska, MN 55318 (952) 368-4199 James D. Bates, #5265 16670 Franklin Trail SE, Suite 250 Pror Lake, MN 55372 (952) 226-2100 ATTORNEYS FOR PLAINTIFF 2769189 9/29-10/13/1P

PUBLIC NOTICE

NOTICE AND ORDER OF HEARING ON PETITION FOR FORMAL PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA FIRST JUDICIAL DISTRICT DISTRICT COURT PROBATE DIVISION Court File No. 19HA-PR-11-568 Estate of DAVID C. BUTZINE a/k/a David Coombs Butzine, Decedent TO ALL INTERESTED PERSONS AND CREDITORS: It is Ordered and Notice is hereby given that on the 24th day of October, 2011, at 9:00 o’clock A.M., a hearing will be held in the above-named Court at Dakota County Judicial Center, 1560 Highway 55, Hastings, Minnesota 55033, for the formal probate of an instrument purporting to be the Will of the above-named Decedent, dated November 16, 2010, and for the appointment of Judith M. Blohm, whose address is 2311 North 18th Street, Alexandria, Virginia 22201, as Personal Representative of the estate of the above-named Decedent in unsupervised administration, and that any objections thereto must be filed with the Court. That, if proper, and no objections are filed, a Personal Representative will be appointed to administer the estate, to collect all assets, pay all legal debts, claims, taxes, and expenses, and sell real and personal property, and do all necessary acts for the estate. Notice is further given that ALL CREDITORS having claims against said estate are required to present the same to said personal representative or to the Clerk of the Court within four months after the date of this notice or said claims will be barred. Dated: 9/28/11 For the Judge: David Knutson Judge of District Court Attorney for Personal Representative G. H. Albers, Esq. ALBERS LAW OFFICE 2605 East Cliff Road Burnsville, MN 55337 Off: 952-894-8899 Fax: 952-894-8959 Email: ghalbers@aol.com MN Atty. Lic. No: 838 2771347 10/6-10/13/11

PUBLIC NOTICE

NOTICE AND ORDER OF HEARING ON PETITION FOR PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA FIRST JUDICIAL DISTRICT DISTRICT COURT PROBATE DIVISION Court File No. 19HA-PR-11-585 Estate of Bonita J. Brandt, Decedent It is Ordered and Notice is given that on November 7, 2011, at 9:00 a.m., a hearing will be held in this Court at Dakota County Judicial Center, 1560 Highway 55, Hastings, Minnesota, for the formal probate of an instrument purporting to be the Will of the Decedent, dated 11/18/1982, and separate writing ( ) under Minn. Stat. 524.2-513 (“Will”), and for the appointment of George C. Splichal, whose address is 2185 Falcon Avenue, St. Paul, Minnesota 55119 as Personal Representative of the Estate of the Decedent in an UNSUPERVISED administration. Any objections to the petition must be filed with the Court prior to or raised at the hearing. If proper and if no objections are filed or raised, the Personal Representative will be appointed with full power to administer the Estate including the power to collect all assets, to pay all legal debts, claims, taxes and expenses, to sell real and personal property, and to do all necessary acts for the Estate. Notice is also given that (subject to Minn. Stat. 524.3-801) all creditors having claims against the Estate are required to present the claims to the Personal Representative or to the Court Administrator within four months after the date of this Notice or the claims will be barred. A charitable beneficiary may request notice of the probate proceedings be given to the Attorney General pursuant to Minn. Stat. 501B.41, subd. 5. Dated: 10/4/11 BY THE COURT Richard G. Spicer Judge of District Court (COURT SEAL) Attorney for Personal Representative Kristin L. Davis Sieloff and Associates, P.A. 3460 Washington Drive, Suite 214 Eagan, Minnesota 55122 Attorney License No: 0388294 Telephone: (651) 454-2000 FAX: (651) 452-1240 Email: kdavis@sielofflaw.com 2777056 10/6-10/13/11

PUBLIC NOTICE

NOTICE OF AND ORDER FOR HEARING ON PETITION FOR FORMAL PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT Court File No.: 19HA-PR-11-570 In Re: Estate of VICKIE LYNN GRAY, Decedent. It is Ordered and Notice is given that on October 24, 2011 at 9:00 a.m., a hearing will be held in this Court at 1560 Highway 55, Hastings, MN, Minnesota, on a petition for the formal probate of an instrument purporting to be the decedent’s Will dated January 21, 2008, and for the appointment of Raquel M. Anderson, whose address is 2533 Hawthorne Lane, Stillwater, MN 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: 9/27/11 BY THE COURT David Knutson Judge of District Court Attorney for Petitioner: DUDLEY AND SMITH, P.A. Michael J. Burke (MN # 174816) 101 East Fifth Street, Suite 2602 Saint Paul, MN 55101 Telephone: 651-291-1717 Facsimile: 651-223-5055 2772631 10/6-10/13/11

PUBLIC NOTICE

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

PUBLIC NOTICE

Electronic Registration Systems, Inc. MIN#: 1000912-0006002326-8 SERVICER: Ocwen Loan Servicing, LLC LENDER: Harbourton Mortgage Investment Corporation ISAOA. DATE AND PLACE OF FILING: Dakota County Minnesota, Registrar of Title, on April 23, 2007, as Document No. 609460. ASSIGNED TO: HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP1, Asset Backed Pass-Through Certificates Dated: October 22, 2007, and recorded November 6, 2007 by Document No. 619749. LEGAL DESCRIPTION OF PROPERTY: The East One Half of Lot 15 and the West One Half of Lot 16, Westchester Heights No.1, Dakota County, Minnesota PROPERTY ADDRESS: 193 Moreland Avenue East, West Saint Paul, MN 55118 PROPERTY I.D: 42-83790-00-160 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: One Hundred Thirty Thousand One Hundred Seventy and 26/100 ($130,170.26) THAT no action or proceeding has been instituted at law to recover the debt secured by said mortgage, or any part thereof; that there has been compliance with all pre-foreclosure notice and acceleration requirements of said mortgage, and/or applicable statutes; PURSUANT, to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: 10:00 AM on October 18, 2011 PLACE OF SALE: Sheriff`s Main Office, Law Enforcement Center, 1580 Highway 55, Hastings MN 55033-2343 to pay the debt then secured by said mortgage and taxes, if any actually paid by the mortgagee, on the premises and the costs and disbursements allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is 6.00 months from the date of sale. "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR`S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 1, 2011 HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP1, Asset Backed Pass-Through Certificates Randall S. Miller & Associates, PLLC Attorneys for Assignee of Mortgage/ Mortgagee One Financial Plaza, 120 South Sixth Street, Suite 1100 Minneapolis, MN 55402 Phone: 612-573-3677 Our File No. 10MN00556-2 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR ASAP# 4075759 09/01/2011, 09/08/2011, 09/15/2011, 09/22/2011, 09/29/2011, 10/06/2011 2728146 9/1-10/6/11

PUBLIC NOTICE

DEGREES 15 MINUTES 20 SEC ONDS WEST FOR A DISTANCE OF 102.09 FEET; THENCE SOUTH 03 DEGREES 23 MINUTES 26 SECONDS WEST FOR A DISTANCE OF 42.20 FEET; THENCE SOUTH 05 DEGREES 27 MINUTES 23 SECONDS WEST FOR A DISTANCE OF 44.12 FEET PLUS OR MINUS TO THE SOUTH LINE OF SAID LOT (6) AND THERE TERMINATING. The Torrens Certificate No. is 142128 PARCEL ID #: 10-53550-065-01 P R O P E R T Y A D D R E S S : 2243 Mahogany Way, Eagan, Minnesota 55122 TRANSACTION AGENT: N/A TRANSACTION AGENT ID NO.: N/A CURRENT MORTGAGE SERVICER: Carrington Mortgage Services, Inc. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $252,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY PAID BY MORTGAGEE: $274,887.19 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; that no Mortgagors have been released from financial obligation on said Mortgage; that no action or proceeding has been instituted by law to recover that debt secured by said Mortgage, or any part thereof; that all conditions precedent to foreclose of the Mortgage and acceleration of the debt secures thereby have been fulfilled; PURSUANT to the power of sale therein contained, said Mortgage will be foreclosed and the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 20, 2011 at 10:00 am PLACE OF SALE: Dakota County Law Enforcement Center, Lobby S-100, 1580 Highway 55, Hastings, MN 55033 to pay the debt the debt then secured by the Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law, subject to redemption within six (6) months from the date of sale by the mortgagors, their personal representatives or assigns. DATE TO VACATE PROPERTY: The date on or before which the mortgagor must vacate the property if the mortgage is not reinstated under Minnesota Statutes section 580.30 of the property redeemed under Minnesota Statutes sections 580.23 is April 20, 2012 at 11:59 p.m. If the foregoing date is Saturday, Sunday, or a legal holiday, then the date to vacate is the next business day at 11:59 p.m. MORTGAGORS RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Dated: August 25, 2011 Deutsche Bank National Trust Company, as Indenture Trustee, for New Century Home Equity Loan Trust 2006-1 Mortgagee Kenneth J. Johnson Minnesota State Bar No. 0246074 Johnson, Blumberg & Associates, LLC Attorney for Mortgagee 230 W. Monroe St., Ste. 1125 Chicago, IL 60606 Phone 312-541-9710 Fax 312-541-9711 2735307 9/1-10/6/11

PUBLIC NOTICE

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

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�� SALE: �� October Property Address: 18400�� Euclid St �� DATE AND TIME OF Apt 160, Farmington, MN 55024-7136 14, 2011 at 10:00 AM Tax Parcel ID Number: PLACE OF SALE: Dakota County 14-15700-160-05 Law Enforcement Center, 1580 HighL E G A L D E S C R I P T I O N O F P R O P - way 55, Lobby S-100, Hastings, MinneERTY: Unit No. 160, Cameron Woods sota Condominium, CIC No. 269, Dakota to pay the debt secured by said mortCounty, State of Minnesota. gage and taxes, if any, on said preAMOUNT DUE AND CLAIMED TO BE mises 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 attorney fees allowed $123,145.30 by law, subject to redemption within THAT all pre-foreclosure require- six (6) months from the date of said ments have been complied with; that sale by the mortgagor(s), their perno action or proceeding has been insti- sonal representatives or assigns. tuted at law or otherwise to recover the If the Mortgage is not reinstated debt secured by said mortgage, or any under Minn. Stat. §580.30 or the proppart thereof; erty is not redeemed under Minn. Stat. PURSUANT to the power of sale con- §580.23, the Mortgagor must vacate t a i n e d i n s a i d m o r t g a g e , t h e the property on or before 11:59 p.m. on above-described property will be sold April 16, 2012, or the next business by the Sheriff of said county as fol- day if April 16, 2012 falls on a Saturlows: day, Sunday or legal holiday. DATE AND TIME OF SALE: October Mortgagor(s) released from financial 14, 2011 at 10:00 AM obligation: NONE PLACE OF SALE: Dakota County THIS COMMUNICATION IS FROM Law Enforcement Center, 1580 High- A DEBT COLLECTOR ATTEMPTway 55, Lobby S-100, Hastings, Minne- ING TO COLLECT A DEBT. ANY sota INFORMATION OBTAINED WILL BE to pay the debt secured by said mort- USED FOR THAT PURPOSE. gage and taxes, if any, on said preTHE RIGHT TO VERIFICATION OF mises and the costs and disburse- THE DEBT AND IDENTITY OF THE ments, including attorney fees allowed ORIGINAL CREDITOR WITHIN THE by law, subject to redemption within T I M E P R O V I D E D B Y L A W I S N O T six (6) months from the date of said AFFECTED BY THIS ACTION. sale by the mortgagor(s), their perTHE TIME ALLOWED BY LAW FOR sonal representatives or assigns. REDEMPTION BY THE MORTGAGOR, If the Mortgage is not reinstated THE MORTGAGOR'S PERSONAL REPunder Minn. Stat. §580.30 or the prop- RESENTATIVES OR ASSIGNS, MAY BE erty is not redeemed under Minn. Stat. REDUCED TO FIVE WEEKS IF A JUDI§580.23, the Mortgagor must vacate CIAL ORDER IS ENTERED UNDER the property on or before 11:59 p.m. on MINNESOTA STATUTES, SECTION April 16, 2012, or the next business 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G day if April 16, 2012 falls on a Satur- OTHER THINGS, THAT THE MORTday, Sunday or legal holiday. GAGED PREMISES ARE IMPROVED Mortgagor(s) released from financial WITH A RESIDENTIAL DWELLING OF obligation: NONE LESS THAN FIVE UNITS, ARE NOT THIS COMMUNICATION IS FROM PROPERTY USED IN AGRICULTURAL A DEBT COLLECTOR ATTEMPT- PRODUCTION, AND ARE ABANDONED. DATED: September 01, 2011 ING TO COLLECT A DEBT. ANY ASSIGNEE OF MORTGAGEE: INFORMATION OBTAINED WILL BE Deutsche Bank National Trust USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF Company as Trustee for GSAA THE DEBT AND IDENTITY OF THE Home Equity Trust 2006-16, ORIGINAL CREDITOR WITHIN THE Asset-Backed Certificates, Series TIME PROVIDED BY LAW IS NOT 2006-16 AFFECTED BY THIS ACTION. Wilford, Geske & Cook P.A. THE TIME ALLOWED BY LAW FOR Attorneys for Assignee of Mortgagee REDEMPTION BY THE MORTGAGOR, Lawrence A. Wilford THE MORTGAGOR'S PERSONAL REP- James A. Geske RESENTATIVES OR ASSIGNS, MAY BE 8425 Seasons Parkway, Suite 105 REDUCED TO FIVE WEEKS IF A JUDI- Woodbury, MN 55125-4393 CIAL ORDER IS ENTERED UNDER (651) 209-3300 MINNESOTA STATUTES, SECTION File Number: 013504F04 9/1-10/6/11 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G 2733313 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 PRODUCTION, AND ARE ABANDONED. default has occurred in the conditions DATED: September 01, 2011 A S S I G N E E O F M O R T G A G E E : of the following described mortgage: DATE OF MORTGAGE: June 30, 2006 Provident Funding Associates, L.P. ORIGINAL PRINCIPAL AMOUNT OF Wilford, Geske & Cook P.A. MORTGAGE: $178,000.00 Attorneys for Assignee of Mortgagee MORTGAGOR(S): Paul W. Devine, a Lawrence A. Wilford single man James A. Geske MORTGAGEE: Mortgage Electronic 8425 Seasons Parkway, Suite 105 Registration Systems, Inc. Woodbury, MN 55125-4393 DATE AND PLACE OF RECORDING: (651) 209-3300 Recorded: July 31, 2006 Dakota File Number: 002646F03 2729611 9/1-10/6/11 County Recorder Document Number: 2449470 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S Bank National Association, as Successor Trustee, to NOTICE OF MORTGAGE Bank of America, National Association 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 as successor by merger to LaSalle default has occurred in the conditions Bank National Association, as Trustee, for Ownit Mortgage Loan Trust, Ownit of the following described mortgage: DATE OF MORTGAGE: June 15, 2006 Mortgage Loan Asset-Backed CertifiORIGINAL PRINCIPAL AMOUNT OF cates, Series 2006-6 MORTGAGE: $146,993.00 Dated: July 19, 2011 MORTGAGOR(S): Giovanna Margalli, Recorded: July 22, 2011 Dakota an unmarried woman County Recorder MORTGAGEE: Mortgage Electronic Document Number: 2811059 Transaction Agent: Mortgage ElecRegistration Systems, Inc. DATE AND PLACE OF REGISTER- tronic Registration Systems, Inc. ING: Transaction Agent Mortgage IdentifiRegistered: June 27, 2006 Dakota cation Number: 100224640000546557 County Registrar of Titles Lender or Broker: Ownit Mortgage Document Number: 592976 Solutions, Inc. ASSIGNMENTS OF MORTGAGE: Residential Mortgage Servicer: LitAnd assigned to: Deutsche Bank ton Loan Servicing, LP National Trust Company as Trustee for Mortgage Originator: Not Applicable GSAA Home Equity Trust 2006-16, COUNTY IN WHICH PROPERTY IS Asset-Backed Certificates, Series LOCATED: Dakota 2006-16 Property Address: 4169 Upper 145th Dated: April 26, 2011 St W, Rosemount, MN 55068-4138 Registered: May 25, 2011 Dakota Tax Parcel ID Number: County Registrar of Titles 34-15201-01-020 LEGAL DESCRIPTION OF PROPDocument Number: T679969 Transaction Agent: Mortgage Elec- ERTY: Lot 2, Block 1, Broback Second tronic Registration Systems, Inc. Addition, Dakota County, Minnesota. Transaction Agent Mortgage IdentifiAMOUNT DUE AND CLAIMED TO BE cation Number: 100020410001204572 DUE AS OF DATE OF NOTICE: Lender or Broker: DHI Mortgage $215,937.01 Company THAT all pre-foreclosure requireResidential Mortgage Servicer: Lit- ments have been complied with; that no action or proceeding has been institon Loan Servicing, LP tuted at law or otherwise to recover the Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: debt secured by said mortgage, or any 140171 part thereof; COUNTY IN WHICH PROPERTY IS PURSUANT to the power of sale conLOCATED: Dakota tained in said mortgage, the Property Address: 17449 Gettysburg above-described property will be sold by the Sheriff of said county as folWay, Lakeville, MN 55044-4006 T a x P a r c e l I D N u m b e r : lows: 22-18604-112-15 DATE AND TIME OF SALE: October L E G A L D E S C R I P T I O N O F P R O P - 14, 2011 at 10:00 AM ERTY: Unit No. 15112, CIC No. 424, PLACE OF SALE: Dakota County Crossroads Condominiums, Dakota Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, MinneCounty, Minnesota. AMOUNT DUE AND CLAIMED TO BE sota D U E A S O F D A T E O F N O T I C E : to pay the debt secured by said mortgage and taxes, if any, on said pre$169,876.23 THAT all pre-foreclosure require- mises and the costs and disbursements have been complied with; that ments, including attorney fees allowed no action or proceeding has been insti- by law, subject to redemption within tuted at law or otherwise to recover the six (6) months from the date of said debt secured by said mortgage, or any sale by the mortgagor(s), their perpart thereof; that this is registered sonal representatives or assigns. property; If the Mortgage is not reinstated PURSUANT to the power of sale con- under Minn. Stat. §580.30 or the propt a i n e d i n s a i d m o r t g a g e , t h e erty is not redeemed under Minn. Stat. above-described property will be sold §580.23, the Mortgagor must vacate by the Sheriff of said county as fol- the property on or before 11:59 p.m. on lows: DATE AND TIME OF SALE: October ��

PUBLIC NOTICE

�� FINANCIAL�� OBLIGATION GAGE: None �� the property on or before 11:59 p.m. on April 16, 2012, or the next business day if April 16, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 01, 2011 ASSIGNEE OF MORTGAGEE: U.S Bank National Association, as Successor Trustee, to Bank of America, National Association as successor by merger to LaSalle Bank National Association, as Trustee, for Ownit Mortgage Loan Trust, Ownit Mortgage Loan Asset-Backed Certificates, Series 2006-6 Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 003277F02 2733324 9/1-10/6/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW 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 8, 2006 MORTGAGORS: Brett G. Miller and Tammy M. Miller, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: January 2, 2007 Dakota County Recorder Document #: 2485430 ASSIGNMENTS OF MORTGAGE: Said mortgage was assigned to Provident Funding Associates, L.P. on May 24, 2011 and said assignment was recorded on June 24, 2011 and given document number 2807028. LEGAL DESCRIPTION OF PROPERTY: LOT 11, BLOCK 2, TAMARACK RIDGE, DAKOTA COUNTY, MINNESOTA. PARCEL ID #: 14-74900-02-110 PROPERTY ADDRESS: 20527 Camden Crt, Farmington, Minnesota 55024 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT ID NO.: 1000179-3516110036-3 CURRENT MORTGAGE SERVICER: Provident Funding, L.P. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $236,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY PAID BY MORTGAGEE: $237,764.93 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; that no Mortgagors have been released from financial obligation on said Mortgage; that no action or proceeding has been instituted by law to recover that debt secured by said Mortgage, or any part thereof; that all conditions precedent to foreclose of the Mortgage and acceleration of the debt secures thereby have been fulfilled; PURSUANT to the power of sale therein contained, said Mortgage will be foreclosed and the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 20, 2011 at 10:00 am PLACE OF SALE: Dakota County Law Enforcement Center, Lobby S-100, 1580 Highway 55, Hastings, MN 55033 to pay the debt the debt then secured by the Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law, subject to redemption within six (6) months from the date of sale by the mortgagors, their personal representatives or assigns. DATE TO VACATE PROPERTY: The date on or before which the mortgagor must vacate the property if the mortgage is not reinstated under Minnesota Statutes section 580.30 of the property redeemed under Minnesota Statutes sections 580.23 is April 20, 2012 at 11:59 p.m. If the foregoing date is Saturday, Sunday, or a legal holiday, then the date to vacate is the next business day at 11:59 p.m. MORTGAGORS RELEASED FROM FINANCIAL OBLIGATION ON MORT-

ON MORT

THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Dated: August 25, 2011 Provident Funding Associates, L.P. Mortgagee Kenneth J. Johnson Minnesota State Bar No. 0246074 Johnson, Blumberg & Associates, LLC Attorney for Mortgagee 230 W. Monroe St., Ste. 1125 Chicago, IL 60606 Phone 312-541-9710 Fax 312-541-9711 2735408 9/1-10/6/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW 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, 2006 MORTGAGORS: David A. Simmons and Tara L. Simmons, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: March 14, 2006 Dakota County Recorder Document #: 2412334 ASSIGNMENTS OF MORTGAGE: Said mortgage was assigned to Wells Fargo Bank, N.A., as Trustee for Carrington Mortgage Loan Trust, Series 2006-RFC1, Asset-Backed Pass Through Certificates on May 19, 2011 and said assignment was recorded on May 26, 2011 and given document number 2802657. LEGAL DESCRIPTION OF PROPERTY: LOT 10, BLOCK 3, GOLDEN POND FIRST ADDITION, DAKOTA COUNTY, MINNESOTA. PARCEL ID #: 22-30800-03-100 P R O P E R T Y A D D R E S S : 21115 Hummingbird Lane, Lakeville, Minnesota 55044 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT ID NO.: 100062604270706858 CURRENT MORTGAGE SERVICER: Carrington Mortgage Services, Inc. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $400,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY PAID BY MORTGAGEE: $425,038.58 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 Mortgagors have been released from financial obligation on said Mortgage; that no action or proceeding has been instituted by law to recover that debt secured by said Mortgage, or any part thereof; that all conditions precedent to foreclose of the Mortgage and acceleration of the debt secures thereby have been fulfilled; PURSUANT to the power of sale therein contained, said Mortgage will be foreclosed and the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 20, 2011 at 10:00 am PLACE OF SALE: Dakota County Law Enforcement Center, Lobby S-100, 1580 Highway 55, Hastings, MN 55033 to pay the debt the debt then secured by the Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law, subject to redemption within six (6) months from the date of sale by the mortgagors, their personal representatives or assigns. DATE TO VACATE PROPERTY: The date on or before which the mortgagor must vacate the property if the mortgage is not reinstated under Minnesota Statutes section 580.30 of the property redeemed under Minnesota Statutes sections 580.23 is April 20, 2012 at 11:59 p.m. If the foregoing date is Saturday, Sunday, or a legal holiday, then the date to vacate is the next business day at 11:59 p.m. MORTGAGORS RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED.

PRODUCTION, AND ARE ABANDONED. THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Dated: August 25, 2011 Wells Fargo Bank, N.A., as Trustee for Carrington Mortgage Loan Trust, Series 2006-RFC1, AssetBacked Pass Through Certificates Mortgagee Kenneth J. Johnson Minnesota State Bar No. 0246074 Johnson, Blumberg & Associates, LLC Attorney for Mortgagee 230 W. Monroe St., Ste. 1125 Chicago, IL 60606 Phone 312-541-9710 Fax 312-541-9711 2735436 9/1-10/6/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: S e p t e m b e r 23, 1999 MORTGAGOR: L i n d a M. S h e v i k , A Single Person. MORTGAGEE: E d i n a R e a l t y M o r t gage, LLC. DATE AND PLACE OF RECORDING: Recorded November 15, 1999, Dakota County Recorder, Document No. 1652866. ASSIGNMENTS OF MORTGAGE: Assigned to: Norwest Mortgage, Inc. And thereafter assigned to: The Leader Mortgage Company N/K/A U.S. Bank National Association. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Edina Realty Mortgage, LLC RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 7757 157th Street West, Apple Valley, MN 55124 TAX PARCEL I.D. #: 014910106040 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 6, Morningview second addition, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $90,440.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $78,485.51 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 18, 2011 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 18, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 26, 2011. U.S. Bank National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-2853 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2772505 10/6-11/10/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J a n u a r y 5 , 2007 MORTGAGOR: Miguel Angel Salinas, a single person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc.. DATE AND PLACE OF RECORDING: Recorded January 17, 2007, Dakota County Recorder, Document No. 2488627. ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank National Association, as Trustee for BNC Mortgage Loan Trust 2007-2. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100122200003001077 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: BNC Mortgage,Inc. RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 3770 Greensboro Drive, Eagan, MN 55123 TAX PARCEL I.D. #: 10-30900-010-03 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 3, Greensboro 1st Addition, Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $225,600.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $290,803.79 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 1, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 1, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 27, 2011. U.S. Bank, National Association, as Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 75-3363 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2777240 10/6-11/10/11

PUBLIC NOTICE

County Recorder, Document No. 2012535. 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: U.S. Bank, National Association RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 17224 Idlewood Way, Lakeville, MN 55044 TAX PARCEL I.D. #: 223330212002 LEGAL DESCRIPTION OF PROPERTY: Lot 12, Block 2, Homestead Creek Third Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $211,350.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $223,900.73 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 13, 2011 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on April 13, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: August 22, 2011. U.S. Bank, National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-1194 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2733203 9/1-10/6/11

PUBLIC NOTICE

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $141,300.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $133,263.38 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 20, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on _April 20, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: August 26, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-6341 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2735093 9/1-10/6/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 30, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $269,600.00 MORTGAGOR(S): Roger W. Thompson and Lori J. Thompson, Husband and Wife MORTGAGEE: First Franklin, a division of Nat. City Bank of IN DATE AND PLACE OF RECORDING: Recorded: July 21, 2005 Dakota County Recorder Document Number: 2342771 ASSIGNMENTS OF MORTGAGE: And assigned to: First Franklin Financial Corporation Dated: December 01, 2005 Recorded: February 06, 2006 Dakota County Recorder Document Number: 2403531 And assigned to: PNC Bank National Association Dated: August 05, 2011 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: First Franklin, 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: 1005 Trillium Ct, Eagan, MN 55123-3991 Tax Parcel ID Number: 10-45094-01-110 LEGAL DESCRIPTION OF PROPERTY: Lot 11, Block 1, Lexington Pointe Tenth Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $264,553.25 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: October 14, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said pre-

��

gage and taxes, if any, on said pre mises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 16, 2012, or the next business day if April 16, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 01, 2011 ASSIGNEE OF MORTGAGEE: PNC Bank National Association Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021635F01 2733305 9/1-10/6/11

PUBLIC NOTICE

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

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 04, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $208,000.00 MORTGAGOR(S): Kristina Marie Avery, a married person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: December 09, 2004 Dakota County Registrar of Titles Document Number: 553906 ASSIGNMENTS OF MORTGAGE: And assigned to: The Bank Of New York Mellon, FKA The Bank Of New York as Trustee For The Benefit Of The Certificate Holders Of The CWALT, Inc., Alternative Loan Trust 2004-27CB, Mortgage Pass Through Certificates, Series 2004-27CB Dated: July 11, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700042567178 Lender or Broker: America's Wholesale Lender Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 142947 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 3191 71st St E, Inver Grove Heights, MN 55076-2550 Tax Parcel ID Number: 20-71157-01-210 LEGAL DESCRIPTION OF PROPERTY: Lot Twenty-One (21) in Block One (1) of South Grove No. 8, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $144,521.19 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 14, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 16, 2012, or the next business day if April 16, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 01, 2011

DATED: September 01, 2011 ASSIGNEE OF MORTGAGEE: The Bank Of New York Mellon, FKA The Bank Of New York as Trustee For The Benefit Of The Certificate Holders Of The CWALT, Inc., Alternative Loan Trust 2004-27CB, Mortgage Pass Through Certificates, Series 2004-27CB Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021351F01 2734290 9/1-10/6/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 16, 2008 MORTGAGORS: David C. Wilson and Beverly J. Wilson, husband and wife. MORTGAGEE: Mortgage Electronic Registration Systems, Inc.. DATE AND PLACE OF RECORDING: Registered May 21, 2008, Dakota County Registrar of Titles, Document No. 628356, Certificate of Title No. 144775. ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank National Association. Said Mortgage being Registered Land. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100021278845638472 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: U.S. Bank National Association RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 12501 Nicollet Avenue Unit 101, Burnsville, MN 55337 TAX PARCEL I.D. #: 029063005101 LEGAL DESCRIPTION OF PROPERTY: Unit No. 101 CIC No. 572, Park Crest on Nicollet, A Common Interest Community, Located in the County of Dakota, State of Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $192,943.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $197,069.92 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 22, 2011 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 22, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 26, 2011. U.S. Bank National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-2917 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2772526 10/6-11/10/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 26, 2003 MORTGAGOR: Gayla E. Sivertson, A Single Person. MORTGAGEE: U.S. Bank National Association. DATE AND PLACE OF RECORDING: Registered January 9, 2004, Dakota County Registrar of Titles, Document No. 0527007, Certificate of Title No. 130548. ASSIGNMENTS OF MORTGAGE: NONE Said Mortgage being Registered Land. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: U.S. Bank National Association RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 19666 Meadowlark Way, #3, Farmington, MN 55024 TAX PARCEL I.D. #: 148250108243 LEGAL DESCRIPTION OF PROPERTY: Unit No. 243, 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: $165,300.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $162,088.68 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: November 18, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 18, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 26, 2011. U.S. Bank National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-2851 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2772456 10/6-11/10/11

PUBLIC NOTICE

��

�� ING TAXES, IF ANY, �� PAID BY MORT Registration Systems, Inc. as nominee �� GAGEE: $91,920.49 for Paragon Home Lending, LLC That prior to the commencement of TRANSACTION AGENT: Mortgage this mortgage foreclosure proceeding Electronic Registration Systems, Inc. Mortgagee/Assignee of Mortgagee comMIN#: 100200700000487968 SERVICER: Ocwen Loan Servicing, plied with all notice requirements as required by statute; That no action or LLC LENDER: Paragon Home Lending, proceeding has been instituted at law or otherwise to recover the debt LLC. D A T E A N D P L A C E O F F I L I N G : secured by said mortgage, or any part Dakota County Minnesota, Recorder, thereof; PURSUANT to the power of sale conon June 24, 2005, as Document No. tained in said mortgage, the above 2333813. ASSIGNED TO: HSBC Bank USA, described property will be sold by the N.A., as Trustee for the registered Sheriff of said county as follows: DATE AND TIME OF SALE: October holders of ACE Securities Corp. Home Equity Loan Trust, Series 2005-ASAP1, 20, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Asset Backed Pass-Through Certific a t e s D a t e d : M a y 2 0 , 2 0 1 0 , a n d Law Enforcement Center, 1580 Hwy recorded June 21, 2010 by Document 55, Lobby #S-100, Hastings, MN No. 2736539. 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: Unit Number 1207, Tamarack premises, and the costs and disburseRidge Carriage Homes, Common Inter- 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 est Community Number 294, a Con- allowed by law subject to redemption dominium located in Dakota County, within six (6) months from the date of said sale by the mortgagor(s), their Minnesota PROPERTY ADDRESS: 726 Tama- personal representatives or assigns rack Trail, Farmington, MN 55024 unless reduced to Five (5) weeks under MN Stat. §580.07. PROPERTY I.D: 147490206207 COUNTY IN WHICH PROPERTY IS TIME AND DATE TO VACATE PROPERTY: If the real estate is an LOCATED: Dakota THE AMOUNT CLAIMED TO BE DUE owner-occupied, single-family dwellON THE MORTGAGE ON THE DATE OF ing, unless otherwise provided by law, T H E N O T I C E : O n e H u n d r e d the date on or before which the mortThirty-Seven Thousand One Hundred gagor(s) must vacate the property if the mortgage is not reinstated under secEighty and 52/100 ($137,180.52) THAT no action or proceeding has tion 580.30 or the property is not been instituted at law to recover the redeemed under section 580.23 is debt secured by said mortgage, or any 11:59 p.m. on April 20, 2012, unless part thereof; that there has been com- the redemption period is reduced to 5 pliance with all pre-foreclosure notice weeks under MN Stat. Secs. 580.07 or and acceleration requirements of said 582.032. mortgage, and/or applicable statutes; MORTGAGOR(S) RELEASED FROM PURSUANT, to the power of sale con- FINANCIAL OBLIGATION ON MORTtained in said mortgage, the above GAGE: None described property will be sold by the "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, Sheriff of said county as follows: DATE AND TIME OF SALE: 10:00 AM THE MORTGAGOR'S PERSONAL REPon October 18, 2011 RESENTATIVES OR ASSIGNS, MAY BE PLACE OF SALE: Sheriff`s Mai n REDUCED TO FIVE WEEKS IF A JUDIOffice, Law Enforcement Center, 1580 CIAL ORDER IS ENTERED UNDER Highway 55, Hastings MN 55033-2343 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 actually OTHER THINGS, THAT THE MORTpaid by the mortgagee, on the pre- GAGED PREMISES ARE IMPROVED mises and the costs and disburse- WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT ments allowed by law. The time allowed by law for redemp- PROPERTY USED IN AGRICULTURAL tion by said mortgagor(s), their per- P R O D U C T I O N , A N D A R E sonal representatives or assigns is ABANDONED." Dated: August 24, 2011. 6.00 months from the date of sale. U.S. Bank, National Association "THE TIME ALLOWED BY LAW FOR Mortgagee/Assignee of Mortgagee REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR`S PERSONAL REP- USSET, WEINGARDEN AND LIEBO, P.L.L.P. RESENTATIVES OR ASSIGNS, MAY BE Attorneys for Mortgagee/Assignee of REDUCED TO FIVE WEEKS IF A JUDI- Mortgagee CIAL ORDER IS ENTERED UNDER 4500 Park Glen Road #300 MINNESOTA STATUTES, SECTION Minneapolis, MN 55416 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G (952) 925-6888 19-2837 OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED THIS IS A COMMUNICATION FROM WITH A RESIDENTIAL DWELLING OF A DEBT COLLECTOR. 9/1-10/6/11 LESS THAN FIVE UNITS, ARE NOT 2734195 PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." NOTICE OF MORTGAGE Dated: September 1, 2011 FORECLOSURE SALE HSBC Bank USA, N.A., as Trustee NOTICE IS HEREBY GIVEN that for the registered holders of ACE default has occurred in the conditions Securities Corp. Home Equity of the following described mortgage: Loan Trust, Series 2005-ASAP1, DATE OF MORTGAGE: September Asset Backed Pass-Through 27, 2006 Certificates ORIGINAL PRINCIPAL AMOUNT OF Randall S. Miller & Associates, PLLC Attorneys for Assignee of Mortgage/ MORTGAGE: $338,000.00 MORTGAGOR(S): Joseph Adams and Mortgagee Barbara Adams, Husband and Wife One Financial Plaza, MORTGAGEE: Mortgage Electronic 120 South Sixth Street, Suite 1100 Registration Systems, Inc., as nomiMinneapolis, MN 55402 nee for Winstar Mortgage Partners, Inc Phone: 612-573-3677 DATE AND PLACE OF RECORDING: Our File No. 10MN00278-2 Recorded: November 21, 2006 THIS IS A COMMUNICATION FROM Dakota County Recorder A DEBT COLLECTOR. Document Number: 2476903 ASAP# 4075100 09/01/2011, ASSIGNMENTS OF MORTGAGE: 09/08/2011, 09/15/2011, 09/22/2011, And assigned to: Central Mortgage 09/29/2011, 10/06/2011 2726973 9/1-10/6/11 Company Dated: August 19, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage IdentifiNOTICE OF MORTGAGE cation Number: 100285700000201078 FORECLOSURE SALE Lender or Broker: Winstar Mortgage THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF Partners, Inc Residential Mortgage Servicer: CenTHE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS tral Mortgage Company Mortgage Originator: Not Applicable NOT AFFECTED BY THIS ACTION. COUNTY IN WHICH PROPERTY IS NOTICE IS HEREBY GIVEN, that default has occurred in conditions of LOCATED: Dakota the following described mortgage: Property Address: 17799 Hickory Trl, DATE OF MORTGAGE: December 23, Lakeville, MN 55044-6606 2002 Tax Parcel ID Number: MORTGAGOR: Brenda Lee Melin, A 22-88508-01-010 Single Person. LEGAL DESCRIPTION OF PROPMORTGAGEE: U.S. Bank, National ERTY: Lot 1, Block 1, Zweber Farm Ninth, Dakota County, Minnesota Association. AMOUNT DUE AND CLAIMED TO BE DATE AND PLACE OF RECORDING: Recorded February 20, 2003, Dakota D U E A S O F D A T E O F N O T I C E : C o u n t y R e c o r d e r , D o c u m e n t N o . $335,091.09 THAT all pre-foreclosure require2003054. A S S I G N M E N T S O F M O R T G A G E : ments have been complied with; that no action or proceeding has been instiNONE tuted at law or otherwise to recover the TRANSACTION AGENT: NONE T R A N S A C T I O N A G E N T ' S M O R T - debt secured by said mortgage, or any GAGE IDENTIFICATION NUMBER ON part thereof; PURSUANT to the power of sale conMORTGAGE: NONE LENDER OR BROKER AND MORT- t a i n e d i n s a i d m o r t g a g e , t h e G A G E O R I G I N A T O R S T A T E D O N above-described property will be sold M O R T G A G E : U . S . B a n k , N a t i o n a l by the Sheriff of said county as follows: Association DATE AND TIME OF SALE: October RESIDENTIAL MORTGAGE SER14, 2011 at 10:00 AM VICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: PLACE OF SALE: Dakota County 538 Third Street West, Hastings, MN Law Enforcement Center, 1580 High55033 way 55, Lobby S-100, Hastings, Minnesota TAX PARCEL I.D. #: 191050014100 LEGAL DESCRIPTION OF PROP- to pay the debt secured by said mortERTY: gage and taxes, if any, on said preThe East 1/2 of Lot 9 and the West mises and the costs and disburse56 Feet of Lot 10, Block 14, Addition ments, including attorney fees allowed No. Thirteen to the City of Hastings. 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: $100,000.00 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, INCLUDING TAXES, IF ANY, PAID BY MORT- ��

PUBLIC NOTICE

�� THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, �� under Minn. Stat. §580.30 or the prop erty is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 16, 2012, or the next business day if April 16, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 01, 2011 ASSIGNEE OF MORTGAGEE: Central Mortgage Company Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021770F01 2734244 9/1-10/6/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: December 16, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $160,812.00 MORTGAGOR(S): Kasey Rice, an Unmarried Man MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: March 02, 2006 Dakota County Recorder Document Number: 2409717 LOAN MODIFICATION: Dated: March 01, 2008 Recorded: August 14, 2008 Document Number: 2608171 ASSIGNMENTS OF MORTGAGE: And assigned to: Bank of America, National Association as successor by merger to LaSalle Bank National Association, as trustee under the Pooling and Servicing Agreement dated as of May 1, 2006, GSAMP Trust 2006-HE3 Dated: May 11, 2011 Recorded: May 17, 2011 Dakota County Recorder Document Number: 2800991 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100175200002858150 Lender or Broker: MILA, Inc. Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 633 10th Ave N, South Saint Paul, MN 55075-1616 Tax Parcel ID Number: 36-70207-05-240 LEGAL DESCRIPTION OF PROPERTY: Lot 24, Block 5, South Park Division No. 8, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $184,882.38 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 14, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 16, 2012, or the next business day if April 16, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR

THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 01, 2011 ASSIGNEE OF MORTGAGEE: Bank of America, National Association as successor by merger to LaSalle Bank National Association, as trustee under the Pooling and Servicing Agreement dated as of May 1, 2006, GSAMP Trust 2006-HE3 Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 017058F02 2734249 9/1-10/6/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 28, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $257,000.00 MORTGAGOR(S): Tim Langlais and Susan Loprete Langlais, Husband and Wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for Countrywide Home Loans, Inc, its successors and assigns DATE AND PLACE OF REGISTERING: Registered: August 22, 2005 Dakota County Registrar of Titles Document Number: 572732 ASSIGNMENTS OF MORTGAGE: And assigned to: Bank of New York as Trustee for the Certificateholders CWABS Inc. Asset-Backed Certificates Series 2005-12 Dated: May 23, 2008 Registered: June 03, 2008 Dakota County Registrar of Titles Document Number: T628763 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700048047746 Lender or Broker: Countrywide Home Loans, Inc Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 118039 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 16825 Kenmore Dr, Lakeville, MN 55044-8976 Tax Parcel ID Number: 22-37951-040-03 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 3, Jackson Heights Second Addition, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $332,712.31 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 14, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 16, 2012, or the next business day if April 16, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 01, 2011

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

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 28, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $125,120.00 MORTGAGOR(S): Edward J. McLellan, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for First Franklin, a division of National City Bank DATE AND PLACE OF RECORDING: Recorded: September 12, 2006 Dakota County Recorder Document Number: 2460180 AND CORRECTIVE MORTGAGE RECORDING: May 15, 2009 Dakota County Recorder Document Number: 2657189 ASSIGNMENTS OF MORTGAGE: And assigned to: Wells Fargo Bank, National Association, As Trustee For The Holders Of The First Franklin Mortgage Loan Trust 2006-FF15 Mortgage Pass-Through Certificates, Series 2006-FF15 Dated: August 29, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100425240009732212 Lender or Broker: First Franklin, a division of National City Bank Residential Mortgage Servicer: Select Portfolio Servicing Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 7625 Whitney Dr, Apple Valley, MN 55124-5403 Tax Parcel ID Number: 01-77000-05-010 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 5, Townhouse Fourth Addition, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $127,458.19 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 28, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 30, 2012, or the next business day if April 30, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 15, 2011 ASSIGNEE OF MORTGAGEE: Wells Fargo Bank, National Association, As Trustee For The Holders Of The First Franklin Mortgage Loan Trust 2006-FF15 Mortgage Pass-Through Certificates, Series 2006-FF15 Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 022005F01 2746430 9/15-10/20/11

PUBLIC NOTICE

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

PUBLIC NOTICE

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 06, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $210,400.00 MORTGAGOR(S): Alice G. Maxwell a single person and Preston H. Maxwell II, a single person MORTGAGEE: Anchor Bank Farmington, N.A. DATE AND PLACE OF RECORDING: Recorded: April 19, 2007 Dakota County Recorder Document Number: 2510842 ASSIGNMENTS OF MORTGAGE: And assigned to: Mortgage Electronic Registration Systems, Inc. Dated: April 06, 2007 Recorded: April 19, 2007 Dakota County Recorder Document Number: 2510843

Document Number: 2510843 And assigned to: GMAC Mortgage, LLC Dated: August 11, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1000375-0601782202-5 Lender or Broker: Anchor Bank Farmington, N.A. Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 600 10th St, Farmington, MN 55024-1732 Tax Parcel ID Number: 14-22500-04-050 LEGAL DESCRIPTION OF PROPERTY: Lot 5, Block 4, East Farmington First Addition, according to the recorded plat thereof, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $204,658.41 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 21, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 23, 2012, or the next business day if April 23, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 08, 2011 ASSIGNEE OF MORTGAGEE: GMAC Mortgage, LLC Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021844F01 2741145 9/8-10/13/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: November 09, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $360,000.00 MORTGAGOR(S): Larry D. Klemetson and Luann M. Klemetson, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for Countrywide Bank, N.A. DATE AND PLACE OF RECORDING: Recorded: December 06, 2005 Dakota County Recorder Document Number: 2386481 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, LP Dated: August 24, 2009 Recorded: September 14, 2009 Dakota County Recorder Document Number: 2684079 And assigned to: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWALT, INC., ALTERNATIVE LOAN TRUST 2005-81, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2005-81 Dated: September 08, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1001337-0001047972-6 Lender or Broker: Countrywide Bank, N.A. Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 11749 Arnold Ave, Inver Grove Heights, MN 55077-5701 Tax Parcel ID Number:

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

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE Date: September 12, 2011 YOU ARE NOTIFIED THAT: 1. Default has occurred in the conditions of that certain Mortgage dated September 16, 2005, executed by Joe Miller Farms, Inc., a Minnesota corporation, as Grantor, to Anchor Bank, N.A., a national banking association, successor by merger to Anchor Bank, West St. Paul N.A., as Lender, and filed f o r record September 27, 2005 as Document Number 2364905 in the Office of the County Recorder of Dakota County, Minnesota. The land described in the Mortgage is not registered land. 2. T h e M o r t g a g e h a s n o t b e e n assigned. 3. The original principal amount secured by the Mortgage was $1,210,000.00. 4. No action or proceeding at law is now pending to recover the debt secured by the Mortgage, or any part thereof. 5. The holder of the Mortgage has complied with all conditions precedent to acceleration of the debt secured by the Mortgage and foreclosure of the Mortgage, and all notice and other requirements of applicable statutes. 6. A t t h e d a t e o f t h i s n o t i c e t h e amount due on the Mortgage, and taxes, paid by the holder of the Mortgage is $1,143,917.30. 7. Pursuant to the power of sale in the Mortgage, the Mortgage will be foreclosed, and the land described as follows: T h a t p a r t o f t h e N o r t h 1⁄2 o f t h e Northwest 1⁄4 of Section 20, Township 114, Range 20, Dakota County, Minnesota, except the North 880.00 feet, that lies Easterly of the following described line: Commencing at a point on the North line of said N o r t h w e s t 1⁄4 , s a i d p o i n t b e i n g 1416.73 feet Easterly of the Northwest corner of said Northwest 1⁄4 (the north line of said Northwest 1⁄4 has an assumed bearing of South 89 degrees 49 minutes 39 seconds East); thence South 8 degrees 02 minutes 06 seconds East a distance

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minutes 06 seconds East a distance of 377.77 feet; thence deflecting to the right of a tangential curve, concave to the West, having a central angle of 9 degrees 51 minutes 38 seconds, a radius of 2949.18 feet and a length of 506.93 feet to the South line of said 880.00 feet and to the actual point of beginning; thence continuing on said tangential curve, concave to the West, having a central angle of 1 degree 45 minutes 21 seconds, a radius of 2949.18 feet and a length of 90.39 feet; thence South 3 degrees 34 minutes 54 seconds West a distance of 350.26 feet to the South line of said North 1⁄2 of the Northwest 1⁄4 and there terminating. AND The South 1⁄4 of the Northwest 1⁄4 of t h e S o u t h w e s t 1⁄4 o f S e c t i o n 1 6 , Township 114, Range 20, Dakota County, Minnesota. TOGETHER WITH all existing or subsequently erected or affixed buildings, improvements and fixtures; all easements, rights of way, and appurtenances; all water, water rights, watercourses and ditch rights (including stock in utilities with ditch or irrigations rights); and all other rights, royalties, and profits relating to the real property, including without limitation all minerals, oil, gas, geothermal and similar matters, will be sold by the Sheriff of Dakota County, Minnesota, at public auction on Wednesday, November 2, 2011 at 10:00 a.m., at the Law Enforcement Center, 1580 Highway 55, Hastings, Minnesota 55033. 8. T h e t i m e a l l o w e d b y l a w f o r redemption by Grantor or Grantor's personal representatives or assigns is twelve (12) months after the date of sale. 9. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE GRANTOR, THE GRANTOR'S PERSONAL REPRESENTATIVES OR ASSIGNS MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. 10. T H I S C O M M U N I C A T I O N I S FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 11. RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. Anchor Bank, N.A. By Scott Sousek Its Senior Vice President Lender Attorney for Lender: James F. Christoffel Christoffel & Elliott, P.A. 1111 UBS Plaza 444 Cedar Street St. Paul, Minnesota 55101-2129 2751373 9/15-10/20/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 20, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $141,000.00 MORTGAGOR(S): Marilyn F. Melchior, a single individual MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for American Equity Mortgage, Inc., its successors and assigns DATE AND PLACE OF REGISTERING: Registered: June 29, 2007 Dakota County Registrar of Titles Document Number: 613450 ASSIGNMENTS OF MORTGAGE: And assigned to: The Bank Of New York Mellon FKA The Bank Of New York, as Trustee For The Certificateholders Of The CWABS, Inc., Asset-Backed Certificates, Series 2007-13 Dated: June 20, 2011 Registered: June 28, 2011 Dakota County Registrar of Titles Document Number: T681265 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100267400006287864 Lender or Broker: American Equity Mortgage, Inc. Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 82426 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 3285 149th St W, Rosemount, MN 55068-4337 Tax Parcel ID Number: 34-62856-03-080 LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 3, Rahn's Seventh Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $156,880.79 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered

part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 28, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 30, 2012, or the next business day if April 30, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 15, 2011 ASSIGNEE OF MORTGAGEE: The Bank Of New York Mellon FKA The Bank Of New York, as Trustee For The Certificateholders Of The CWABS, Inc., Asset-Backed Certificates, Series 2007-13 Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 022151F01 2749791 9/15-10/20/11

PUBLIC NOTICE

allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on April 30, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: August 31, 2011. U.S. Bank National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-2842 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2749358 9/15-10/20/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE Date: September 12, 2011 YOU ARE NOTIFIED THAT: 1. Default has occurred in the conditions of that certain Mortgage dated September 30, 2005, executed by Joe Miller Farms, Inc., a Minnesota corporation, as Grantor, to Anchor Bank, N.A., a national banking association, successor by merger to Anchor Bank, West St. Paul N.A., as Lender, and filed for record October 26, 2005 as Document Number 2374774 in the Office of the County Recorder of Dakota County, Minnesota. The land described in the Mortgage is not registered land. 2. T h e M o r t g a g e h a s n o t b e e n assigned. 3. The original principal amount secured by the Mortgage was $780,000.00. 4. No action or proceeding at law is now pending to recover the debt secured by the Mortgage, or any part thereof. 5. The holder of the Mortgage has complied with all conditions precedent to acceleration of the debt secured by the Mortgage and foreclosure of the Mortgage, and all notice and other requirements of applicable statutes. 6. A t t h e d a t e o f t h i s n o t i c e t h e amount due on the Mortgage, and taxes, paid by the holder of the Mortgage is $722,717.71. 7. Pursuant to the power of sale in the Mortgage, the Mortgage will be foreclosed, and the land described as follows: The South 349.98 feet of the North 1,172.94 feet of that part of the Northeast Quarter (NE 1⁄4) of Southwest Quarter (SW 1⁄4) lying East of the centerline of Dodd Road (County Highway No. 9) in Section Seventeen (17) Township One-Hundred Fourteen (114) Range Twenty (20) according to the Government survey thereof, Dakota County, Minnesota, TOGETHER WITH all existing or subsequently erected or affixed buildings, improvements and fixtures; all easements, rights of way, and appurtenances; all water, water rights, watercourses and ditch rights (including stock in utilities with ditch or irrigations rights); and all other rights, royalties, and profits relating to the real property, including without limitation all minerals, oil, gas, geothermal and similar matters, will be sold by the Sheriff of Dakota County, Minnesota, at public auction on Wednesday, November 2, 2011 at 10:00 a.m., at the Law Enforcement Center, 1580 Highway 55, Hastings, Minnesota 55033. 8. T h e t i m e a l l o w e d b y l a w f o r redemption by Grantor or Grantor's personal representatives or assigns is twelve (12) months after the date of sale. 9. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE GRANTOR, THE GRANTOR'S PERSONAL REPRESENTATIVES OR ASSIGNS MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. 10. T H I S C O M M U N I C A T I O N I S FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR

OBTAINED WILL BE USED FOR THAT PURPOSE. 11. RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. Anchor Bank, N.A. By Scott Sousek Its Senior Vice President Lender Attorney for Lender: James F. Christoffel Christoffel & Elliott, P.A. 1111 UBS Plaza 444 Cedar Street St. Paul, Minnesota 55101-2129 2751358 9/15-10/20/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: July 17, 2008 MORTGAGOR: Cheryl Kristine Stolz, a single person. MORTGAGEE: TruStone Financial Federal Credit Union F/K/A Teacher Federal Credit Union. DATE AND PLACE OF RECORDING: Registered July 24, 2008, Dakota County Registrar of Titles, Document No. T631129, Certificate of Title No. 134774. 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: TruStone Financial Federal Credit Union F/K/A Teacher Federal Credit Union RESIDENTIAL MORTGAGE SERVICER: TruStone Financial Federal Credit Union MORTGAGED PROPERTY ADDRESS: 1111 Sibley Memorial Highway, #4B, Lilydale, MN 55118 TAX PARCEL I.D. #: 241350004042 LEGAL DESCRIPTION OF PROPERTY: Unit No. 4B, CIC No. 90, River Pointe Condominium, a Condominium, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $161,600.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $164,242.27 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 22, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 22, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 27, 2011. TruStone Financial Federal Credit Union Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-2459 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2777399 10/6-11/10/11

�� ASSIGNM E N T S O�� F M O R T G�� AGE:

PUBLIC NOTICE

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

PUBLIC NOTICE

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

PUBLIC NOTICE

��

�� proceeding has been insti no action or tuted at law or otherwise to recover the �� RESIDENTIAL MORTGAGE SER VICER: Bank of America, N.A. MORTGAGED PROPERTY ADDRESS: 20631 East Oaks Drive, Farmington, MN 55024 TAX PARCEL I.D. #: 144876201050 LEGAL DESCRIPTION OF PROPERTY: Lot 5, Block 1, Middle Creek East 3rd Addition, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $322,619.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $415,752.24 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: November 3, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 3, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 7, 2011. The Bank of New York Mellon, as Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-1149 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2751937 9/15-10/20/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: January 09, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $185,000.00 MORTGAGOR(S): James H. Warrington, a single man MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for Countrywide Bank, N.A., its successors and assigns DATE AND PLACE OF RECORDING: Recorded: February 07, 2006 Dakota County Recorder Document Number: 2403916 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC HOME LOANS SERVICING, LP, FKA COUNTRYWIDE HOME LOANS SERVICING, LP Dated: May 05, 2011 Recorded: June 13, 2011 Dakota County Recorder Document Number: 2805147 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1001337-0001145294-6 Lender or Broker: Countrywide Bank, N.A. Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1710 Riverwood Dr, Burnsville, MN 55337-1396 Tax Parcel ID Number: 02.37428.02.149 LEGAL DESCRIPTION OF PROPERTY: Unit 149, CIC No. 185, Itokah Valley Townhomes, a Condominium, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $196,352.11 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been insti-

debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 28, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 30, 2012, or the next business day if April 30, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 15, 2011 ASSIGNEE OF MORTGAGEE: BANK OF AMERICA, N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP, FKA COUNTRYWIDE HOME LOANS SERVICING, LP Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 022097F01 2749807 9/15-10/20/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 03, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $86,438.00 MORTGAGOR(S): Gregory J. Brown, an unmarried man MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for America's Wholesale Lender, its successors and assigns DATE AND PLACE OF RECORDING: Recorded: October 23, 2006 Dakota County Recorder Document Number: 2470337 ASSIGNMENTS OF MORTGAGE: And assigned to: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF THE CWABS, INC., ASSET-BACKED CERTIFICATES, SERIES 2006-20 Dated: June 13, 2011 Recorded: June 24, 2011 Dakota County Recorder Document Number: 2806953 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1000157-0007338364-4 Lender or Broker: America's Wholesale Lender Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 14115 Pennock Ave Apt 204, Apple Valley, MN 55124-6789 Tax Parcel ID Number: 01.16405.02.012 LEGAL DESCRIPTION OF PROPERTY: Unit 204, Nottingham Condominium, Dakota County, Minnesota, Condominium File No. 49. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $87,984.18 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 28, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disburse-

mises and the costs and disburse ments, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 30, 2012, or the next business day if April 30, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 15, 2011 ASSIGNEE OF MORTGAGEE: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF THE CWABS, INC., ASSET-BACKED CERTIFICATES, SERIES 2006-20 Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021592F02 2749322 9/15-10/20/11

PUBLIC NOTICE

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 2, 2011. U.S. Bank National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-2544 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2750376 9/15-10/20/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 12, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $257,900.00 MORTGAGOR(S): Souraphanh Keomanyvong and Bangon Keomanyvong, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 30, 2007 Dakota County Recorder Document Number: 2553497 ASSIGNMENTS OF MORTGAGE: And assigned to: Nationstar Mortgage, LLC Dated: September 02, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100052550168550993 Lender or Broker: CSMC Inc., DBA Central States Mortgage Residential Mortgage Servicer: Nationstar Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 308 12th St, Farmington, MN 55024-1806 Tax Parcel ID Number: 14-22508-01-010 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 1, East Farmington Ninth Addition, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $274,160.29 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 14, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 14, 2012, or the next business day if May 14, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 29, 2011 ASSIGNEE OF MORTGAGEE: Nationstar Mortgage, LLC Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021339F01 2766570 9/29-11/3/11

PUBLIC NOTICE

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 24, 2009 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $219,601.00 MORTGAGOR(S): Clara Delgado De Castillo, an unmarried woman, Russell Castillo and Lisa Castillo, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for Lendsmart Mortgage LLC., its successors and assigns DATE AND PLACE OF RECORDING: Recorded: March 13, 2009 Dakota County Recorder Document Number: 2643579 ASSIGNMENTS OF MORTGAGE: And assigned to: Flagstar Bank, FSB Dated: September 20, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100052550235720678 Lender or Broker: Lendsmart Mortgage LLC Residential Mortgage Servicer: Flagstar Bank, FSB Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 22446 Cantrel Way, Farmington, MN 55024-4011 Tax Parcel ID Number: 14.24500.02.030 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 2, Executive Estates, Dakota County, MN. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $221,033.74 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 18, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 18, 2012, or the next business day if May 18, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 06, 2011 ASSIGNEE OF MORTGAGEE: Flagstar Bank, FSB Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 022172F01 2769673 10/6-11/10/11

PUBLIC NOTICE

Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100848100125902595 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Mortgages Unlimited, Inc., a Minnesota Corporation RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 1053 Wagon Wheel Trail, Mendota Heights, MN 55120 TAX PARCEL I.D. #: 271640000070 LEGAL DESCRIPTION OF PROPERTY: THE WEST 67 FEET OF LOT 7 IN CAROLINE'S LAKE VIEW, EXCEPT THAT PART SHOWN AS PARCEL 230C ON THE PLAT DESIGNATED AS MINNESOTA DEPARTMENT OF TRANSPORTATION RIGHT OF WAY PLAT NO. 19-37, DAKOTA COUNTY, MINNESOTA COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $111,925.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $116,353.01 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 4, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 4, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, 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 13, 2011. U.S. Bank National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-2289 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2760225 9/22-10/27/11

PUBLIC NOTICE

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LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $128,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $57,069.09 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 4, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within twelve (12) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on _November 5, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 12, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-6354 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2760311 9/22-10/27/11

PUBLIC NOTICE

Sheriff of said county as follows: DATE AND TIME OF SALE: November 10, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 10, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 14, 2011. U.S. Bank National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-2343 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2760159 9/22-10/27/11

PUBLIC NOTICE

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: September 22, 2011 HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP1, Asset Backed Pass-Through Certificates Randall S. Miller & Associates, PLLC Attorneys for Assignee of Mortgage/ Mortgagee One Financial Plaza, 120 South Sixth Street, Suite 1100 Minneapolis, MN 55402 Phone: 612-573-3677 Our File No. 11MN00433-1 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. ASAP# 4090313 09/22/2011, 09/29/2011, 10/06/2011, 10/13/2011, 10/20/2011, 10/27/2011 2755163 9/22-10/27/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 23, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $248,800.00 MORTGAGOR(S): Sharon Tenney, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for First Magnus Financial Corporation, its successors and assigns DATE AND PLACE OF RECORDING: Recorded: October 06, 2005 Dakota County Recorder Document Number: 2367914 ASSIGNMENTS OF MORTGAGE: And assigned to: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWALT, INC., ALTERNATIVE LOAN TRUST 2 0 0 5 - 6 5 C B , M O R T G A G E PASS-THROUGH CERTIFICATES, SERIES 2005-65CB Dated: May 05, 2011 Recorded: June 03, 2011 Dakota County Recorder Document Number: 2803695 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100039223350015955 Lender or Broker: First Magnus Financial Corporation Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 605 Crane Creek Ln, Eagan, MN 55121-2377 Tax Parcel ID Number: 10.18475.01.190 LEGAL DESCRIPTION OF PROPERTY: Lot 19, Block 1, CIC No. 297, Crane Creek Addition, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $267,832.18 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 04, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 04, 2012, or the next business day if May 04, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED.

PRODUCTION, AND ARE ABANDONED. DATED: September 22, 2011 ASSIGNEE OF MORTGAGEE: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWALT, INC., ALTERNATIVE LOAN TRUST 2005-65CB, MORTG A G E P A S S - T H R O U G H CERTIFICATES, SERIES 2005-65CB Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 022187F01 2755232 9/22-10/27/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW 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, 2006 MORTGAGOR: Timothy J. Metzen, A Single Person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc.. DATE AND PLACE OF RECORDING: Recorded March 13, 2006, Dakota County Recorder, Document No. 2412244. ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank National Association. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100021268000468211 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Bankers Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 234 Dale Street East, South Saint Paul, MN 55075 TAX PARCEL I.D. #: 367150029290 LEGAL DESCRIPTION OF PROPERTY: Lot 29, Block 29, Spring Park, Dakota County, Minnesota, according to the recorded plat thereof, and situate in Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $145,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $141,447.80 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: November 22, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 22, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 23, 2011. U.S. Bank National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-2614 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2777374 10/6-11/10/11

�� 2420177. ��

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW 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 , 2003 MORTGAGORS: Richard L. Kinard and Mary Jo Kinard, Husband and Wife. MORTGAGEE: Ameriquest Mortgage Company. DATE AND PLACE OF RECORDING: Recorded April 8, 2003, Dakota County Recorder, Document No. 2026488. ASSIGNMENTS OF MORTGAGE: Assigned to: Credit-Based Asset Servicing and Securitization LLC. And thereafter assigned to: Beal Bank S.S.B. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Ameriquest Mortgage Company RESIDENTIAL MORTGAGE SERVICER: Dovenmuehle Mortgage, Inc. MORTGAGED PROPERTY ADDRESS: 1666 Concord Street South, South Saint Paul, MN 55075 TAX PARCEL I.D. #: 36-45300-09-080 LEGAL DESCRIPTION OF PROPERTY: LOT 8, BLOCK 9, LINCOLN PARK ADDITION TO SOUTH ST. PAUL COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $162,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $168,033.16 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: November 17, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 17, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 15, 2011. Beal Bank S.S.B. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-1726 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2769047 9/29-11/3/11

PUBLIC NOTICE

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ASSIGNMENTS OF MORTGAGE: Assigned to: ABN Amro Mortgage Group, Inc n/k/a CitiMortgage, Inc. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Mortgages Unlimited, Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 1626 River Bluff Court #97, Eagan, MN 55121 TAX PARCEL I.D. #: 104130005097 LEGAL DESCRIPTION OF PROPERTY: Unit 97, CIC number 358, Cedar Bluff Townhome Condominium COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $162,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $171,457.86 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 4, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on _May 4, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 12, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-6351 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2760289 9/22-10/27/11

PUBLIC NOTICE

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�� PLACE OF SALE: S h e r i f f s O f f i c e , Law Enforcement Center, 1580 Hwy �� AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $261,882.15 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 3, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 3, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 7, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-6146 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2758723 9/22-10/27/11

PUBLIC NOTICE

55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 4, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 14, 2011. The Bank of New York Mellon, as Successor Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 84-679 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2760361 9/22-10/27/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 12, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $163,900.00 MORTGAGOR(S): Erica McNearney, a single person MORTGAGEE: First Franklin Financial Corp., subsidiary of National City Bank of Indiana DATE AND PLACE OF RECORDING: Recorded: September 03, 2004 Dakota County Recorder Document Number: 2244769 ASSIGNMENTS OF MORTGAGE: And assigned to: PNC Bank, National Association Dated: August 05, 2011 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: First Franklin Financial Corp., subsidiary of National City Bank of Indiana Residential Mortgage Servicer: Select Portfolio Servicing Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4220 Upper 150th St W, Rosemount, MN 55068-4513 Tax Parcel ID Number: 34-15207-02-040 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 2, Broback 8th Addition, according to the plat thereof on file and of record in the office of the County Recorder, in and for Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $159,809.99 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 04, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 04, 2012, or the next business day if May 04, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE

THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 22, 2011 ASSIGNEE OF MORTGAGEE: PNC Bank, National Association Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021636F01 2754908 9/22-10/27/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF 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: April 24, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $253,600.00 MORTGAGOR(S): William D. Gessell and Patti D. Gessell, Husband and Wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for First Solution Lending, Inc. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. MIN#: 1003366-0604190003-3 SERVICER: Ocwen Loan Servicing, LLC LENDER: First Solution Lending, INC.. DATE AND PLACE OF FILING: Dakota County Minnesota,Registrar of Title , on May 18, 2006, as Document No. 590462. ASSIGNED TO: HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2006-ASAP4, Asset Backed Pass-Through Certificates Dated: March 22, 2007 , and recorded April 10, 2007 by Document No. 608664. LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 2 in Ches Mar East 2nd addition, Dakota County, Minnesota PROPERTY ADDRESS: 1123 Kirkwood Drive, Eagan, MN 55123 PROPERTY I.D: 10-17151-02-080 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: One Hundred Seventy-Seven Thousand One Hundred Thirty and 69/100 ($177,130.69) THAT no action or proceeding has been instituted at law to recover the debt secured by said mortgage, or any part thereof; that there has been compliance with all pre-foreclosure notice and acceleration requirements of said mortgage, and/or applicable statutes; PURSUANT, to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: 10:00 AM on November 15, 2011 PLACE OF SALE: Sheriff`s Main Office, Law Enforcement Center, 1580 Highway 55, Hastings MN 55033-2343 to pay the debt then secured by said mortgage and taxes, if any actually paid by the mortgagee, on the premises and the costs and disbursements allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is 6.00 months from the date of sale. "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR`S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 29, 2011 HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2006-ASAP4, Asset Backed Pass-Through Certificates Randall S. Miller & Associates, PLLC Attorneys for Assignee of Mortgage/ Mortgagee One Financial Plaza, 120 South Sixth Street, Suite 1100 Minneapolis, MN 55402 Phone: 612-573-3677 Our File No. 11MN00397-1 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. ASAP# 4090010 09/29/2011, 10/06/2011, 10/13/2011, 10/20/2011, 10/27/2011, 11/03/2011 2764811 9/29-11/3/11

PUBLIC NOTICE

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 24, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $204,000.00 MORTGAGOR(S): Richard L. Salsbury and Lanae J. Salsbury, Husband and Wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for Provident Funding Associates, L.P., its successors and assigns DATE AND PLACE OF RECORDING: Recorded: September 29, 2006 Dakota County Recorder Document Number: 2464994 ASSIGNMENTS OF MORTGAGE: And assigned to: Provident Funding Associates, L.P. Dated: September 26, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100017935160800724 Lender or Broker: Provident Funding Associates, L.P. Residential Mortgage Servicer: Provident Funding Associates, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 635 11th Ave N, South Saint Paul, MN 55075-1619 Tax Parcel ID Number: 36-70207-04-250 LEGAL DESCRIPTION OF PROPERTY: The North 1/2 of Lot 23, all of Lot 24 and Lot 25, except the North 25 feet thereof, Block 4, South Park Division Number 8, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $196,549.31 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 18, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 18, 2012, or the next business day if May 18, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 06, 2011 ASSIGNEE OF MORTGAGEE: Provident Funding Associates, L.P. Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 022346F01 2776696 10/6-11/10/11

PUBLIC NOTICE

Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100248908060006388 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Rescue Mortgage Inc., DBA Mortgage Depot RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 18090 Emerald Trail, Farmington, MN 55024 TAX PARCEL I.D. #: 14-19500-150-07 LEGAL DESCRIPTION OF PROPERTY: Lot Fifteen (15), Block Seven (7), Dakota County Estates, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $237,002.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $249,734.38 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 4, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 4, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 8, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-5490 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2758682 9/22-10/27/11

PUBLIC NOTICE

22, EXCEPT THE FOLLOWING DESCRIBED PARCEL: BEGINNING AT A POINT WHICH IS THE INTERSECTION OF THE NORTH LINE OF WENTWORTH AVENUE AND THE WEST LINE OF 19TH AVENUE NORTH, IN THE CITY OF SOUTH ST. PAUL, MINNESOTA, THENCE NORTHERLY ALONG SAID WEST LINE 19TH AVENUE 477.5 FEET; THENCE WESTERLY AND PARALLEL TO WENTWORTH AVENUE 125 FEET; THENCE SOUTHERLY AND PARALLEL WITH SAID WEST LINE OF 19TH AVENUE 477.5 FEET TO THE NORTH LINE OF WENTWORTH AVENUE; THENCE EASTERLY ALONG SAID NORTH LINE OF WENTWORTH AVENUE TO THE POINT OF BEGINNING. SUBJECT TO AN EASEMENT FOR RIGHT-OF-WAY PURPOSES OVER A 10 FOOT STRIP OF LAND ABUTTING THE WEST SIDE OF THE ABOVE-EXCEPTED PARCEL; EXCEPTING THE EAST 30 FEET THEREOF, ACCORDING TO THE GOVERNMENT SURVEY THEREOF, DAKOTA COUNTY, MINNESOTA ABSTRACT PROPERTY THE ABOVE PROPERTY IS SITUATED IN DAKOTA COUNTY, STATE OF MINNESOTA PID # 36 02100 120 26 ADDRESS: 549 19TH AVE N SOUTH SAINT PAUL, MN 55075 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $218,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $240,210.06 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 4, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 4, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: September 8, 2011. LPP Mortgage Ltd. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 9-12 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2760524 9/22-10/27/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 21, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $214,000.00 MORTGAGOR(S): Valeriy T. Babich and Svetlana A. Babich, husband and wife MORTGAGEE: Riverview Community Bank DATE AND PLACE OF RECORDING: Recorded: August 04, 2005 Dakota County Recorder Document Number: 2347540 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank, National Association Dated: July 21, 2005 Recorded: August 04, 2005 Dakota County Recorder Document Number: 2347541 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable

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cation Number: Not Applicable Lender or Broker: Riverview Community Bank Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 18846 Everest Path, Farmington, MN 55024-7060 Tax Parcel ID Number: 14-50505-02-040 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 2, Nelsen Hills Farm 6th Addition, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $252,151.83 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 04, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 04, 2012, or the next business day if May 04, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 22, 2011 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008966F03 2754025 9/22-10/27/11

PUBLIC NOTICE

GAGEE: $255,743.06 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 4, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 4, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 7, 2011. U.S. Bank, National Association, as Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 38-270 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2760493 9/22-10/27/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 22, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $359,100.00 MORTGAGOR(S): Gerald Rasmussen, a single man MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for America's Wholesale Lender, its successors and assigns DATE AND PLACE OF REGISTERING: Registered: August 11, 2005 Dakota County Registrar of Titles Document Number: 571769 ASSIGNMENTS OF MORTGAGE: And assigned to: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWALT, INC., ALTERNATIVE LOAN TRUST 2 0 0 5 - 4 6 C B , M O R T G A G E PASS-THROUGH CERTIFICATES, SERIES 2005-46CB Dated: August 02, 2011 Registered: August 09, 2011 Dakota County Registrar of Titles Document Number: T682830 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700054508607 Lender or Broker: America's Wholesale Lender Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 132581 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4778 Slater Rd, Eagan, MN 55122-2364 Tax Parcel ID Number: 10-65870-01-040 LEGAL DESCRIPTION OF PROPERTY: Lot Four (4), Block One (1), St. Charles Wood, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $369,019.53 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 04, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 High-

Law Enforcement Center, 1580 High way 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 04, 2012, or the next business day if May 04, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 22, 2011 ASSIGNEE OF MORTGAGEE: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWALT, INC., ALTERNATIVE LOAN TRUST 2005-46CB, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2005-46CB Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 022182F01 2755476 9/22-10/27/11

PUBLIC NOTICE

owner occupied, single family dwell 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 May 10, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 16, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-6357 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2768939 9/29-11/3/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: September 5, 2006 MORTGAGOR: Joel W. Biebighauser, a single person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded September 18, 2006, Dakota County Recorder, Document No. 2461935. ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100024200013857830 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: American Brokers Conduit RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 4675 Blaine Avenue, Inver Grove Heights, MN 55076 TAX PARCEL I.D. #: 204400105908 LEGAL DESCRIPTION OF PROPERTY: Unit Number 0908, Lafayette Park, CIC 370, Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $141,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $145,786.15 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 10, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 10, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF

��

�� WITH A RESIDENTIAL DWELLING OF �� LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL NOTICE OF MORTGAGE P R O D U C T I O N , A N D A R E FORECLOSURE SALE ABANDONED." THE RIGHT TO VERIFICATION Dated: September 16, 2011. OF THE DEBT AND IDENTITY OF CitiMortgage, Inc. THE ORIGINAL CREDITOR WITHIN Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. THE TIME PROVIDED BY LAW IS Attorneys for Mortgagee/Assignee of NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that Mortgagee default has occurred in conditions of 4500 Park Glen Road #300 the following described mortgage: Minneapolis, MN 55416 DATE OF MORTGAGE: December 16, (952) 925-6888 2006 10-6359 MORTGAGORS: J o h n A . J a c k s o n THIS IS A COMMUNICATION FROM and Sherry M. Jackson, husband and A DEBT COLLECTOR. 2768981 9/29-11/3/11 wife. MORTGAGEE: Citicorp Trust Bank, fsb. DATE AND PLACE OF RECORDING: NOTICE OF MORTGAGE Recorded January 4, 2007, Dakota FORECLOSURE SALE County Recorder, Document No. N O T I C E I S H E R E B Y G I V E N t h a t 2485828. default has occurred in the conditions ASSIGNMENTS OF MORTGAGE: of the following described mortgage: NONE DATE OF MORTGAGE: March 19, TRANSACTION AGENT: NONE 2004 TRANSACTION AGENT'S MORTORIGINAL PRINCIPAL AMOUNT OF GAGE IDENTIFICATION NUMBER ON MORTGAGE: $221,000.00 MORTGAGE: NONE MORTGAGOR(S): April L. Egerstrom LENDER OR BROKER AND MORTand Todd F. Egerstrom, wife and hus- G A G E O R I G I N A T O R S T A T E D O N band MORTGAGE: Citicorp Trust Bank, fsb MORTGAGEE: Mortgage Electronic RESIDENTIAL MORTGAGE SERRegistration Systems, Inc., as nomi- VICER: Citicorp Trust Bank, fsb. nee for Decision One Mortgage ComMORTGAGED PROPERTY ADDRESS: pany, LLC, its successors and assigns 5215 West 194th Street, Farmington, DATE AND PLACE OF RECORDING: MN 55024 Recorded: April 09, 2004 Dakota TAX PARCEL I.D. #: 144535002190 County Recorder LEGAL DESCRIPTION OF PROPDocument Number: 2193383 ERTY: ASSIGNMENTS OF MORTGAGE: Lot 19, Block 2, Limerock Ridge And assigned to: The Bank Of New COUNTY IN WHICH PROPERTY IS York Mellon FKA The Bank Of New LOCATED: Dakota York As Trustee For The CertificateORIGINAL PRINCIPAL AMOUNT OF holders Of CWABS, INC., Asset Backed MORTGAGE: $242,901.45 Certificates, Series 2005-SD1 AMOUNT DUE AND CLAIMED TO BE Dated: June 04, 2011 DUE AS OF DATE OF NOTICE, INCLUDRecorded: June 20, 2011 Dakota ING TAXES, IF ANY, PAID BY MORTCounty Recorder GAGEE: $250,816.52 Document Number: 2806187 That prior to the commencement of Transaction Agent: Mortgage Elec- this mortgage foreclosure proceeding tronic Registration Systems, Inc. Mortgagee/Assignee of Mortgagee comTransaction Agent Mortgage Identifi- plied with all notice requirements as cation Number: 100077910001774054 required by statute; That no action or Lender or Broker: Decision One proceeding has been instituted at law Mortgage Company, LLC or otherwise to recover the debt Residential Mortgage Servicer: Bank secured by said mortgage, or any part of America, N.A. thereof; Mortgage Originator: Not Applicable PURSUANT to the power of sale conCOUNTY IN WHICH PROPERTY IS tained in said mortgage, the above LOCATED: Dakota described property will be sold by the Property Address: 17713 Fortune Sheriff of said county as follows: Trail, Lakeville, MN 55044 DATE AND TIME OF SALE: SeptemT a x P a r c e l I D N u m b e r : ber 30, 2011 at 10:00 AM 22-30945-06-030 PLACE OF SALE: S h e r i f f ' s O f f i c e , L E G A L D E S C R I P T I O N O F P R O P - Law Enforcement Center, 1580 Hwy ERTY: Lot 3, Block 6, Greenridge 55, Lobby #S-100, Hastings, MN AMOUNT DUE AND CLAIMED TO BE to pay the debt then secured by said D U E A S O F D A T E O F N O T I C E : Mortgage, and taxes, if any, on said $274,756.79 premises, and the costs and disburseTHAT all pre-foreclosure require- m e n t s , i n c l u d i n g a t t o r n e y s ' f e e s ments have been complied with; that allowed by law subject to redemption no action or proceeding has been insti- within six (6) months from the date of tuted at law or otherwise to recover the said sale by the mortgagor(s), their debt secured by said mortgage, or any personal representatives or assigns part thereof; unless reduced to Five (5) weeks under PURSUANT to the power of sale con- MN Stat. §580.07. tained in said mortgage, the TIME AND DATE TO VACATE PROPabove-described property will be sold E R T Y : I f t h e r e a l e s t a t e i s a n by the Sheriff of said county as fol- owner-occupied, single-family dwelllows: ing, unless otherwise provided by law, DATE AND TIME OF SALE: Novem- the date on or before which the mortber 18, 2011 at 10:00 AM gagor(s) must vacate the property if the PLACE OF SALE: Dakota County mortgage is not reinstated under secLaw Enforcement Center, 1580 High- tion 580.30 or the property is not way 55, Lobby S-100, Hastings, Minne- redeemed under section 580.23 is sota 11:59 p.m. on March 30, 2012, unless to pay the debt secured by said mort- the redemption period is reduced to 5 gage and taxes, if any, on said pre- weeks under MN Stat. Secs. 580.07 or mises and the costs and disburse- 582.032. ments, including attorney fees allowed MORTGAGOR(S) RELEASED FROM by law, subject to redemption within FINANCIAL OBLIGATION ON MORTsix (6) months from the date of said GAGE: None sale by the mortgagor(s), their per"THE TIME ALLOWED BY LAW FOR sonal representatives or assigns. REDEMPTION BY THE MORTGAGOR, If the Mortgage is not reinstated THE MORTGAGOR'S PERSONAL REPunder Minn. Stat. §580.30 or the prop- RESENTATIVES OR ASSIGNS, MAY BE erty is not redeemed under Minn. Stat. REDUCED TO FIVE WEEKS IF A JUDI§580.23, the Mortgagor must vacate CIAL ORDER IS ENTERED UNDER the property on or before 11:59 p.m. on MINNESOTA STATUTES, SECTION May 18, 2012, or the next business day 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G if May 18, 2012 falls on a Saturday, OTHER THINGS, THAT THE MORTSunday or legal holiday. GAGED PREMISES ARE IMPROVED Mortgagor(s) released from financial WITH A RESIDENTIAL DWELLING OF obligation: NONE LESS THAN FIVE UNITS, ARE NOT THIS COMMUNICATION IS FROM PROPERTY USED IN AGRICULTURAL A DEBT COLLECTOR ATTEMPT- P R O D U C T I O N , A N D A R E ING TO COLLECT A DEBT. ANY ABANDONED." INFORMATION OBTAINED WILL BE Dated: August 8, 2011. USED FOR THAT PURPOSE. Citicorp Trust Bank, fsb. THE RIGHT TO VERIFICATION OF Mortgagee/Assignee of Mortgagee THE DEBT AND IDENTITY OF THE USSET, WEINGARDEN AND LIEBO, P.L.L.P. ORIGINAL CREDITOR WITHIN THE Attorneys for Mortgagee/Assignee of T I M E P R O V I D E D B Y L A W I S N O T Mortgagee AFFECTED BY THIS ACTION. 4500 Park Glen Road #300 THE TIME ALLOWED BY LAW FOR Minneapolis, MN 55416 REDEMPTION BY THE MORTGAGOR, (952) 925-6888 THE MORTGAGOR'S PERSONAL REP10-6288 RESENTATIVES OR ASSIGNS, MAY BE THIS IS A COMMUNICATION FROM REDUCED TO FIVE WEEKS IF A JUDI- A DEBT COLLECTOR. CIAL ORDER IS ENTERED UNDER NOTICE OF POSTPONEMENT OF MINNESOTA STATUTES, SECTION MORTGAGE FORECLOSURE SALE 582.032, DETERMINING, AMONG Pursuant to the provisions of MinneOTHER THINGS, THAT THE MORT- sota Statutes 580.07, the foregoing GAGED PREMISES ARE IMPROVED foreclosure sale is postponed until WITH A RESIDENTIAL DWELLING OF November 4, 2011 at 10:00 am at the LESS THAN FIVE UNITS, ARE NOT Sheriff's Office, Law Enforcement CenPROPERTY USED IN AGRICULTURAL ter, 1580 Hwy 55, Lobby #S-100, HastPRODUCTION, AND ARE ABANDONED. ings, MN, in said county and state. DATED: October 06, 2011 Dated: September 28, 2011. ASSIGNEE OF MORTGAGEE: CitiMortgage, Inc. The Bank Of New York Mellon Mortgagee/Assignee of Mortgagee FKA The Bank Of New York As USSET, WEINGARDEN AND LIEBO, P.L.L.P. Trustee For The By: Paul A. Weingarden Certificateholders Of CWABS, Attorneys for Mortgagee/Assignee of INC., Asset Backed Certificates, Mortgagee Series 2005-SD1 4500 Park Glen Road #300 Wilford, Geske & Cook P.A. Minneapolis, MN 55416 Attorneys for Assignee of Mortgagee (952) 925-6888 Lawrence A. Wilford 10-6288 James A. Geske THIS IS A COMMUNICATION FROM 8425 Seasons Parkway, Suite 105 A DEBT COLLECTOR. Woodbury, MN 55125-4393 2770937 10/6/11 (651) 209-3300 File Number: 022304F01 2773352 10/6-11/10/11

PUBLIC NOTICE

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�� MORTGAGEE: Accredited of Minnesota. ��

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 28, 2005 MORTGAGORS: Tim J. Powers and Sabrina Powers, husband and wife. MORTGAGEE: NationPoint. DATE AND PLACE OF RECORDING: Recorded May 16, 2005, Dakota County Recorder, Document No. 2322247. ASSIGNMENTS OF MORTGAGE: Assigned to: First Franklin Financial Corporation. And thereafter assigned to: U.S. Bank, National Association, as successor trustee to Bank of America, N.A. as successor by merger to LaSalle Bank National Association, as Trustee for Merrill Lynch Mortgage Investors Trust, Mortgage Loan Asset-Backed Certificates, Series 2006-FF1. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: NationPoint RESIDENTIAL MORTGAGE SERVICER: Bank of America, N.A. MORTGAGED PROPERTY ADDRESS: 14386 Banyan Lane, Rosemount, MN 55068 TAX PARCEL I.D. #: 34-14700-080-04 LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 4, Bloomfield, Common Interest Community No. 250, Dakota County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $148,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $177,164.56 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: November 29, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 29, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 29, 2011. U.S. Bank, National Association, as Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-1159 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2777178 10/6-11/10/11

PUBLIC NOTICE

Mortgage

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

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: December 21, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $75,000.00 MORTGAGOR(S): Roy J. Law Jr. and Cynthia J. Law, husband and wife MORTGAGEE: Anchor Bank, West St. Paul, NA DATE AND PLACE OF RECORDING: Recorded: January 06, 2006 Dakota County Recorder Document Number: 2395097 ASSIGNMENTS OF MORTGAGE: And assigned to: Mortgage Electronic Registration Systems, Inc. Dated: December 21, 2005 Recorded: January 06, 2006 Dakota County Recorder Document Number: 2395099 And assigned to: Nationstar Mortgage, LLC Dated: August 16, 2011 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1000375-0601434338-9 Lender or Broker: Anchor Bank, West St. Paul, NA Residential Mortgage Servicer: Nationstar Mortgage, LLC Mortgage Originator: Not Applicable

Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 13854 Gladiola Ct, Apple Valley, MN 55124-7338 Tax Parcel ID Number: 01-66500-03-140 LEGAL DESCRIPTION OF PROPERTY: Lot 14, Block 3, Scott Highlands First Addition, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $74,682.13 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 14, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 14, 2012, or the next business day if May 14, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 29, 2011 ASSIGNEE OF MORTGAGEE: Nationstar Mortgage, LLC Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 017872F02 2761679 9/29-11/3/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 16, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $481,500.00 MORTGAGOR(S): Dennis J. Bauman and Connie L. Bauman, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for America's Wholesale Lender, its successors and assigns DATE AND PLACE OF RECORDING: Recorded: November 12, 2004 Dakota County Recorder Document Number: 2266878 ASSIGNMENTS OF MORTGAGE: And assigned to: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWMBS, I N C . , C H L M O R T G A G E PASS-THROUGH TRUST 2005-04, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2005-04 Dated: July 21, 2011 Recorded: August 03, 2011 Dakota County Recorder Document Number: 2812789 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1000157-0004198747-6 Lender or Broker: America's Wholesale Lender Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 3974 Greystone Rdg, Eagan, MN 55122-1799 Tax Parcel ID Number: 10-49502-01.160 LEGAL DESCRIPTION OF PROPERTY: Lot 16, Block 1, Murphy Farm 3rd Addition, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $529,132.18 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof;

part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 14, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 14, 2012, or the next business day if May 14, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 29, 2011 ASSIGNEE OF MORTGAGEE: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWMBS, INC., CHL MORTGAGE PASS-THROUGH TRUST 2005-04, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2005-04 Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 019105F02 2767860 9/29-11/3/11

PUBLIC NOTICE

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $160,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $145,222.87 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 18, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 18, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: September 20, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-6370 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2768822 9/29-11/3/11

PUBLIC NOTICE

Sheriff of said county as follows: DATE AND TIME OF SALE: 10:00 AM on November 15, 2011 PLACE OF SALE: Sheriff`s Mai n Office, Law Enforcement Center, 1580 Highway 55, Hastings MN 55033-2343 to pay the debt then secured by said mortgage and taxes, if any actually paid by the mortgagee, on the premises and the costs and disbursements allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is 6.00 months from the date of sale. "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR`S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 29, 2011 HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2006-ASAP5, Asset Backed Pass-Through Certificates. Randall S. Miller & Associates, PLLC Attorneys for Assignee of Mortgage/ Mortgagee One Financial Plaza, 120 South Sixth Street, Suite 1100 Minneapolis, MN 55402 Phone: 612-573-3677 Our File No. 10MN00786-2 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. ASAP# 4088778 09/29/2011, 10/06/2011, 10/13/2011, 10/20/2011, 10/27/2011, 11/03/2011 2764770 9/29-11/3/11

PUBLIC NOTICE

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weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 21, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-5963 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2768720 9/29-11/3/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW 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 21, 2006 MORTGAGOR: Melissa D. Barkley, a single person MORTGAGEE: U.S. Bank National Association ND DATE AND PLACE OF RECORDING: Recorded: March 28, 2006 Dakota County Recorder Document #: 2416043 ASSIGNMENTS OF MORTGAGE: None LEGAL DESCRIPTION OF PROPERTY: UNIT NO. 1, CONDOMINIUM NO. 107, DIFFLEY COMMONS, A CONDOMINIUM LOCATED IN DAKOTA COUNTY, MINNESOTA. PARCEL ID #: 10-20450-04-001 PROPERTY ADDRESS: 4054 Beaver Dam Rd, Eagan, Minnesota 55122 TRANSACTION AGENT: N/A TRANSACTION AGENT ID NO.: N/A CURRENT MORTGAGE SERVICER: U.S. Bank National Association ND COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $151,200.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY PAID BY MORTGAGEE: $160,844.44 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 Mortgagors have been released from financial obligation on said Mortgage; that no action or proceeding has been instituted by law to recover that debt secured by said Mortgage, or any part thereof; that all conditions precedent to foreclose of the Mortgage and acceleration of the debt secures thereby have been fulfilled; PURSUANT to the power of sale therein contained, said Mortgage will be foreclosed and the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 23, 2011 at 10:00 am PLACE OF SALE: Dakota County Law Enforcement Center, Lobby S-100, 1580 Highway 55, Hastings, MN 55033 to pay the debt the debt then secured by the Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law, subject to redemption within six (6) months from the date of sale by the mortgagor, their personal representatives or assigns. DATE TO VACATE PROPERTY: The date on or before which the mortgagor must vacate the property if the mortgage is not reinstated under Minnesota Statutes section 580.30 of the property redeemed under Minnesota Statutes sections 580.23 is May 23, 2012 at 11:59 p.m. If the foregoing date is Saturday, Sunday, or a legal holiday, then the date to vacate is the next business day at 11:59 p.m. MORTGAGOR RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Dated: September 22, 2011 U.S. Bank National Association ND

U.S. Bank National Association ND Mortgagee Kenneth J. Johnson Minnesota State Bar No. 0246074 Johnson, Blumberg & Associates, LLC Attorney for Mortgagee 230 W. Monroe St., Ste. 1125 Chicago, IL 60606 Phone 312-541-9710 Fax 312-541-9711 2777574 10/6-11/10/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 1 3 , 2006 MORTGAGOR: Chindana P. Nikhomvan, a single person. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded November 8, 2006, Dakota County Recorder, Document No. 2474138. ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc.. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100199600000137527 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Advisor's Mortgage, LLC RESIDENTIAL MORTGAGE SERVICER: Citi Home Equity MORTGAGED PROPERTY ADDRESS: 1915 Timberwolf Trail North, Eagan, MN 55122 TAX PARCEL I.D. #: 107297501140 LEGAL DESCRIPTION OF PROPERTY: Lot 14, Block 1, Sun Cliff First Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $51,450.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $51,888.65 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: August 12, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on February 13, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: June 8, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 11-120 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until September 30, 2011 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: August 11, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden

By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 11-120 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 2, 2011 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: September 29, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 11-120 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2773261 10/6/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 20, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $305,000.00 MORTGAGOR(S): Maxwell A. Afram and Joyce S. Quarshie, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for America's Wholesale Lender, its successors and assigns DATE AND PLACE OF RECORDING: Recorded: October 07, 2005 Dakota County Recorder Document Number: 2368561 ASSIGNMENTS OF MORTGAGE: And assigned to: The Bank Of New York Mellon FKA The Bank Of New York As Trustee For The Certificateholders Of The CWABS, Inc., Asset-Backed Certificates, Series 2005-17 Dated: May 05, 2011 Recorded: June 13, 2011 Dakota County Recorder Document Number: 2805150 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700057607976 Lender or Broker: America's Wholesale Lender Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 14057 Belmont Trl, Rosemount, MN 55068-4964 Tax Parcel ID Number: 34-14501-03-090 LEGAL DESCRIPTION OF PROPERTY: Lot 9, Block 3, Biscayne Pointe Second Addition, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $309,443.65 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: September 30, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on March 30, 2012, or the next business day if March 30, 2012 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED.

ARE ABANDONED. DATED: August 18, 2011 ASSIGNEE OF MORTGAGEE: The Bank Of New York Mellon FKA The Bank Of New York As Trustee For The Certificateholders Of The CWABS, Inc., Asset-Backed Certificates, Series 2005-17 Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021875F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for September 30, 2011 at 10:00 AM has been postponed to October 31, 2011 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: September 23, 2011 ASSIGNEE OF MORTGAGEE: The Bank Of New York Mellon FKA The Bank Of New York As Trustee For The Certificateholders Of The CWABS, Inc., Asset-Backed Certificates, Series 2005-17 Wilford, Geske & Cook P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021875F01 2769121 10/6/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 1 0 , 2009 MORTGAGORS: J a c o b C . M a t h e w and Meena Jacob, husband and wife. MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded September 1, 2009, Dakota County Recorder, Document No. 2681659. ASSIGNMENTS OF MORTGAGE: Assigned to: Flagstar Bank, FSB. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100052550268738274 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Lend Smart Mortgage LLC RESIDENTIAL MORTGAGE SERVICER: Flagstar Bank, FSB MORTGAGED PROPERTY ADDRESS: 2601 Concord Way, Mendota Heights, MN 55120 TAX PARCEL I.D. #: 274160104056 LEGAL DESCRIPTION OF PROPERTY: Unit #56, Condominium Number 109, Kensington Carriage Homes Condominium COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $156,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $157,837.94 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: November 18, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 18, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF

��

�� WITH A RESIDENTIAL DWELLING OF �� f o r e g o i n �� g f o r e c l �� o s �� ure sale is LESS THAN FIVE UNITS, ARE NOT postponed until September 30, 2011 at PROPERTY USED IN AGRICULTURAL 10:00 am at the Sheriff's Office, Law P R O D U C T I O N , A N D A R E Enforcement Center, 1580 Hwy 55, ABANDONED." Lobby #S-100, Hastings, MN, in said Dated: August 23, 2011. county and state. Flagstar Bank, FSB Dated: August 15, 2011. Mortgagee/Assignee of Mortgagee CitiMortgage, Inc. USSET, WEINGARDEN AND LIEBO, P.L.L.P. Mortgagee/Assignee of Mortgagee Attorneys for Mortgagee/Assignee of USSET, WEINGARDEN AND LIEBO, P.L.L.P. Mortgagee By: Paul A. Weingarden 4500 Park Glen Road #300 Attorneys for Mortgagee/Assignee of Minneapolis, MN 55416 Mortgagee (952) 925-6888 4500 Park Glen Road #300 92-213 Minneapolis, MN 55416 THIS IS A COMMUNICATION FROM (952) 925-6888 10-6079 A DEBT COLLECTOR. 2775931 10/6-11/10/11 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE NOTICE OF MORTGAGE Pursuant to the provisions of FORECLOSURE SALE Minnesota Statutes 580.07, the THE RIGHT TO VERIFICATION 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 OF THE DEBT AND IDENTITY OF postponed until November 4, 2011 at THE ORIGINAL CREDITOR WITHIN 10:00 am at the Sheriff's Office, Law THE TIME PROVIDED BY LAW IS Enforcement Center, 1580 Hwy 55, NOT AFFECTED BY THIS ACTION. Lobby #S-100, Hastings, MN, in said NOTICE IS HEREBY GIVEN, that county and state. default has occurred in conditions of Dated: September 28, 2011. the following described mortgage: CitiMortgage, Inc. DATE OF MORTGAGE: September 2, Mortgagee/Assignee of Mortgagee 2005 USSET, WEINGARDEN AND LIEBO, P.L.L.P. MORTGAGOR: Michelle L. Harrison, By: Paul A. Weingarden a single person. Attorneys for Mortgagee/Assignee of MORTGAGEE: U n i t e d R e s i d e n t i a l Mortgagee Mortgage, LLC. 4500 Park Glen Road #300 DATE AND PLACE OF RECORDING: Minneapolis, MN 55416 Recorded September 15, 2005, Dakota (952) 925-6888 C o u n t y R e c o r d e r , D o c u m e n t N o . 10-6079 2360667. THIS IS A COMMUNICATION FROM A S S I G N M E N T S O F M O R T G A G E : A DEBT COLLECTOR. A s s i g n e d t o : A B N A m r o M o r t g a g e 2770915 10/6/11 Group, Inc n/k/a CitiMortgage, Inc. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON NOTICE OF MORTGAGE MORTGAGE: NONE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that LENDER OR BROKER AND MORTG A G E O R I G I N A T O R S T A T E D O N default has occurred in the conditions MORTGAGE: United Residential Mort- of the following described mortgage: DATE OF MORTGAGE: May 24, 2005 gage, LLC ORIGINAL PRINCIPAL AMOUNT OF RESIDENTIAL MORTGAGE SERMORTGAGE: $264,600.00 VICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: MORTGAGOR(S): Brenda Swanson, 990 Kensington Trail #103, Eagan, MN single 55123 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. TAX PARCEL I.D. #: 104160003003 DATE AND PLACE OF RECORDING: LEGAL DESCRIPTION OF PROPERTY: Recorded: July 14, 2005 Dakota Residential Unit No. 3, and Garage County Recorder Document Number: 2339820 Unit No. 12, Cambridge Court ConASSIGNMENTS OF MORTGAGE: dominium No. 1, Condominium File And assigned to: The Bank of New No. 70 COUNTY IN WHICH PROPERTY IS York Mellon f/k/a The Bank of New York, as successor in interest to LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF JPMorgan Chase Bank, National Association, as Trustee for First NLC Trust MORTGAGE: $101,600.00 AMOUNT DUE AND CLAIMED TO BE 2005-2 Mortgage-Backed Certificates, DUE AS OF DATE OF NOTICE, INCLUD- Series 2005-2 Dated: April 26, 2011 ING TAXES, IF ANY, PAID BY MORTRecorded: May 02, 2011 Dakota GAGEE: $93,367.87 That prior to the commencement of County Recorder Document Number: 2798423 this mortgage foreclosure proceeding Transaction Agent: Mortgage ElecMortgagee/Assignee of Mortgagee complied with all notice requirements as tronic Registration Systems, Inc. Transaction Agent Mortgage Identifirequired by statute; That no action or proceeding has been instituted at law cation Number: 100195910000662596 Lender or Broker: First NLC Finanor otherwise to recover the debt secured by said mortgage, or any part cial Services, LLC Residential Mortgage Servicer: thereof; PURSUANT to the power of sale con- Ocwen Loan Servicing, LLC Mortgage 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: 8366 174th St W, DATE AND TIME OF SALE: August Lakeville, MN 55044-6274 19, 2011 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 , Law Enforcement Center, 1580 Hwy 22-17075-080-02 LEGAL DESCRIPTION OF PROP55, Lobby #S-100, Hastings, MN to pay the debt then secured by said ERTY: Lot 8, Block 2, Cherry Ridge Mortgage, and taxes, if any, on said First Addition, Dakota County, Minnep r e m i s e s , a n d t h e c o s t s a n d sota. AMOUNT DUE AND CLAIMED TO BE disbursements, including attorneys' fees allowed by law subject to DUE AS OF DATE OF NOTICE: redemption within six (6) months from $285,002.55 the date of said sale by the THAT all pre-foreclosure requirem o r t g a g o r ( s ) , t h e i r p e r s o n a l ments have been complied with; that representatives or assigns unless no action or proceeding has been instireduced to Five (5) weeks under MN tuted at law or otherwise to recover the debt secured by said mortgage, or any Stat. §580.07. TIME AND DATE TO VACATE PROP- part thereof; PURSUANT to the power of sale conERTY: If the real estate is an owneroccupied, single-family dwelling, t a i n e d i n s a i d m o r t g a g e , t h e unless otherwise provided by law, the above-described property will be sold d a t e o n o r b e f o r e w h i c h t h e by the Sheriff of said county as folmortgagor(s) must vacate the property lows: if the mortgage is not reinstated under DATE AND TIME OF SALE: June 17, section 580.30 or the property is not 2011 at 10:00 AM redeemed under section 580.23 is PLACE OF SALE: Dakota County 11:59 p.m. on _February 20, 2012, Law Enforcement Center, 1580 Highu n l e s s t h e r e d e m p t i o n p e r i o d i s way 55, Lobby S-100, Hastings, Minnereduced to 5 weeks under MN Stat. sota to pay the debt secured by said mortSecs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM gage and taxes, if any, on said preF I N A N C I A L O B L I G A T I O N O N mises and the costs and disbursements, including attorney fees allowed MORTGAGE: None "THE TIME ALLOWED BY LAW FOR by law, subject to redemption within REDEMPTION BY THE MORTGAGOR, six (6) months from the date of said T H E M O R T G A G O R ' S P E R S O N A L sale by the mortgagor(s), their perREPRESENTATIVES OR ASSIGNS, sonal representatives or assigns. MAY BE REDUCED TO FIVE WEEKS IF If the Mortgage is not reinstated A J U D I C I A L O R D E R I S E N T E R E D under Minn. Stat. §580.30 or the propU N D E R M I N N E S O T A S T A T U T E S , erty is not redeemed under Minn. Stat. SECTION 582.032, DETERMINING, §580.23, the Mortgagor must vacate AMONG OTHER THINGS, THAT THE the property on or before 11:59 p.m. on M O R T G A G E D P R E M I S E S A R E December 17, 2011, or the next busiI M P R O V E D W I T H A R E S I D E N T I A L ness day if December 17, 2011 falls on D W E L L I N G O F L E S S T H A N F I V E a Saturday, Sunday or legal holiday. UNITS, ARE NOT PROPERTY USED IN Mortgagor(s) released from financial AGRICULTURAL PRODUCTION, AND obligation: NONE ARE ABANDONED." THIS COMMUNICATION IS FROM Dated: June 23, 2011. A DEBT COLLECTOR ATTEMPTING CitiMortgage, Inc. TO COLLECT A DEBT. ANY Mortgagee/Assignee of Mortgagee INFORMATION OBTAINED WILL BE USSET, WEINGARDEN AND LIEBO, P.L.L.P. 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 TIME PROVIDED BY LAW IS NOT (952) 925-6888 AFFECTED BY THIS ACTION. 10-6079 THE TIME ALLOWED BY LAW FOR THIS IS A COMMUNICATION FROM REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL A DEBT COLLECTOR. REPRESENTATIVES OR ASSIGNS, NOTICE OF POSTPONEMENT OF MAY BE REDUCED TO FIVE WEEKS IF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of A JUDICIAL ORDER IS ENTERED Minnesota Statutes 580.07, the 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 ��

PUBLIC NOTICE

�� Recorder, Document No. 2058740. ASSIGNMENTS OF MORTGAGE: �� A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: May 05, 2011 ASSIGNEE OF MORTGAGEE: The Bank of New York Mellon f/k/a The Bank of New York, as successor in interest to JPMorgan Chase Bank, National Association, as Trustee for First NLC Trust 2005-2 Mortgage-Backed Certificates, Series 2005-2 Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 014740F02 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for June 17, 2011 at 10:00 AM has been postponed to July 18, 2011 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: June 17, 2011 ASSIGNEE OF MORTGAGEE: The Bank of New York Mellon f/k/a The Bank of New York, as successor in interest to JPMorgan Chase Bank, National Association, as Trustee for First NLC Trust 2005-2 Mortgage-Backed Certificates, Series 2005-2 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for July 18, 2011 at 10:00 AM has been postponed to August 05, 2011 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: July 15, 2011 ASSIGNEE OF MORTGAGEE: The Bank of New York Mellon f/k/a The Bank of New York, as successor in interest to JPMorgan Chase Bank, National Association, as Trustee for First NLC Trust 2005-2 Mortgage-Backed Certificates, Series 2005-2 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for August 05, 2011 at 10:00 AM has been postponed to September 02, 2011 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: August 03, 2011 ASSIGNEE OF MORTGAGEE: The Bank of New York Mellon f/k/a The Bank of New York, as successor in interest to JPMorgan Chase Bank, National Association, as Trustee for First NLC Trust 2005-2 Mortgage-Backed Certificates, Series 2005-2 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for September 02, 2011 at 10:00 AM has been postponed to October 03, 2011 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: August 31, 2011 ASSIGNEE OF MORTGAGEE: The Bank of New York Mellon f/k/a The Bank of New York, as successor in interest to JPMorgan Chase Bank, National Association, as Trustee for First NLC Trust 2005-2 Mortgage-Backed Certificates, Series 2005-2 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 03, 2011 at 10:00 AM has been postponed to November 03, 2011 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: September 27, 2011 ASSIGNEE OF MORTGAGEE: The Bank of New York Mellon f/k/a The Bank of New York, as successor in interest to JPMorgan Chase Bank, National Association, as Trustee for First NLC Trust 2005-2 Mortgage-Backed Certificates, Series 2005-2 Wilford, Geske & Cook P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 014740F02 2770163 10/6/11

PUBLIC NOTICE

Assigned to: TCF Mortgage Corporation. And thereafter assigned to: Mortgage Electronic Registration Systems, Inc.. And thereafter assigned to: U.S. Bank National Association. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Bankers Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 4847 189th Street West, Farmington, MN 55024 TAX PARCEL I.D. #: 144780104450 LEGAL DESCRIPTION OF PROPERTY: Lot 45, Block 4, Meadow Creek Second Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $205,334.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $191,595.16 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: November 29, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 29, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 26, 2011. U.S. Bank National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-2342 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2777333 10/6-11/10/11

PUBLIC NOTICE

Lot 13, Block 4, East Farmington Third Addition, according to the recorded plat thereof, in Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $224,589.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $234,711.54 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: September 29, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owneroccupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on March 29, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: August 2, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-5023 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until November 3, 2011 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: September 29, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-5023 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2773104 10/6/11

PUBLIC NOTICE

ERTY: Lot 10, Block 1, The Meadows, Dakota County, MN COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $222,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $240,844.05 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 29, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 29, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 26, 2011. U.S. Bank National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-2840 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2777343 10/6-11/10/11

PUBLIC NOTICE

PURSUANT to the power of sale con tained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: November 22, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on May 22, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: September 26, 2011. PNC Bank, National Association Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 4-2729 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2775882 10/6-11/10/11

PUBLIC NOTICE

dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on _February 13, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: June 13, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-5926 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until September 15, 2011 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: August 15, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-5926 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE Pursuant to the provisions of Minnesota Statutes 580.07, the foregoing foreclosure sale is postponed until September 29, 2011 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: September 29, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-5926 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2773064 10/6/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: May 03, 2008 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $217,208.00 MORTGAGOR(S): Thomas Murray and Annmarie Murray, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: May 09, 2008 Dakota County Registrar of Titles Document Number: T627729 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, L.P. Dated: December 01, 2009 Registered: December 07, 2009 Dakota County Registrar of Titles Document Number: T654851 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100281210761431256 Lender or Broker: Platinum Lending Corporation Residential Mortgage Servicer: Bank of America, N.A. Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 130247 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 5801 143rd St W, Apple Valley, MN 55124-8093 Tax Parcel ID Number: 01-66700-190-05 LEGAL DESCRIPTION OF PROPERTY: Lot Nineteen (19), Block Five (5) in Scottsbriar 1st, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $244,598.44 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; that this is registered property; 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: October 22, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. 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 April 22, 2011, or the next business day if April 22, 2011 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: September 09, 2010 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010685F03 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 22, 2010 at 10:00 AM has been postponed to November 03, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: October 12, 2010 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for November 03, 2010 at 10:00 AM has been postponed to December 06, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: November 01, 2010 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 06, 2010 at 10:00 AM has been postponed to January 05, 2011 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: December 01, 2010 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for January 05, 2011 at 10:00 AM has been postponed to January 20, 2011 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: December 22, 2010 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for January 20, 2011 at 10:00 AM has been postponed to February 07, 2011 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: January 12, 2011 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for February 07, 2011 at 10:00 AM has been postponed to March 03, 2011 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: January 31, 2011 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for March 03, 2011 at 10:00 AM has been postponed to April 04, 2011 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

y DATED: February 08, 2011 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for April 04, 2011 at 10:00 AM has been postponed to June 06, 2011 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: March 25, 2011 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for June 06, 2011 at 10:00 AM has been postponed to July 06, 2011 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: May 24, 2011 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for July 06, 2011 at 10:00 AM has been postponed to September 06, 2011 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: June 23, 2011 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for September 06, 2011 at 10:00 AM has been postponed to October 06, 2011 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: August 30, 2011 ASSIGNEE OF MORTGAGEE: Bank of America, N.A., as successor by merger to BAC Home Loans Servicing, L.P. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 06, 2011 at 10:00 AM has been postponed to December 05, 2011 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: September 20, 2011 ASSIGNEE OF MORTGAGEE: Bank of America, N.A., as successor by merger to BAC Home Loans Servicing, L.P.. Wilford, Geske & Cook P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010685F03 2761533 10/6/11

PUBLIC NOTICE

y g to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months 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 March 30, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: August 8, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-6291 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 4, 2011 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: September 27, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-6291 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2769575 10/6/11

PUBLIC NOTICE

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY October 6, y y 2011 g tember 30, 2011 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. ยง580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on March 30, 2012, unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: August 8, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-6284 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 4, 2011 at 10:00 am at the Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN, in said county and state. Dated: September 29, 2011. CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-6284 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 2772599 10/6/11

PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: November 30, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $228,000.00 MORTGAGOR(S): Kirupakaran Suntharalingam and Sujeetha Kanagalingam, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: December 18, 2006 Dakota County Recorder Document Number: 2482644 ASSIGNMENTS OF MORTGAGE: And assigned to: Provident Funding Associates, L.P. Dated: July 06, 2011 Recorded: July 11, 2011 Dakota County Recorder Document Number: 2808968 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1000179-3516110131-2 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: 8447 Bryce Ct, Inver Grove Heights, MN 55076-5142 Tax Parcel ID Number: 20-54880-01-010 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 1, Orchard Meadows North, Dakota County, Minnesota. AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $220,874.68 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: August 26, 2011 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. ยง580.30 or the property is not redeemed under Minn. Stat. ยง580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on February 27, 2012, or the next business day if February 27, 2012 falls on a Saturday, Sunday or legal holiday.

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y 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 14, 2011 ASSIGNEE OF MORTGAGEE: Provident Funding Associates, L.P. Wilford, Geske & Cook P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021279F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for August 26, 2011 at 10:00 AM has been postponed to October 03, 2011 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: August 15, 2011 ASSIGNEE OF MORTGAGEE: Provident Funding Associates, L.P. NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 03, 2011 at 10:00 AM has been postponed to December 01, 2011 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State. DATED: September 02, 2011 ASSIGNEE OF MORTGAGEE: Provident Funding Associates, L.P. Wilford, Geske & Cook P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 021279F01 2745927 10/6/11

The gift of food

Photo by Rick Orndorf

Volunteers loaded food into a familyโ s vehicle Tuesday, Sept. 27, at Prince of Peace Lutheran Church in Burnsville. Prince of Peace was one of three Twin Cities sites for a Salvation Army food distribution made possible by a gift from international charity Feed the Children. The distributions, in Burnsville, Minneapolis and St. Paul, provided food for 1,200 families. Each pre-selected family received a 25-pound box of food, a 10-pound box of personal care items and a box of Avon products. The boxes are designed to help a family of four for up to a week. The distribution is part of Feed The Childrenโ s โ Americans Feeding Americans Caravan,โ which has helped more than 280,000 families across the country since it began in 2009.

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October 6, 2011 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

American pub to replace Chateau Lamothe Ernie’s Pub and Grill to open late October by Jessica Harper DAKOTA COUNTY TRIBUNE

Nearly a year after Chateau Lamothe closed in Burnsville, two local entrepreneurs are hoping to breathe new life into the former French American restaurant by turning it into a pub and grill. “This is a neighborhood with a casual atmosphere, so we feel it will fit right in,” said John Pleschourt co-owner of Ernie’s Pub and Grill. The casual dining restaurant named after Pleschourt’s father is set to open in late October. Pleschourt and his part-

In Brief

Ernie’s Pub and Grill is located at 14351 Nicollet Court in Burnsville. Phone: (952) 435-2867 Website: www.erniespub.com/

ner, Bryan Prettyman, looked across the nation for a site but settled on the former Chateau building for its visibility from busy roads. The site is on Nicollet Court near County Road 42 and the point where I-35E and I-35W meet.

The restaurant is also close to Pleschourt and Prettyman’s homes in Burnsville. The two men met in the hospitality industry years ago and became fast friends. As a young man, Pleschourt, 43, set his sights on teaching history, but fell in

Photo by Jessica Harper

A new pub and grill is set to open in late October in the former Chateau Lamothe building at 14351 Nicollet Court in Burnsville. Chateau Lamothe closed on Christmas Eve last year.

love with the hospitality industry while waiting tables as a college student. Though he completed his degree, Pleschourt spent the next 25 years working his way up to management at several establishments throughout the Twin Cities. Hospitality was a calling for Prettyman from the start. He earned an associates degree in business and went on to manage hotels and resorts across the nation for more than 20 years. The 45-year-old began his career at Trump Towers in Atlantic City where he once literally bumped right into Donald Trump. “He was nice about it but his handlers started rushing toward me,” Prettyman said with a laugh. The two Burnsville men Photo by Jessica Harper financed the restaurant using Burnsville residents John Pleschourt and Bryan Prettyman plan to open the pub and grill savings and retirement funds in late October. Both men have worked in the hospitality industry for more than two de- alone. cades.

Network from Page 1A

provided or doctors may have payments cut, Brase said. bogged down in the increasIn addition, she said fines ing loads of paperwork and will increase from $10,000 bureaucracy that accompany per incident to $50,000 per insurance mandates. incident to doctors who sub“Cumbersome is a good mit bills for treatments govway to describe the current ernment determines unnecmanaged care system,” said essary. Mary Johnson, a Patient But those kind of care Doctor Direct organizer who restrictions are reduced or works with doctors eliminated by not interested in the netfiling insurance pawork. perwork, and doctors There are growhave increased freeing concerns about dom to determine paincreasing governtient treatment. ment mandates some Patient Care Direct say are included in does not advocate Sherokee the new federal Papeople who are inIlse tient Protection and sured drop their major Affordable Care Act. health insurance coverage. Twila Brase, registered “We’re not trying to take nurse and president of on insurance companies. We Minnesota-based Citizen’s just want an alternative for Council on Health Care, people,” Ilse said. calls ObamaCare “socialized She added that about 90 medicine,” and has sounded percent of Minnesota’s health concerns the law will limit care providers in Minnesota patient’s treatment choices. are connected to a manShe said four coverage lev- aged care system like Allina els are allowed, purchased ei- or Health Partners, making ther by an employer through it difficult to find those who a government-run state, re- accept cash-paying patients. gional or national “health “Most states aren’t like benefit exchange.” that,” Ilse said. Only government-apBut not all agree that Paproved treatments will be tient Doctor Direct is a good

idea. Tim Schatz, an insurance agent with Minnesota Health Insurance Network in Burnsville, said there are already ways for people to get care at reduced cost. He points to Minute Clinics and similar wellnesstype clinics that he said serve the same purpose. In addition, he questioned how the doctors can cut costs without sacrificing care. Ilse said people without health insurance can maintain major medical insurance and with the cash system establish the kind of “old fashioned” patient-doctor relationships their grandparents enjoyed. She said the established network of medical professionals working outside the system together to provide patients affordable, quality options and care. Schatz added there are more less expensive options available for people without medical insurance, including virtual online clinics like Virtuwell. The program is a virtual online clinic available through Health Partners, but anyone can use it for $40.

“We felt self financing put more pressure on us to make it work,” Pleschourt said. Now the two men are focused on making the place their own. Though they plan to keep some of the existing glass art work and light fixtures, much of the decor will be replaced. Pleschourt and Prettyman emphasized that their restaurant will be family friendly. “It’s a pub, not a sports bar or a college hangout,” Prettyman said. “We want people to enjoy a drink after work or with dinner.” The Burnsville men said they believe their unique menu will set the restaurant apart from its competition. “We want items that you can’t find at any other bar and grills,” Pleschourt said. Some of Ernie’s unusual fare includes popovers, salmon wellingtons and hand cut steaks.

The restaurant will also have a breakfast menu that will include creme brulee french toast. The pub will have a vast drink menu which will further set Ernie’s apart from the pack, Pleschourt said. Though they aimed to make the menu unique, the two men also set out to make it affordable. “Our menu is designed with the recession in mind so the average family of four can afford to go out to eat,” Pleschourt said. Pleschourt said he isn’t concerned about the location, which is visible from the freeeway but is at the end of an entrance road to hotels. “I think the atmosphere will drive people to come off the beaten path,” he said. Jessica Harper is at jessica.harper@ecm-inc.com.

Graphic: The Commonwealth Fund

There are a growing number of uninsured throughout the nation, according to U.S. Census Bureau data. People who have an ear infection or pinkeye or other minor illness can use it to get prescriptions, saving them time and money. Johnson said Patient Doctor Direct is not against people in the system, they just

want to make people aware that there are medical professionals who exist outside of the system. In the future, the group hopes to expand Patient Doctor Direct to other states. “We were challenged by

doctors who said if you can do this in Minnesota, you can do this anywhere,” Ilse said. Laura Adelmann is at laura. adelmann@ecm-inc.com.