11/26/2009 - Dakota County Tribune Business Weekly

Tea times comes to Burnsville 2A Company has an appetite for destruction 7A Apple Valley man makes sweet music 8A

ANDREW MILLER KARA HILDRETH TAD JOHNSON

dakotacountytribune.biz dakotacountytribune.biz

DATE ##, 2009 NOVEMBER 26, 2009

VOLUME 30, NUMBER # VOLUME 30, NUMBER 39

Dakota County Tribune Since 1884

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Social media is a whole new ‘animal’

FORUM

BEST PRACTICES

Decision-makers need to take into account a variety of perspectives that could cloud their best judgment.

JEFF 5A APPELQUIST

by Jeff Achen

Photo by Jeff Achen

Minnesota Zoo Social Media Coordinator Sara Benson manages the zoo’s Twitter account and Facebook fan page from computer and cell phone, connecting with zoo patrons 24 hours a day, seven days a week, and advancing the zoo’s education and engagement goals. best way to do it was to actually dive in to the one topic I really know,� Benson said.

The Mounds View High School graduate majored in journalism at the University of Minnesota and found her niche in public relations. The potato chips blog helped her understand the culture of the Internet and the blogo-

The Minnesota Zoo recorded an attendance record after it installed the Russia’s Grizzly Coast exhibit.

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BUSINESS 101

CARIE STATZ

Apple Valley company shows that promotion is more than about putting up a sign and hoping customers respond.

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Managers need to realize that different generations approach the idea of ‘work ethic’ in personal ways.

GLENN 5A STARFIELD

Follow me Follow the Minnesota Zoo on Twitter: @mnzoo or use the hashtag #mnzoo to find and tag tweets about the Minnesota Zoo. You can also follow Rick Mahn and his Social Media Breakfast group on Twitter: @ RickMahn @smbmps

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sphere, as well as the ins and outs of cultivating professional online relationships and building an audience.

Benson had just the type of Web sensibilities Director of Marketing Bill Von Bank and his marketing team at the Minnesota Zoo sought. “Social media is evolving, it’s changing, there’s so many different things out there and we needed somebody who can kind of have a pulse on that, somebody who has a passion for it,� Von Bank said, “and that’s what came out when we interviewed Sara.�

The decision to add a full-time social media staff position emerged out of a reorganization of the zoo’s marketing department in August 2009.

Rick Mahn is a social media strategist at Land ’O Lakes and founder of Social Media Breakfast-Twin Cities, a group of social media

BEST PRACTICES

See Zoo, Back Page

Photo by Jeff Achen

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Continued development of rail systems will not benef it the metro area or the state of Minnesota.

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PHIL KRINKIE

DAKOTA COUNTY TRIBUNE

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Zoo is one of the first state agencies to add a full-time social media coordinator It’s hard to believe it could have started with potato chips, but it did.

The Minnesota Zoo’s new, full-time social media coordinator, Sara Benson, got her start with chipdiper.wordpress.com, a blog on which she sings the praises of and reviews potato chips.

Her father worked for Old Dutch and they always had chips around the house. It was an easy topic to talk about. “I wanted to get to know how blogging works, where you can kind of develop your relationships in the blogging world and I felt the

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November 26, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Owners’ East Asian backgrounds add ‘international feel’ to Indigo Tea Company

Herbal enchantments in Burnsville Photos by Andrew Miller

by Andrew Miller

Indigo Tea Company offers a selection of about 200 teas from China, Japan, India and other parts of the world. The business consists of both a teahouse at 1501 Riverwood Drive in Burnsville and Internet tea sales (www.indigo-tea.com).

DAKOTA COUNTY TRIBUNE

A suburban strip mall might seem like an odd spot for a teahouse.

But unlike a coffee house, a teahouse needn’t rely on foot traffic and visibility, explains Neal Grasdalen, owner of Indigo Tea Company in Burnsville.

“Tea’s a little different – it’s more of a destination like a wine store,” he said. “We don’t really have to be on the corner.”

Grasdalen opened the teahouse in 2005 with wife Annie Lai in commercial space that formerly housed a bakery off of Highway 13 at 1501 Riverwood Drive near Burnsville Bowl.

It was the logical next step for Grasdalen and Lai, who launched Indigo Tea Company in 2003 as an Internetonly tea retailer.

The couple scouted locations throughout the Twin Cities for two years before deciding on the Burnsville site.

“The space was perfect (for a teahouse layout) and we felt Burnsville was the center of the south Twin Cities area,” Grasdalen said.

Plus, Indigo Tea Company’s location cuts down on the couple’s commute. They live within walking distance in a townhome just behind

Photo by Andrew Miller

Neal Grasdalen founded Indigo Tea Company in 2003 with wife, Annie Lai, as an Internet-only retail tea business. In 2005, the couple opened the Indigo Tea Company teahouse at 1501 Riverwood Drive in Burnsville. the shop.

Asian studies from the UniA Rochester area native versity of Minnesota, Graswho holds a degree in East dalen says he’s always been a

Minnesota Trade Office offers China practicum in December The Minnesota Trade Office will hold a China practicum from 8:30 a.m. to 3:30 p.m., Tuesday, Dec. 1, in Minneapolis for business owners and others who want to increase export sales to Chinese customers.

Taught by MTO staff and six experts with on-theground experience in China, the practicum will include a Chinese market overview, strategies for entry and pitfalls to avoid in China’s many markets, logistics issues, and the development of successful business relationships.

Registration is at 8 a.m. at the St. Mary’s University of Minnesota, Twin Cities campus, 2304 Park Avenue, Minneapolis.

The cost is $75 if pre-registered; $95 for walk-ins. Includes light breakfast, lunch and materials.

To register, e-mailmto. edu@state.mn.us or fax registration to (651) 297-4265.

For more information, contact Li King Feng, (651) 259-7484 or e-mail li.king. feng@state.mn.us; or Ed Dieter, (651) 259-7481, or email ed.dieter@state.mn.us.

“tea person,” something that intensified when he lived in Taiwan for eight years, working as an editor and translator.

“I just always found myself in tea shops there,” he said.

Taiwan was also where Grasdalen and Lai first met.

Grasdalen’s exposure to East Asian tea culture influenced the design of the shop, which is billed as an “Asian/ European” teahouse. Part of the shop’s interior resembles a French coffee house, with Western furniture and decor. The other half is set up like an Asian teahouse, with knee-high tables and tatami rice mats on which to sit.

The tatami mats have proven popular with younger clientele.

“People will sometimes wait in line to get on those,”

Railroad signal system on Highway 52 to begin Nov. 30 Motorists may encounter delays on Highway 52 near Cannon Falls as the installation of railroad signal systems at a reinstated railroad crossing begins Monday, Nov. 30.

The new warning device, which includes gates and flashing lights, will be installed at the recently revived crossing to warn motorists of oncoming trains.

Currently the railroad crossing is being monitored by train crews, who have been flagging trains across the highway since they began running in early November.

Short-term lane closures will be required as the installation and testing of the device takes place for approximately a week.

Motorists are reminded to be aware of potential delays and slowdowns caused by the signal work and by vehicles such as buses and trucks carrying hazardous loads that need to stop at the tracks every time before crossing.

By visiting www.511mn. org or dialing 5-1-1, motorists can plan their trips with the latest traffic, construction, weather and travel news.

shop.

Grasdalen has resisted expanding the menu.

“We want to keep the food selection pretty light – I don’t want to turn the shop into a restaurant,” he said.

One thing Indigo Tea Company doesn’t serve is coffee. Customers seek out the shop for its tea selection, Grasdalen said, and he’s content to leave coffee to the coffee shops.

Though Internet sales of bulk tea continue to be a part of the business – Indigo ships to all 50 states and has regular customers on both coasts – the Burnsville shop is now the focus, and Grasdalen said he hopes to open a second Indigo Tea Company location in the Twin Cities in the next few years.

Indigo Tea Company is on the Web at www.indigo-tea. com.

said Grasdalen, adding that “when we designed the shop, we wanted it to have a real international, cosmopolitan feel.”

Though he had plenty of knowledge of tea when he started Indigo Tea Company, what Grasdalen didn’t have was a lot of business experience. So before opening the teahouse, he took a crash course of sorts.

“I worked at Starbucks for just under a year with the purpose of getting some exposure running a shop,” he said.

In addition to its selection of about 200 teas, including a full line of bubble teas – iced tea lattes served with tapioca pearls in the bottom – the shop offers sandwiches and bakery items such as scones, Andrew Miller is at which are baked fresh in the andrew.miller@ecm-inc.com.

Workforce housing townhome units to open summer of 2010 The Dakota County Community Development Agency has completed its regular timeframe for taking applications for its 40-unit development in Lakeville designed for workforce housing.

According to the CDA, housing will be available at Meadowlark Townhomes by the summer of 2010 for both single adults and families.

Located n the corner of Holiday Avenue and 210th Street West near Cedar Av-

enue and County Road 50 in Lakeville, the development includes six one-bedroom units, two 2-bedroom accessible units, 22 two-bedroom units and 10 three-bedroom units.

Amenities include separate entrances, central air conditioning, dishwashers, garbage disposals, miniblinds, washer and dry hookups and a one-car attached garage with opener.

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY November 26, 2009

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

Noteworthy

Accolades

Business Briefs

Business Briefs

REALTORS EARN NEW DISTRESSED PROPERTY CERTIFICATION

ing calendars. Musical performances will feature the Lakeville North Now and Then Singers, Lakeville South Encore Singers and Lakeville South instrumental groups.

The Lakeville Area Arts Center will host dance recitals by Holly’s Centre Stage Dance students from 9 to 11 a.m.

Entertainment beginning at 11:30 a.m. includes the Kenwood Trail Treble Singers and other middle school performances.

The annual Santa’s Secret Store, sponsored by the city’s recreation department, will be held at McGuire Middle School from 10 a.m. to 2 p.m. Santa’s Secret Store is designed for children to purchase inexpensive gifts for family and friends. Gifts will be priced from $1 to $15.

The Lakeville Senior Center will hold its annual holiday bazaar from 9 a.m. to 3 p.m. including the sale of fresh cinnamon rolls from 9 to 11 a.m. and lunch from 11 a.m. to 3 p.m.

Downtown businesses will offer special sales, promotions and treats to customers. Participating retailers will have a snowman displayed on their storefront.

Holly’s Centre Stage Dance will accept donations for Toys for Tots at the arts center and the DLBA will accept non-perishable food items at the Lakeville Mall to benefit the Community Action Council Food Shelf.

For more information on this event and other DLBA programs, visit www. downtownlakeville.com.

APPLE VALLEY COUNCIL OKS REVISED SOLICITOR ORDINANCE

EDWARD JONES HOSTS SOCIAL SECURITY AND FINANCE SEMINAR

The Apple Valley police chief now has the authority to immediately suspend the license of a solicitor who violates state law or county or city regulations.

The Apple Valley City Council passed the revision to the ordinance covering solicitors Nov. 5.

The prior ordinance allowed the chief to suspend a solicitor’s license only if the person’s actions cause “imminent harm to the health or safety of the public.”

Otherwise, a public hearing was held and then the City Council determined whether to revoke the solicitor’s license. This process can take up to 34 days, according to city documents.

— Jessica Harper

Stacey Brown, an Edward Jones financial advisor in Rosemount, will host a “Social Security and Finance” seminar at 6 p.m. Tuesday, Jan. 12, at Edward Jones, 3420 150th St. W., Suite 103, Rosemount.

Brown will be joined by a representative from the Social Security Administration for the Social Security presentation. During the event, Brown will discuss retirement planning. Seating is limited. For more information, contact Jonay Meyer at (651) 322-2905.

Denae Frampton, Mike Quam and Dan Vigdal with RE/MAX Advantage Plus in Lakeville earned their Certified Distressed Property Expert designation from the Distressed Property Institute, LLC offered through RE/MAX International. The three associates completed the two-day, 12-hour course Nov. 10 and 11.

The CDPE course offers licensed agents the tools and knowledge necessary to efficiently and effectively help homeowners in distress avoid foreclosure and sell properties.

The National Association of Realtors reports that in the third quarter ( July – September) of 2009, 30 percent of existing home sales were distressed properties – foreclosures or short sales. Short sales aim to benefit both homeowners and lenders. In a short sales transaction, homeowners sell their property for less than the mortgage amount, but avoid the foreclosure process and minimize damage to their credit history. By preventing a foreclosure in today’s market, a lender can minimize its losses by saving as much as half the carrying cost.

NAR also reports that nationally, only 12 percent of short sales are approved.

Among CDPE designated Realtors more than 80 percent of short sales are approved.

“The CDPE designation is one of the most important and timely educational products I have seen in over 40 years in the real estate business,” said Dave Liniger, RE/MAX chairman and co-founder, says. “I will do whatever it takes to get as many agents as possible through this course so they can help homeowners, the economy and our country.”

HOLIDAY ON MAIN FESTIVITIES ARE DEC. 5 IN LAKEVILLE The Downtown Lakeville Business Association will host its 13th annual Holiday on Main on Saturday, Dec. 5.

The Lakeville Mall (Post Office location) will host activities from 9:30 a.m. to 2:30 p.m. Santa will be present to meet and greet children. While waiting to visit Santa, children can listen to Mrs. Claus tell stories, visit the face painters, do crafts or have fun hair styling done

by Barger’s Salon staff. There will be live reindeer to pet and horse-drawn trolley rides.

The Early Childhood Family Education Parent Advisory Board will host a book fair, vendor booths and arts and crafts for children. Friends of the Library will be on hand to promote its “One Book One Lakeville” series and the Lakeville Historical Society will be sell-

Business Briefs FOSS SWIM SCHOOL TO CLOSE LAKEVILLE LOCATION Citing operational constraints, Foss Swim School will be closing its Lakeville location at the end of the year, according to a letter sent to customers.

The swim school will be consolidating the Lakeville location’s operations and programs with its Savage location by Jan. 1, 2010, the letter said.

Phone messages left with Susan Foss, co-owner of the school that has seven locations across the Twin Cities, weren’t returned.

According to the letter, “it doesn’t make operational sense to continue offering lessons at two locations within such a close proximity.”

Foss Swim School’s Savage and Lakeville locations are separated by just 7.2 miles.

The letter says the business will look to keep all of its Lakeville employees by offering them opportunities at the Savage location.

– Derrick Williams

LILLIAN’S OF FARMINGTON HOSTS FUNDRAISER DIVA PARTIES Lillian’s of Farmington purse and women’s accessory shop will host two school fundraiser Diva Parties open to the public at the shop located at 344 Third St. A Diva Party fundraiser to benefit the Farmington High School gymnastics team is schedule from 6:30 to 8:30 p.m. Saturday, Nov. 28 at Lillian’s.

Another fundraiser Diva Party will be held to raise money for the Farmington High School cheerleaders from 1 to 3 p.m. Saturday, Dec. 5 at Lillian’s.

“Anyone can come and take part in the pampering, refreshments and fun and the groups will get 10 percent of the sales for their team,” said Ronda Rath, shop owner.

For more information, contact Rath at (651) 460-4826.

HOLIDAY FOOD DRIVE SET AT GREAT CLIPS IMAX NOV. 21-28 The Great Clips IMAX Theatre at the Minnesota Zoo and Community Emergency Assistance Program are partnering for a holiday food drive Nov. 21-28.

Guests visiting the Great Clips IMAX Theatre to watch “Disney’s A Christmas Carol: An IMAX 3D Experience” can bring a non-perishable food item or toy to the theater to be entered to win a pair of Great Clips IMAX passes for a year (two pairs per month).

For show times, visit www.imax.com/ minnesota.

GREEN LOTUS YOGA, HEALING CENTER OPEN HOUSE IS DEC. 5 To celebrate its second anniversary, Green Lotus Yoga and Healing Center in Lakeville will host an open house from 8 a.m. to 3 p.m. Saturday, Dec. 5.

To register for events, call (952) 3730055 or click the Events tab at www. greenlotusyogactr.com. A food and toy drive to benefit those in need. Food and toy donations of all types are encouraged, but not required. Green Lotus is at 18480 Kenyon Ave., Lakeville. More information is at www.greenlotusyogactr. com.

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

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

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

Submissions to Buzz: www.DakotaCountyTribune.biz

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November 26, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

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

Photo ID at the polls: For integrity, accuracy, efficiency

by Kent Kaiser SPECIAL TO THE TRIBUNE

Instituting a photo ID requirement for accessing a ballot in Minnesota is an obviously needed election reform.

In poll after poll, the overwhelming majority of people support this measure, including 78 percent of people polled by the Pew Research Center for the People and the Press in 2006 and 75 percent of people polled at the Minnesota State Fair by the state Legislature in 2001.

Furthermore, support for this measure is bipartisan: In the Pew poll, 71 percent of Democrats, 77 percent of Independents, and 86 percent of Republicans supported this measure.

I believe election fraud is probably rare in Minnesota. Yet my belief is not enough.

Whether fraud is rare or commonplace in our state is, in fact, unknowable.

It is highly suspicious that liberals resist injecting this modest measure of integrity into our election system. It is especially suspicious that they are reluctant to alter our state’s system of allowing people to register by showing up at the polls with no proof of identity or residence at all and using only another person to vouch for them.

Most Minnesotans are unaware that the vouching system does not even require that the people doing the vouching actually

Guest Columnist know the identity of the persons for whom they are vouching; the system requires the people doing the vouching to attest only to the registrant’s residence in the precinct.

In Minnesota, we are lagging behind other states because of our antiquated laws against requiring photo ID for gaining access to a ballot.

Ballot access should have the same degree of integrity and accuracy that ballot counting does. A simple count is not enough to prove that integrity and accuracy exist in the ballot counting system, so we have a recount procedure to prove it.

Similarly, there should be safeguards in the system to prove that there is integrity and accuracy in our ballot access procedures. Indeed, the accuracy and integrity of the count and recount procedures are valid only if the first step in the process — distributing ballots — has accuracy and integrity, as well.

Yet photo ID is needed not only for the reason of injecting additional integrity into our election system but also for the purpose of allowing election processes to be streamlined and modernized.

Election technology now exists, and is

being used in other states, that allows for swift and accurate election registration, Election Day check-in, and post-election administration. Such technology relies on interface with driver’s license or state-issued photo ID. (Some of this technology is even made by Minnesota-based companies; see, for example, www.datacard.com).

It is similar to technology that Minnesotans are accustomed to seeing when they go to purchase fishing and hunting licenses.

Just as card readers have eliminated the need for bait shop clerks to write out paper fishing licenses, a card reader installed at a polling place could be employed in voter registration and check-in on Election Day. A quick swipe of a photo ID through a card reader could fill in the data fields in the state’s voter registration system, thereby eliminating common data-entry mistakes that take place with the current pen-andpaper registration system.

A quick swipe of such ID at the sign-in table in the polling place on Election Day would eliminate the need to line up by parts of the alphabet, would conserve thousands of pounds of paper currently used to print voter rosters in every election, and would greatly speed up the lines in the polling places.

It would also eliminate the need for postElection Day data entry of voter participa-

tion history, which after the 2008 election took several months and cost county governments tens of thousands of dollars to complete.

Opponents of election integrity often say that having to produce a photo ID at the polls constitutes an unbearable burden.

Certainly Minnesota lawmakers are clever enough to find ways to eliminate potential barriers that an exceedingly small percentage of citizens who want to vote might have in producing a photo ID. This is just one of 15 election reform recommendations contained in a new report entitled “No Longer a National Model” published by Center of the American Experiment, a Minneapolis-based think tank.

The report is available online at www. americanexperiment.org, and hardcopies can be ordered by calling (612) 338-3605.

Kent Kaiser, Ph.D., is an assistant professor of communication at Northwestern College in Roseville, and a senior fellow at Center of the American Experiment. Kaiser previously served in the administrations of Secretary of State Mary Kiffmeyer, a Republican, and Mark Ritchie, a DFLer.

The great commuter train robbery

by Phil Krinkie SPECIAL TO THE TRIBUNE

Now that all of the hoopla, celebration and hype over the opening of the Northstar Commuter Rail line have subsided, it’s time to examine the facts.

Yes, the fact about the total cost to construct the line to date and the project’s real operating subsidies. That’s right, the information that in all the back-slapping and publicity the media didn’t bother to report.

After all, let’s remember who paid 100 percent of the construction costs of this wonderful choo-choo train - the taxpayers.

There was no private-public partnership, no charitable contributions, just the good old taxpayer on the hook for the whole thing.

It all started a dozen years ago when poor Anoka County was being left out of the transit-transportation funding equation. So when looking around for funding options, they came up with the bright idea of a commuter rail line that could receive 50 percent matching funds from the federal government – you know, that free money that comes from Washington, D.C. At the outset, it sounded like a fairly modest project, one that would only cost $165 million and run from Minneapolis 80 miles northwest to St. Cloud.

The train would run on existing tracks, use readily available cars and engines so the costs would be modest compared with the Hiawatha light rail line, which cost over $65 million per mile to construct. But as time passed and more engineering work was done, the cost started to escalate. By 1999, the 80 miles to St. Cloud was projected to cost $223 million. Then the big shock in 2002 - the Federal Transit Administration said the

Guest Columnist Phil Krinkie

project didn’t meet their Cost-Effectiveness Standards. That’s when the project got cut in half, running only 40 miles from Minneapolis to Big Lake.

Logic would tell you half the distance, half the cost - WRONG! Project costs continued to soar until, upon completion, the total reached a whopping $317 million.

That’s right, the original estimate was that the line could be put into operation for $2 million a mile, but the final cost actually came in close to $8 million per mile, more than four times the original cost figures.

But unlike in the private sector, when public projects run over budget, no one seems to care if taxpayer dollars get wasted.

Actually, it’s quite the opposite: In the private sector, someone would lose his or her job over such a monumental blunder. Yet in the public arena, the chief proponent is not fired, nor even criticized, but rather congratulated on his success at bilking the taxpayers out of hundreds of millions for this Tooterville Trolley.

But unlike many other government boondoggles that cost the taxpayers millions, the theft of public funds isn’t over; to the contrary, in this case the drain on the taxpayers’ wallet is just starting.

Similar to the skyrocketing construction costs, Northstar’s operating costs have been climbing as well. As late as 2006 the

estimated operating costs were slated to be $9.4 million per year. Upon inauguration of the line, the operating costs for the first year are slated to be $16.8 million, almost double that of the earlier estimate.

But if this doesn’t upset the average taxpayer, consider that passenger fees will cover less than 20 percent or $3.2 million of the operating costs.

To put it into perspective, the $7 one-way fare from Big Lake to Minneapolis would be $35 if passenger fees covered the full operating costs. Of course, at that price tag, no one would ride the Northstar.

The way things are taxpayers are covering 80 percent of the cost for someone living in Big Lake to ride the Northstar back and forth to work in downtown Minneapolis.

This operating subsidy of 80 percent for the Northstar line compares to a 65 percent taxpayer subsidy for the metro bus service.

Before the Metropolitan Council proceeds with its plan to spend another $2 billion of taxpayers’ dollars to build more rail lines and hundreds of millions in operating subsidies, they should examine their true costs. The Metropolitan Council must be honest about the real construction and operating costs of these rail lines.

It’s time to stop robbing the taxpayer to pay for more trains.

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.

Submissions to Forum: www.DakotaCountyTribune.biz

Dakota County Tribune BUSINESS WEEKLY

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DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY November 26, 2009

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Best Practices

Be aware of cognitive roadblocks to good decision making

by Jeff Appelquist SPECIAL TO THE TRIBUNE

Perhaps the most important skill of an effective business leader is the ability to make good decisions.

Yet as leaders we are susceptible to cognitive biases that can hinder the decision making process.

Cognitive biases are simply distortions in our perception of reality that can occur when we use traditional shortcuts to help us make choices. Most of the time, shortcuts allow us to arrive efficiently at a good decision.

Sometimes, however, making choices in the most economical manner based on familiar rules of thumb is not the right thing to do. Even competent, knowledgeable, and experienced business leaders can get caught up in this trap.

Because we are human, we will never completely overcome our natural biases, but we can learn to make better choices by simply being aware of cognitive roadblocks to good decision making.

Cognitive biases can take many forms, but in the case of the Mount Everest tragedy of 1996, three types of bias contributed significantly to a disaster in which two expeditions were trapped in a storm near the top of the mountain and five people died.

Those cognitive biases are: • The overconfidence bias • The sunk-cost or escalation of commitment bias • The recency effect In May 1996, two commercial expeditions consisting of customers who paid up to $65,000 each to be professionally guided to the summit of Everest (the world’s tallest peak) became trapped in a blizzard high on the mountain. This tragic event was immortalized in Jon Krakauer’s famous bestseller, “Into Thin Air” (Krakauer, a journalist, accompanied one of the expeditions).

Two of the world’s best-known and most experienced mountaineers, Scott Fischer and Rob Hall, served as expedition leaders. In addition to the financial outlay, the effort to reach the summit of Everest requires a huge time commitment; climbers must spend six weeks acclimatizing their

Guest Columnist Jeff Appelquist

bodies to the high altitude. The two teams established a series of base camps at everincreasing heights, and then embarked on an arduous 18-hour round-trip to reach the summit. An unexpected and violent storm moved in, killing both Fischer and Hall, and three other climbers.

In a pamphlet entitled, “The Art of Critical Decision Making,” Professor Michael Roberto of Bryant University identifies the three primary cognitive biases that reared their ugly heads to contribute to the Everest disaster.

First, both Fischer and Hall demonstrated the overconfidence bias.

Research shows that human beings have a consistent tendency to be overly optimistic. For example, even experienced physicians tend to be unrealistically positive in their diagnoses.

In talking about Everest, Scott Fischer said, “We’ve got the Big E completely figured out, we’ve got it totally wired. These days, I’m telling you, we’ve built a yellow brick road to the summit.”

Other members of the team became cocky as well. Jon Krakauer described several of the highly inexperienced amateur climbers as so overconfident in their own abilities as to be “clinically delusional.”

The second cognitive bias is the sunkcost effect.

A rational actor makes choices based on the marginal cost of pursuing one choice over another. In contrast, the sunk-cost effect causes people to continue in a sometimes disastrous course of action in which they have invested significant time, money, and/or effort.

On Everest, expedition members refused to allow their huge financial expenditure and many weeks of herculean effort to be for nothing. With the blessing of their leaders, they pushed ahead to the summit, even in violation of well-established turn-

around times. A number of climbers reached the top too late in the afternoon, and were forced to descend the mountain while negotiating a furious storm in the dark.

Another common term for this same basic phenomenon is the escalation of commitment bias.

Consider America’s experience in Vietnam, or the current debate about Afghanistan. We have spent eight hard years fighting in that troubled country at great cost in blood and treasure.

Yet the argument still centers not on whether we should withdraw, pursue a different strategy, or otherwise cut our losses, but rather at what level we will continue the effort.

The final cognitive bias is the recency effect, which simply refers to the tendency to place a disproportionate value on information obtained recently.

This data is most salient to us, but can cause us to overlook other relevant information. On Everest, team leaders were fooled by a string of years in which good weather had prevailed on the mountain.

One commentator said, “Season after season, Rob [Hall] had brilliant weather on summit day. He’d never been caught in a storm high on the mountain.”

No one prepared for the worst case scenario. Disaster resulted because of this failure on the part of leadership to consider ample data that demonstrated that in past years, deadly storms had been a common occurrence on Everest.

Think about your own decision making as a business leader.

Have you ever allowed overconfidence, sunk-costs, or recency to sway your mind one way or the other?

Don’t be too hard on yourself if the answer is yes.

Despite what economists would have us believe, none of us are perfectly rational actors. We all occasionally yield to a lifetime of biases.

Nevertheless, we can improve our decision making if we develop the self-knowledge to be aware of these tendencies and, wherever possible, to overcome them.

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

Strong work ethic – What does that mean to you?

by Glen Starf ield SPECIAL TO THE TRIBUNE

According to Webster’s Dictionary, work ethic is defined as “a system of values in which central importance is ascribed to work, or purposeful activity, and to qualities of character believed to be promoted by work.”

It could be said that a person who possesses a strong work ethic perceives work to be very important to their life and personal satisfaction. But, in a new world of work, just exactly what value does work ethic have – and what exactly does it mean in a time when many work from home, work flexible hours, or work for themselves?

To answer the first question, we conducted a poll on our Blog called Movin’ On Up, where we asked employers and job seekers alike what they thought was the most important soft skill.

Essentially, soft skills

Guest Columnist Glen Starfield

are personal qualities, habits, and attitudes that make someone a good employee.

Out of 1,210 respondents, 23 percent selected “strong work ethic” as the most important soft skill employers are looking for today out of a list of 11 attributes, followed by a positive attitude (17 percent), communication (11 percent), and being a team player (10 percent).

But understanding the term “work ethic” in today’s world you must first ask yourself: What does having a strong work ethic mean to you?

Depending on your generation, how you define a strong work ethic may vary.

Mature workers, such as Tr a d i t i o n a l i s t s and Baby Boomers, typically value face time and dedication.

For these generations, long hours at the office and loyalty to their company marked by years of service are deeply intertwined with their personal identity and career achievements. These generations lived through world wars, the Great Depression, and civil rights movements.

They were taught from an early age that a strong work ethic meant working overtime and being faithful to your employer.

Employers, in turn, rewarded this work ethic with monetary, positional, and provisional rewards for many years.

But, today’s workplace reality paints a much different picture of loyalty. Lay-

offs, slashed benefits, and a struggling economy mean the rewards of loyalty don’t always pay off as they did years ago.

Younger generations, like Gen Xers and Millennials, have a much different understanding of a strong work ethic.

They are extremely hard workers, but their first loyalty is to their own dreams and careers. They define a strong work ethic by how well they do their jobs, how quickly they complete an assignment, and how satisfying their work is to them personally.

Growing up in an era of video games, cell phones, and personal computers, these generations are fully aware that it doesn’t take the time it once did to complete many tasks.

Also, they value a flexible schedule and believe that most work doesn’t have to be done in the traditional

workplace or during the traditional nine-to-five work day. A hard work ethic for this group of workers will often be demonstrated in industry involvement outside the office as young workers collaborate with professionals in social networks, contribute to community projects, and put their team-oriented approach to work in different places, too. These workers are defined by who they are outside of work and struggle with the rigid confines many employers place on them.

With the different perspectives on the meaning of a strong work ethic, it’s important not to group everyone into one category when determining who has a strong work ethic and who doesn’t at work.

You can no longer define work ethic simply as time spent in the office – you must look at the total picture of the employee’s pro-

fessional life. Time, people, and advances in technology continue to evolve the meaning of “work” and also of “work ethic.”

Soft skills such as a strong work ethic are important when determining who to hire, promote, and give increases in salaries.

Take everything an employee does for the company as well as in their professional life outside of work when looking at one’s work ethic.

This will help you make informed decisions during an interview and performance evaluation, and ensure you have the right people on your team.

Glenn Starf ield is owner of Express Employment Professionals in Lakeville. He can be reached by e-mail at glenn. starf ield@expresspros.com.

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November 26, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Business 101

Look for more than a sign Getting your message through the clutter with stunning clarity

by Carie Statz SPECIAL TO THE TRIBUNE

In Brief

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

Golf Classic this past summer is an ideal example of how Speedpro Imaging can make a tremendous impact. Anyone present will remember the golf carts and how they were precisely wrapped with the vibrant logos of the event’s sponsors.

The company also created lawn frame signage bibs for the HopeKids 2009 Suburban Adventure Fall Classic Walk and Run. Moore said Speedpro was proud to be part of this wonderful event, which raised funds for children with cancer and other life-threatening medical conditions.

Speedpro Imaging’s high-resolution vehicle wraps, which function as moving billboards, are designed to be UV-resistant, meaning that they can last up to seven years.

Often exorbitantly expensive, traditional billboards not only need frequent updates to preserve their message, but they are also stationary while vehicle wraps can travel virtually anywhere to deliver a company’s message, reaching more and different customers at a fraction of the cost.

Other innovative visual message technologies include perf-view, window clings and rough surface applications as well as sidewalk

John Moore, an emerging technologies and floor signage. Perf-view is a glass applicaspecialist, woke up one morning to a familiar tion that allows an image to be seen from one sight, but that didn’t mean he knew where he side with window tinting on the other. Winwas. dow clings employ static to secure graphics to Momentary amnesia seems to happen a lot glass or some other smooth surface. Both apto the frequent business traveler-and Moore plications provide a fairly inexpensive means was no exception. He was all too used to wak- certainly qualifies. for streetfront businesses to attract the attenMoore’s company creates visual messages ing up in hotel rooms so similar to each other tion of pedestrians and motorists. that he often needed a second or two to recall using photo-realistic imagery up to 1,440 When restrictions at leased facilities prothe name of the city or town he was visiting. dpi, providing stunning clarity with amazing hibit permanent signage promotions, SpeedMoore knew something in his life needed image depth. The state-of-the-art printer at pro Imaging offers solutions through rough to change-and this realization led him start Moore’s facility produces signs as large as 74 surface applications, sidewalk and floor signs, Speedpro Imaging of Apple Valley in January inches by 150 inches with an incredibly quick and building wraps. turnaround time. Consultation is part of the of 2009.

“We use heat technology to install brilliant More than just your typical sign company, full-service experience, which means that a signage on rough interior or exterior surfacSpeedpro Imaging of Apple Valley represents graphic designer is on staff to manage the es,” Moore said. “This method is long-lasting, a world-class network of premium, large complexities of creative development. but can also be easily removed through heat.

“We work with organizations that prefer format imaging centers across the U.S. and Businesses like this type of signage because it Canada that cater to well-informed, forward- direct contact with the process,” Moore said. installs in hours vs. days, delivers astonishing thinking customers who demand superior “We offer that capability because nearly all imaging and is not permanent.” our marketing materials are produced right service and quality.

Sidewalk and floor signage can be used to “All our imaging products are created us- at our facility in Apple Valley. Everyday at advertise sales, lead potential consumers to ing the very finest materials, substrates and Speedpro Imaging, we deliver on our promise a business through customized messages, or inks available,” Moore said. “At Speedpro to provide top-notch, cutting-edge service to provide thematic continuity to a special event.

Imaging of Apple Valley, we provide high- our customers.”

“Your business is a big deal,” Moore said.

The Apple Valley Chamber of Commerce resolution visual messaging for everything “Let us show it in a big way.” from customized tradeshow If you would like to take a marketing materials to vetour of Speedpro Imaging of hicle and building wraps.

Apple Valley, which is locat“Launching a Speedpro ed at 5708 Upper 147th St., Imaging location in Apple Suite 108, Apple Valley, or Valley was the perfect fit for would like more information me,” Moore said. “I’ve spent about the company’s prodmy whole career working ucts, contact John Moore at with emerging technologies (952) 432-6779, or jmoore@ and now I’m immersed in speedpro.com. Examples of one of the most cutting-edge Speedpro Imaging projects industries out there.” can be viewed at www.speedMoore understands that promn.com. partnering with businesses and companies to find the Carie Statz is marketing and best ways to deliver their sales instructor at Dakota Photo submitted Photo submitted messages might not be a cutCounty Technical College in ting-edge idea, but Speedpro Speedpro Imaging makes a statement during tradeshows ex- Speedpro Imaging can cover just about anything with a logo Rosemount. or sign, from cars to ice rink floors.

Imaging’s method of delivery hibiting its work on its own display.

Carie Statz

Make It Happen

A model for making wise, productive decisions

by Antar Salim SPECIAL TO THE TRIBUNE

Do you make wise and productive decisions at work? How do you know whether your decisions will be effective? Did you know that the average person makes 17,000 decisions a day?

Some will argue that one needs to use the rational decision making model to produce good decisions.

In this article, I will define and outline the 10 elements of the model and discuss the challenges and limitations associated with making productive decisions. In addition, I will leave you with a few ideas to consider as you think about future assessments.

The rational decision making model is composed of 10 elements.

1) The first stage allows decision-makers to determine the plan and create a visionary roadmap for the meeting.

2) In step two, participants must determine what is the problem?

Problems are defined as the chasm between a current state and a desired state.

3) The objectives stage establishes the criteria by which various alternatives will be judged. For example, if you are to decide which car you want to buy, you may select price, miles per gallon, and color as your objectives.

4) Once the criteria are selected, deci-

Guest Columnist Antar Salim

sion makers may brainstorm to generate as many possible situations.

5) The next step encourages participants to predict the outcome of their alternatives.

6) Comparing alternatives, taking into account the various forecasts, affords decision-makers the chance to evaluate to determine the best option. For example, if we refer back to the car example, you may assign a numerical value to price, miles per gallon, and color.

7) Based on all your options, you will create a total value or utility and compare to select which has the higher score.

Once a verdict has been made, it is important to 8) implement, 9) monitor and 10) evaluate to determine the efficacy of your selection.

By now, you are thinking, I already know that; how does this help me make better decisions? Or you may be thinking: how can I use this information to make better choices?

In an attempt to answer the those questions, let’s first consider the challenges and limitations associated with the model.

The theory of Bounded Rationality maintains that individuals are not capable of making rational decisions for three primary reasons.

First, people are not able to process all the information needed in the model.

For example, step four requires that we create a list of alternatives.

Logic tells us that in order to produce the best decision, we must generate a list of infinite choices from which to select.

But, Bounded Rationality claims we do not have the time, money, or mental capacity to create an exhaustive list of options.

In addition to the lack of mental ability, the objectives and the weights associated with each are subjective. The rational decision making model attempts to force our decisions to be objective and repeatable, but the criteria and the degree to which the criteria matter are subjective.

For example, if we refer back to the car example, I may think that price and miles per gallon are the most important objectives to use to guide the efficacy of the decision. My wife, on the other hand, may believe that color and MPG are the most important.

Even the best case scenario, in which we agree on the order of the criteria, we most likely will disagree on the weight associated with our top three objectives.

Finally, the model is based on the idea

that people make decisions to maximize their utility or happiness. I’m not sure whether we want to have a discussion on Behavior Economics, but many will argue that people do not make decisions that maximize their utility.

Referring back to the car analogy, even if my wife and I agree that car option 10 is the best based on its score, we may still select another option for various emotional reasons.

In summary, what can we do about the theory that we do not make rational decisions? Does this mean that our decisions are poor or that the process that we use to come to a conclusion is without merit?

I believe that although our decisions are not optimal, our choices are beneficial.

We must realize that the decision-making process has limitations and as long as we are able to live with a good decision, then we have done our jobs.

Finally, we should continue to use the rational decision-making models for important decisions as it allows us to produce a good decision as well as justify our selection.

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

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY November 26, 2009

7A

Lakeville

Demolition crew at work Besides document shredding, company also destroys electronic media

In Brief

by Kara Hildreth

Document Destruction can be contacted at (952) 898-3030 or online at www. documentdestruction.com. The company’s residential division, HomeShred, can be contacted at (952) 898-3400.

DAKOTA COUNTY TRIBUNE

Document Destruction in Lakeville specializes in onsite destruction of confidential documents.

Since becoming the first mobile shredding company in the Midwest, the small business has expanded well beyond just shredding paper.

Located at 21225 Hamburg Ave. in Lakeville’s Airlake Industrial Park, Document Destruction employs a staff of one part-time and 15 full-time workers who carry 92 years of professional experience in the shredding industry.

Document Destruction recently added five staff members to keep up with the pace of business as it continues to diversify. “It is all about building customer relationships, but also keeping up with the customers and their needs,� said Sheila Longie, Document Destruction president.

Document Destruction is a family-owned business started by Walter Lambader in Burnsville 20 years ago. Prior to founding the company, Lambader worked in waste management and saw a demand among homeowners and businesses for a safe, reliable way to destroy documents. “When Walter started this business, nobody knew what he was talking about,� Longie said, adding that 20 years ago, no one saw a market for document shredding or preventing identity theft.

Minnesota was the first state in the nation to delve into the mobile document destruction industry. “We have consistently grown in the last six years, and in the last year we have

Its nine mobile, state-ofthe art shredding trucks are on the road five days a week from morning until night, traveling to banks, city and county government offices, school districts, insurance companies, hospitals and state agencies.

Document Destruction is bonded and insured to perform many kinds of security work.

Clients can choose weekly, bi-weekly, monthly pickup or on-call pick up of documents, and flexible pricing can be calculated by the pound, by the minute or a flat fee.

Locked security containers offer clients four size opPhoto submitted tions for shredded documents Document Destruction in Lakeville owns nine shredding trucks that serve the needs of from personal “under desk�

5,000 clients in Minnesota and western Wisconsin. containers that hold up to 25 pounds, to 96-gallon containers on wheels that hold up to 300 pounds of paper material.

As a member of the National Association for Information Destruction, Document Destruction is certified to perform security work and was the first AAA Certified Security Company in Minnesota. “We are the highest ranked security agents in the state right now that are allowed on the airport grounds,� Longie said. “We do work with Homeland Security for the maintained,� Longie said. vision with Twin Cities and all the state “But we have not seen the an office loprisons in Minnesota.� large spike like in the past.� cated adjacent In addition to paper docu- to Document Busy in slow economy ment shredding, the company Destruction.

Document Destruction safely destroys CDs, hospital “People Photo by Martinez Photography Inc. has been able to attract new and clinic X-ray material, mi- bought home clients in the past year when crofiche and employee badg- paper shred- Sheila Longie the depressed economy rees. ders and they chines, the company can turn duced or wiped out many While it has expanded its were sick of a three-day, do-it-yourself job businesses. shredding services to week- doing it,� Longie said. “So it “We are very busy and we ends by appointment or spe- was a no-brainer to start do- into one that takes a couple of hours. are grateful and, quite frankly, cial shredding events, Docu- ing it for homes.� the economy has not affected ment Destruction recently The expansion into resiEvolving mission us quite as much as other created HomeShred because dential service is similar to Document Destruction businesses because people are of the demand for residential the company’s efforts for service. small business. Because of has more than 5,000 clients required to shred. It is not HomeShred is a new di- the size and speed of its ma- in Minnesota and western like they can get rid of shredWisconsin. ding,� Longie said.

Holiday Inn Hotel & Suites of Lakeville was honored with the 2009 Kemmons Wilson Award from corporate Holiday Inn after it was singled out among over 4,000 other hotels. The Kemmons Wilson Spirit of Family Award was given to one Holiday Inn brand Torchbearer hotel and one Holiday Inn Express brand Torchbearer hotel during the Global Investors & Leadership Conference in Washington D.C. this November.

Named for its founder, the award is given to the hotels that best exemplify Kemmons’ vision of excellent hospitality during the award year.  The Torchbearer recognizes operational excellence. The 2009 Kemmons Wilson Award will have much company in the trophy cabinet at its new Lakeville home along side their 2008 Newcomer, 2008 Quality of Excellence and 2009 Torchbearer awards.  Holiday Inn Hotel & Suites opened in December 2006 as a full-service hotel. The hotel has 132 guest rooms including 36 suites; and poolside/poolview rooms overlooking a New Orleans style streetscape. The indoor pool is a holidPhoto submitted ome with spa, water slide and children’s play pool. The hotel Holiday Inn Hotel & Suites of Lakeville General Manager has a Rudy’s Red Eye Grille restaurant and 5,000 square feet Charlie Lamont holds the 2009 Kemmons Wilson Award. of ballroom space, as well as an executive boardroom.

Lakeville Holiday Inn wins corporate award

Even in today’s deepening economic recession, small businesses and large corporations continue to invest in document destruction to abide by federal regulations that are part of maintaining high standards of security and running a strong riskmanagement program. “We kind of feel guilty because we are feeling it, but the government regulation for shredding has made it mandatory, and so it has become a utility,� Longie said.

The notion that companies will go to paperless business does not worry Longie. “We have heard that discussion since 1990,� Longie said. “When you work with the federal government, you have a lot of forms.�

Even hospitals and clinics that look to move to online patient files and records still need to purge old medical records, X-rays and other record-keeping information. “We still get calls for purged files that are more than seven years old. They will be purging for the next 20 years,� Longie said.

One negative effect of the economic downturn is that commodity prices dropped for recycled paper.

Longie said the company aims to make up for the reduced price it receives for selling shredded paper to paper mills by increasing its client base.

Despite the challenges, Document Destruction aims to continue to evolve as its clients’ needs change. “We are just going to have to be on the cutting edge on what is happening,â€? Longie said. “Now my real goal ‌ is to keep the business growing and keep customers happy.â€?

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

8A

November 26, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Spotlight

Diversification fuels musical life Owner of First Star Music Studios offers lessons, recording space, instrument repair

by Tad Johnson DAKOTA COUNTY TRIBUNE

Apple Valley resident Al Ynigues embodies the notion that if you love your work, you won’t have to work a day in your life.

Ynigues, owner of the home-based First Star Music Studios, has been in the music business for the past 60 years ‌ and he’s still loving it. “I’m very passionate about what I do,â€? he said. “It is like giving back what I have learned through the years.â€?

People will be surprised when they step into First Star Music Studios, where small lower-level rooms and a converted space in the back of the house serve as Ynigues’ teaching and recording area.

The studio is littered with the tools of the trade – guitars, music stands, keyboards, a computer, recording equipment, instructional books, music charts, CDs and much more.

Ynigues is primarily a teacher of most instruments (guitar, piano, organ, harmonica, drums and voice), but has found that diversification is important to bring in other streams of income.

He offers recording studio space where individual musicians or bands can cut CDs. While it isn’t like Prince’s Paisley Park, the studio time is a much cheaper $500 per hour.

Ynigues repairs instruments, such as guitars, mandolins, cellos and violins and plays music for weddings, birthdays and other special occasions.

While he enjoys everything he does, passing on his knowledge of music through lessons is what drives Ynigues.

When his business is booming, Ynigues has any-

Photo by Tad Johnson

Apple Valley resident Al Ynigues has been playing guitar since he was 9 years old.

Photo by Tad Johnson

Apple Valley resident Al Ynigues is owner of the home-based First Star Music Studio that offers music instruction and recording space. where from 40-60 students.

He has seen that number recently dwindle as he surmises that is because families are cutting back on expenses in the recent sour economy.

He offers his lessons at a cost of $76.50 per month for a half hour each week or $149 per month for an hour of instruction from beginner to intermediate.

The value of his instruction, which can provide a lifetime of sweet music, is often viewed a priceless commodity. Ynigues insists that his teaching isn’t just about music. “Number one, I teach them to pay attention,� he said of many of his young students. “They can’t play if at first they can’t hear it. I teach them discipline through their music homework.�

He said studies have

In Brief

First Star Music Studios, LLC is located at 124 Oakwood Road, Apple Valley. Owner Al Ynigues can be reached by e-mail at firststarmusic@msn.com, on the Web at firststarmusicstudios.com and by phone at (952) 432-4044.

shown that students who have music instruction perform better in school, too. “Their self-esteem is built up each time they come to me,� Ynigues said. “In a matter of months or so I have turned shy kids into chatter boxes.�

Most of Ynigues marketing comes through word of mouth in the schools. He knows that each successful student will breed more business as they share their music with friends. “Some students have told me that they have learned more in one month with me than they did in five years of

playing their instrument,� he said.

He is a member of the Apple Valley Music Teachers Association, which has about 75 members throughout the area who are able to refer students to teachers who offer they instruction they desire.

He also has a Web site where parents, prospective students, musicians looking to record and those planning events that might use his musical services can find out more about him.

First notes An accomplished guitarist, keyboardist and drum-

mer, Ynigues said he knew he wanted to be a guitar player at the age of 9, so he went about learning the craft himself.

Gifted with a highlydeveloped “ear� for music, Ynigues said he was able to strum along with just about anything he heard.

As he grew older, he started playing in a local band – Al & the Blue Notes – that covered tunes reflecting the sounds of the 1960s in rock ’n’ roll and jazz.

He said the group was the No. 1 band in San Antonio as they were in high demand to play at dances and other events.

Ynigues knew he wanted more out of music, so he enrolled in the Los Angeles City College where he gave his first music lesson to a curious friend.

The experience energized Ynigues so much that he started teaching more and more people as word circulated about his talent.

Ynigues started teaching in Minnesota when he launched First Star Music Studios in 14 years ago in Bloomington. First Star was located for a time in Burnsville before he moved it to Apple Valley.

It’s been quite a journey for Ynigues who has been all over the United States and played with musicians such as Count Basie, Duke Ellington and Kris Kristofferson.

He’s also studied music on both coasts at the University of Southern California, University of California at Los Angeles and Berkeley School of Music in Boston among others.

He composed music for the orchestras at both USC and UCLA along with the Los Angeles Philharmonic.

He has written music theory and “how-to� manuals for his students.

Now he aims to use the knowledge and experience gained over the years to teach the next generation of musical talents.

Managing editor Tad Johnson compiles the Dakota County Tribune Business Weekly’s Spotlight, which specializes in featuring local small business and micro business owners. To suggest a business for a Spotlight feature, e-mail tad.johnson@ecm-inc.com.

Vermillion River’s future shaped by today’s ideas A prairie river runs through the heart of Dakota County providing recreational opportunities and a rare wildlife habitat. Ideas from people in surrounding communities will be a key to its future.

Dakota County encourages the public to attend one of two workshops to talk about the future of the Vermillion River and the surrounding area and provide input to help

develop a corridor plan.

The purpose of the corridor plan is to protect water quality, enhance wildlife habitat, provide recreational opportunities, and set a foundation for future growth.

The workshops are Wednesday, Dec. 2 and Monday, Dec. 7.

Both workshops are from 6:30 to 9 p.m. at the Dakota County Extension and Conservation Center, 4100 220th

St. W., Farmington.

Partners for the project include Scott County and the Vermillion River Watershed Joint Powers Organization.

The workshops will give the public an opportunity to review ideas for enhancing the corridor and to suggest specific places for voluntary restoration projects, like bank stabilization or grassland restoration areas. Funding will be available for pilot projects

related to the plan. A draft Vermillion River Corridor Plan will be presented at workshops in early 2010.

The project is funded by the Legislative-Citizen Commission on Minnesota Resources and Active Living Dakota County.

To RSVP for either workshop, or for more information about the corridor plan, call (952) 891-7000 or e-mail water@co.dakota.mn.us.

Photo submitted

Workshops focusing on the Vermillion River wil be held Dec. 2 and Dec. 7.

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY November 26, 2009

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Capitol Commerce

Governor’s spending-cap proposal draws doubts Democrats view the idea as something they are willing to explore, but they are armed with plenty of questions

by T.W. Budig ECM CAPITOL REPORTER

Democratic lawmakers express a willingness to examine a spending limits constitutional amendment recently proposed by Gov. Tim Pawlenty, but remain cautious.

Two weeks ago Pawlenty presented the initiative, which, if approved by voters, would cap state general fund spending at the revenue level received during the previous two-year spending cycle.

“We need to change the way we budget in the state of Minnesota from what we want to spend to what we have brought in the door,” said Pawlenty, speaking at a Capitol press conference on Nov. 5.

Rep. Paul Gardner, DFLShoreview, argues that enshrining such an amendment in the state constitution Photo by T.W. Budig would serve to shift state govGov. Tim Pawlenty proposed a constitutional amendment ernment spending onto propwould cap state general fund spending at the revenue level erty taxes. received during the previous two-year spending cycle. Some “No, I don’t think it’s a Democrats are skeptical of the idea. good concept,” he said.

Capitol Roundup

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

Gardner views the proposal as handcuffing the Legislature – limiting options.

Sometimes long-term savings require up-front spending, he argued. Further, Gardner questions whether the governor is willing to work with lawmakers, pulling them into his office, in selling his proposal.

“I don’t think he has any intention of following up on it,” said Gardner, a member of the House Tax Committee. Gardner predicts the initiative will sputter.

Rep. Denise Dittrich, DFL-Champlin, who also serves on the House Tax Committee, expressed doubts about the wisdom of the amendment.

“I think anytime you have one solution for very complex problems and issues, it can become actually problematic,” she said.

Still, Dittrich indicated a willingness to explore, as have Senate leaders.

“I think you need to take all ideas seriously,” she said.

Sen. Jim Carlson, DFLEagan, offered a similar appraisal.

“I won’t say it’s bad until

we look at what it does,” said Carlson.

“I think it is something that we do need to talk about,” he said, adding that the concept has been tried in other states.

If it’s a good idea, it’s good, but if it’s a bad idea, make it clear, Carlson explained.

“To be honest with you, I don’t think it will go very far,” he said.

Rep. Pat Garofalo, RFarmington, withheld judgment on the amendment proposal, saying he needed to study it more.

“I would say that it would definitely provide more stable and predictable budgets – that’s 100 percent true,” he said.

But Garofalo, a member of the House Tax Committee, suspects there could be unforeseen consequences.

Garofalo believes the proposal has little chance of winding up on the ballot.

“No,” he said. “The current Legislature is interested in taxing and spending more.”

“The crowd in charge up there doesn’t have any interest in that,” he said of seeing a spending cap put in place.

Sen. Amy Koch, R-Buffalo, is carrying the legislation in the Senate.

“To families, business owners, or regular folks with limited income, it’s just common sense that spending should match income,” she said in a press release. Koch did not return calls seeking comment.

Rep. Peggy Scott, RAndover, who serves on the House Property and Local Sales Tax Committee, views the proposed amendment as timely.

“We need to do something very proactive right now,” she said.

Scott hopes voters will study and consider the amendment proposal, which she called a “very responsible piece of legislation.”

She views Democratic assertions that the amendment would limit options as misplaced.

“We can still move money around within the budget,” she said.

Beyond this, the legislation allows for emergency situations, Scott pointed out.

The bill will be heard at a meeting of the Senate Tax Committee on Dec. 7.

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

Dan Powers wants chance to challenge U.S. Rep. John Kline Burnsville Democrat considered run in 2008

by T.W. Budig ECM CAPITOL REPORTER

Burnsville resident Dan Powers announced on Nov. 17 his candidacy for Congress in the 2nd Congressional District. Powers is challenging Republican U.S. Rep. John Kline, R-Lakeville, who won a fourth term last November by taking 57 percent of the vote.

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

and that’s why I supported Steve Sarvi at the time,” Powers said. “We can do better” In his announcement speech – one laced with the phrase “We can do better” – Powers spoke of the need for affordable health care, putting people back to work, and the state becoming a leader in pollution-free energy.

“I am running to win,” he said.

Powers spoke of falling off a ladder, breaking his back, having to face hardship and medical costs and learning the challenges faced by district residents.

“I am one of them,” Powers said.

Two Dakota County DFLers, state Reps. Mike

Obermueller of Eagan and Phillip Sterner of Rosemount, attended the announcement.

“He’s (Powers) not going to get outworked, I can tell you that,” said Obermueller of Powers’ tenacity as a candidate.

Powers would be a good voice for district residents – Kline is a remote lawmaker, Obermueller added.

Powers lived in Colorado for a time before returning to Minnesota in 1982. He has two stepsons and a daughter.

Powers has served on the Board of Appeals for the city of Burnsville, according to his campaign biography.

Photo by T.W. Budig

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

The 2nd Congressional District race took more shape Tuesday, Nov. 17, with Burnsville Democrat Dan Powers’ announcement that he intends to challenge fourterm Republican U.S. Rep. John Kline, R-Lakeville, to represent the district.

Speaking at a Capitol press conference, Powers, who holds a commercial pilot’s license and has long ties to the roofing industry, said he had considered running last election.

But a late entry and concerns about campaign funding had him back off.

“I wanted to make sure we could have a strong candidate

Capitol Roundup

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November 26, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Serious time for a serious senator … who still knows how to have fun Sen. Al Franken talks about Afghanistan, state election reform, the deficit, health care

by Jeff Achen DAKOTA COUNTY TRIBUNE

Between the November 2008 election and when he was seated in July 2009, Sen. Al Franken had a little time on his hands to craft legislation.

Now the state’s junior senator, Franken has passed his first two pieces of legislation, one of which is a “service dogs for veterans” bill.

The bill establishes a Department of Veterans Affairs’ pilot project that should see some 200 service dogs going to deserving veterans. The federal government will pay half the cost – about $5 million – with private donations covering the rest.

Franken, a Democrat, talked about the legislation on the Nov. 16 episode of “Thisweeklive the Show” and said he hopes the program, which is basically a study, explodes into something more broadly available to service members.

On a similar note, Franken said he’s generally quite pleased with how troops are being treated and cared for by the U.S. government and public.

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

“It changed a lot after the 2006 election. Frankly, I don’t (think) before that there was enough being done for our veterans,” Franken said.

“There’s been a lot of improvement.”

When asked about the recount, Franken expressed his pride in the Minnesota election system.

“This was the opposite of Florida,” he said. “The night of the election a mandatory recount kicked in, a hand recount, and in Florida the votes were actually never recounted and here in Minnesota every vote was counted.”

Franken said some changes may be in order, particularly making the absentee ballots less confusing, moving the primaries up to give more time for the two major party candidates to campaign head to head.

“I would have personally liked to have seen the winner of the recount get a certificate of election,” he said. “That was what prevented me from being seated on Jan. 6.”

On Afghanistan, Franken

countered Rep. John Kline’s recent Thisweek Newspapers editorial calling for President Obama to fulfill his pledge to send more troops.

“The president did increase our troops in Afghanistan, so he has fulfilled that pledge,” he said. “He didn’t put a number on it at the time.”

Franken said that there have been some changes on the ground in Afghanistan since analysis in March.

“One of the changes we had was an election that was not on the up-and-up,” he said. “Karzai won, but there was clearly a lot of corruption.”

“The question sort of is, do you add more troops to a counterinsurgency doctrine which really does assume a legitimate central government,” he said. “Or, you continue a counterterrorism approach, which is designed to keep al Qaeda in Afghanistan, which I think we have been doing successfully.”

When asked about the danger in holding off on a de-

cision too long, Franken said the danger lies in making the wrong decision.

On the deficit, Franken blames two thirds of the problem on President George W. Bush. “(Obama) inherited an economy that was collapsing perhaps into a depression.

The deficit essentially is the stimulus package,” he said.

He said the stimulus package may have saved the nation from slipping into a bigger depression. Franken said the $1.4 trillion deficit requires that we grow ourselves out of this.

“We also need to get a handle on the health care costs that have been skyrocketing on an unsustainable basis,” he said.

When asked about how the state can retain medical sector jobs with big Minnesota companies such as Medica, Blue Cross Blue Shield and still achieve the kind of reforms needed to reduce costs for consumers, Franken said health care reform will actually benefit insurance companies.

“Insurance companies are getting 30-some million more patients or clients or customers by this because we’re going to be covering everyone,” Franken said. “So they should be able to do fine, but we don’t want the insurance companies to be not covering

SBA expands ‘e200’ initiative to more cities The U.S. Small Business Administration announced today that it will expand the Emerging 200 (e200), an executive-level training initiative for small business owners, in 2010.

The initiative will continue in 10 cities that have participated in the past, and expand into 12 communities with an emphasis on Native American business owners.

“Over the last few years e200 has been a catalyst for expanding opportunities for many promising small businesses in underserved communities – in particular those who have been most impacted by these tough economic times,” SBA Administrator Karen Mills said. “Graduates of the program have increased their revenue, created jobs and helped drive local economic growth in their communities. SBA’s commitment to not only continue, but expand the program, will build on this success and provide even more entrepreneurs in underserved communities with the support, resources and skills to succeed.”

The expansion of e200 to Native American communities coincides with the president’s appearance before tribal leaders Nov. 5 in Washington, D.C., during which he promised that the

administration would work with the Native American community to build economic prosperity.

As the president acknowledged that some of the reservations face unemployment of up to 80 percent and roughly a quarter of all Native Americans live in poverty, he stated his commitment to being “full partners in the American economy … so [their] children and … grandchildren can have an equal shot at pursuing the American Dream.”

The expansion of e200 is part of the administration’s pledge to achieve these goals.

Since its inception, e200 has identified business owners across the country who show a high potential for growth in underserved markets — and provided them with the training, networking, resources and motivation required to expand operations and create jobs.

To date, more than half of the businesses that participated in e200 have seen an increase in revenue, and nearly two-thirds have created new jobs.

Entrepreneurs who have completed the training have secured over $9 million in new financing for their businesses. Increased confidence in apply-

ing for government contracts among trainees has resulted in over $1.3 million awarded to participating small businesses.

The nine-month training includes approximately 100 hours of classroom time per participant and provides the opportunity for small business owners to work with experienced mentors, attend workshops and develop connections with their peers, city leaders, and financial community.

The cities hosting the e200 initiative in 2010 are: Urban Markets: Jacksonville, Fla.; Dallas, Texas; Atlanta, Ga.; Des Moines, Iowa; Boston, Mass.; Baltimore, Md.; Detroit, Mich.; Philadelphia, Pa.; Memphis, Tenn.; Chicago, Ill. Native American Communities: Denver, Colo.; Albuquerque, N.M.; Gallup, N.M.; Portland, Ore.; Milwaukee, Wis.; Tucson, Ariz.; Phoenix, Ariz.; Oklahoma City, Okla.; Tulsa, Okla.; Santa Ana, Calif.; Seattle, Wash.; New Orleans, La. In the coming weeks, e200 will graduate its third class across the country.

Photo by T.W. Budig

Sen. Al Franken, a Democrat, was interviewed on ThisweekLive the Show during the most recent episode, which is online at www.ThisweekLive.com. people when they get sick, to terview, go online at www. be denying them health care thisweeklive.com/theshow. when they have a pre-existing condition. There’s going to Online Editor Jeff Achen inbe insurance reform in this, terviews guests on “Thisweekwhich is needed badly, and in live the Show” each week. addition there’s going to be The Dakota County Tribune reform in the way we deliver Business Weekly features health care and that’s where weekly highlights from the the savings are coming from.” show. Contact Jeff Achen at To view the entire injeff.achen@ecm-inc.com.

Recovery Act funding updates available on Web site Local information on how federal Recovery Act funds are being utilized are available online at www.recovery. gov.

According to Dakota County, due to funds received from the Recovery Act, a total of .54 full-time equivalent employees were retained for its adult and dislocated worker service programs.

In addition, $788,088 of Recovery funds had been spent as of Oct. 20, with $75,000 paid to one of the county’s service providers, HIRED. And, $61,321 was spent

by Dakota County to provide training services and support.

Training services can include partial payment of tuition to a technical college.

Support services expenditures can include payments for items that would otherwise prevent attendance at training, such as repairs to a vehicle.

At least 70 percent of the

funding is required to be spent on training services and support.

The Recovery Act involves $787 billion in funding; $288 billion in tax benefits; $275 billion in contracts, grants and loans and $224 billion in entitlement funding.

Dakota County has received funds that it plans to use on various projects, including increasing the energy efficiency of county buildings, as well as providing supplemental funding for the county’s single family housing rehabilitation loan program.

That program provides low or no interest home improvement loans to income eligible homeowners. Funds will also be used to provide homelessness prevention assistance to individuals and families who would otherwise be homeless, and also to provide assistance to rapidly re-house people who are homeless.

Life Science Alley Conference on Dec. 9 to showcase new technology in Minneapolis The LifeScience Alley Conference and Expo is slated for Dec. 9 from 7 a.m. to 5:30 p.m. at the Minneapolis Convention Center.

Dr. Bill Crounse, senior director of worldwide health for the Microsoft

Corporation, will deliver the luncheon’s keynote address, “The Impact of Information Technology and the Internet on Health and Health Care.”

Crounse will explore the ways in which leaps in

technology and inter-connectivity are impacting how health care is managed and delivered.

Eight life-science organizations from around the United States and Canada will exhibit new technolo-

gies.

AUM Cardiovascular of Minneapolis will be presenting a non-invasive, hand-held, fast and affordable coronary artery disease assessment device.

Exos Corporation of St.

Paul will be presenting a thermoformable lamination technology for external musculoskeletal stabilization and support, and VitalMedix Inc. of Hudson, Wis., will be presenting a proprietary formulation to

sustain trauma victims with severe blood loss until surgical intervention.

Registration for the event is required and costs vary. More information and registration is at www.lifesciencealleyconference.org.

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY November 26, 2009

Crowded buses lead to change in University of Minnesota trips After hearing concerns about overcrowding on buses going to and from downtown Minneapolis and the University of Minnesota, the Minnesota Valley Transit Authority made some route changes to ease the worstcase standing loads.

Route 465 now leaves the Burnsville Transit Station at 9:05 a.m. and arrives at the University of Minnesota at 9:38 a.m.

This trip skips the South Bloomington Transit Center and downtown Minneapolis.

Southbound bus schedules have also been changed.

Route 460 will leave at 2:25 p.m from the Gateway

site and arrive at Burnsville Transit Station at 2:56 p.m.

MVTA added route 465, leaving from Oak and Washington at 4:10 p.m. and arriving at Burnsville Transit Station at 5:04 p.m.

Route 460 leaving at 4:31 from Gateway has been deleted and replaced with a schedule leaving from 4:28 p.m. to 4:30 p.m. from Gateway and arriving at Burnsville Transit Station at 5:10 p.m.

The changes became effective Nov. 18 and will be incorporated with the planned changes effective Dec. 12.

New schedules will be available in early December.

Photo submitted

Metro Mobility’s first hybrid electric vehicles – 15 new buses – were purchased with federal stimulus dollars to replace 15 high-mileage diesel vehicles in the existing fleet.

New Metro Mobility buses sport a new look, technology reflect the region’s family of transit services.

In addition to the initial appropriation from the federal American Recovery and Reinvestment Act, the council and Metro Mobility applied for and received another $1.1 million in competitive stimulus monies that will be used to purchase an additional 10 hybrid electric buses for the Metro Mobility fleet.

The grant was awarded as part of the FTA’s 2009 Transit Investments for Greenhouse Gas and Energy Reduction program. These vehicles are scheduled to arrive late next summer.

Metro Mobility officials say they expect the new hybrid buses to improve fuel economy by nearly 30 percent and produce significantly fewer carbon emissions. Â In addition to the improved fuel economy, the hybrid technology should reduce wear on other major vehicle components and extend the life of the vehicles by 25 percent.

The council was one of 43 entries awarded funding to purchase “cutting-edge environmental technologies.�

Bell said the Metropolitan Council continues to seek out and secure federal economic stimulus funds to benefit metro area residents.

Bell: Reality of expenses will switch light rail plans Bus Rapid Transit may not be as sexy, but more affordable

by Laura Adelmann DAKOTA COUNTY TRIBUNE

The cost of light rail and escalating economic woes will eventually drive a move from the “sexy� lure of light rail in favor of bus rapid transit, predicted Metropolitan Council Chair Peter Bell during a Nov. 11 meeting with Dakota County commissioners.

His statements were in response to frustration expressed by Commissioner Paul Krause.

A member of the County Transit Improvement Board which manages funds collected through the metro area transit tax, Krause questioned why more officials aren’t following Dakota County’s lead in developing a flexible, less costly, BRT corridor system instead of light rail. “Nobody really wants to talk about the large maintenance problem that this (light rail) system is going to have. ‌ It’s a scary, scary situation we’re going to be in,â€? Krause said.

Light rail costs $100 million per mile to build, Bell said.

While the discussion centered on the Hiawatha light rail, the Northstar Commuter Rail Corridor runs on existing tracks and has more passenger cars per trip than light rail. It cost $317 million to build or $7.9 millon per mile.

While light rail operating and maintenance expenses vary greatly, the costs for the 12-mile Hiawatha corridor are expected to total $25.4 million in 2009, equating to over $2 million per mile annually, according to Met Council Spokesman Bob Gibbons.

Bell said he shared Krause’s concerns about the expense of light rail, stating that he supports BRT as a system that allows for 70 to 80 percent of the benefit at 20 to 30 percent of the cost. “Can we operate the (rail) systems we are in fact building? This is a huge problem

Back issues available online To view back issues of the Dakota County Tribune Business Weekly in PDF format, go online at www.DakotaCountyTribune.biz.

Archived stories by Dakota County Tribune staff members are also searchable at www.

ThisweekLive.com.

Photo by Laura Adelmann

Metropolitan Council members met with Dakota County commissioners Nov. 10. and issue,� Bell said.

He predicted the reality of the huge costs of rail will soon cause officials in the region and country to consider BRT. Bell said the Met Council is already struggling financially, with a $62.4 million deficit in fiscal year 2010-11, caused in part because the state required the Met Council to fund Northstar operations but provided no additional levy.

In the previous two bienniums, the council’s budget was weighed down with a total of $50 million deficits, primarily because income expected from the Minnesota Motor Vehicle Sales Tax tanked as sales slowed.

Taxes paid on vehicle sales fund more than 30 percent of transit operations funding in the metro, according to the council.

However, most governmental entities, including Dakota County, are planning transportation systems designed to move people, not cars, reducing people’s dependence, and therefore need, for a car.

Bell said the Cash for Clunkers program did boost tax income for a while, but won’t have lasting effect. “We believe they simply cannibalized future sales, and so it pushed into this period automobile sales that would have taken place later,� he said.

Budget challenges

Photo by Laura Adelmann

Dakota County commissioners Paul Krause and Liz Workman discussed issues after a meeting with Metropolitan Council members.

The Met Council had projected $160 million of income in 2009 from MVST taxes, but has reaped about $117 million so far.

Looking forward, Bell said he’s concerned about the 2011 legislative session. “My fear ‌ is there will be huge pressure to reduce our general fund allotment,â€? he said, because the state is projecting a $4 billion to $6 billion state budget deficit, and none of the gubernatorial candidates are talking about tax increases.

Other budget challenges Bell outlined include the increased number of transit riders due to the economy, service increases, volatility in fuel pricing and health care costs.

Bell said the council will ask for $50 million in state bonding in 2010, with some

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Metro Mobility’s first hybrid electric vehicles are now on the road. The 15 new buses, purchased with federal stimulus dollars, replace 15 high-mileage diesel vehicles in the existing fleet. Metro Mobility is a public transportation service for people with disabilities and is operated by the Metropolitan Council.

The buses are equipped with wheelchair lifts and other safety features and cost $110,000 each. The funds to purchase the buses came from $70.6 million appropriated to the Council earlier this year by the Federal Transit Administration for metro-area transit projects. The bulk of the stimulus dollars for transit were used to purchase 90 buses for the Metro Transit fleet, 27 small buses for diala-ride service, and help reduce a projected transit shortfall. “The council fared very well under the stimulus program,� said Chair Peter Bell. “We not only secured new vehicles under this program, but vehicles that are more fuel efficient. That’s very much a priority for this council.�

Customers will easily be able to spot the new buses, which sport the service’s new striping and logo. The new graphics are more integrated with Metro Transit’s to better

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of the money paying to improve its bus garage by the Minnesota Twins new baseball park.

Dakota County is also seeking state bond funds to complete the BRT corridor.

The county’s planned 2010 state bonding requests include $17.7 million for acquiring right-of-way to expand Cedar Avenue’s shoulders to run buses, and $2 million to build a third lane on Cedar north of 138th Street through Apple Valley and Eagan. “We continue to see the Cedar BRT as our number one priority,� County Board Chair Kathleen Gaylord said.

Laura Adelmann is at dceditor@frontiernet.net.

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November 26, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Technical college to serve as pilot for nanoscience program NanoProfessor, a division of NanoInk Inc. focused on nanotechnology education, announced recently that Dakota County Technical College in Rosemount will serve as the pilot site of the NanoProfessor NanoScience Education Program.

The NanoProfessor Program combines NanoInk’s state-of-theart NLP 2000 Desktop Nanofabrication System with a studentfriendly AFM, a fluorescence microscope well-suited for the educational environment, and a timely curriculum written by nanotechnology experts covering the areas of Nanotechnology Basics, NanoPhysics, NanoChemistry, and NanoBiology.

NanoProfessor arms educators with a comprehensive program that can be implemented immediately in community colleges, technical schools, high schools, and universities to give students an edge to compete for high-tech jobs in a global

environment.

By implementing the NanoProfessor Program in the 2010 academic year, DCTC aims to offer students an education in nanoscience that can provide them with the knowledge and skills necessary to compete for the jobs of the future.

“Our mission at Dakota County Technical College is to provide our students with education and training that prepares them to compete in the rapidly-changing marketplace,” said Ronald E. Thomas, president of Dakota County Technical College, a member of the Minnesota State Colleges and Universities System. “We recognize the importance of nanoscience education, its many applications, and the advantage that the NanoProfessor Program will provide our students in preparation for future jobs in all areas of nanoscience.”

“Students enrolled in our nanotechnology program at DCTC will

benefit from the NanoProfessor’s curriculum, which is focused on concrete applications of nanotechnology,” said Deb Newberry, director of the nanoscience technology program at DCTC. “The suite of equipment also allows the concepts of nanotechnology such as molecular interactions to be explained and studied through hands-on experience rather than just charts and simulations.

Newberry said the NanoProfessor Program will help the school provide students with an unmatched education, giving them the skills and knowledge to find employment in companies that are applying nanotechnology to product development, testing, research, and manufacturing design.

“Dakota County Technical College is at the forefront of innovation in education,” said Dean Hart, executive vice president, NanoInk. “By implementing the NanoProfessor

Program into the school’s existing nanoscience technology program, students at DCTC will be provided with a comprehensive, hands-on education that will give them an edge when competing for jobs in the numerous industries where nanoscience applications are rapidly emerging.”

According to Career Voyages, a Web site collaboration of the U.S. Department of Labor and U.S. Department of Education, careers in nanotechnology are second only to biotechnology in terms of current and future demand for skilled workers.

For students, knowing about these emerging industries can help formulate an educational path that will provide focus for college selection and career decisions, offering them an opportunity to be on the leading edge of a growing professional field.

Career Voyages also lists the

nanoscience technology program at DCTC as one of four, two-year programs nationwide helping to provide students with the necessary skills to gain employment in the field of nanotechnology.

Students participating in the NanoProfessor Program at DCTC will use interdisciplinary-focused, hands-on experiments to begin working at the nanoscale level.

These skills can be applied to careers in virtually every industry that are already using nanotechnology to enhance everyday products, ranging from printers and automobiles to cosmetics and sports equipment.

New nanotechnology-based applications are emerging every day including advancements in the fields of medicine and energy.

For more information on the NanoProfessor Program, call (847) 679-NANO (6266) or visit www.

NanoProfessor.net.

Council reluctantly OKs Farmer Highview Hills opens for residents tower in Red Oak Park Assistance

by John Gessner

DAKOTA COUNTY TRIBUNE

said LeeAnn Shoop, 3113 Red Oak Circle N. “You wouldn’t want a huge tower in the Heart of the City.

Please don’t put one in our neighborhood.”

Clear Wireless, which is placing antennas at 11 city-owned and privately owned sites in Burnsville, considered using a tower at nearby Mary, Mother of the Church. But that tower is 75 feet tall; the company needs 125 feet. If the tower were heightened, it wouldn’t meet setback requirements.

Clear Wireless is introducing its WIMAX wireless Internet service in Minnesota. Debra Weiss, who finds antenna locations for the company, said the Red Oak site is needed to complete a network that must be linked by line of sight.

“If I could have found an easier way, I would have done it,” Weiss said.

The city encourages “co-location” of antennas on structures such as water towers and collects rent for antennas on city facilities.

But three parts of town don’t have facilities high enough for Clear Wireless’ system, said a city staff report. The company is also looking to put towers at Neill Park and possibly Interlachen Park.

Shoop said she collected signatures from the neighborhood against the tower.

A neighborhood meeting on Oct. 21 drew four people, who supported the project, according to a staff report.

Over some residents’ objections, a reluctant Burnsville City Council approved on Nov. 17 construction of a 125-foot wireless communications tower in Red Oak Park.

Three residents living near the park at 12100 River Hills Drive spoke against the monopole tower.

But the proposal meets city requirements for a conditional use permit, and City Attorney Joel Jamnik said denying the request would run afoul of Federal Communications Commission regulations.

“Are you saying we can’t say no to this request?”

Council Member Charlie Crichton asked.

“On this one, that is correct,” Jamnik said.

If the council wants more restrictions on where communications towers can go, it should consider those before it has an application in hand, Jamnik said.

Council Member Mary Sherry called for a broader review.

“I want to explore how much more control we can have over this,” Sherry said, adding that city water towers are “loaded” with antennas.

“I have had concerns about the poles all over the place, because I don’t like seeing them,” Mayor Elizabeth Kautz said.

The Red Oaks neighbors say the monopole proposed

by Clear Wireless LLC will be an eyesore in the park.

“Red Oak Park is the John Gessner is at burnsville. heart of our neighborhood,” thisweek@ecm-inc.com.

It claims good people.

TREAT DEPRESSION #1 Cause of Suicide

http://www.save.org

Network offers aid Agribusiness in Minnesota is big business often run by families.

Now, farm families have a new statewide resource network to help them address difficult financial challenges they may be facing.

The Minnesota Farmer Assistance Network provides financial guidance, technical assistance and mentoring to farm families facing economic hardship.

By calling the toll-free MFAN helpline, (877) 898MFAN, farmers will be connected to resources such as farm business management instructors, extension educators and other expert financial analysts.

MFAN will also help farmers find legal guidance, tax advice and 24-hour crisis counseling.

“MFAN is a streamlined network designed to get farm families on the road to recovery,” says Minnesota agriculture commissioner Gene Hugoson. “MFAN analysts will assess each situation and match these producers with the right person or program that can help them.”

MFAN was established to address a downturn in the farm economy due to low prices and declining demand for some commodities.

The new resource network is administered by the Minnesota Department of Agriculture’s Rural Finance Authority.

Farmers seeking assistance can in the Twin Cities metro area can call (651) 201MFAN (6326).

For more information, visit www.mda.state.mn.us/ mfan.

Photo submitted

Highview Hills by Walker, a 225,000-square-foot, $32 million senior living facility, held a grand opening celebration in Lakeville after it opened in October. The facility is the first of its kind for seniors in Lakeville, offering both independent and assisted living apartments as well as memory care.

Ritchie introduces election reform Secretary of State Mark Ritchie unveiled a redesign of absentee ballot envelopes and instructions recently that aim to streamline Minnesota’s absentee ballot process with the goal of helping more voters successfully cast their ballots in elections while maintaining election integrity safeguards, according to a press release from his office.

The secretary of state has asked that these redesigns be incorporated and approved through the Minnesota Rules process.

“While Minnesota’s election system is considered one of the best in the nation, the 2008 election and recount experience yielded valuable lessons on how we can improve that system,” Ritchie said.

“Redesigning absentee ballot envelopes and instructions is a common-sense solution that helps to eliminate errors voters typically make that result in their ballots being rejected.”

The redesign is the culmination of discussions and rec-

ommendations provided by voters, election officials and usability experts since December 2008.

“I held more than 35 meetings across Minnesota asking for input on how we can make our system even better,” Ritchie said. “These discussions resulted in election reform proposals considered by the Legislature last year and proposed administrative rules.

I am so thankful for the continued wealth of insight and perspective from local election officials and voters, and their eagerness to work with this office to improve Minnesota’s election system.”

The redesign of the absentee ballot envelope and instructions incorporates the following improvements: • More instructions using plain language and clear format • An inventory of materials voters will need to complete their absentee ballots • Primary-specific instructions removed from general election materials to

reduce confusion • Clear labeling of absentee ballot materials • Guidance to voters on how to correct mistakes on their ballots • Step-by-step illustrations • Visual cues that direct voters where to sign their names • Redundant instructions on the absentee envelopes to remind voters of requirements • Additional instructions for people with disabilities “These positive changes clarify absentee-voter requirements by making voter instructions more user-friendly and easy to understand,” Ritchie said.

The secretary of state published a notice of intent to adopt these rules in the state register July 17, 2009. The full rules proposal was published in the state register Nov. 16, which triggers the start of a 30-day public comment period. A conclusion to the rules process is expected in March 2010.

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY November 26, 2009

Businesses exhibit at Dakota County chamber after hours Over 400 business professionals from all over Dakota County were eager to get to know the 50 businesses exhibiting at the annual County Wide Chamber After Hours Networking Tradeshow.

Held Thursday, Nov. 10, 2009 at the Clarion Hotel in South Saint Paul this networking tradeshow an event that continues to gain attendance and provide benefit the business community and general public.

This is the largest networking tradeshow in the area, a partnership presented by the six chambers of commerce in Dakota County.

Josh Beran with PCE Packaging, Inc in Rosemount, a new Dakota County Regional Chamber member and first-time participant at the event commented, “What an exceptional event! The energy in the room was so positive.

And with drinks and great food, our first big event with the Chamber was a huge success.”

Past exhibitor, GR Promotions, sales executive Lisa Miller said, “The County Wide Chamber event

Photo submitted

Apple Title was among the 50 businesses exhibiting at the annual County Wide Chamber After Hours Networking Tradeshow on Nov. 30. proved to be very successful.

We got a lot of exposure to people and companies in many different chambers, that we don’t always have the opportunity to get in front of. We will continue to partake every year.”

This event was free and open to the public and as always all in attendance were

treated to delectable hors d’oeuvres, give-aways and door prizes awarded by exhibiting businesses.

The Dakota County Regional Chamber of Commerce is a regional chamber serving the communities of Eagan, Farmington, Hampton, Lilydale, Mendota, Mendota Heights, Rose-

Fastsigns of Inver Grove Heights was among the 50 businesses exhibiting at the annual County Wide Chamber After Hours Networking Tradeshow on Nov. 30.

Photo submitted

Sports medicine on display

Photo submitted

mount, Sunfish Lake and West St. Paul, and the townships of Castle Rock, Empire, and Eureka.

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

13A

Spice up your marketing information at the library When you’re looking for information on the newest business trend or ideas to spice up your marketing, where can you turn?

Your public library is one of the best values around for business information, according to a release from the Farmington Economic Development Department.

The Dakota County Farmington Library has many free print and electronic resources to help with all aspects of business.

• New books like “Guerilla Marketing in 30 Days” will keep businesses informed about current trends.

• Search online for recent articles on marketing in tools like EBSCO Business Source Premier.

• Recently added materials are highlighted on the Business & Finance subject guide on the Dakota County Li-

brary Web site.

• Search the library’s catalog for business topics of all kinds. Materials not currently available at the Farmington Library may be requested from other locations.

• Find the information you need by visiting the Farmington Library or logging on to the Dakota County Library Web site at www.dakotacounty.us/library. A library card and PIN are required to access most of the tools.

Public Internet workstations and wireless Internet access at the library keep business people connected.

For more information and research assistance, call (651) 438-0250. The library is located at 508 Third St. Hours are 12 noon–8:30 p.m. Monday, Tuesday and Wednesday, and 10 a.m.–5:30 p.m. Thursday through Saturday.

McDonald’s of Burnsville has grand opening Nov. 25 Burnsville McDonald’s opened its new restaurant location Wednesday, Nov. 25 at 4 a.m.

The enhanced restaurant design aims to benefit residents through improved customer conveniences and a contemporary dining experience.

The restaurant at 14200 Grand Ave. S. is billed as having dramatic changes to the interior and exterior of the building reflecting an upscale and contemporary decor.

A double drive-thru and cashless payment options aim to make it easier for customers to enjoy a quality meal quickly and easily.

The rebuilt store features a ‘Simply Modern’ interior, one of McDonald’s new design schemes, which is touted as offering guests a tranquil and cosmopolitan experience.

“McDonald’s evaluated the design, the services we offer and considered the amenities most important to our customers,” said Jan Lake, operations supervisor.

The design scheme uses contemporary colors to evoke a young adult feel, featuring traditional architectural materials and accents. The bright, revitalized order counter area is an important aspect of the customer’s visit.

Quick dining is provided with stools, raised table tops and adjacent media. A lounge area provides space for lingering customers and large comfortable booths with high backs allow families a comfortable space for dining.

Approximately 70 percent of all McDonald’s restaurants worldwide are owned and operated by independent franchisees.

Belle Ami turns on the style

Photo submitted

During a chamber event in October, Lakeville Chamber of Commerce board member Roz Belle Ami Salon and Spa owners Candace Pellinen of Lakeville and Janette Farrington Peterson talks with Scott Richardson of the Center for Sports Medicine and Rehabilita- of Apple Valley held a grand opening celebration at their new business at 20730 Holyoke tion, which is part of the Northfield Hospital’s clinic in Lakeville.

Ave., Lakeville. The salon and spa offers hair cuts and styling, manicures, facials and massages among other services. For more information, call (952) 985-8843.

14A

November 26, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Calendar To submit an item for the • Wednesday, Dec. 9, Calendar, e-mail it to darcy. 11:30 a.m. to 1 p.m., Holiday odden@ecm-inc.com or fax Luncheon at Old Chicago.

(952) 846-2010.

Fee: $15/members, $20/nonmembers. Information: info@ Date-specific applevalleychamber.com.

Dakota County RegionBurnsville Chamber of al Chamber of Commerce Commerce events: events: • Tuesday, Dec. 1, 8 to 9 • Thursday, Nov. 26, and a.m., Chamber 101. RSVP: Friday, Nov. 27, DCR office travis@burnsvillechamber. closed for Thanksgiving holi- com or anne@burnsvilleday. chamber.com.

• Monday, Nov. 30, 7 to 8 • Thursday, Dec. 3, 6 to p.m., Edward Jones recruit- 11 p.m., Holiday Rocks Exment meeting for women travaganza - Chamber Gala, seeking careers as financial Brackett’s Crossing Country advisors, Axel’s Bonfire, 1424 Club, 17976 Judicial Road, Weir Drive, Woodbury. In- Lakeville. Live music, roulette formation: Jonay Meyer (651) and craps, gourmet dinner, 322-2905. annual awards. Fee: $40. In• Wednesday, Dec. 2, 7:30 formation: Travis Martinson to 9 a.m., Small Business at travis@burnsvillechamber.

Learning Series “Introduce com.

Yourself with Power,” DC • Tuesday, Dec. 8, 7:30 to Chamber office. Fee: $10 9 a.m., State of the District members, $15 nonmembers. Breakfast, Diamondhead Register by Nov. 25. Infor- Education Center, 308 W. mation: Amanda Franklin, Burnsville Parkway, Burnsafranklin@dcrchamber.com. ville. Fee: $15. Information: • Thursday, Dec. 3, 7:30 Travis Martinson, travis@ to 8:30 a.m., Holiday Buzz, burnsvillechamber.com, or WorkForce Center of Dakota Anne Haberman,anne@ County, 110 B&C, 1 West burnsvillechamber.com.

Mendota Road, West St. Paul.

Lakeville Area Chamber Information: Amanda Frank- of Commerce events: lin, afranklin@dcrchamber.

• Thursday, Nov. 26, and com.

Friday, Nov. 27, office closed • Thursday, Dec. 3, 5:30 to for Thanksgiving.

7:30 p.m., Farmington Holi• Wednesday, Dec. 2, 7:30 day After Hours, Anchor to 8:30 a.m., Breakfast Brew Bank, 342 Oak St., Farm- at Cracker Barrel. ington. Light appetizers and • Thursday, Dec. 10, 4:30 beverages will be served. In- to 6:30 p.m., Business After formation: Amanda Franklin, Hours at Highview Hills by afranklin@dcrchamber.com. Walker.

Apple Valley Chamber of Stacey Brown, Edward Commerce events: Jones financial advisor, • Thursday, Nov. 26, office 3420 150th St. W., Suite 103, closed for Thanksgiving.

Rosemount. (651) 322-2905, • Thursday, Dec. 1, 7:30 to stacey.brown@edwardjones.

9 a.m., Coffee Connection, com. Calendar: Sam’s Club, 14940 Florence • Monday, Nov. 30, 6 p.m., Trail. Information: info@ap- Women Wine and Cheese plevalleychamber.com.

Night. Informational meet-

ing on Edward Jones for women who are interested in the financial industry.

• Wednesday, Dec. 2, 6 to 8 p.m., “Outlook and Opportunities: 10 Reasons to Be a Long-term Bull” seminar, Old Chicago, 14998 Glazier Ave, Apple Valley. RSVP to (651) 322-2905 by Nov. 25.

District 196 Community Education Career & Business Calendar: • Monday, Nov. 30, 6:30 to 8:30 p.m., Microsoft Excel: Getting Started. $39. Rosemount Middle School, 3135 143rd St. W., Rosemount.

Register online at www.district196.org/ce or call (651) 423-7920.

• Saturday, Dec. 5, 9 a.m. to 1 p.m., Introduction to Dreamweaver. $59. Eastview High School, 6200 140th St. W., Apple Valley. Register online at www.district196. org/ce or call (651) 423-7920.

• Monday, Dec. 7, 6:30 to 8:30 p.m., Microsoft Excel: Formatting Spreadsheets. $35. Rosemount Middle School, 3135143rd St. W., Rosemount. Register online at www.district196.org/ce or call (651) 423-7920.

Ongoing Dakota Business Partners (networking group) meets every Tuesday at 8:30 a.m. at Enjoy! Restaurant in Apple Valley. For more information call at (651) 2165406.

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

Creative Networking Professionals (CNP) is a nonprofit business network-

ing organization established in November 2003. The group meets at JoJo’s Rise and Wine in Burnsville from 8 to 9 a.m. the first and third Tuesday of each month. CNP is currently looking to add members to its group of 16 members. Only one person from each professional specialty is permitted to join. All participants should represent their primary occupation, not a part-time business. First two visits are free; thereafter the cost is $50 per year to cover overhead expenses.

Contact Jeffrey L. Rothmeyer at (651) 463-8300 to find out if your profession is still available.

Network Unlimited, a professional networking chapter, meets Tuesdays from 4:30 to 5:45 p.m. at Cherokee Sirloin Room, Cliff Road and Nicols Road, Eagan. To see if your category is open go to www.NetworkUnlimited.org.

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

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

Professional Referral Exchange of Burnsville meets every Wednesday for breakfast at Denny’s Restaurant.

Meetings begin at 7 a.m. For more information, contact Jo Baecker, area director, at (612) 618-5347 or visit the Web site www.prorefx.com.

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

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

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

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

Grapevine Network “Common Denominator” Group meets Tuesdays from 7:30-8:45 a.m. at Coldwell Banker Burnet, 190 Cobblestone Lane, Burnsville. For information, call (952) 7465611 or visit www.thegrapevinenetwork.com.

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

thegrapevinenetwork.com.

Kingdom Advisors members meet monthly for fellowship, training, networking, prayer, and sharing of best practices. Ron Blue or other recognized speakers (via DVD) cover a topic each month helping members integrate and apply Biblical financial wisdom into their professional advice. Visitors welcome. The S Metro Group meets at Family Financial Services, 151 W. Burnsville Parkway, Burnsville, from 7:30 to 9 a.m. on the fourth Tuesday of each month. POC is Jeff Robinson at (952) 890-6611. The SE Metro Group meets at 2918 Upper 55th St., Inver Grove Heights, the first Thursday of each month from 12 noon to 1 p.m. (bring your lunch).

POC is Ginger Ewing at (651) 389-1177.

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

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

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

yan Lane, Rosemount.

Glitter & Rocks, 14286 Bloomfield Court, Rosemount.

Platform 3000, Inc., 15215 Boulder Trail, Rosemount.

Xela IS, Inc., 15215 Boulder Trail, Rosemount. iFAB-ulous, Inc., 15215 Boulder Trail, Rosemount.

Xela SC, Inc., 15215 Boulder Trail, Rosemount.

Xela BIO, Inc., 15215 Boulder Trail, Rosemount.

Day-to-Day Photography, 16977 Galleon Circle, Lakeville.

Another Locksmith, 925 Southview Blvd., South St. Paul.

New Life Cleaning Services, 100 Thompson Ave. W. #307, West St. Paul.

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

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

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

KRD Designs, 799 Sibley Memorial Highway, Mendota Heights.

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

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

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

Costume Giant, 719 Cheyenne Lane, Mendota Heights.

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

Slater Environmental, 3290 Heritage Lane, Eagan.

Cornerstone Cleaning Company, 3310 Alden Pond Lane, Eagan.

Enterprise Holdings, 2775 Blue Waters Road, Eagan.

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

Voyageur, 860 Blue Gentian Road #265, Eagan.

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

Netrix IT, 1285 Corporate

Center Drive, Eagan.

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

Bear Creative, 3673 Ashbury Road, Eagan.

Wagging Tails Pet Resort, 3275 Sun Drive, Eagan.

Air Hoody Enterprises, 1467 Richards Court, Eagan.

PDN Computer Solutions, 4534 Cinnamon Ridge Trail, Eagan.

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

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

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

GCS Title, 1915 Plaza Drive #201, Eagan.

Global Title, 1915 Plaza Drive #210, Eagan.

Abbott Properties, 1733 Bluebill Drive, Eagan.

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

Denmark Family Dental, 3436 Denmark Ave., Eagan.

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

Adminasport, 3795 Briarwood Lane, Eagan.

Veteran Home Inspections, 759 Cougar Drive, Eagan.

Blazer Volleyball Club, 4559 Horizon Circle, Eagan.

Word Garden Design, 4513 Oak Pond Road, Eagan.

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

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

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

Atlantic Spirit Getaways, 14260 Glencove Path, Apple Valley.

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

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

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

EnvyMe Entertainment, 17040 Embers Ave., Lakeville.

SPS Contracting, 18954 Embry Ave., Farmington.

Beads Indeed, 1003 Honeysuckle Lane, Farmington.

Old Crow Studio, 5964 200th St. W., Farmington.

Sue Pariseau Pottery, 5964 200th St. W., Farmington.

Prime Designs, 21075 Eaton Ave., Farmington.

Id & Ego Creations, 436 Tamarack Trail, Farmington.

Benjamin Franklin, 1904 Vermillion St., Hastings.

Blackbird Tile, 1511 Florence St. #1, Hastings.

JT Carpet Care, 1130 Bahls Drive #263, Hastings.

Jaguar Blu Graphic De-

sign, 20405 Howland Ave. W., Lakeville.

Renters Network, 20029 Heritage Drive, Lakeville.

Dream Home Inspections, 17692 Isleton Court W., Lakeville.

South of the River Carpet Cleaning, 7923 170th St. W., Lakeville.

Norcia Design Solutions, 18183 Lansford Path, Lakeville.

Management Logics, 16627 Kentucky Ave., Lakeville.

Envisage Accessories, 18839 Irvona Ave., Lakeville.

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

Commercial Mortgage Modification Corporation, 17595 Kenwood Trail, Lakeville.

Welcome Home Property Management, 8459 173rd St. W., Lakeville.

Valley Lawn Maintenance, 16865 Javelin Ave., Lakeville.

Arcwerx Illustration & Graphic Design, 14398 Ban-

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY November 26, 2009

15A

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

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

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

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

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

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

Downtown Lakeville Business Association

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

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

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

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

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

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

City Governments

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

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PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE 2010 Dakota County Change in Start Time of December Notice of Hearing by Publication NOTICE TO SUMMONS NOTICE OF MORTGAGE

Community Development Agency (CDA) Board of Commissioner Meetings The CDA Board of Commissioners regular meetings shall be held the 2nd Tuesday of each month in the Board Room of the CDA office building at 1228 Town Centre Drive, Eagan, MN 55123 . The annual meeting, to be held the same day as the regular January board meeting shall begin at 3:15 p.m.

All regular meetings shall begin at 3:30 p.m. The dates of the 2010 meetings are listed below: January 12, 2010 February 9, 2010 March 9, 2010 April 13, 2010 May 11, 2010 June 8, 2010 July 13, 2010 August 10, 2010 September 14, 2010 October 12, 2010 November 9, 2010 December 14, 2010 1987848 11/26/09

PUBLIC NOTICE

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

1. State the exact assumed name under which the business is or will be conducted: Victory Lacrosse.

2. State the address of the principal place of business: 13973 W. Virginia Ct, Savage, MN 55378 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.

Timothy Ranagan, 13973 W. Virginia Ct, Savage, MN 55378 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath.

Date May 07, 2009 Timothy Ranagan 1980747 11/19-11/26/09

PUBLIC NOTICE Notice of Public Sale:

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

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

PUBLIC NOTICE

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: Taylor Design Solutions 2. State the address of the principal place of business: 123 5th Ave N., South St. Paul, MN 55075 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address.

Ryan Taylor, 123 5th Ave N., South St. Paul, MN 55075 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath.

Date 10/30/2009 Ryan Taylor, Owner 1980006 11/19-11/26/09

8, 2009 Dakota County Community Development Agency (CDA) Board of Commissioners Meeting The Dakota County Community Development Agency's (CDA) bylaws have been revised and all future CDA Board Meetings will begin at 3:30 p.m.

The December 8, 2009 Dakota County CDA Board of Commissioners meeting to be held at the Dakota County CDA office building, 1228 Town Centre Drive, Eagan, MN 55123, originally scheduled to start at 5:30 p.m. will begin at 3:30 p.m.

1987839 11/26/09

PUBLIC NOTICE

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

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

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

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

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

PUBLIC NOTICE NOTICE AND ORDER

TO MINN. STAT. § 501B.18 STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT CIVIL DIVISION COURT FILE NO. 19C7-02-010235 In the Matter of the Carol Ann Carney Special Needs Trust Agreement, dated February 26, 2002, STATE OF MINNESOTA. IT IS ORDERED AND NOTICE IS GIVEN that a Petition signed by Roxy M. Bracewell dated Oct. 19, 2009 having been filed with the Court. The Petition requests an order for the following relief: 1. Confirming appointment of ROXY M. BRACEWELL as Trustee from the date of the opening of this file, accepting the resignation of the said ROXY M. BRACEWELL, and appointing JOHN E. TROJACK as successor Trustee of the said Trust.

2. Allowing the Final Account of the said Trustee, ROXY M. BRACEWELL, and upon the filing of a receipt of assets from the Successor Trustee, JOHN E. TROJACK, that the said ROXY M. BRACEWELL be discharged along with his surety in the above matter.

3. Specifying the manner in which the said Successor Trustee shall qualify as Trustee of the Trust, and 4. Approving payment from the Trust of the reasonable attorney’s fees and expenses connected with this proceeding, and 5. Granting such other relief as may be proper.

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

IT IS ORDERED, that the Petition be heard on 12/17/09, at 9 a.m. by this Court at 1560 Hwy 55, Hastings, Minnesota.

1. Notice shall be given by: a. Mailing a copy of this Notice and Order for Hearing to all persons named in the Petition as having or who may claim to have an interest in the Trust, at their last known addresses by U.S. Postal Service at least 15 days prior to the hearing date, and, b. Publishing this Notice and Order for Hearing one time at least 20 days prior to the hearing date in a legal newspaper of Ramsey County, Minnesota.

Date 11/5/09 Richard G. Spicer Judge (COURT SEAL) John E. Trojack, Attorney 1549 Livingston Avenue, Suite 101 West St. Paul, MN 55118-3420 Telephone: (651) 451-9696 Fax: (651) 451-9786 Attorney License No. 110929 1989598 11/26/09

(Minn. Stat. § 518B.01, subd. 8) State of Minnesota County of Dakota District Court First Judicial District Court File Number: 19AV-FA-09-4327 Case Type: Domestic Abuse In the Matter of: Shantaye Roberson & obo minor, Petitioner vs.

David Devore Harris, Respondent.

To Respondent named above: An order has been issued directing you to appear at Western Service Center, 14955 Galaxie Ave., Apple Valley, MN on December 28, 2009 at 9:00 a.m. and explain why the relief sought in the Petition for the Order for Protection should not be granted.

You may obtain a copy of the Petition and any order issued from the court from the Dakota (Apple Valley) 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 Nov. 23, 2009 Carolyn Renn Court Administrator Pam Schadegg Deputy 1990787 11/26/09

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

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

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

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

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

PUBLIC NOTICE PUBLIC NOTICE NOTICE OF SALE

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: SEARS AUTHORIZED RETAIL DEALER 2. State the address of the principal place of business: 3420 150TH ST. WEST, STE. 109, ROSEMOUNT, MN 55068 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address.

ROSEMOUNT ENTERPRISES, LLC 3420 150TH ST. WEST, STE. 109, ROSEMOUNT, MN 55068 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath.

Date 9/2/09 STEVE TITUS, MEMBER 1982280 11/19-11/26/09

PUBLIC NOTICE NOTICE OF AND ORDER

FOR HEARING ON PETITION FOR FORMAL ADJUDICATION OF INTESTACY, DETERMINATION OF HEIRS, FORMAL APPOINTMENT OF PERSONAL REPRESENTATIVE, AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT Court File No.: 19HA-PR-09-718 In Re: Estate of Verna Margaret Speldrick, Decedent.

It is Ordered and Notice is given that on December 28, 2009 at 9:00 a.m., a hearing will be held in this Court at the Dakota County Judicial Center, 1560 Highway 55 West, Hastings, Minnesota 55033, for the adjudication of intestacy and determination of heirs of the decedent, and for the appointment of Craig A. Speldrick, whose address is 7133 Blake Path, Inver Grove Heights, Minnesota 55076, as personal representative of the decedent’s estate in an unsupervised administration.

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

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

Dated: 11-17-09

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

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

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

PUBLIC NOTICE NOTICE OF AND ORDER

FOR HEARING ON PETITION FOR FORMAL PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT Court File No.: 19HA-PR-09-702 In Re: Estate of Dolores Ann Johnson, Decedent.

It is Ordered and Notice is given that on Dec. 14, 2009 at 9:00 a.m., a hearing will be held in this Court at 1560 W. HWY 55, Hastings, Minnesota, on a petition for the formal probate of an instrument purporting to be the decedent’s Will dated February 26, 1976, and for the appointment of Elizabeth Gray Knisley, whose address is 2001 Braddock Court, Alexandria, VA 22304, as personal representative of the decedent’s estate in an unsupervised administration.

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

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

Dated: 11-10-09

BY THE COURT Thomas Poch Judge of District Court John S. Fredericksen, Esq. MN #0319971 3624 Woodland Trail Eagan, MN 55123 Telephone: (651) 681-3948 Facsimile: (651) 681-3911 email: jfredericksen@comcast.net 1980084 11/19-11/26/09P

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

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

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

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

Dated: November 4, 2009.

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

PUBLIC NOTICE ORDER FOR

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

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

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

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

PUBLIC NOTICE

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

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

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

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

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

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

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

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

ASSIGNMENTS OF MORTGAGE: Assigned to: Bank of America, National Association as successor by merger to LaSalle Bank NA, as trustee for Washington Mutual Mortgage Pass-Through Certificates WMALT Series 2007-OC1 Trust, Dated: November 5, 2008, Recorded: May 6, 2009, Document No. 2654936. And thereafter assigned to: Bank of America, National Association as successor by merger to LaSalle Bank NA, as trustee for Washington Mutual Mortgage Pass-Through Certificates WMALT Series 2007-OA4 Trust, Dated: September 15, 2009 TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Washington Mutual Bank, FA RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association as successor in interest to Washington Mutual Bank MORTGAGED PROPERTY ADDRESS: 2406 Rushmore Road, Hastings, MN 55033 TAX PARCEL I.D.#: 19-29702-310-03 LEGAL DESCRIPTION OF PROPERTY: Lot 31, Block 3, Glendale Heights 3rd Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $203,020.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $233,533.51 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: December 17, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 17, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 22, 2009.

Bank of America, N.A., trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-1603 3013413806 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1958831 10/29-12/3/09

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PUBLIC NOTICE Notice of Public Sale: SS MINNE-

SOTA, LLC, doing business as Simply Self Storage intends to enforce its lien on certain personal property belonging to the following, at the facility. The sale will take place (unless otherwise withdrawn) on Wednesday December 9, 2009 on or after 10am at the Simply Self Storage location at 801 Lady Bird Ln, Burnsville, MN 55337. Phone 952-890-4888. This public sale will result in the goods being sold to the highest bidder. Certain terms and conditions apply.

L. Nelson #542-543 vinyl's, bikes, grills L. Nelson #548-549 luggage, TV, furniture 1992057 11/26-12/3/09

PUBLIC NOTICE

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: SERENITY INTERIORS 2. State the address of the principal place of business: 1450 RICHARDS COURT, EAGAN, MN 55122 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.

DIANE L. MOYER, 1450 RICHARDS COURT, EAGAN, MN 55122 4. I certify that I am authorized to sign this certificate and I further certify that I understand that by signing this certificate, I am subject to the penalties of perjury as set forth in Minnesota Statutes section 609.48 as if I had signed this certificate under oath.

Date NOVEMBER 3, 2009 DIANE L. MOYER Decorating Consultant 1981116 11/19-11/26/09

PUBLIC NOTICE ORDER FOR HEARING

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

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

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

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

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

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

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PUBLIC NOTICE MINNESOTA PUBLIC NOTICE PUBLIC NOTICE PUBLIC NOTICE SECRETARY OF STATE Notice of Issuance of Harassment NOTICE OF SALE Notice of Public Sale

Order For Relief by Publication State of Minnesota County of DAKOTA District Court FIRST Judicial District Court File Number: 19WS-CV-09-1841 Case Type: Harassment M A R Y C O L L E E N P H I L B L A D , P e t itioner(s) vs.

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

A hearing is scheduled for DECEMBER 15, 2009 AT 9:00 A.M. AT DAKOTA COUNTY DISTRICT COURT, 1 MENDOTA RD W #140, WEST ST PAUL, MN AT 9:00 A.M. Failure to appear at a scheduled hearing or to obtain a copy of the Harassment Order For Relief will not be a defense to prosecution for violation of the Court’s order.

Date NOVEMBER 17, 2009 CAROLYN M. RENN Court Administrator LORI SCHNEPF SENIOR COURT CLERK 1989383 11/26/09

PUBLIC NOTICE FORTY DAY SUMMONS

STATE OF WISCONSIN MILWAUKEE COUNTY

CIRCUIT COURT Case No. 09-CV-14052 Code No. 30404 Foreclosure of Mortgage Dollar Amount Greater Than $5,000.00 Hon. Judge William H. Sosnay WISCONSIN HOUSING AND ECONOMIC DEVELOPMENT AUTHORITY, 201 West Washington Avenue, #700 Madison, Wisconsin 53701, Plaintiff, vs.

TENISHA L. BOWMAN and JOHN DOE, unknown spouse of Tenisha L. Bowman 2322 West Lawn Avenue Milwaukee, WI 53209 THE WISCONSIN PARTNERSHIP FOR HOUSING DEVELOPMENT, INC. c/o William C. Perksins 121 South Pinckney Street, Suite 200 Madison, WI 53703 CITIFINANCIAL, INC. c/o CT Corporation System 8040 Excelsior Drive Suite 200 Madison, WI 53717 CHRYSLER FINANCIAL SERVICES AMERICAS, LLC. f/k/a Daimler Chrysler Financial Services Trust c/o The Corporation company 30600 Telegraph Road Suite 2345 Bingham Farms, MI 48025 Defendants.

THE STATE OF WISCONSIN, TO : TENISHA L. BOWMAN and JOHN DOE, unknown spouse of Tenisha L. Bowman 12810 Morgan Avenue South Burnsville, MN 55337 -or2322 West Lawn Avenue Milwaukee, WI 53209 Y o u a r e h e r e b y n o t i f i e d that the plaintiff named above has filed a lawsuit or other legal action against you.

The complaint, which is also served upon you, states the nature and basis of the legal action.

Within 40 days after November 12, 2009, 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: Clerk of Circuit Court Milwaukee County Courthouse 901 North Ninth Street Milwaukee, WI 53233 and to O'Dess and Associates, S.C., Plaintiff's attorneys, whose address is: O'Dess and Associates, S.C. 1414 Underwood Avenue, Suite 403 Wauwatosa, Wisconsin 53213 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.

O'DESS AND ASSOCIATES, S.C. Attorneys for Plaintiff By: M. ABIGAIL O'DESS Bar Code No. 1017869 POST OFFICE ADDRESS: 1414 Underwood Avenue, Suite 403 Wauwatosa, WI 53213 (414) 727-1591 O'Dess and Associates, S.C., is attempting to collect a debt and any information obtained will be used for that purpose.

If you have previously received a Chapter 7 Discharge in Bankruptcy, this correspondence should not be construed as an attempt to collect a debt.

1972898 11/12-11/26/09

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

1. State the exact assumed name under which the business is or will be conducted: TOUCH OF HOME FURNISHINGS. 2. State the address of the principal place of business: 1998 HIGHWAY 13 EAST, BURNSVILLE, MN 55337 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address.

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

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

PUBLIC NOTICE Notice of Hearing by Publication

(Minn. Stat. § 518B.01, subd. 8) State of Minnesota County of DAKOTA District Court 1st Judicial District Court File Number: 19AV-FA-09-4289 Case Type: Domestic Abuse In the Matter of: CHRYSTELLE KNAPP, Petitioner vs.

NICOLE KNAPP, Respondent.

To Respondent named above: An order has been issued directing you to appear at 14955 GALAXIE AVENUE, APPLE VALLEY, MN on DEC 21, 2009 at 9:00 a.m. and explain why the relief sought in the Petition for the Order for Protection should not be granted.

You may obtain a copy of the Petition and any order issued from the court from the DAKOTA COUNTY, APPLE VALLEY County Court Administrator’s Office.

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

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

Date NOVEMBER 23, 2009 CAROLYN RENN Court Administrator VALERIE BLOMQUIST Deputy 1991089 11/26/09

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-09-713 Estate of Raymond L. Corniea, a/k/a Raymond Leo Corniea, Decedent.

It is Ordered and Notice is given that on December 14, 2009 at 9:00 am, a hearing will be held in this Court at 1560 Highway 55, Hastings, Minnesota, for the formal probate of an instrument purporting to be the Will of the Decedent dated March 7, 1994 (“Will”), and for the appointment of Peggy Ann Corniea, whose address is 6940 Inverness Trail, Inver Grove Heights, MN 55077 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 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: 11-13-09

BY THE COURT Robert Carolan Judge of District Court (COURT SEAL) Attorney for Petitioner Angela M. Lutz Amann LeVander, Gillen & Miller, P.A. 633 South Concord Street, Suite 400 South St. Paul, MN 55075 Attorney License No: 249622 Telephone: (651) 451-1831 FAX: (651) 450-7384 Email: aamann@levander.com 1980650 11/19-11/26/09

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

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

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

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

Partial inventory: Big screen TV, gas grill, storage totes, jet ski, bike, extension ladder, kitchen table, clothes washer, refrigerator. Tag # 2522508 #14 Jay Traub, 2901 Blackstone Ave S St Louis Park, MN 55413 Partial inventory: Dodge Challenger l i c e n s e # 1 9 3 C C V I N # 2B3LJ74W09H527418, Harley Davidson license #35177MG VIN# 1HD1JK5108Y072309 Tag #2522860 # 49 Cliff Wangerin, 13442 Settlers Ridge Dr Burnsville, MN 55337 Partial inventory: Woodworking tools, hammer drill, desk, wheelbarrow, tires, job site toolbox Tag #2522519 #92 Louis Sorrell, 14923 Summit Circle NW Prior Lake, MN 55372 Partial inventory: TV, entertainment center, Dish Network equipment, surround sound, clothing, leather couch, patio furniture, luggage Tag #2522445 #214 Mark Olson, PO Box 375 Lakeville, MN 55044 Partial inventory: Leonard trailer MN registration # AASC423, Cargo King trailer license #CPT8511 VIN # 5LABE14273W042278 1992022 11/26-12/3/09

PUBLIC NOTICE PUBLIC NOTICE NOTICE AND ORDER OF HEARING

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

1. State the exact assumed name under which the business is or will be conducted: AmericasHomeBridge.com 2. State the address of the principal place of business: 3000 County Road 42W, Suite 310, Burnsville, MN 55337 3. List the name and complete street address of all persons conducting business under the above Assumed Name, OR if an entity, provide the legal corporate, LLC, or Limited Partnership name and registered office address.

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

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

PUBLIC NOTICE ORDER FOR

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

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

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

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

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

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

IT IS ORDERED that said petition be heard and the facts concerning such child be examined by the Court in the County Court Room, in the Court House, in Hastings, Minnesota, on December 16, 2009 at 8:30 am, or as soon thereafter as said matter can be heard; IT IS FURTHER ORDERED that notice hereof be given to the following named persons by 3 weeks publication in a legal newspaper as provided by law, viz: Prince Ra’Mone Williams.

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

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-09-712 Estate of Lillian D. Maas, Decedent.

It is Ordered and Notice is given that on December 14, 2009 at 9:00 am, a hearing will be held in this Court at 1560 West Highway 55, Hastings, Minnesota, for the formal probate of an instrument purporting to be the Will of the Decedent dated, September 13, 1973, (“Will”), and for the appointment of David V. Maas, whose address is 10269 Colorado Road, Bloomington, MN, 55438 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: 11-13-09

BY THE COURT Robert Carolan Judge of District Court Attorney for Petitioner Terrence A. Merritt Severson, Sheldon, Dougherty & Molenda, P.A. 7300 West 147th Street, Suite 600 Apple Valley, MN 55124 Attorney License No: 0072151 Telephone: (952) 953-8824 FAX: (952) 432-3780 Email: merrittt@seversonsheldon.com 1982322 11/19-11/26/09

PUBLIC NOTICE NOTICE AND ORDER FOR

HEARING ON PETITION FOR FORMAL PROBATE OF WILL AND APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT Court File No.: 19HA-PR-09-717 In Re: Estate of FLOYD R. NELSON, Decedent.

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

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

Notice is further given that, subject to Minn. Stat. § 524.3-801, all creditors having claims against the decedent’s estate are required to

present the claims to the personal representative or to the Court within four (4) months after the date of this notice or the claims will be barred.

Dated: 11-17-09

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

PUBLIC NOTICE NOTICE OF INFORMAL PROBATE

OF WILL AND INFORMAL APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT Court File No.: 19HA-PR-09-725 In Re: Estate of Michael Dennis Kovacs, Decedent.

Notice is given that an Application for Informal Probate of Will and Informal Appointment of Personal Representative was filed with the Registrar, along with a Will dated September 25, 2003. The Registrar accepted the application and appointed Beth M. Kovacs, whose address is 112 17th Avenue North, South St. Paul, Minnesota 55075, to serve as the personal representative of the decedent’s estate.

Any heir, devisee or other interested person may be entitled to appointment as personal representative or may object to the appointment of the personal representative. Any objection to the appointment of the personal representative must be filed with the Court, and any properly filed objection will be heard by the Court after notice is provided to interested persons of the date of hearing on the objection.

Unless objections are filed, and unless the Court orders otherwise, the personal representative has the full power to administer the estate, including, after thirty (30) days from the issuance of letters testamentary, the power to sell, encumber, lease or distribute any interest in real estate owned by the decedent.

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

Dated: November 19th, 2009 Carol M. Renn Registrar By: Joann Bauer Deputy Registrar Vance B. Grannis, Jr. (MN# 36821) Grannis & Hauge, P.A. 1260 Yankee Doodle Road, Suite 200 Eagan, Minnesota 55121 Telephone: (651) 456-9000 Facsimile: (651) 454-4232 ATTORNEY FOR PERSONAL REPRESENTATIVE 1992167 11/26-12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 21, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $232,000.00 MORTGAGOR(S): Patricia Gay Harris fka Patricia Gaye Buck a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: August 04, 2006 Dakota County Recorder, Document Number: 2450970 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100062604297649131 Lender or Broker: Homecomings Financial Network, Inc. Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 13340 Flagstaff Ave, Apple Valley, MN 55124-5329 Tax Parcel ID Number: 01-31001-080-01 LEGAL DESCRIPTION OF PROPERTY: Lot 8 Block 1 Greenleaf 2nd Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $271,980.39 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 10, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed

���������� �� ���� �����

��� �������� ��� ���� ������ ������ ������� REDUCED TO FIVE WEEKS IF A JUDI CIAL ORDER IS ENTERED UNDER ���������� ���� ��������� 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 June 10, 2010, or the next business day if June 10, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 22, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 005106F02 1949286 10/22-11/26/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 30, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $304,000.00 MORTGAGOR(S): Ann L. Maruska and John S. Maruska, Wife and Husband MORTGAGEE: Wachovia Mortgage FSB, f/k/a World Savings Bank, FSB DATE AND PLACE OF REGISTERING: Registered: November 22, 2006 Dakota County Registrar of Titles, Document Number: 601557 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Wachovia Mortgage FSB, f/k/a World Savings Bank, FSB Residential Mortgage Servicer: Wachovia Mortgage, FSB Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 105564 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1101 Woodland Trl, Northfield, MN 55057-5285 Tax Parcel ID Number: 43-16400-440-00 LEGAL DESCRIPTION OF PROPERTY: Lot Forty-four (44), Cannon Valley Estates, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $319,863.76 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 10, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDI-

MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 22, 2009 MORTGAGEE: Wachovia Mortgage FSB, f/k/a World Savings Bank, FSB Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007532F01 1949391 10/22-11/26/09

PUBLIC NOTICE NOTICE AND ORDER OF HEARING

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

It is Ordered and Notice is given that on December 28, 2009, at 9:00 a.m., a hearing will be held in this Court at 1560 Highway 55, Hastings, Minnesota, for the formal probate of an instrument purporting to be the Will of the Decedent dated, June 23, 2004, (“Will”), for the appointment of Gregory R. Baker and Jay K. Baker, whose addresses are 1770 58th Court East, Inver Grove Heights, MN 55077 and 8027 Homestead Avenue South, Cottage Grove, MN 55016, respectively, as Co-Personal Representatives of the Estate of the Decedent in an UNSUPERVISED administration, and distribution of non-probate assets. Any objections to the petitions must be filed with the Court prior to or raised at the hearing. If proper and if no objections are filed or raised, the Co-Personal Representatives will be appointed with full power to administer the Estate including the power to collect all assets, to pay all legal debts, claims, taxes and expenses, to sell real and personal property, and to do all necessary acts for the Estate.

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

Dated: 11-18-2009

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

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 25, 2008 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $204,000.00 MORTGAGOR(S): Janet M Arnold a single person MORTGAGEE: M & I Bank FSB DATE AND PLACE OF RECORDING: Recorded: May 12, 2008 Dakota County Recorder Document Number: 2589734 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: M & I Bank FSB Residential Mortgage Servicer: M & I Mortgage Corp.

Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 5376 172nd St W, Lakeville, MN 55024 T a x P a r c e l I D N u m b e r : 22-18103-704-05 LEGAL DESCRIPTION OF PROPERTY: Unit No. 704, Common Interest Community No. 402, Cornerstone Lake 4th Addition Condominiums, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $210,884.45 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 10, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and 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 June 10, 2010, or the next business day if June 10, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 22, 2009 MORTGAGEE: M & I Bank FSB Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006364F02 1949370 10/22-11/26/09

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-09-700 Estate of Dorman W. Atwood, Decedent.

It is Ordered and Notice is given that on 12-14-09, at 9:00 a.m., a hearing will be held in this Court at 1560 West Highway 55, Hastings, Minnesota, for the formal probate of an instrument purporting to be the Will of the Decedent dated, February 14, 1996, and codicils to the will, dated October 23, 1996, (“Will”), and for the appointment of Lucille J. Atwood, whose address is 17994 Judicial Road, Lakeville, MN, 55044 as Personal Representative of the Estate of the Decedent in an UNSUPERVISED administration. Any objections to the petition must be filed with the Court prior to or raised at the hearing. If proper and if no objections are filed or raised, the Personal Representative will be appointed with full power to administer the Estate including the power to collect all assets, to pay all legal debts, claims, taxes and expenses, to sell real and personal property, and to do all necessary acts for the Estate.

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

Dated: 11-10-09

BY THE COURT Thomas Poch Judge of District Court (COURT SEAL) Attorney for Petitioner Terrence A. Merritt Severson, Sheldon, Dougherty & Molenda, P.A. 7300 West 147th Street, Suite 600 Apple Valley, MN 55124 Attorney License No: 0072151 Telephone: (952) 953-8824 FAX: (952) 432-3780 Email: merrittt@seversonsheldon.com 1977854 11/19-11/26/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: May 15, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $230,400.00 MORTGAGOR(S): Mohamed Elbana and Meredith Salama, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: May 31, 2006 Dakota County Recorder, Document Number: 2433525 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100194450002138189 Lender or Broker: Fremont Investment & Loan Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1019 Wedgewood Ln N, Eagan, MN 55123-1986 Tax Parcel ID Number:

Tax Parcel ID Number: 10-83550-040-05 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 5, Wedgwood First Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $252,807.34 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 10, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 22, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 005312F02 1949419 10/22-11/26/09

PUBLIC NOTICE NOTICE OF INFORMAL PROBATE

OF WILL AND INFORMAL APPOINTMENT OF PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS STATE OF MINNESOTA COUNTY OF DAKOTA DISTRICT COURT FIRST JUDICIAL DISTRICT Court File No.: 19HA-PR-09-715 In Re: Estate of Alice Seifert, aka, Alice May Seifert, Decedent.

Notice is given that an Application for Informal Probate of Will and Informal Appointment of Personal Representative was filed with the Registrar, along with a Will dated May 25, 2000.

The Registrar accepted the application and appointed Linda D. Smith, whose address is 10379 Dixon Lane, Reno, NV 89511 to serve as the personal representative of the decedent’s estate.

Any heir, devisee or other interested person may be entitled to appointment as personal representative or may object to the appointment of the personal representative. Any objection to the appointment of the personal representative must be filed with the Court, and any properly filed objection will be heard by the Court after notice is provided to interested persons of the date of hearing on the objection.

Unless objections are filed, and unless the Court orders otherwise, the personal representative has the full power to administer the estate, including, after thirty (30) days from the issuance of letters testamentary, the power to sell, encumber, lease, or distribute any interest in real estate owned by the decedent.

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

Dated: November 16th, 2009 Carol M. Renn Registrar Joann Bauer Deputy Registrar John B. Bellows, Jr. Attorney at Law MN# 6452 55 East Fifth Street Suite 1100 Telephone: 651.291.1177 Facsimile: 651.291.1194 1982346 11/19-11/26/09

PUBLIC NOTICE PUBLIC NOTICE NOTICE OF MORTGAGE NOTICE OF MORTGAGE

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

Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $123,238.95 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 11, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

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

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

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: March 04, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $234,000.00 MORTGAGOR(S): Edward D. Hellekson, a single person MORTGAGEE: Optimum Mortgage Services, Inc. DATE AND PLACE OF RECORDING: Recorded: May 13, 2003 Dakota County Recorder, Document Number: 2046101 ASSIGNMENTS OF MORTGAGE: And assigned to: TCF Mortgage Corporation, Dated: March 04, 2003, Recorded: May 13, 2003 Dakota County Recorder, Document Number: 2046102 And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: May 01, 2006 Recorded: May 08, 2006 Dakota County Recorder, Document Number: 2426699 And assigned to: U.S. Bank, N.A., Dated: September 08, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001825346 Lender or Broker: Optimum Mortgage Services, Inc. Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 3782 Greensboro Dr, Eagan, MN 55123-2245 Tax Parcel ID Number: 10-30900-030-02 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 2, Greensboro First Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $224,972.33 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 19, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 19, 2010, or the next business day if May 19, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 01, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank, N.A. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 001672F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for November 19, 2009 at 10:00 AM has been postponed to December 10, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank, N.A. Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 001672F01 1986888 11/26/09

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PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 21, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $197,625.00 MORTGAGOR(S): James Bigalke, an unmarried man MORTGAGEE: Wachovia Mortgage, FSB fka World Savings Bank, FSB DATE AND PLACE OF REGISTERING: Registered: October 16, 2003 Dakota County Registrar of Titles, Document Number: 517938 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Wachovia Mortgage, FSB fka World Savings Bank, FSB Residential Mortgage Servicer: Wachovia Mortgage, FSB Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 129561 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 17179 Joplin Ave, Lakeville, MN 55044-9475 Tax Parcel ID Number: 22-64603-300-02 LEGAL DESCRIPTION OF PROPERTY: Lot 30, Block 2, Rolling Oaks South Plat Four, according to the recorded plat thereof, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $219,056.49 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 19, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 19, 2010, or the next business day if May 19, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 01, 2009 MORTGAGEE: Wachovia Mortgage, FSB fka World Savings Bank, FSB Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007719F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for November 19, 2009 at 10:00 AM has been postponed to December 17, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: November 19, 2009 MORTGAGEE: Wells Fargo Bank, N.A., successor by merger to Wells Fargo Bank Southwest, N.A. f/k/a Wachovia Mortgage, FSB f/k/a World Savings Bank, FSB Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007719F01 1986641 11/26/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 2 2 , 2003 MORTGAGOR: Gloria Kahler, a single person.

MORTGAGEE: CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Registered February 25, 2004, Dakota County Registrar of Titles, Document No. 0530841, Certificate of Title No. 118399.

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: 8745 134th Street West, Saint Paul, MN 55124 TAX PARCEL I.D.#: 01-18076-020-01 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 1, Cobblestone Manor 2nd Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $80,400.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $57,517.26 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 9, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 9, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 12, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2408 2001065714 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1949247 10/22-11/26/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: May 29, 2002 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $215,200.00 MORTGAGOR(S): Patrick L. Judd and Laurie A. Judd, husband and wife MORTGAGEE: Homestead Mortgage Corporation DATE AND PLACE OF RECORDING: Recorded: July 29, 2002 Dakota County Recorder, Document Number: 1920816 ASSIGNMENTS OF MORTGAGE: And assigned to: TCF Mortgage Corporation, Dated: May 29, 2002, Recorded: November 06, 2002 Dakota County Recorder, Document Number: 1956390 And assigned to: Mortgage Electronic Registration Systems, Inc.,

tronic Registration Systems, Inc., Dated: May 01, 2006, Recorded: May 10, 2006 Dakota County Recorder, Document Number: 2428023 And assigned to: U.S. Bank National Association, Dated: September 25, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001752540 Lender or Broker: Homestead Mortgage Corporation Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 16785 Firestone Way, Lakeville, MN 55044 Tax Parcel ID Number: 22-41750-040-03 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 3, Kilkenny Pond, according to the recorded plat thereof, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $207,239.48 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 10, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 22, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008969F01 1943651 10/22-11/26/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: April 23, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $73,500.00 MORTGAGOR(S): Vanessa L. Kahle and Steven R. Kahle, wife and husband MORTGAGEE: U.S. Family Mortgage Corporation DATE AND PLACE OF REGISTERING: Registered: June 07, 2004 Dakota County Registrar of Titles, Document Number: 538842 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank, N.A., Dated: April 23, 2004, Registered: June 07, 2004 Dakota County Registrar of Titles, Document Number: 538843 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: U.S. Family Mortgage Corporation Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 119541 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 14630 Garrett Ave Apt 511, Apple Valley, MN 55124-8440 Tax Parcel ID Number: 01-81401-167-01 (Unit no. 511) 01-81401-204-01 (Unit no. 20) LEGAL DESCRIPTION OF PROPERTY: Residential Unit No. 511 and Garage Unit No. 20, in Condominium No. 36, Garrett Square Condominium Homes AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $72,638.43

$72,638.43 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 10, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 22, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank, N.A. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006475F02 1943686 10/22-11/26/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: November 10, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $500,000.00 MORTGAGOR(S): Michael J. Ries and Pat Ries, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: July 07, 2008 Dakota County Registrar of Titles, Document Number: T630448 ASSIGNMENTS OF MORTGAGE: And assigned to: HSBC Bank USA, National Association, as Trustee, under the Pooling and Servicing Agreement dated February 1, 2004, Fremont Home Loan Trust 2004-A, Mortgage-Backed Certificates, Series 2004-A, Dated: June 08, 2009, Registered: July 08, 2009 Dakota County Registrar of Titles, Document Number: T646855 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1001944-5000077045-4 Lender or Broker: Fremont Investment & Loan Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 74561 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 19245 Michael Ave, Hastings, MN 55033-8611 Tax Parcel ID Number: 25-02200-030-01 LEGAL DESCRIPTION OF PROPERTY: The East Half of the Northeast Quarter (E 1/2 of NE 1/4) of Section Twenty-two (22), Township One Hundred Fourteen (114), Range 17 described as: The North 650.27 feet of the East 565.00 feet of the Southeast Quarter of the Northeast Quarter (SE 1/4 of NE 1/4) of Section 22, Township 114, Range 17, Dakota County, Minnesota, and The South 200.00 feet of the east 341.00 feet of the Northeast Quarter of the Northeast Quarter (NE 1/4 of NE 1/4) of Section 22, Township 114, Range 17, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $493,804.14 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold

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������ ������ ������� �������� ��� ���� above described property will be sold personal representatives or assigns b y t h e S h e r i f f o f s a i d c o u n t y a s unless reduced to Five (5) weeks under follows: MN Stat. §580.07.

DATE AND TIME OF SALE: TIME AND DATE TO VACATE PROPDecember 10, 2009 at 10:00 AM ERTY: If the real estate is an PLACE OF SALE: Dakota County owner-occupied, single-family dwellL a w E n f o r c e m e n t C e n t e r , 1 5 8 0 ing, unless otherwise provided by law, Highway 55, Lobby S-100, Hastings, the date on or before which the mortgagor(s) must vacate the property if the Minnesota t o p a y t h e d e b t s e c u r e d b y s a i d mortgage is not reinstated under secmortgage and taxes, if any, on said tion 580.30 or the property is not premises and the costs and disburse- redeemed under section 580.23 is ments, including attorney fees allowed 11:59 p.m. on June 17, 2010.

MORTGAGOR(S) RELEASED FROM by law, subject to redemption within six (6) months from the date of said FINANCIAL OBLIGATION ON MORTs a l e b y t h e m o r t g a g o r ( s ) , t h e i r GAGE: None "THE TIME ALLOWED BY LAW FOR personal representatives or assigns.

If the Mortgage is not reinstated REDEMPTION BY THE MORTGAGOR, u n d e r M i n n . S t a t . § 5 8 0 . 3 0 o r t h e THE MORTGAGOR'S PERSONAL REPproperty is not redeemed under Minn. RESENTATIVES OR ASSIGNS, MAY BE Stat. §580.23, the Mortgagor must REDUCED TO FIVE WEEKS IF A JUDIvacate the property on or before 11:59 CIAL ORDER IS ENTERED UNDER p.m. on June 10, 2010, or the next MINNESOTA STATUTES, SECTION business day if June 10, 2010 falls on 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G OTHER THINGS, THAT THE MORTa Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF obligation: NONE THIS COMMUNICATION IS FROM LESS THAN FIVE UNITS, ARE NOT A DEBT COLLECTOR ATTEMPTING PROPERTY USED IN AGRICULTURAL TO COLLECT A DEBT. ANY P R O D U C T I O N , A N D A R E INFORMATION OBTAINED WILL BE ABANDONED." Dated: October 13, 2009.

USED FOR THAT PURPOSE. CitiMortgage, Inc. THE RIGHT TO VERIFICATION OF Mortgagee/Assignee of Mortgagee THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE USSET, WEINGARDEN AND LIEBO, P.L.L.P. T I M E P R O V I D E D B Y L A W I S N O T By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR Mortgagee REDEMPTION BY THE MORTGAGOR, 4500 Park Glen Road #300 T H E M O R T G A G O R ' S P E R S O N A L Minneapolis, MN 55416 REPRESENTATIVES OR ASSIGNS, (952) 925-6888 MAY BE REDUCED TO FIVE WEEKS IF 10-2463 A J U D I C I A L O R D E R I S E N T E R E D 2004551066 U N D E R M I N N E S O T A S T A T U T E S , THIS IS A COMMUNICATION FROM SECTION 582.032, DETERMINING, A DEBT COLLECTOR. 10/22-11/26/09 AMONG OTHER THINGS, THAT THE 1949616 MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE NOTICE OF MORTGAGE UNITS, ARE NOT PROPERTY USED IN FORECLOSURE SALE AGRICULTURAL PRODUCTION, AND THE RIGHT TO VERIFICATION OF ARE ABANDONED. THE DEBT AND IDENTITY OF THE DATED: October 22, 2009 ORIGINAL CREDITOR WITHIN THE ASSIGNEE OF MORTGAGEE: TIME PROVIDED BY LAW IS NOT HSBC Bank USA, National AFFECTED BY THIS ACTION. Association, as Trustee, under NOTICE IS HEREBY GIVEN, that the Pooling and Servicing default has occurred in conditions of Agreement dated February 1, the following described mortgage: 2004, Fremont Home Loan Trust DATE OF MORTGAGE: April 30, 2008 2004-A, Mortgage-Backed MORTGAGOR: Randy G. McAlpine, a Certificates, Series 2004-A single person.

Wilford & Geske, P.A. MORTGAGEE: Mortgage Electronic Attorneys for Assignee of Mortgagee Registration Systems, Inc..

Lawrence A. Wilford DATE AND PLACE OF RECORDING: James A. Geske Recorded June 4, 2008, Dakota County 8425 Seasons Parkway, Suite 105 Recorder, Document No. 2594646.

Woodbury, MN 55125-4393 ASSIGNMENTS OF MORTGAGE: (651) 209-3300 Assigned to: CitiMortgage, Inc., Dated: File Number: 004925F01 September 17, 2009.

1949579 10/22-11/26/09 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON NOTICE OF MORTGAGE MORTGAGE: 100249120000149356 FORECLOSURE SALE LENDER OR BROKER AND MORTTHE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE G A G E O R I G I N A T O R S T A T E D O N ORIGINAL CREDITOR WITHIN THE M O R T G A G E : M a r k e t p l a c e H o m e T I M E P R O V I D E D B Y L A W I S N O T Mortgage, LLC RESIDENTIAL MORTGAGE SERAFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that VICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: default has occurred in conditions of 14760 Embry Path, Apple Valley, MN the following described mortgage: DATE OF MORTGAGE: S e p t e m b e r 55124 TAX PARCEL I.D.#: 01-20505-024-01 28, 2007 LEGAL DESCRIPTION OF PROPERTY: MORTGAGORS: D a r r e l l Y a t e s a n d Lot 24, Block 1, Diamond Path Sixth Julie Lieberthal, Husband and wife.

Addition, Dakota County, Minnesota MORTGAGEE: Mortgage Electronic COUNTY IN WHICH PROPERTY IS Registration Systems, Inc..

DATE AND PLACE OF RECORDING: LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF Recorded October 23, 2007, Dakota C o u n t y R e c o r d e r , D o c u m e n t N o . MORTGAGE: $151,325.00 AMOUNT DUE AND CLAIMED TO BE 2552092.

A S S I G N M E N T S O F M O R T G A G E : DUE AS OF DATE OF NOTICE, INCLUDAssigned to: CitiMortgage, Inc., Dated: ING TAXES, IF ANY, PAID BY MORTGAGEE: $154,241.36 September 23, 2009.

That prior to the commencement of TRANSACTION AGENT: Mortgage this mortgage foreclosure proceeding Electronic Registration Systems, Inc. T R A N S A C T I O N A G E N T ' S M O R T - Mortgagee/Assignee of Mortgagee comGAGE IDENTIFICATION NUMBER ON plied with all notice requirements as required by statute; That no action or MORTGAGE: 100011520045510668 LENDER OR BROKER AND MORT- proceeding has been instituted at law GAGE ORIGINATOR STATED ON or otherwise to recover the debt secured by said mortgage, or any part MORTGAGE: CitiMortgage, Inc. R E S I D E N T I A L M O R T G A G E S E R - thereof; PURSUANT to the power of sale conVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: tained in said mortgage, the above 1635 City View Drive, Unit 15 Saint described property will be sold by the Sheriff of said county as follows: Paul, MN 55121 DATE AND TIME OF SALE: DecemTAX PARCEL I.D.#: 10-41300-015-07 LEGAL DESCRIPTION OF PROP- ber 10, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , ERTY: Unit No. 15, CIC No. 347, a planned Law Enforcement Center, 1580 Hwy community, Valley Ridge Townho- 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said mes. Dakota County COUNTY IN WHICH PROPERTY IS Mortgage, and taxes, if any, on said premises, and the costs and disburseLOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF m e n t s , i n c l u d i n g a t t o r n e y s ' f e e s allowed by law subject to redemption MORTGAGE: $136,000.00 AMOUNT DUE AND CLAIMED TO BE within six (6) months from the date of DUE AS OF DATE OF NOTICE, INCLUD- said sale by the mortgagor(s), their ING TAXES, IF ANY, PAID BY MORT- personal representatives or assigns unless reduced to Five (5) weeks under GAGEE: $146,873.60 That prior to the commencement of MN Stat. §580.07.

TIME AND DATE TO VACATE PROPthis mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee com- E R T Y : I f t h e r e a l e s t a t e i s a n plied with all notice requirements as owner-occupied, single-family dwellrequired by statute; That no action or ing, unless otherwise provided by law, proceeding has been instituted at law the date on or before which the morto r o t h e r w i s e t o r e c o v e r t h e d e b t gagor(s) must vacate the property if the secured by said mortgage, or any part mortgage is not reinstated under section 580.30 or the property is not thereof; PURSUANT to the power of sale con- redeemed under section 580.23 is tained in said mortgage, the above 11:59 p.m. on June 10, 2010.

MORTGAGOR(S) RELEASED FROM described property will be sold by the FINANCIAL OBLIGATION ON MORTSheriff of said county as follows: DATE AND TIME OF SALE: Decem- GAGE: None "THE TIME ALLOWED BY LAW FOR ber 17, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , REDEMPTION BY THE MORTGAGOR, Law Enforcement Center, 1580 Hwy THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said REDUCED TO FIVE WEEKS IF A JUDIMortgage, and taxes, if any, on said CIAL ORDER IS ENTERED UNDER premises, and the costs and disburse- MINNESOTA STATUTES, SECTION ments, including attorneys' fees 582.032, DETERMINING, AMONG allowed by law subject to redemption OTHER THINGS, THAT THE MORTwithin six (6) months from the date of GAGED PREMISES ARE IMPROVED said sale by the mortgagor(s), their personal representatives or assigns ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� ��� ���� ������ ������ �������of Mortgagee Mortgagee/Assignee USSET, WEINGARDEN AND LIEBO, P.L.L.P. ���������� ���� ��������� GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 13, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2429 2005419749 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1949595 10/22-11/26/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 2 4 , 2006 MORTGAGOR: Susan E . M u l l e n , a single person.

MORTGAGEE: J P M o r g a n C h a s e Bank, National Association as successor in interest to Washington Mutual Bank, FA. DATE AND PLACE OF RECORDING: Recorded November 30, 2006, Dakota County Recorder, Document No. 2478693.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Washington Mutual Bank, FA RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association as successor in interest to Washington Mutual Bank MORTGAGED PROPERTY ADDRESS: 8489 195th Street West, Lakeville, MN 55044 TAX PARCEL I.D.#: 22-02100-012-30 LEGAL DESCRIPTION OF PROPERTY: That part of the Southwest Quarter (SW 1/4) of the Northwest Quarter (NW 1/4) of Section Twenty One (21), Township One Hundred Fourteen (114), Range Twenty (20), Dakota County, Minnesota, described as follows: The South 562 feet of the West 401 feet of the Southwest Quarter (SW 1/4) of the Northwest Quarter (NW 1/4) of said Section Twenty One (21), Excepting therefrom the South 150 feet of the West 290.40 feet of said Southwest Quarter (SW 1/4) of the Northwest Quarter (NW 1/4) COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $255,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $254,160.40 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 17, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 17, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 13, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee

By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2553 3011338229 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1949724 10/22-11/26/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: S e p t e m b e r 23, 2005 MORTGAGORS: Mindy Nguyen and Minh Tu Duong, wife and husband.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded November 7, 2005, Dakota County Recorder, Document No. 2378745.

ASSIGNMENTS OF MORTGAGE: Assigned to: Provident Funding Associates, L.P., Dated: October 28, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100017935150900153 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Provident Funding Associates, L.P. RESIDENTIAL MORTGAGE SERVICER: Provident Funding Associates, L.P. MORTGAGED PROPERTY ADDRESS: 4590 Cinnamon Ridge Trail, Eagan, MN 55122 TAX PARCEL I.D.#: 10-17400-021-01 LEGAL DESCRIPTION OF PROPERTY: That part of Lot 2, Block 1, Cinnamon Ridge, City of Eagan, lying Southerly of a line drawn from a point on the Easterly line of said Lot 2, distant 52.79 feet North at the Southeast corner thereof to a point on the Westerly line of said Lot 2, distant 45.5 feet North of the Southwest corner thereof.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $160,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $144,734.84 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 20, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 20, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 16, 2009.

Provident Funding Associates, L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-1498 3515090015 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991652 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 2 7 , 2006 MORTGAGOR: Rebecca K. Raiter, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded December 20, 2006, Dakota County Recorder, Document No. 2483108.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: November 18, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100177050500026331 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Cornerstone Mortgage Company RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 203 Ash Street West, South Saint Paul, MN 55075 TAX PARCEL I.D.#: 36-83300-010-03 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 3, Walter and Arthur Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $179,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $201,527.03 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 2, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 2, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 20, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7503 1914416061 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991971 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 01, 2002 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $176,000.00 MORTGAGOR(S): Marvin J. Shock, a single person MORTGAGEE: Prime Mortgage Corporation DATE AND PLACE OF REGISTERING: Registered: November 01, 2002 Dakota County Registrar of Titles, Document Number: 479977 ASSIGNMENTS OF MORTGAGE: And assigned to: TCF Mortgage Corporation, Dated: October 01, 2002, Registered: November 01, 2002 Dakota

tered: November 01, 2002 Dakota County Registrar of Titles, Document Number: 479978 And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: May 01, 2006, Registered: May 05, 2006 Dakota County Registrar of Titles, Document Number: 589472 And assigned to: U.S. Bank National Association, Dated: October 03, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001775848 Lender or Broker: Prime Mortgage Corporation Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 55983 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 500 21st Ave S, South Saint Paul, MN 55075-2182 Tax Parcel ID Number: 36-83700-010-04 LEGAL DESCRIPTION OF PROPERTY: Lot One (1), Block Four (4), Western Addition, according to the recorded plat thereof.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $164,385.22 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 10, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 22, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009154F01 1949258 10/22-11/26/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: November 25, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $268,000.00 MORTGAGOR(S): Michael Jerome Sicora and Angela Rae Sicora, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: February 07, 2006 Dakota County Recorder, Document Number: 2403961 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100037506557445047 Lender or Broker: GMAC Mortgage Corporation dba ditech.com Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1904 Big Oak Dr, Burnsville, MN 55337-2024 Tax Parcel ID Number: 02-15680-153-03 LEGAL DESCRIPTION OF PROPERTY: Lot 15, Block 3, Burnsville Manor, as filed in Plat Book P, Page 14, Recorded 07/11/1962, in Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE:

DUE AS OF DATE OF NOTICE: $263,738.25 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: December 10, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 22, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008974F01 1949279 10/22-11/26/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 2 0 , 2006 MORTGAGOR: William E. Johnson, a single person.

MORTGAGEE: N e w C e n t u r y M o r t gage Corporation.

DATE AND PLACE OF RECORDING: Recorded July 12, 2006, Dakota County Recorder, Document No. 2444545.

ASSIGNMENTS OF MORTGAGE: Assigned to: Wells Fargo Bank N.A., as Trustee, for Carrington Mortgage Loan Trust, Series 2006-NC3 Asset-Backed Pass-Through Certificates, Dated: October 6, 2009.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: New Century Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: Carrington Mortgage Services LLC MORTGAGED PROPERTY ADDRESS: 16846 Embers Avenue, Farmington, MN 55024 TAX PARCEL I.D.#: 22-47051-804-06 LEGAL DESCRIPTION OF PROPERTY: Unit 1804, Common Interest Community No. 362, Mallard Shores Condominium, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $168,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $186,901.22 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 17, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said

to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 17, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 14, 2009.

Wells Fargo Bank, N.A., as Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 85-534 1008572252 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1949675 10/22-11/26/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 08, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $261,501.00 MORTGAGOR(S): Julie A Hoffman, an unmarried woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: September 18, 2006 Dakota County Recorder, Document Number: 2462169 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, L.P., Dated: October 19, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100020410001335640 Lender or Broker: DHI Mortgage Company Limited Partnership Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 17875 Glasgow Way, Lakeville, MN 55044-4721 Tax Parcel ID Number: 22-18607-080-01 LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 1, CIC No. 437, Crossroads 8th Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $261,931.94 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 10, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE

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RESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 22, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009527F01 1949446 10/22-11/26/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: July 22, 2005 MORTGAGORS: Mark A. Spanitz and Leslie A. Spanitz, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded August 22, 2005, Dakota County Recorder, Document No. 2352997.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: November 11, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100245400023623791 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Union Federal Bank of Indianapolis RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 6291 162nd Street, Rosemount, MN 55068 TAX PARCEL I.D.#: 22-21177-100-17 LEGAL DESCRIPTION OF PROPERTY: Lot 10, Block 17, Donnay's Valley Park 8th Addition, filed in Plat Doc # 1994378 Recorded 2/14/2003 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $184,362.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $189,961.06 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 13, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7445 1961024034 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1990294 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: June 4, 2004 MORTGAGOR: Dawn M. Huebner, a single person.

MORTGAGEE: ABN AMRO Mortgage Group, Inc n/k/a CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Recorded July 22, 2004, Dakota County Recorder, Document No. 2228885.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: ABN AMRO Mortgage Group, Inc n/k/a CitiMortgage, Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 23305 Lawrence Way, Hastings, MN 55033 TAX PARCEL I.D.#: 09-18600-080-01 LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 1, Crossroads Woods COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $250,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $237,666.71 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 17, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2633 645123950 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991544 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 2 7 , 2003 MORTGAGORS: J a m e s T . S c h e m i onek and Laurie A. Schemionek, husband and wife.

MORTGAGEE: C h a s e M a n h a t t a n Mortgage Corporation N/K/A Chase Home Finance LLC. DATE AND PLACE OF RECORDING: Recorded October 17, 2003, Dakota County Recorder, Document No. 2126621.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Chase Manhattan Mortgage Corporation N/K/A Chase Home Finance LLC RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 18408 Embers Avenue, Farmington, MN 55024 TAX PARCEL I.D.#: 14-19503-040-06 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 6, Dakota County Estates 4th Addition, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $171,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $169,115.79 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 17, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 17, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 13, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7260 1766105752 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1949231 10/22-11/26/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: February 27, 2006 MORTGAGORS: Michael Russell and Kristen Anderson, Both single persons.

MORTGAGEE: ABN Amro Mortgage Group, Inc. NKA CitiMortgage, Inc..

DATE AND PLACE OF RECORDING: Recorded March 8, 2006, Dakota County Recorder, Document No. 2411002.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: ABN Amro Mortgage Group, Inc. NKA CitiMortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 11855 River Hills Drive, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-17350-020-02 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 2, Churchill Place, a planned community, CIC No. 221.

Dakota County together with appurtenant easements created pursuant to Declaration Doc # 1444785 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF

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: $159,077.58 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: December 17, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 17, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 13, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2515 651859202 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1949650 10/22-11/26/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 07, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $243,750.00 MORTGAGOR(S): Leon Earl Martin and Barbara L. Martin, husband and wife and Michael Martin, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: September 23, 2005 Dakota County Recorder, Document Number: 2363700 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, L.P., Dated: October 19, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100133700008669163 Lender or Broker: Countrywide Bank, N.A. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 19905 Everhill Ave, Farmington, MN 55024-8421 Tax Parcel ID Number: 14-16503-110-01 LEGAL DESCRIPTION OF PROPERTY: Lot 11, Block 1, Charleswood 4th Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $268,697.24 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 10, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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������or������ �������� ���� MAY BE RESENTATIVES OR ��� ASSIGNS, sonal representatives assigns. ������� If the Mortgage is not reinstated REDUCED TO FIVE WEEKS IF A JUDIunder Minn. Stat. §580.30 or the prop- CIAL ORDER IS ENTERED UNDER erty is not redeemed under Minn. Stat. MINNESOTA STATUTES, SECTION §580.23, the Mortgagor must vacate 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G the property on or before 11:59 p.m. on OTHER THINGS, THAT THE MORTJune 10, 2010, or the next business GAGED PREMISES ARE IMPROVED day if June 10, 2010 falls on a Satur- WITH A RESIDENTIAL DWELLING OF day, Sunday or legal holiday.

LESS THAN FIVE UNITS, ARE NOT Mortgagor(s) released from financial PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E obligation: NONE THIS COMMUNICATION IS FROM ABANDONED." Dated: October 9, 2009.

A DEBT COLLECTOR ATTEMPTU.S. Bank, N. A. ING 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. THE RIGHT TO VERIFICATION OF By: Paul A. Weingarden THE DEBT AND IDENTITY OF THE Attorneys for Mortgagee/Assignee of ORIGINAL CREDITOR WITHIN THE Mortgagee T I M E P R O V I D E D B Y L A W I S N O T 4500 Park Glen Road #300 Minneapolis, MN 55416 AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR (952) 925-6888 REDEMPTION BY THE MORTGAGOR, 19-334 THE MORTGAGOR'S PERSONAL REP- 4800185370 RESENTATIVES OR ASSIGNS, MAY BE THIS IS A COMMUNICATION FROM REDUCED TO FIVE WEEKS IF A JUDI- A DEBT COLLECTOR. 10/22-11/26/09 CIAL ORDER IS ENTERED UNDER 1948054 MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTNOTICE OF MORTGAGE GAGED PREMISES ARE IMPROVED FORECLOSURE SALE WITH A RESIDENTIAL DWELLING OF NOTICE IS HEREBY GIVEN that LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL default has occurred in the conditions of the following described mortgage: PRODUCTION, AND ARE ABANDONED. DATE OF MORTGAGE: December 17, DATED: October 22, 2009 ASSIGNEE OF MORTGAGEE: 2004 ORIGINAL PRINCIPAL AMOUNT OF BAC Home Loans Servicing, L.P. MORTGAGE: $194,118.00 Wilford & Geske, P.A. MORTGAGOR(S): Jason R. Mishica Attorneys for Assignee of Mortgagee and Allison K. Mishica, husband and Lawrence A. Wilford wife 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: February 22, 2005 Dakota File Number: 009523F01 County Recorder, Document Number: 1949459 10/22-11/26/09 2297927 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association, Dated: November 13, 2009 NOTICE OF MORTGAGE Transaction Agent: Mortgage ElecFORECLOSURE SALE THE RIGHT TO VERIFICATION OF tronic Registration Systems, Inc. Transaction Agent Mortgage IdentifiTHE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE cation Number: 100137510000175648 Lender or Broker: Lakeland MortTIME PROVIDED BY LAW IS NOT gage Corporation AFFECTED BY THIS ACTION. Residential Mortgage Servicer: U.S. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of Bank Home Mortgage Mortgage Originator: Not Applicable the following described mortgage: COUNTY IN WHICH PROPERTY IS DATE OF MORTGAGE: April 23, 2003 MORTGAGORS: M i c h a e l J . L i n d o r LOCATED: Dakota Property Address: 2605 Brookview and Debra K. Lindor, husband and Dr, Burnsville, MN 55337-2143 wife.

Tax Parcel ID Number: MORTGAGEE: Anchor Bank, West 02-32901-480-01 St. Paul N.A. LEGAL DESCRIPTION OF PROPDATE AND PLACE OF RECORDING: ERTY: Lot 48, Block 1, Highland ForRecorded May 30, 2003, Dakota est 2nd Addition County Recorder, Document No. AMOUNT DUE AND CLAIMED TO BE 2054598.

ASSIGNMENTS OF MORTGAGE: D U E A S O F D A T E O F N O T I C E : Assigned to: TCF Mortgage Corpora- $187,016.36 THAT all pre-foreclosure requiretion, Dated: April 23, 2003, Recorded: May 30, 2003, Document No. 2054600. ments have been complied with; that And thereafter assigned to: Mortgage no action or proceeding has been instiElectronic Registration Systems, Inc., tuted at law or otherwise to recover the Dated: May 16, 2006, Recorded: May debt secured by said mortgage, or any 22, 2006, Document No. 2431540. part thereof; PURSUANT to the power of sale conAnd thereafter assigned to: U.S. Bank, tained in said mortgage, the N.A., Dated: August 10, 2009. above-described property will be sold TRANSACTION AGENT: NONE T R A N S A C T I O N A G E N T ' S M O R T - by the Sheriff of said county as folGAGE IDENTIFICATION NUMBER ON lows: DATE AND TIME OF SALE: January MORTGAGE: NONE LENDER OR BROKER AND MORT- 14, 2010 at 10:00 AM PLACE OF SALE: Dakota County GAGE ORIGINATOR STATED ON MORTGAGE: Anchor Bank, West St. Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, MinnePaul N.A. R E S I D E N T I A L M O R T G A G E S E R - sota to pay the debt secured by said mortVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: gage and taxes, if any, on said pre17054 Huntington Path, Lakeville, MN mises and the costs and disbursements, including attorney fees allowed 55044 TAX PARCEL I.D.#: 22-18590-030-02 by law, subject to redemption within LEGAL DESCRIPTION OF PROPERTY: six (6) months from the date of said Lot 3, Block 2, Crystal Lake Fairways sale by the mortgagor(s), their perCOUNTY IN WHICH PROPERTY IS sonal representatives or assigns.

LOCATED: Dakota If the Mortgage is not reinstated ORIGINAL PRINCIPAL AMOUNT OF under Minn. Stat. §580.30 or the propMORTGAGE: $316,250.00 erty is not redeemed under Minn. Stat.

AMOUNT DUE AND CLAIMED TO BE §580.23, the Mortgagor must vacate DUE AS OF DATE OF NOTICE, INCLUD- the property on or before 11:59 p.m. on ING TAXES, IF ANY, PAID BY MORT- July 14, 2010, or the next business day GAGEE: $303,981.75 if July 14, 2010 falls on a Saturday, That prior to the commencement of Sunday or legal holiday. this mortgage foreclosure proceeding Mortgagor(s) released from financial Mortgagee/Assignee of Mortgagee com- obligation: NONE plied with all notice requirements as THIS COMMUNICATION IS FROM required by statute; That no action or A DEBT COLLECTOR ATTEMPTproceeding has been instituted at law ING TO COLLECT A DEBT. ANY o r o t h e r w i s e t o r e c o v e r t h e d e b t INFORMATION OBTAINED WILL BE secured by said mortgage, or any part USED FOR THAT PURPOSE. thereof; THE RIGHT TO VERIFICATION OF PURSUANT to the power of sale con- THE DEBT AND IDENTITY OF THE tained in said mortgage, the above ORIGINAL CREDITOR WITHIN THE described property will be sold by the T I M E P R O V I D E D B Y L A W I S N O T Sheriff of said county as follows: AFFECTED BY THIS ACTION. DATE AND TIME OF SALE: DecemTHE TIME ALLOWED BY LAW FOR ber 17, 2009 at 10:00 AM REDEMPTION BY THE MORTGAGOR, PLACE OF SALE: S h e r i f f ' s O f f i c e , THE MORTGAGOR'S PERSONAL REPLaw Enforcement Center, 1580 Hwy RESENTATIVES OR ASSIGNS, MAY BE 55, Lobby #S-100, Hastings, MN REDUCED TO FIVE WEEKS IF A JUDIto pay the debt then secured by said CIAL ORDER IS ENTERED UNDER Mortgage, and taxes, if any, on said MINNESOTA STATUTES, SECTION premises, and the costs and disburse- 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G m e n t s , i n c l u d i n g a t t o r n e y s ' f e e s OTHER THINGS, THAT THE MORTallowed by law subject to redemption GAGED PREMISES ARE IMPROVED within six (6) months from the date of WITH A RESIDENTIAL DWELLING OF said sale by the mortgagor(s), their LESS THAN FIVE UNITS, ARE NOT personal representatives or assigns PROPERTY USED IN AGRICULTURAL unless reduced to Five (5) weeks under PRODUCTION, AND ARE ABANDONED. MN Stat. §580.07.

DATED: November 26, 2009 TIME AND DATE TO VACATE PROPASSIGNEE OF MORTGAGEE: ERTY: If the real estate is an U.S. Bank National Association owner-occupied, single-family dwell- Wilford & Geske, P.A. ing, unless otherwise provided by law, Attorneys for Assignee of Mortgagee the date on or before which the mort- Lawrence A. Wilford gagor(s) must vacate the property if the James A. Geske mortgage is not reinstated under sec- 8425 Seasons Parkway, Suite 105 tion 580.30 or the property is not Woodbury, MN 55125-4393 redeemed under section 580.23 is (651) 209-3300 11:59 p.m. on June 17, 2010.

File Number: 009707F01 MORTGAGOR(S) RELEASED FROM 1988549 11/26-12/31/09 FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� ��� ���� ������ ������ ������� Document Number: Recorder, County 2453790 ���������� ���� ���������

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 2 2 , 2004 MORTGAGORS: Keith M. Rose and Mary K. Rose, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded December 1, 2004, Dakota County Recorder, Document No. 2272078.

ASSIGNMENTS OF MORTGAGE: Assigned to: JPMorgan Chase Bank, National Association, Dated: November 16, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100015901074369562 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: CTX Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 14446 Atwater Way, Rosemount, MN 55068 TAX PARCEL I.D.#: 34-14704-130-01 LEGAL DESCRIPTION OF PROPERTY: Lot 13, Block 1, Bloomfield 5th Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $333,700.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $318,772.78 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: February 2, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on August 2, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 19, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2612 0676708456 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991748 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 05, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $192,086.00 MORTGAGOR(S): Peter D Banaszewski and Andrea L Banaszewski, husband and wife MORTGAGEE: The Secretary of Veterans Affairs, an officer of the United States of America DATE AND PLACE OF RECORDING: Recorded: August 15, 2006 Dakota County Recorder, Document Number:

ASSIGNMENTS OF MORTGAGE: And assigned to: Deutsche Bank National Trust Co., as trustee for Vendee Mortgage Trust 2008-1, C/O Countrywide Home Loans, Dated: March 18, 2008, Recorded: May 05, 2008 Dakota County Recorder, Document Number: 2588382 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: The Secretary of Veterans Affairs, an officer of the United States of America Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 19289 Eureka Ave W, Farmington, MN 55024-9255 Tax Parcel ID Number: 14-256-00-020-03 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 3, Fair Hills Addition, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $212,393.89 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 17, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

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

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF 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 27, 2005 MORTGAGORS: W a d e H a n s o n a n d Dana Hanson, husband and wife.

MORTGAGEE: Beneficial Loan and Thrift Co. DATE AND PLACE OF RECORDING: Recorded January 5, 2006, Dakota County Recorder, Document No. 2394643.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Beneficial Loan and Thrift Co. RESIDENTIAL MORTGAGE SERVICER: HSBC Bank USA, N.A. MORTGAGED PROPERTY ADDRESS: 4365 Bearpath Trail, Eagan, MN 55122 TAX PARCEL I.D.#: 10-48050-095-01 LEGAL DESCRIPTION OF PROPERTY: Lot 95, in Block 1, Meadowland First Addition COUNTY IN WHICH PROPERTY IS LOCATED:Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE:$273,476.24 AMOUNT DUE AND CLAIMED TO BE

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE:$283,508.99 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 17, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 17, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 15, 2009.

Beneficial Loan and Thrift Co. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A.Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 43-368 0012306890 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1955829 10/29-12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 2 0 , 2005 MORTGAGOR: Michel Paul Wolf, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded July 14, 2005, Dakota County Recorder, Document No. 2340033.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: September 19, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100015901074387796 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: CTX Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 4874 Bisset Lane, Inver Grove Heights, MN 55076 TAX PARCEL I.D.#: 20-44026-403-09 LEGAL DESCRIPTION OF PROPERTY: Unit No. 9403, Lafayette Park East, Common Interest Community No. 434, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $161,396.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $165,708.79 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 10, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said

Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 10, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 14, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2421 12268247 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1958440 10/29-12/3/09

PUBLIC NOTICE NOTICE OF ASSESSMENT LIEN

FORECLOSURE SALE Date: October 5, 2009 YOU ARE NOTIFIED THAT: 1. Default has occurred in the terms and conditions of the Declaration for Jefferson Commons Association (hereinafter the "Association") which was recorded as Document No. 1443836 on September 11, 1997, in the Office of the Dakota County Recorder, and also, pursuant to Minn. Stat. §515B.3-116, covering the following property: L E G A L D E S C R I P T I O N : Lot 3, Block 2, Heritage Square Addition, CIC No. 228, Dakota County, Minnesota STREET ADDRESS: 20104 Homefire Way, Lakeville, MN 55044 TAX PARCEL ID NUMBER: 22-32100-030-02 2. Pursuant to said Declaration, there is claimed to be due and owing as of October 5, 2009, from Patricia Rasmussen, title holder, to the Association, a Minnesota non-profit corporation, the amount of $3,722.50 for unpaid association dues, late fees, attorneys fees and costs, plus any other such amounts that will accrue after October 5, 2009, and other costs of collection and foreclosure which will be added to the amount claimed due and owing at the time of the sale herein.

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

4. That all preforeclosure requirements have been met.

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

6. The Declaration, referenced above, and Minn. Stat. §§515B.3-115 and 515B.3-116 provide for a continuing lien against the property. A Notice of Lien evidencing the amount due was recorded on January 23, 2009, as Document No. 2632218 in the Dakota County Recorder's Office.

7. Pursuant to the power of sale contained in the same Declaration and granted by the owner in taking title to the premises subject to said Declaration and pursuant to Minn. Stat. §§515B.3-115 and 515B.3-116, said Lien will be foreclosed by the sale of said property by the Sheriff of Dakota County, at the Dakota County Sheriffs Office, Dakota County Law Enforcement Center, 1580 Highway 55 Lobby S-100, Hastings, MN 55033, on the 10th day of December, 2009, at 10:00 a.m. at public auction to the highest bidder, to pay the amount then due for said assessments, together with the costs of foreclosure, including attorneys fees as allowed by law.

8. T h e t i m e a l l o w e d b y l a w f o r redemption by the unit owner, her personal representatives or assigns is six (6) months from the date of sale. The date and time to vacate the property is 11:59 p.m. on June 10, 2010, if the account is not reinstated or the owner does not redeem from the foreclosure sale.

REDEMPTION NOTICE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION,

IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. 9. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. JEFFERSON COMMONS ASSOCIATION Attorneys for Jefferson Commons Association: THOMSEN NYBECK By: Gretchen S. Schellhas (#195595) 3600 American Blvd. West, Suite 400 Bloomington, Minnesota 55431 (952) 835-7000 ( J e f f e r s o n C o m m o n s Rasmussen/08-7-891D) 1956584 10/29-12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 18, 2007 MORTGAGORS: P a u l S . V o i g t a n d Lois Idelle Voigt, husband and wife.

MORTGAGEE: J P M o r g a n C h a s e Bank, National Association as successor in interest to Washington Mutual Bank, FA. DATE AND PLACE OF RECORDING: Registered September 20, 2007, Dakota County Registrar of Titles, Document No. 617538, Certificate of Title No. 33688.

ASSIGNMENTS OF MORTGAGE: NONE Said Mortgage being Registered Land.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Washington Mutual Bank, FA RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 13745 Wellington Crest, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-18100-230-04 LEGAL DESCRIPTION OF PROPERTY: Lot Twenty-three (23), Block Four (4), Colonial Hills COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $336,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $338,279.07 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 13, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2606 3017359864 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991865 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: December 1, 2006 MORTGAGORS: Kue Xiong and Kia Vang, husband and wife.

MORTGAGEE: J P M o r g a n C h a s e Bank, National Association as successor in interest to Washington Mutual Bank, FA. DATE AND PLACE OF RECORDING: Recorded December 29, 2006, Dakota County Recorder, Document No. 2484952.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Washington Mutual Bank, FA RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 3120 63rd Street East, Inver Grove Heights, MN 55076 TAX PARCEL I.D.#: 20-19500-010-03 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 3, Dakota Park COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $188,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $193,762.51 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 12, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2608 3011349291 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991921 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN: That default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 20, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $200,000.00 MORTGAGOR(S): Josette M Tuione, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for Delta Funding Corporation

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for Delta Funding Corporation TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. MIN#: 100076600001230428 SERVICER: Ocwen Loan Servicing LLC LENDER: Delta Funding Corporation.

DATE AND PLACE OF FILING: Dakota County Minnesota, Recorder , on August 30, 2007, as Document No. 2541005 ASSIGNED TO: HSBC Bank USA N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust 2007-D1 Asset Backed Pass-Through Certificates Dated: December 26, 2007 , and recorded September 29, 2009 by Document No. 2687048 .

LEGAL DESCRIPTION OF PROPERTY: Lot 2,Block 2,Schindeldecker Third Addition, According To The Recorded Plat Thereof,and Situate in Dakota County, Minnesota PROPERTY ADDRESS: 1716 63rd Street East, Inver Grove Heights, MN 55077 PROPERTY I.D: 20-67602-020-02 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: Two Hundred Five Thousand Three Hundred Sixty-Six and 03/100 ($205,366.03) THAT no action or proceeding has been instituted at law to recover the debt secured by said mortgage, or any part thereof; that there has been compliance with all pre-foreclosure notice and acceleration requirements of said mortgage, and/or applicable statutes; PURSUANT, to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: 10:00 AM on December 15, 2009 PLACE OF SALE: S h e r i f f ` s M a i n Office, Law Enforcement Center, 1580 Highway 55, Hastings MN 55033-2343 to pay the debt then secured by said mortgage and taxes, if any actually paid by the mortgagee, on the premises and the costs and disbursements allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is 6 months from the date of sale.

"THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR`S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 29, 2009 HSBC Bank USA N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp.

Home Equity Loan Trust 2007-D1 Asset Backed Pass-Through Certificates Randall S. Miller & Associates P.C. Attorneys for Assignee of Mortgage/Mortgagee One Financial Plaza 120 South Sixth Street , Suite 1100 Minneapolis, MN 55402 Phone: 612-573-3677 Our File No. 09MN00074-1 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. ASAP# 3314075 1958225 10/29-12/03/2009

PUBLIC NOTICE NOTICE OF MORTGAGE

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

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $177,397.26 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the

tuted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 10, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

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

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: February 19, 2004 MORTGAGORS: John McDevitt and Jolene Robinson-McDevitt, husband and wife.

MORTGAGEE: Ameriquest Mortgage Company.

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

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

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

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $486,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $482,772.21 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 29, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disburse-

premises, and the costs and disburse ments, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

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

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

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

PUBLIC NOTICE NOTICE OF ASSESSMENT LIEN

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

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

4. That all preforeclosure requirements have been met.

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

6. The Declaration, referenced above, provides for a continuing lien against the property. A Notice of Lien evidencing the amount due was recorded on September 23, 2009, as Document No. 2686180 in the Dakota County Recorder's Office.

7. Pursuant to the power of sale contained in the same Declaration and granted by the owner in taking title to the premises subject to said Declaration, said Lien will be foreclosed by the sale of said property by the Sheriff of Dakota County, at the Dakota County Sheriffs Office, Dakota County Law Enforcement Center, 1580 Highway 55 Lobby S-100, Hastings, MN 55033, on the 10th day of December, 2009, at 10:00 a.m. at public auction to the highest bidder, to pay the amount then due for said assessments, together with the costs of foreclosure, including attorneys fees as allowed by law.

8. T h e t i m e a l l o w e d b y l a w f o r redemption by the unit owner, his personal representatives or assigns is six (6) months from the date of sale. The date and time to vacate the property is 11:59 p.m. on June 10, 2010, if the account is not reinstated or the owner does not redeem from the foreclosure sale.

REDEMPTION NOTICE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. 9. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

THAT PURPOSE. DIAMOND PATH VILLAGE ASSOCIATION, INC. Attorneys for Diamond Path Village Association, Inc. THOMSEN NYBECK By: Gretchen S. Schellhas (#195595) 3600 American Blvd. West, Suite 400 Bloomington, Minnesota 55431 (952) 835-7000 (Diamond Path Village Bohlig/09-7-195D) 1956614 10/29-12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 29, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $107,525.00 MORTGAGOR(S): Mindy J. Wilson, a single person and Daniel J. Shoen, a single person MORTGAGEE: Optimum Mortgage Services, Inc. DATE AND PLACE OF REGISTERING: Registered: December 09, 2003 Dakota County Registrar of Titles, Document Number: 0523842 ASSIGNMENTS OF MORTGAGE: And assigned to: TCF Mortgage Corporation, Dated: August 29, 2003, Regist e r e d : D e c e m b e r 0 9 , 2 0 0 3 D a k o ta County Registrar of Titles, Document Number: 0523843 And assigned to: TCF National Bank, Dated: November 18, 2009 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Optimum Mortgage Services, Inc. Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 130175 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 3125 Cory Ln Apt 203, Hastings, MN 55033-3954 Tax Parcel ID Number: 19-73201-203-04 LEGAL DESCRIPTION OF PROPERTY: Unit No. 203, consisting of Residential Unit No. 203 and Garage Unit No. 203, Condominium No. 92, 3125 Sunny Acres Condominium a condominium, located in Dakota County, Minnesota, pursuant to the Declaration of Condominium with attached Condominium plat at Bylaws filed as Document No. 184888 in the Office of the Registrar of Titles in and for Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $103,028.34 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 14, 2010, or the next business day if July 14, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 26, 2009 ASSIGNEE OF MORTGAGEE: TCF National Bank Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009034F01 1988568 11/26-12/31/09

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PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 27, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $352,250.00 MORTGAGOR(S): Patrick J. Zurick and Marie L. Zurick, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: November 09, 2006 Dakota County Recorder, Document Number: 2474537 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100190830000074136 Lender or Broker: SouthStar Funding, LLC Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 13594 Glasgow Ln, Apple Valley, MN 55124-7630 Tax Parcel ID Number: 01-22451-030-02 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 2, Eagle Ridge Estates 2nd Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $375,215.08 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 14, 2010, or the next business day if July 14, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 26, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010549F01 1991599 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: July 23, 2008 MORTGAGORS: D e b o r a h L . R e i n ardy and Keith L. Reinardy, WIFE AND HUSBAND. MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded August 15, 2008, Dakota County Recorder, Document No. 2608561.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc. , Dated: September 19, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100445508070100204 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: OCM INC., DBA HELP U FINANCE RESIDENTIAL MORTGAGE SER-

VICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 1371 Westview Drive, Hastings, MN 55033 TAX PARCEL I.D.#: 19-19501-060-05 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 5, Dakota Hills Second Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $203,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $208,879.28 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 10, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 10, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 14, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2422 2005568648 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1958480 10/29-12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: February 15, 2008 MORTGAGORS: M a n u e l V . S e v i l l a and Norma G. Zamora Morales, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded March 26, 2008, Dakota County Recorder, Document No. 2580461.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc. , Dated: September 15, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100011520050952227 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: CitiMortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 1434 Bellows Street,West Saint Paul, MN 55118 TAX PARCEL I.D.#: 42-48300-100-00 LEGAL DESCRIPTION OF PROPERTY: Lot 10, Ron Meyers Addition.

Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $191,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $193,769.65 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

���������� �� ���� �����

��� �������� ��� ���� ������TIME ������ ������� TO VACATE PROP AND DATE ERTY: If the real estate is an ���������� ���� ��������� or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 17, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 17, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 14, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2395 2005095222 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1958497 10/29-12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: July 29, 2003 MORTGAGOR: J o h n E . R o s s e , a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded September 11, 2003, Dakota County Recorder, Document No. 2107769.

ASSIGNMENTS OF MORTGAGE: Assigned to: JPMorgan Chase Bank, National Association, Dated: October 6, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100160500150266800 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Mortgage Express, Inc. RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, N.A. as successor in interest to Washington Mutual Bank MORTGAGED PROPERTY ADDRESS: 14668 Embry Path, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-20505-047-01 LEGAL DESCRIPTION OF PROPERTY: Lot 47, Block 1, Diamond Path 6th Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $150,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $144,088.00 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 17, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROP-

owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 17, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 19, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2530 0607711231 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1958685 10/29-12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 29, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $184,500.00 MORTGAGOR(S): Michele L Estes and James H. Estes, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: August 23, 2005 Dakota County Recorder, Document Number: 2353634 ASSIGNMENTS OF MORTGAGE: And assigned to: The Bank of New York Mellon FKA The Bank of New York, as Trustee for the Certificate Holders CWABS, INC., Asset-backed Certificates, Series 2005-11, Dated: September 17, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700055993931 Lender or Broker: America's Wholesale Lender Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 982 Winslow Ave, Saint Paul, MN 55118-1342 Tax Parcel ID Number: 42-38000-101-49 LEGAL DESCRIPTION OF PROPERTY: Lot 10, Block 49, "Jackson and Bidwell's Addition to West Saint Paul", according to the recorded plat thereof AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $210,419.38 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 14, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on June 14, 2010, or the next business day if June 14, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT

LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 29, 2009 ASSIGNEE OF MORTGAGEE: The Bank of New York Mellon FKA The Bank of New York, as Trustee for the Certificate Holders CWABS, INC., Asset-backed Certificates, Series 2005-11 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008339F01 1957755 10/29-12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 22, 2005 MORTGAGORS: Vickie L. Starbeck and Robert W. Starbeck, wife and husband.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered December 15, 2005, Dakota County Registrar of Titles, Document No. 581148, Certificate of Title No. 102819.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: November 12, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100014440002927929 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: NetBank RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 24240 Idalia Avenue West, Lakeville, MN 55044 TAX PARCEL I.D.#: 13-24660-040-04 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 4, in Eureka Estates 1st Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $272,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $286,271.61 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 16, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7474 1974089451 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1990375 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 25, 2003 MORTGAGOR: Cindy Szambelan, a single woman.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded January 7, 2004, Dakota County Recorder, Document No. 2161123.

ASSIGNMENTS OF MORTGAGE: Assigned to: Provident Funding Associates, L.P., Dated: October 28, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100017957131100448 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Provident Funding Associates, L.P. RESIDENTIAL MORTGAGE SERVICER: Provident Funding Associates, L.P. MORTGAGED PROPERTY ADDRESS: 5461 Upper 183rd Street West, Farmington, MN 55024 TAX PARCEL I.D.#: 14-19502-032-04 LEGAL DESCRIPTION OF PROPERTY: Unit No. 32, Sherbourne Deck Homes, A Condominium, Condominium Plat CIC No. 129 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $123,900.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $117,951.42 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 20, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 20, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 16, 2009.

Provident Funding Associates, L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-1496 5713110044 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991704 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

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

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

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

County Recorder, Document No. 2380661.

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

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

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

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

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

The Bank of New York Mellon, as Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-593 119995433 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1957735 10/29-12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

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

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

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

ASSIGNMENTS OF MORTGAGE: Assigned to: Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-6, Dated: October 8, 2009 TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Long Beach Mortgage Company RESIDENTIAL MORTGAGE SER-

RESIDENTIAL MORTGAGE SER VICER: JPMorgan Chase Bank, National Association as successor in interest to Washington Mutual Bank MORTGAGED PROPERTY ADDRESS: 1507 Circle Drive, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-82203-040-02 LEGAL DESCRIPTION OF PROPERTY: Lot Four (4), Block Two (2) of Vista View 4th Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $179,200.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $188,465.88 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 5, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

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

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

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

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 16, 2007 MORTGAGORS: Eric M. Knutson and Tracy L. Knutson, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded June 12, 2007, Dakota County Recorder, Document No. 2523509.

ASSIGNMENTS OF MORTGAGE: Assigned to: Provident Funding Associates, L.P., Dated: October 19, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100017995170503403 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Provident Funding Associates, L.P. RESIDENTIAL MORTGAGE SERVICER: Provident Funding Associates, L.P. MORTGAGED PROPERTY ADDRESS: 17745 Idalia Path, Lakeville, MN 55044 TAX PARCEL I.D.#: 22-19600-010-01 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 1, Daniels Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $276,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $277,102.72 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or

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required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 22, 2009.

Provident Funding Associates, L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-1460 9517050340 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1958858 10/29-12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: March 16, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $223,200.00 MORTGAGOR(S): Romulo Edward B. Sarceda and Marissa G. Sarceda, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: March 22, 2007 Dakota County Registrar of Titles, Document Number: 607766 AND CORRECTIVE MORTGAGE REGISTERING: November 08, 2007 Dakota County Registrar of Titles, Document Number: 619889 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100059600097118629 Lender or Broker: Universal American Mortgage Company LLC Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 142183 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4002 Cedar Grove Ln, Eagan, MN 55122-1626 Tax Parcel ID Number: 105090102001 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 1, CIC No. 530, Nicols Ridge 2nd Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $231,100.96 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 17, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

June 17, 2010, or the next business day if June 17, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 29, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009465F01 1957537 10/29-12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 13, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $176,000.00 MORTGAGOR(S): Matthew T Dewey and Angie C. Hallows, both single persons MORTGAGEE: First Bank DATE AND PLACE OF RECORDING: Recorded: November 16, 2004 Dakota County Recorder, Document Number: 2267869 ASSIGNMENTS OF MORTGAGE: And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: January 06, 2006, Recorded: January 23, 2006 Dakota County Recorder, Document Number: 2398909 And assigned to: LaSalle Bank National Association, as trustee, on behalf of SAIL 2005-1 Trust Fund, Dated: August 24, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700040769560 Lender or Broker: First Bank Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 13059 Ferris Ct, Apple Valley, MN 55124-8138 Tax Parcel ID Number: 01-31004-180-05 LEGAL DESCRIPTION OF PROPERTY: Lot 18, Block 5, Greenleaf Fifth Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $225,869.74 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 17, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT

LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 29, 2009 ASSIGNEE OF MORTGAGEE: LaSalle Bank National Association, as trustee, on behalf of SAIL 2005-1 Trust Fund Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007588F01 1957944 10/29-12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 1 5 , 2007 MORTGAGOR: M a r y J . R e i l a n d , a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered April 19, 2007, Dakota County Registrar of Titles, Document No. 609350, Certificate of Title No. 142371 ASSIGNMENTS OF MORTGAGE: Assigned to: Roosevelt Mortgage Acquisition Company, Dated: November 16, 2009 Said Mortgage Being Upon Registered Land TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100077910007363241 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Decision One Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: UBS MORTGAGED PROPERTY ADDRESS: 12924 Hamlet Avenue, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-32401-010-02 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 2, Heritage Hills 2nd Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $448,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $527,137.18 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 19, 2009.

Roosevelt Mortgage Acquisition Company Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-979 0335680327 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991719 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 19, 2004 MORTGAGORS: M i c h a e l E . R e d mond and Leanne G. Zarling-Redmond A/K/A Leanne G. Zarling, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded May 27, 2004, Dakota County Recorder, Document No. 2208599.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: November 9, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100073981126281303 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Bremer Bank, N.A RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 18867 Inca Avenue, Lakeville, MN 55044 TAX PARCEL I.D.#: 22-16950-260-01 LEGAL DESCRIPTION OF PROPERTY: Lot 26, Block 1, Century Ridge, CIC No. 296.

Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $145,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $134,067.80 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 26, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 26, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 16, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2741 2001748820 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991619 11/26-12/31/09

PUBLIC NOTICE NOTICE OF ASSESSMENT LIEN

FORECLOSURE SALE Date: October 12, 2009 YOU ARE NOTIFIED THAT: 1. Default has occurred in the terms and conditions of the Declaration of Highland Village Association, Inc. (hereinafter the "Association") which w a s dated September 9, 1991 and recorded as Document No. 1011292, in the Office of the Dakota County Recorder, covering the following property: LEGAL DESCRIPTION: Lot 41, Block 1, Pilot Knob Estates Ninth Addition, Dakota County, Minnesota STREET ADDRESS: 14362 Estates Avenue, Apple Valley, MN 55124 TAX PARCEL ID NUMBER: 01-57508-410-01 2. Pursuant to said Declaration,

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������ ������� thereof;�������� ��� ���� 2. Pursuant to said������ Declaration, PURSUANT to the power of sale conthere is claimed to be due and owing as of October 12, 2009, from Sohan- tained in said mortgage, the above dralal Nandlall and Tharundra Nand- described property will be sold by the lall, title holders, to the Association, a Sheriff of said county as follows: DATE AND TIME OF SALE: DecemMinnesota non-profit corporation, the amount of $6,918.60 for unpaid asso- ber 22, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , ciation dues, late fees, attorneys fees a n d c o s t s , p l u s a n y o t h e r s u c h Law Enforcement Center, 1580 Hwy amounts that will accrue after October 55, Lobby #S-100, Hastings, MN 12, 2009, and other costs of collection to pay the debt then secured by said and foreclosure which will be added to Mortgage, and taxes, if any, on said the amount claimed due and owing at premises, and the costs and disbursements, including attorneys' fees the time of the sale herein.

3. No action is now pending at law or allowed by law subject to redemption otherwise to recover said debt or any within six (6) months from the date of said sale by the mortgagor(s), their part thereof.

4. That all preforeclosure require- personal representatives or assigns unless reduced to Five (5) weeks under ments have been met.

5 . T h e o w n e r s h a v e n o t b e e n MN Stat. §580.07.

TIME AND DATE TO VACATE PROPreleased from their financial obligaERTY: If the real estate is an tion to pay said amount.

6. The Declaration, referenced above, owner-occupied, single-family dwellprovides for a continuing lien against ing, unless otherwise provided by law, the property. A Notice of Lien evidenc- the date on or before which the morting the amount due was recorded on gagor(s) must vacate the property if the January 29, 2008, as Document No. mortgage is not reinstated under sec2 5 6 8 6 9 1 i n t h e D a k o t a C o u n t y tion 580.30 or the property is not redeemed under section 580.23 is Recorder's Office.

7. Pursuant to the power of sale con- 11:59 p.m. on June 22, 2010. tained in the same Declaration and MORTGAGOR(S) RELEASED FROM granted by the owner in taking title to FINANCIAL OBLIGATION ON MORTthe premises subject to said Declara- GAGE: None "THE TIME ALLOWED BY LAW FOR tion, said Lien will be foreclosed by the sale of said property by the Sheriff of REDEMPTION BY THE MORTGAGOR, Dakota County, at the Dakota County THE MORTGAGOR'S PERSONAL REPSheriffs Office, Dakota County Law RESENTATIVES OR ASSIGNS, MAY BE Enforcement Center, 1580 Highway 55 REDUCED TO FIVE WEEKS IF A JUDILobby S-100, Hastings, MN 55033, on CIAL ORDER IS ENTERED UNDER the 17th day of December, 2009, at MINNESOTA STATUTES, SECTION 10:00 a.m. at public auction to the 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G highest bidder, to pay the amount then OTHER THINGS, THAT THE MORTdue for said assessments, together GAGED PREMISES ARE IMPROVED with the costs of foreclosure, includ- WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT ing attorneys fees as allowed by law.

8 . T h e t i m e a l l o w e d b y l a w f o r PROPERTY USED IN AGRICULTURAL redemption by the unit owners, their P R O D U C T I O N , A N D A R E personal representatives or assigns is ABANDONED." Dated: October 20, 2009. six (6) months from the date of sale.

U.S. Bank, N. A. The date and time to vacate the Mortgagee/Assignee of Mortgagee property is 11:59 p.m. on June 17, 2010, if the account is not rein- USSET, WEINGARDEN AND LIEBO, P.L.L.P. stated or the owners do not redeem By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of from the foreclosure sale.

Mortgagee REDEMPTION NOTICE T H E T I M E A L L O W E D B Y L A W 4500 Park Glen Road #300 FOR REDEMPTION BY THE MORT- Minneapolis, MN 55416 G A G O R S , T H E M O R T G A G O R S ' (952) 925-6888 PERSONAL REPRESENTATIVES OR 19-452 ASSIGNS, MAY BE REDUCED TO 7810413703 F I V E W E E K S I F A J U D I C I A L THIS IS A COMMUNICATION FROM ORDER IS ENTERED UNDER MIN- A DEBT COLLECTOR. 10/29-12/3/09 N E S O T A S T A T U T E S , S E C T I O N 1958557 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE NOTICE OF MORTGAGE IMPROVED WITH A RESIDENTIAL FORECLOSURE SALE DWELLING OF LESS THAN FIVE THE RIGHT TO VERIFICATION OF UNITS, ARE NOT PROPERTY USED THE DEBT AND IDENTITY OF THE IN AGRICULTURAL PRODUCTION, ORIGINAL CREDITOR WITHIN THE AND ARE ABANDONED. TIME PROVIDED BY LAW IS NOT 9. THIS IS A COMMUNICATION FROM AFFECTED BY THIS ACTION. NOTICE A DEBT COLLECTOR ATTEMPTING TO IS HEREBY GIVEN: That default has COLLECT A DEBT. ANY INFORMAoccurred in the conditions of the folTION OBTAINED WILL BE USED FOR lowing described mortgage: THAT PURPOSE. DATE OF MORTGAGE: December 14, HIGHLAND VILLAGE 2006 ASSOCIATION, INC. ORIGINAL PRINCIPAL AMOUNT OF Attorneys for Highland Village AssociaMORTGAGE: $226,000.00 tion, Inc.: MORTGAGOR(S): Tara Traux-NewTHOMSEN NYBECK house and Robert Newhouse, wife and By: Gretchen S. Schellhas (#195595) husband 3600 American Blvd. West, Suite 400 MORTGAGEE: Mortgage Electronic Bloomington, Minnesota 55431 Registration Systems, Inc. as a nomi(952) 835-7000 nee for Paragon Home Lending, LLC (Highland Village/Nandlall 07-7-572D) TRANSACTION AGENT: Mortgage 1956741 10/29-12/3/09 Electronic Registration Systems, Inc MIN#: 100200700000632522 SERVICER: Ocwen Loan Servicing LLC NOTICE OF MORTGAGE LENDER: Paragon Home Lending, FORECLOSURE SALE THE RIGHT TO VERIFICATION OF LLC. DATE AND PLACE OF FILING: THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE Dakota County Minnesota, Recorder , T I M E P R O V I D E D B Y L A W I S N O T on January 4, 2007, as Document No. 2485902 AFFECTED BY THIS ACTION. ASSIGNED TO: HSBC Bank USA, NOTICE IS HEREBY GIVEN, that default has occurred in conditions of N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan the following described mortgage: DATE OF MORTGAGE: A u g u s t 3 0 , Trust and for the registered holders of ACE Securities Corp. Home Equity 2004 MORTGAGORS: Annamai E. Cooper Loan Trust, Series 2007-ASAP1, Asset and Barry R. Cooper, wife and hus- Backed Pass-Through Certificates Dated: March 21, 2007 , and recorded band.

MORTGAGEE: Mortgage Electronic September 21, 2009 by Document No. 2685475 .

Registration Systems, Inc. LEGAL DESCRIPTION OF PROPDATE AND PLACE OF RECORDING: Recorded October 1, 2004, Dakota ERTY: Lot 32, Block 1, West Ridge C o u n t y R e c o r d e r , D o c u m e n t N o . First Addition, Dakota County, Minnesota.

2254107.

PROPERTY ADDRESS: 4314 159th ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: Court West, Rosemount, MN 55068 PROPERTY I.D: 34-83700-320-01 October 15, 2009.

COUNTY IN WHICH PROPERTY IS TRANSACTION AGENT: Mortgage LOCATED: Dakota Electronic Registration Systems, Inc. THE AMOUNT CLAIMED TO BE DUE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON ON THE MORTGAGE ON THE DATE OF THE NOTICE: Two Hundred Forty MORTGAGE: 100315900000008143 LENDER OR BROKER AND MORT- Thousand Four Hundred Forty-Eight G A G E O R I G I N A T O R S T A T E D O N and 82/100 ($240,448.82) THAT no action or proceeding has been instiMORTGAGE: River City Mortgage Corp.

RESIDENTIAL MORTGAGE SER- t u t e d a t l a w t o r e c o v e r t h e d e b t secured by said mortgage, or any part VICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: thereof; that there has been compli14355 Banyan Lane, Rosemount, MN ance with all pre-foreclosure notice and acceleration requirements of said 55068 TAX PARCEL I.D.#: 34-14700-370-05 mortgage, and/or applicable statutes; PURSUANT, to the power of sale conLEGAL DESCRIPTION OF PROPERTY: Lot 37, Block 5, Bloomfield, Com- tained in said mortgage, the above mon Interest Community Number described property will be sold by the Sheriff of said county as follows: 250, Dakota County, Minnesota.

DATE AND TIME OF SALE: 10:00 AM COUNTY IN WHICH PROPERTY IS on December 15, 2009 LOCATED: Dakota PLACE OF SALE: Sheriff`s Mai n ORIGINAL PRINCIPAL AMOUNT OF Office, Law Enforcement Center, 1580 MORTGAGE: $198,386.00 AMOUNT DUE AND CLAIMED TO BE Highway 55, Hastings MN 55033-2343 to pay the debt then secured by said DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORT- mortgage and taxes, if any actually paid by the mortgagee, on the preGAGEE: $191,241.27 That prior to the commencement of mises and the costs and disbursethis mortgage foreclosure proceeding m e n t s a l l o w e d b y l a w . T h e t i m e Mortgagee/Assignee of Mortgagee com- allowed by law for redemption by said plied with all notice requirements as mortgagor(s), their personal represenrequired by statute; That no action or tatives or assigns is 6 months from the proceeding has been instituted at law date of sale.

"THE TIME ALLOWED BY LAW FOR or otherwise to recover the debt secured by said mortgage, or any part ���������� �� ���� ����� thereof;

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� ��� ���� ������Dated: ������ ������� October 20, 2009.

U.S. Bank, N. A. ���������� ���� ��������� THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR`S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 29, 2009 HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp.

Home Equity Loan Trust, Series 2007-ASAP1, Asset Backed Pass-Through Certificates Randall S. Miller & Associates, P.C. Attorneys for Assignee of Mortgage/Mortgagee One Financial Plaza 120 South Sixth Street, Suite 1100 Minneapolis, MN 55402 Phone: 612-573-3677 Our File No. 09MN00066-1 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. ASAP# 3317285 1958262 10/29-12/03/2009

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 4, 2008 MORTGAGOR: Michelle L. Molitor, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded April 22, 2008, Dakota County Recorder, Document No. 2586066.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: October 15, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100199600000165882 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Advisor's Mortgage, LLC RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 1628 River Bluff Court, Eagan, MN 55121 TAX PARCEL I.D.#: 10-41300-098-05 LEGAL DESCRIPTION OF PROPERTY: Unit 98, Common Interest Community No. 358 Cedar Bluff Townhouse Condominium, according to the recorded plat thereof, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $113,124.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $115,563.94 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 23, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 23, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 20, 2009.

Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-451 6800144918 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1958570 10/29-12/3/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: S e p t e m b e r 29, 2006 MORTGAGOR: Irene K. Njongwa, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered October 31, 2006, Dakota County Registrar of Titles, Document No. 600452, Certificate of Title No. 112414.

ASSIGNMENTS OF MORTGAGE: Assigned to: Deutsche Bank National Trust Company, as Trustee under NovaStar Mortgage Funding Trust, Series 2006-5, Dated: September 22, 2008, Recorded: November 26, 2008, Document No. T636064.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100080190060243755 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: NovaStar Mortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: Saxon Mortgage Services, Inc. MORTGAGED PROPERTY ADDRESS: 13420 Commonwealth Drive, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-31103-210-01 LEGAL DESCRIPTION OF PROPERTY: Lot 21, Block 1, in Grosse Pointe Fourth Addition, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $228,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $276,895.97 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 30, 2009.

Deutsche Bank National Trust Company, as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 84-414 2000399032 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966878 11/5-12/10/09

PUBLIC NOTICE NOTICE OF ASSESSMENT LIEN

FORECLOSURE SALE Date: November 10, 2009 YOU ARE NOTIFIED THAT: 1. Default has occurred in the terms and conditions of the Declarations for Diffley Commons 2nd Addition Villas and Garden Homes Homeowners Association (hereinafter the "Association") which was recorded as Document No. 1189722 on January 31, 1994, in the Office of the Dakota County Recorder, as amended, and also, pursuant to Minn. Stat. §515B.3-116, covering the following property: LEGAL DESCRIPTION: Unit No. 105, Condominium File No. 116, Diffley Commons 2nd Addition, Villas and Garden Homes, a condominium, Dakota County, Minnesota S T R E E T A D D R E S S : 1932 Sapphire Point, #105, Eagan, Minnesota 55122 TAX PARCEL ID NUMBER: 10-20451-105-04 2. Pursuant to said Declaration, there is claimed to be due and owing as of November 10, 2009, from John Altstatt and Beverly Altstatt, title holders, to the Association, a Minnesota non-profit corporation, the amount of $2,527.98 for unpaid association dues, late fees, attorneys fees and costs, plus any other such amounts that will accrue after November 10, 2009, and other costs of collection and foreclosure which will be added to the amount claimed due and owing at the time of the sale herein.

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

4. That all preforeclosure requirements have been met.

5. The owners have not been released from their financial obligation to pay said amount.

6. The Declaration, referenced above, and Minn. Stat. §§515B.3-115 and 515B.3-116 provide for a continuing lien against the property. A Notice of Lien evidencing the amount due was recorded on October 2, 2009, as Document No. 2688131 in the Dakota County Recorder's Office.

7. Pursuant to the power of sale contained in the same Declaration and granted by the owners in taking title to the premises subject to said Declaration and pursuant to Minn. Stat. §§515B.3-115 and 515B.3-116, said Lien will be foreclosed by the sale of said property by the Sheriff of Dakota County, at the Dakota County Sheriff's Office, Dakota County Law Enforcement Center, 1580 Highway 55 Lobby S-100, Hastings, MN 55033, on the 19th day of January, 2010, at 10:00 a.m. at public auction to the highest bidder, to pay the amount then due for said assessments, together with the costs of foreclosure, including attorneys fees as allowed by law.

8. T h e t i m e a l l o w e d b y l a w f o r redemption by the unit owners, their personal representatives or assigns is six (6) months from the date of sale.

The date and time to vacate the property is 11:59 p.m. on July 19, 2010, if the account is not reinstated or the owners do not redeem from the foreclosure sale.

REDEMPTION NOTICE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGORS, THE MORTGAGORS' PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. 9. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. DIFFLEY COMMONS 2ND ADDITION VILLAS AND GARDEN HOMES HOMEOWNER'S ASSOCIATION Attorneys for Diffley Commons 2nd Addition Villas and Garden Homes Homeowner's Association: THOMSEN NYBECK By: Gretchen S. Schellhas (#195595) 3600 American Blvd. West, Suite 400 Bloomington, Minnesota 55431 (952) 835-7000 (Diffley Commons - Altstatt/08-7-674D) 1990227 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 2 3 , 2009 MORTGAGOR: Gillian M. Pearson, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered April 3, 2009, Dakota County Registrar of Titles, Document No. T641665, Certificate of Title No. 146489.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: October 19, 2009 Said Mortgage being Registered

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100103210000482496 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: The Business Bank, dba Prime Mortgage RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 652 West 35th Street, Hastings, MN 55033 TAX PARCEL I.D.#: 19-71025-110-01 LEGAL DESCRIPTION OF PROPERTY: Lot Eleven (11), Block One (1), South Oaks of Hastings COUNTY IN WHICH PROPERTY IS LOCATED:Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE:$173,463.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $179,202.36 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

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

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7279 1771820101 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966363 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 28, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $348,000.00 MORTGAGOR(S): Aaron P. Welborn and Jane M. Welborn, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: November 07, 2005 Dakota County Recorder, Document Number: 2378823 ASSIGNMENTS OF MORTGAGE: And assigned to: Central Mortgage Company, Dated: February 27, 2009, Recorded: April 14, 2009 Dakota County Recorder, Document Number: 2650088 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100131022500832211 Lender or Broker: American Mortgage Network, Inc. Residential Mortgage Servicer: Central Mortgage Company Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 12593 Eden Ct, Apple Valley, MN 55124-5745 Tax Parcel ID Number: 01-15150-020-01 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 1, Briar Knoll 1st Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $373,686.90 THAT all pre-foreclosure require-

THAT all pre foreclosure require ments have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 17, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 ASSIGNEE OF MORTGAGEE: Central Mortgage Company Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 002172F02 1963422 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: November 01, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $115,200.00 MORTGAGOR(S): Leona Gines, a single woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: December 01, 2004 Dakota County Registrar of Titles, Document Number: 553336 ASSIGNMENTS OF MORTGAGE: And assigned to: The Bank of New York Mellon fka the Bank of New York as Trustee for the Certificateholders CWABS, Inc. Asset-backed Certificates, Series 2004-13, Dated: October 21, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700043043211 Lender or Broker: America's Wholesale Lender Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 134357 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1004 E Travelers Trl, Burnsville, MN 55337-2983 Tax Parcel ID Number: 02-16500-142-01 LEGAL DESCRIPTION OF PROPERTY: Residential Unit No. 42 and Garage Unit No. 42A, Condominium No. 56, Castle Crest Condominiums, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $134,591.68 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 05, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

sonal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 05, 2010, or the next business day if July 05, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 ASSIGNEE OF MORTGAGEE: The Bank of New York Mellon fka the Bank of New York as Trustee for the Certificateholders CWABS, Inc. Asset-backed Certificates, Series 2004-13 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009839F01 1963863 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 5 , 2007 MORTGAGORS: A u d r e y S m i t h a n d Stanley Smith, WIFE AND HUSBAND. MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Registered October 18, 2007, Dakota County Registrar of Titles, Document No. 618937, Certificate of Title No. 127213.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: October 21, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100011520047168358 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: CitiMortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 16110 Inglewood Drive, Lakeville, MN 55044 TAX PARCEL I.D.#: 22-14500-050-05 LEGAL DESCRIPTION OF PROPERTY: Lot 5, Block 5, Bluebill Bay Estates.

Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $195,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $188,511.57 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 13, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 13, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None

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GAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 27, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2613 2004716835 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966810 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 2 5 , 2006 MORTGAGOR: Katherine Sorensen n/k/a Katherine Ann Harris, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded September 21, 2006, Dakota County Recorder, Document No. 2463036.

ASSIGNMENTS OF MORTGAGE: Assigned to: Aurora Loan Services, LLC, Dated: October 19, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100061907000011874 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Summit Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: Aurora Loan Services LLC MORTGAGED PROPERTY ADDRESS: 15657 Eagle Stone Road, Apple Valley, MN 55124 TAX PARCEL I.D. #: 011805230531 LEGAL DESCRIPTION OF PROPERTY: Unit No. 1305, CIC Number 484, a condominium, Legacy Homes at Cobblestone Lake North Shore, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $215,200.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $241,394.53 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 23, 2009.

Aurora Loan Services LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P.

USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 98-931 0033226978 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966645 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 24, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $168,750.00 MORTGAGOR(S): Michael D. Knutson and Georgia L. Knutson, husband and wife MORTGAGEE: Wachovia Mortgage, FSB fka World Savings Bank, FSB DATE AND PLACE OF RECORDING: Recorded: October 28, 2005 Dakota County Recorder, Document Number: 2375465 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Wachovia Mortgage, FSB fka World Savings Bank, FSB Residential Mortgage Servicer: Wachovia Mortgage, FSB Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 2751 River Hills Dr S, Burnsville, MN 55337-3338 Tax Parcel ID Number: 02-53726-130-01 LEGAL DESCRIPTION OF PROPERTY: Lot 13, Block 1, Oak Ridge Park Second Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $199,481.84 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 20, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on May 20, 2010, or the next business day if May 20, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: October 08, 2009 MORTGAGEE: Wachovia Mortgage, FSB fka World Savings Bank, FSB Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008862F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for November 20, 2009 at 10:00 AM has been postponed to November 30, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: November 20, 2009 MORTGAGEE: Wachovia Mortgage, FSB fka World Savings Bank, FSB Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008862F01 1983682 11/26/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: May 19, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $156,800.00 MORTGAGOR(S): Angie Aldrich, an unmarried person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: June 01, 2006 Dakota County Recorder, Document Number: 2434034 ASSIGNMENTS OF MORTGAGE: And assigned to: The Bank of New York Mellon fka the Bank of New York, as trustee for the Certificateholders CWALT Alternative Loan Trust 2006-OA12, Dated: October 27, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1001752-0000300669-2 Lender or Broker: MILA, Inc. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 614 7th St W, Hastings, MN 55033-1718 Tax Parcel ID Number: 19-10500-160-41 LEGAL DESCRIPTION OF PROPERTY: Real Property in Dakota County, Minnesota, described as follows: Lot 16, Block 41, Addition No. Thirteen to the City of Hastings, according to the recorded plat thereof, and situate in Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $174,878.19 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 14, 2010, or the next business day if July 14, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 26, 2009 ASSIGNEE OF MORTGAGEE: The Bank of New York Mellon fka the Bank of New York, as trustee for the Certificateholders CWALT Alternative Loan Trust 2006-OA12 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010026F01 1991388 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J a n u a r y 3 1 , 2007 MORTGAGORS: G i l b e r t o Y b a r r a A/K/A Gilbert Ybarra and Estela S. Ybarra, husband and wife.

MORTGAGEE: J P M o r g a n C h a s e Bank, N.A. DATE AND PLACE OF RECORDING: Recorded February 16, 2007, Dakota County Recorder, Document No. 2497323.

2497323.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: October 20, 2009.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: JPMorgan Chase Bank, N.A. RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 13020 Welcome Lane, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-56600-110-01 LEGAL DESCRIPTION OF PROPERTY: Lot 11, Block 1, Parkwood South 1st Addition, according to the recorded plat thereof, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $232,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $234,608.04 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 28, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7208 1064126624 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966346 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 27, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $310,840.00 MORTGAGOR(S): Benzir Ahmed and Tanjina Helaly, husband and wife MORTGAGEE: 2004-0000329, LLC DATE AND PLACE OF RECORDING: Recorded: October 12, 2007 Dakota County Recorder, Document Number: 2550272 ASSIGNMENTS OF MORTGAGE: And assigned to: Guidance Residential, LLC, Dated: September 27, 2007 Recorded: October 12, 2007 Dakota County Recorder, Document Number: 2550273 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: 2004-0000329, LLC Residential Mortgage Servicer: Dovenmuehle Mortgage, Inc. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 19600 Estes Path, Farmington, MN 55024-7200 Tax Parcel ID Number: 14-16600-140-02 LEGAL DESCRIPTION OF PROPERTY: Lot 14, Block 2, Charleswood Crossing, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $318,461.21

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��� to ���� $318,461.21 ������ ������ ������� allowed�������� by law subject redemption THAT all pre-foreclosure require- within six (6) months from the date of ments have been complied with; that said sale by the mortgagor(s), their no action or proceeding has been insti- personal representatives or assigns tuted at law or otherwise to recover the unless reduced to Five (5) weeks under debt secured by said mortgage, or any MN Stat. §580.07.

TIME AND DATE TO VACATE PROPpart thereof; PURSUANT to the power of sale con- E R T Y : I f t h e r e a l e s t a t e i s a n t a i n e d i n s a i d m o r t g a g e , t h e owner-occupied, single-family dwellabove-described property will be sold ing, unless otherwise provided by law, by the Sheriff of said county as fol- the date on or before which the mortgagor(s) must vacate the property if the lows: DATE AND TIME OF SALE: January mortgage is not reinstated under section 580.30 or the property is not 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County redeemed under section 580.23 is Law Enforcement Center, 1580 High- 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM way 55, Lobby S-100, Hastings, MinneFINANCIAL OBLIGATION ON MORTsota to pay the debt secured by said mort- GAGE: None "THE TIME ALLOWED BY LAW FOR gage and taxes, if any, on said premises and the costs and disburse- REDEMPTION BY THE MORTGAGOR, ments, including attorney fees allowed THE MORTGAGOR'S PERSONAL REPby law, subject to redemption within RESENTATIVES OR ASSIGNS, MAY BE six (6) months from the date of said REDUCED TO FIVE WEEKS IF A JUDIsale by the mortgagor(s), their per- CIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION sonal representatives or assigns.

If the Mortgage is not reinstated 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G under Minn. Stat. §580.30 or the prop- OTHER THINGS, THAT THE MORTerty is not redeemed under Minn. Stat. GAGED PREMISES ARE IMPROVED §580.23, the Mortgagor must vacate WITH A RESIDENTIAL DWELLING OF the property on or before 11:59 p.m. on LESS THAN FIVE UNITS, ARE NOT July 07, 2010, or the next business day PROPERTY USED IN AGRICULTURAL if July 07, 2010 falls on a Saturday, P R O D U C T I O N , A N D A R E ABANDONED." Sunday or legal holiday.

Dated: October 26, 2009.

Mortgagor(s) released from financial CitiMortgage, Inc. obligation: NONE Mortgagee/Assignee of Mortgagee THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPT- USSET, WEINGARDEN AND LIEBO, P.L.L.P. ING TO COLLECT A DEBT. ANY By: Paul A. Weingarden INFORMATION OBTAINED WILL BE Attorneys for Mortgagee/Assignee of Mortgagee USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF 4500 Park Glen Road #300 THE DEBT AND IDENTITY OF THE Minneapolis, MN 55416 ORIGINAL CREDITOR WITHIN THE (952) 925-6888 T I M E P R O V I D E D B Y L A W I S N O T 10-2441 638056818 AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR THIS IS A COMMUNICATION FROM REDEMPTION BY THE MORTGAGOR, A DEBT COLLECTOR. 11/5-12/10/09 THE MORTGAGOR'S PERSONAL REP- 1966147 RESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER NOTICE OF MORTGAGE MINNESOTA STATUTES, SECTION FORECLOSURE SALE 582.032, DETERMINING, AMONG THE RIGHT TO VERIFICATION OF OTHER THINGS, THAT THE MORTTHE DEBT AND IDENTITY OF THE GAGED PREMISES ARE IMPROVED ORIGINAL CREDITOR WITHIN THE WITH A RESIDENTIAL DWELLING OF TIME PROVIDED BY LAW IS NOT LESS THAN FIVE UNITS, ARE NOT AFFECTED BY THIS ACTION. PROPERTY USED IN AGRICULTURAL NOTICE IS HEREBY GIVEN, that PRODUCTION, AND ARE ABANDONED. default has occurred in conditions of DATED: November 05, 2009 the following described mortgage: ASSIGNEE OF MORTGAGEE: DATE OF MORTGAGE: April 27, 2005 Guidance Residential, LLC MORTGAGOR: T i m o t h y M . M o n t Wilford & Geske, P.A. gomery, a single person.

Attorneys for Assignee of Mortgagee MORTGAGEE: Mortgage Electronic Lawrence A. Wilford Registration Systems, Inc. James A. Geske DATE AND PLACE OF RECORDING: 8425 Seasons Parkway, Suite 105 Recorded June 8, 2005, Dakota Woodbury, MN 55125-4393 County Recorder, Document No. (651) 209-3300 2328486.

File Number: 009418F01 ASSIGNMENTS OF MORTGAGE: 1965833 11/5-12/10/09 Assigned to: Aurora Loan Services, LLC, Dated: October 19, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. NOTICE OF MORTGAGE TRANSACTION AGENT'S MORTFORECLOSURE SALE THE RIGHT TO VERIFICATION OF GAGE IDENTIFICATION NUMBER ON THE DEBT AND IDENTITY OF THE MORTGAGE: 100039223350003654 LENDER OR BROKER AND MORTORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT GAGE ORIGINATOR STATED ON MORTGAGE: First Magnus Financial AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that Corporation RESIDENTIAL MORTGAGE SERdefault has occurred in conditions of VICER: Aurora Loan Services LLC the following described mortgage: MORTGAGED PROPERTY ADDRESS: DATE OF MORTGAGE: J u n e 2 5 , 3937 156th Street West, Rosemount, 2003 MORTGAGOR: G l e n d a L o r r a i n e MN 55068 TAX PARCEL I.D.#: 34-81310-320-02 McCalister, a single person.

LEGAL DESCRIPTION OF PROPMORTGAGEE: A B N A M R O M O R T ERTY: GAGE GROUP, INC. N/K/A CitiMortLot 32, Block 2, Valley Oak Addition gage, Inc. Replat, Dakota County, Minnesota.

DATE AND PLACE OF RECORDING: COUNTY IN WHICH PROPERTY IS Registered August 19, 2003, Dakota County Registrar of Titles, Document LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF No. 0510829, Certificate of Title No. MORTGAGE: $200,000.00 103570.

DUE AND CLAIMED TO BE AMOUNT ASSIGNMENTS OF MORTGAGE: DUE AS OF DATE OF NOTICE, INCLUDNONE S a i d M o r t g a g e b e i n g R e g i s t e r e d ING TAXES, IF ANY, PAID BY MORTGAGEE: $206,985.12 Land.

That prior to the commencement of TRANSACTION AGENT: NONE T R A N S A C T I O N A G E N T ' S M O R T - this mortgage foreclosure proceeding GAGE IDENTIFICATION NUMBER ON Mortgagee/Assignee of Mortgagee complied with all notice requirements as MORTGAGE: NONE LENDER OR BROKER AND MORT- required by statute; That no action or G A G E O R I G I N A T O R S T A T E D O N proceeding has been instituted at law MORTGAGE: ABN AMRO MORTGAGE o r o t h e r w i s e t o r e c o v e r t h e d e b t secured by said mortgage, or any part GROUP, INC. N/K/A CitiMortgage, Inc. R E S I D E N T I A L M O R T G A G E S E R - thereof; PURSUANT to the power of sale conVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: tained in said mortgage, the above described property will be sold by the 3206 Marice Court, Eagan, MN 55121 TAX PARCEL I.D.#: 10-20960-040-04 Sheriff of said county as follows: DATE AND TIME OF SALE: January LEGAL DESCRIPTION OF PROP7, 2010 at 10:00 AM ERTY: PLACE OF SALE: S h e r i f f ' s O f f i c e , Lot 4, Block 4, Donnywood. Dakota Law Enforcement Center, 1580 Hwy County COUNTY IN WHICH PROPERTY IS 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF Mortgage, and taxes, if any, on said premises, and the costs and disburseMORTGAGE: $137,200.00 AMOUNT DUE AND CLAIMED TO BE m e n t s , i n c l u d i n g a t t o r n e y s ' f e e s DUE AS OF DATE OF NOTICE, INCLUD- allowed by law subject to redemption ING TAXES, IF ANY, PAID BY MORT- within six (6) months from the date of said sale by the mortgagor(s), their GAGEE:$126,992.44 That prior to the commencement of personal representatives or assigns this mortgage foreclosure proceeding unless reduced to Five (5) weeks under Mortgagee/Assignee of Mortgagee com- MN Stat. §580.07.

TIME AND DATE TO VACATE PROPplied with all notice requirements as required by statute; That no action or E R T Y : I f t h e r e a l e s t a t e i s a n owner-occupied, single-family dwellproceeding has been instituted at law o r o t h e r w i s e t o r e c o v e r t h e d e b t ing, unless otherwise provided by law, secured by said mortgage, or any part the date on or before which the mortgagor(s) must vacate the property if the thereof; PURSUANT to the power of sale con- mortgage is not reinstated under sectained in said mortgage, the above tion 580.30 or the property is not described property will be sold by the redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

Sheriff of said county as follows: MORTGAGOR(S) RELEASED FROM DATE AND TIME OF SALE: January FINANCIAL OBLIGATION ON MORT7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , GAGE: None "THE TIME ALLOWED BY LAW FOR Law Enforcement Center, 1580 Hwy REDEMPTION BY THE MORTGAGOR, 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said THE MORTGAGOR'S PERSONAL REPMortgage, and taxes, if any, on said RESENTATIVES OR ASSIGNS, MAY BE premises, and the costs and disburse- REDUCED TO FIVE WEEKS IF A JUDIments, including attorneys' fees allowed by law subject to redemption ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� ��� ���� ������ ������ ������� ���������� ���� ��������� REDUCED TO FIVE WEEKS IF A JUDI CIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 23, 2009.

Aurora Loan Services LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 98-925 0030701205 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966694 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: May 20, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $300,000.00 MORTGAGOR(S): Teri Jo Nutt, a single person MORTGAGEE: TCF Mortgage Corporation DATE AND PLACE OF RECORDING: Recorded: July 08, 2003 Dakota County Recorder, Document Number: 2075250 ASSIGNMENTS OF MORTGAGE: And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: May 01, 2006, Recorded: May 10, 2006 Dakota County Recorder, Document Number: 2428055 And assigned to: U.S. Bank National Association, Dated: November 04, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001860376 Lender or Broker: TCF Mortgage Corporation Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 13130 Evermore Pkwy, Apple Valley, MN 55124-5250 Tax Parcel ID Number: 01-24800-070-01 LEGAL DESCRIPTION OF PROPERTY: Lot 7, Block 1, Evermoor Apple Valley, CIC No. 299, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $283,261.00 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006897F02 1982396 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 02, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $197,600.00 MORTGAGOR(S): Victor Hugo Arteaga, single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: August 22, 2006 Dakota County Recorder, Document Number: 2455445 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100122200002725320 Lender or Broker: BNC Mortgage, Inc. Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 648 1st Ave S, South Saint Paul, MN 55075-2804 Tax Parcel ID Number: 36-75100-180-14 LEGAL DESCRIPTION OF PROPERTY: Lot 18, Block 14, Tarbox Addition to South St. Paul, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $211,239.68 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 14, 2010, or the next business day if July 14, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 26, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 003399F02 1991462 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J a n u a r y 2 7 , 2006 MORTGAGORS: Richard W. Lee and Virginia Lee, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded April 20, 2006, Dakota County Recorder, Document No. 2421750.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: October 19, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100285700000166024 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Winstar Mortgage Partners, Inc. dba Partner Loan Services RESIDENTIAL MORTGAGE SER-

RESIDENTIAL MORTGAGE SER VICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 629 Evergreen Drive, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-84810-015-01 LEGAL DESCRIPTION OF PROPERTY: Lot 15, Block 1, Wood Park Plat Eleven COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $135,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $138,148.99 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 5, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

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

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

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7263 1915300459 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966377 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: June 8, 2007 MORTGAGORS: Hiep T. Nguyen and Oanh T. Nguyen, husband and wife.

MORTGAGEE: National City Mortgage a division of National City Bank.

DATE AND PLACE OF RECORDING: Recorded June 15, 2007, Dakota County Recorder, Document No. 2524511; as Corrected by Corrective Mortgage, Recorded: September 10, 2007, Document NO.2542947.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: National City Mortgage a division of National City Bank RESIDENTIAL MORTGAGE SERVICER: National City Real Estate Services LLC MORTGAGED PROPERTY ADDRESS: 14901 Crystal Lake Road West, Burnsville, MN 55306 TAX PARCEL I.D.#: 02-53715-270-01 LEGAL DESCRIPTION OF PROPERTY: Lot 27, Block 1, Oak Ridge, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $292,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $275,772.33 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt

or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 12, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 12, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 28, 2009.

National City Bank Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 4-1850 0005578689 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966123 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 2 9 , 2007 MORTGAGORS: Burton Erickson and Danelle Erickson, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded September 18, 2007, Dakota County Recorder, Document No. 2544605.

ASSIGNMENTS OF MORTGAGE: Assigned to: Aurora Loan Services, LLC, Dated: October 20, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100024200018151478 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: American Brokers Conduit RESIDENTIAL MORTGAGE SERVICER: Aurora Loan Services LLC MORTGAGED PROPERTY ADDRESS: 16073 Flagstaff Avenue, Lakeville, MN 55044 TAX PARCEL I.D.#: 22-73400-020-01 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 1, Sunrise Village Common Interest Community No. 586.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $273,600.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $307,157.58 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 12, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an

ERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 12, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 27, 2009.

Aurora Loan Services LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 98-929 0124846312 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966715 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 04, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $188,000.00 MORTGAGOR(S): Lucy Nelson, and Dennis Nelson, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: January 12, 2007 Dakota County Recorder, Document Number: 2487774 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association, as Trustee of Mastr Adjustable Rate Mortgages Trust 2006-OA2 Dated: May 08, 2008, Recorded: May 13, 2008 Dakota County Recorder, Document Number: 2589783 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100133700016976469 Lender or Broker: Countrywide Bank, N.A. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 912 Oakdale Ave, West Saint Paul, MN 55118-1537 Tax Parcel ID Number: 42-43300-140-01 LEGAL DESCRIPTION OF PROPERTY: Lot 12, 13 and 14, Block 1, except the East 40 feet thereof and except the South 10 feet of Lot 14, Block 1, Krey and Stoven's Addition to St. Paul, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $232,495.58 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED

GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association, as Trustee of Mastr Adjustable Rate Mortgages Trust 2006-OA2 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007427F01 1966586 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: S e p t e m b e r 25, 2006 MORTGAGORS: Adrian D. Vega and Louise G. Vega, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded October 10, 2006, Dakota County Recorder, Document No. 2467192.

ASSIGNMENTS OF MORTGAGE: Assigned to: Deutsche Bank National Trust Company, as Trustee for NovaStar Mortgage Funding Trust, Series 2006-5, Dated: October 30, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100080190060021946 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: NovaStar Mortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: Saxon Mortgage Services, Inc. MORTGAGED PROPERTY ADDRESS: 233 Richmond Street West, South Saint Paul, MN 55075 TAX PARCEL I.D.#: 36-71500-090-44 LEGAL DESCRIPTION OF PROPERTY: The West 1/2 of Lot 8 and all of Lot 9, Block 44, Spring Park, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $188,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $195,952.42 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 6, 2009.

Deutsche Bank National Trust Company, as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 84-586 2000399058 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1986770 11/26-12/31/09

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PUBLIC NOTICE NOTICE OF ASSOCIATION LIEN

FORECLOSURE SALE NOTICE IS HEREBY GIVEN, that default has occurred in the terms and conditions of the Declaration for Ridgeview Condominium Homes ("Declaration") as recorded in the office of the County Recorder in and for Dakota County, Minnesota, which said Declaration covers the following described property situated in the County of Dakota and State of Minnesota, to-wit: Apartment Number 101, 12922 Nicollet Avenue South, Condominium Ownership No. 15, Ridgeview Condominium Homes according to the plat thereof on file or of record in the Office of the County Recorder in and for Dakota County, Minnesota.

P R O P E R T Y A D D R E S S : 12922 Nicollet Avenue South Unit 101, Burnsville MN 55337.

THAT, pursuant to said Declaration, there is claimed to be due and owing as of the date of this Notice by Lisbeth B. McKenzie, as Unit owner, to Ridgeview Homeowners Association, the principal amount of Five Thousand Nine Hundred Ninety One and 50/100 ($5,991.50) for condominium assessments; and that any action being now pending at law or otherwise to recover said debt or any part thereof has been discontinued, or that an execution upon any judgment rendered therein has been returned unsatisfied, in whole or in part, and; THAT, pursuant to said Declaration, and the statute in such case made and provided, said debt creates a lien upon said premises in favor of Ridgeview Homeowners Association, as evidenced by that Notice of Lien dated April 30, 2009, and recorded June 5, 2009, as Document No. 2662286 in the office of the County Recorder in and for Dakota County, Minnesota.

THAT, notice is hereby given that by virtue of the power of sale created by statute, said lien will be foreclosed by the sale of said premises with the hereditiments and appurtenances thereto, which said sale will be made by the Sheriff of Dakota County, at public auction to the highest bidder, for cash, to pay the amount then due for said condominium assessments, together with the costs of foreclosure, including attorney's fees as allowed by law, as follows: DATE AND TIME OF SALE: January 13, 2010, at 10:00 A.M. PLACE OF SALE: Law Enforcement Center, 1580 Highway 55, Hastings, MN. The time allowed by law for redemption by the Unit owner, their personal representatives or assigns, is six (6) months from the date of said sale. If no redemption occurs, the property must be vacated by 11:59pm on July 13, 2010.

Dated: November 18, 2009 By /s/ David J. Raymond, #221818 Attorney for Ridgeview Homeowners Association 5838 Blackshire Path Inver Grove Heights, MN 55076 651-455-3100 File # 1441129 THIS COMMUNICATION IS FROM A DEBT COLLECTOR. 1988582 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 23, 2007 MORTGAGORS: Errol M. Fisher and Sherry A. Fisher, both single.

MORTGAGEE: Option One Mortgage Corporation.

DATE AND PLACE OF RECORDING: Recorded May 9, 2007, Dakota County Recorder, Document No. 2515432.

ASSIGNMENTS OF MORTGAGE: Assigned to: Wells Fargo Bank, N.A. as Trustee for Option One Mortgage Loan Trust 2007-6 Asset-Backed Certificates, Series 2007-6, Dated: October 10, 2008, Recorded: October 17, 2008, Document No. 2618400.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Option One Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: American Home Mortgage Servicing, Inc MORTGAGED PROPERTY ADDRESS: 412 1st Street, Farmington, MN 55024 TAX PARCEL I.D.#: 14-77000-060-13 LEGAL DESCRIPTION OF PROPERTY: The North 50 feet of Lots 4, 5, and 6, Block 13, Town of Farmington, Dakota County, MN., according to the recorded plat thereof.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $125,992.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $138,583.19 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as

plied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 12, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 12, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 28, 2009.

Wells Fargo Bank, N.A., as Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 40-2424 0023086432 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966842 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 2 9 , 2007 MORTGAGORS: E r v i n A . K o o i s t r a and Carol M. Kooistra, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered August 8, 2007, Dakota County Registrar of Titles, Document No. 615273, Certificate of Title No. 143154.

ASSIGNMENTS OF MORTGAGE: Assigned to: Aurora Loan Services, LLC, Dated: October 19, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100062604742953427 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Homecomings Financial, LLC f/k/a Homecomings Financial Network, Inc. RESIDENTIAL MORTGAGE SERVICER: Aurora Loan Services LLC MORTGAGED PROPERTY ADDRESS: 13121 Longview Drive, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-31101-110-02 LEGAL DESCRIPTION OF PROPERTY: Lot 11, Block 2, in Grosse Pointe Second Addition, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $403,200.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $445,959.08 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disburse-

premises, and the costs and disburse ments, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 23, 2009.

Aurora Loan Services LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 98-930 0021438809 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 196663 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 1 1 , 2006 MORTGAGORS: Ronald S. Baker and Carolyn T. Baker, husband and wife.

MORTGAGEE: ABN Amro Mortgage Group, Inc. n/k/a CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Recorded August 22, 2006, Dakota County Recorder, Document No. 2455448.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: ABN Amro Mortgage Group, Inc. n/k/a CitiMortgage, Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 505 Elm Street, Farmington, MN 55024 TAX PARCEL I.D.#: 14-23570-080-00 LEGAL DESCRIPTION OF PROPERTY: Lot Eight of Elmway Addition, in the Village (now City) of Farmington COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $142,200.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $146,762.30 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 6, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

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

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION

MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 26, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2509 653752060 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966159 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: January 07, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $201,000.00 MORTGAGOR(S): Martha Alicea and Robert Alicea, Wife and husband MORTGAGEE: Teacher Federal Credit Union DATE AND PLACE OF RECORDING: Recorded: January 31, 2005 Dakota County Recorder Document Number: 2290740 ASSIGNMENTS OF MORTGAGE: And assigned to: CU Members Mortgage Dated: January 07, 2005, Recorded: January 31, 2005 Dakota County Recorder Document Number: 2290741 And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: January 21, 2005, Recorded: June 03, 2005 Dakota County Recorder Document Number: 2327458 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100029003772041785 Lender or Broker: Teacher Federal Credit Union Residential Mortgage Servicer: Colonial Savings Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 502 7th Ave S, South Saint Paul, MN 55075-2703 Tax Parcel ID Number: 36-75100-300-02 LEGAL DESCRIPTION OF PROPERTY: Lot 30, and the North 1/2 of Lot 29, Block 2, Tarbox Addition to South St. Paul, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $209,543.44 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 14, 2010, or the next business day if July 14, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 25, 2009 ASSIGNEE OF MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 002048F02 1986362 11/26-12/31/09

������ ������ ������� �������� ����2056917 ��� Recorder Document ��� Number:

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 24, 2002 MORTGAGOR: Fatu Awoji, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded June 19, 2002, Dakota County Recorder, Document No. 1907596.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc, Dated: October 28, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100013900740746833 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Irwin Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 12984 Nicollet Avenue South #302, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-01300-678-16 LEGAL DESCRIPTION OF PROPERTY: Apartment No. 302, 12984 Nicollet Ave So., Apartment Ownership No. 15, Ridgeview Condominium Homes COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $67,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $57,955.38 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 17, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2646 401714127 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991339 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: April 24, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $147,700.00 MORTGAGOR(S): Lisa M. Vavra and Allen C. Vavra, wife and husband MORTGAGEE: Bankers Mortgage Company, LLC DATE AND PLACE OF RECORDING: Recorded: June 04, 2003 Dakota County Recorder Document Number: 2056916 ASSIGNMENTS OF MORTGAGE: And assigned to: TCF Mortgage Corporation, Dated: April 24, 2003, Recorded: June 04, 2003 Dakota County Recorder Document Number: 2056917

And assigned to: Mortgage Electronic Registration Systems, Inc, Dated: May 01, 2006, Recorded: May 10, 2006 Dakota County Recorder Document Number: 2427777 And assigned to: U.S. Bank, N.A., Dated: October 02, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001842333 Lender or Broker: Bankers Mortgage Company, LLC Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 616 2nd St, Farmington, MN 55024-1229 Tax Parcel ID Number: 14-77000-080-05 LEGAL DESCRIPTION OF PROPERTY: Lot 8, and the South 15 feet of Lot 7, Block 5, Town of Farmington, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $109,741.30 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 17, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank, N.A. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 005360F01 1965980 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 3 0 , 2007 MORTGAGORS: Patricia Antwi and Patience Senkyire, both single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded April 19, 2007, Dakota County Recorder, Document No. 2510869.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc, Dated: October 13, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100053030011320927 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Aegis Wholesale Corporation RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 18234 Kerrville Trail #104, Lakeville, MN 55044 TAX PARCEL I.D.#: 22-58500-104-20 LEGAL DESCRIPTION OF PROPERTY: Unit 104, Prairie Lake Lodges, Common Interest Community Number 372 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF

���������� �� ���� �����

��� �������� ��� ���� ������ ������� 14, ������ 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s ���������� ���� ��������� ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $195,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $209,317.96 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 26, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2465 2004300643 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1965534 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE:M a r c h 1 4 , 2006 MORTGAGORS:Dedi Ekasa and Dian Wisdianawati, HUSBAND AND WIFE. MORTGAGEE:Chase Bank USA, N.A. DATE AND PLACE OF RECORDING: Recorded July 24, 2006, Dakota County Recorder, Document No. 2447806.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank National Association, as Trustee for J.P. Morgan Mortgage Acquisition Trust 2006-CH2, Asset Backed Pass-Through Certificates, Series 2006-CH2, Dated: September 28, 2009, Recorded: October 7, 2009, Document No. 2688960.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Chase Bank USA, N.A. RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance, LLC MORTGAGED PROPERTY ADDRESS: 14724 Hayes Road, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-16301-010-01 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 1, Carrollton Estates 2nd Addition. Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $216,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $222,639.54 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM

Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 28, 2009.

U.S. Bank National Association, Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 75-3779 22681167 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966825 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 27, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $350,000.00 MORTGAGOR(S): Glenn L. Hofer and MaryLou Hofer, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: November 19, 2004 Dakota County Recorder Document Number: 2269295 ASSIGNMENTS OF MORTGAGE: And assigned to: Suntrust Mortgage, Inc., Dated: October 28, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100103210000079912 Lender or Broker: Prime Mortgage Corporation Residential Mortgage Servicer: SunTrust Mortgage, Inc. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 16602 Hearthside Way, Lakeville, MN 55044-4207 Tax Parcel ID Number: 22-75100-040-05 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 5, Tarry Creek, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $327,358.26 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 17, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE

RESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 ASSIGNEE OF MORTGAGEE: Suntrust Mortgage, Inc. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009688F01 1965812 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 2 3 , 2006 MORTGAGORS: S o v a n n H a n g a n d Sengdao Manivanh, wife and husband.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded March 31, 2006, Dakota County Recorder, Document No. 2417058.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc, Dated: October 27, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100013700078337001 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Wachovia Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 18821 Embers Avenue, Farmington, MN 55024 TAX PARCEL I.D.#: 14-58652-190-02 LEGAL DESCRIPTION OF PROPERTY: Lot 19, Block 2, Prairie Creek Third Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $213,600.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $220,097.95 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 19, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 19, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 17, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2630 12302017 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991311 11/26-12/31/09

PUBLIC NOTICE PUBLIC NOTICE NOTICE OF MORTGAGE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 26, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $528,000.00 MORTGAGOR(S): Michelle J Simonsen and Thomas L Simonsen, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: November 28, 2006 Dakota County Recorder, Document Number: 2477968 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100232301120042015 Lender or Broker: Centennial Mortgage and Funding, Inc. Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 18375 Ipava Ave, Lakeville, MN 55044-7783 Tax Parcel ID Number: 22-01800-010-08 LEGAL DESCRIPTION OF PROPERTY: That part of the East Half of the East Half of the Northeast Quarter of Section 18, Township 114, Range 20, Dakota County, Minnesota, described as follows: Beginning at the intersection of the South line of the North 1959.50 feet of the Northeast Quarter of said Section 18 with the West line of the East Half of the East Half of the Northeast Quarter of said Section 18; thence Easterly along the South line of the said North 1959.50 feet of the Northeast Quarter a distance of 655.45 feet to the East line of the said Northeast Quarter; thence Northerly along the East line of the said Northeast Quarter a distance of 8.50 feet; thence Westerly on a straight line to a point in the West line of the said East Half of the East Half of the Northeast Quarter, distant 20.00 feet Northerly of the point of beginning; thence Southerly along the West line of the said East Half of the East Half of the Northeast Quarter a distance of 20.00 feet to the point of beginning.

Excepting therefrom that part lying Easterly of the center line of the town road (Ipava Avenue) as traveled AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $424,726.86 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 14, 2010, or the next business day if July 14, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 26, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010424F01 1991559 11/26-12/31/09

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: February 21, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $182,000.00 MORTGAGOR(S): Matthew R Kachman, single MORTGAGEE: U.S. Bank National Association ND DATE AND PLACE OF RECORDING: Recorded: March 22, 2007 Dakota County Recorder, Document Number: 2504474 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: U.S. Bank National Association ND Residential Mortgage Servicer: U.S. Bank Consumer Finance Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 20732 Hampshire Cir, Lakeville, MN 55044-4667 Tax Parcel ID Number: 22-82052-180-02 LEGAL DESCRIPTION OF PROPERTY: Lot 18, Block 2, Village Creek 3rd Addition, CIC No. 327, Dakota County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $189,718.08 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 17, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 MORTGAGEE: U.S. Bank National Association ND Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009199F01 1965883 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 27, 2004 MORTGAGORS: Nathan D. Johnson and Anna M. Johnson, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded August 24, 2004, Dakota County Recorder, Document No. 2241482.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc, Dated: October 8, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100026600064230159 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Freeland Financial Services Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc.

VICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 20558 Camden Path, Farmington, MN 55024 TAX PARCEL I.D.#: 14-74900-080-03 LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 3, Tamarack Ridge, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $245,750.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $235,919.16 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 26, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2038 6423015 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966174 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 26, 2001 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $132,000.00 MORTGAGOR(S): Richard A. Gorans and Karen R. Gorans, husband and wife MORTGAGEE: Anchor Bank, West St. Paul, N.A. DATE AND PLACE OF REGISTERING: Registered: December 03, 2001 Dakota County Registrar of Titles, Document Number: 453685 ASSIGNMENTS OF MORTGAGE:And assigned to: TCF Mortgage Corporation, Dated: September 26, 2001, Registered: December 03, 2001 Dakota County Registrar of Titles, Document Number: 453686 And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: May 01, 2006, Registered: May 09, 2006 Dakota County Registrar of Titles, Document Number: 589832 And assigned to: U.S. Bank National Association, Dated: October 03, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001721412 Lender or Broker: Anchor Bank, West St. Paul, N.A. Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 97350 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 721 22nd Ave N, South Saint Paul, MN 55075-1318 Tax Parcel ID Number: 36-76800-250-01 LEGAL DESCRIPTION OF PROPERTY: Lot 25, Block 1, Tower Heights, according to the recorded plat thereof and situate in Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $123,214.63

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$123,214.63 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 17, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009152F01 1966003 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 1 5 , 2004 MORTGAGORS: Daniel J. Lick and Dana M. Lick, husband and wife.

MORTGAGEE: J P M o r g a n C h a s e Bank, N.A. as successor in interest to Washington Mutual Bank, FA. DATE AND PLACE OF RECORDING: Recorded July 23, 2004, Dakota County Recorder, Document No. 2229489.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Washington Mutual Bank, FA RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 220 North 18th Avenue, South Saint Paul, MN 55075 TAX PARCEL I.D.#: 36-17200-060-00 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Choban's Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $196,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $218,811.86 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption

allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 23, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2573 0680393337 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966966 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 3 0 , 2004 MORTGAGORS: Ronald S. Baker and Carolyn T. Baker, husband and wife.

MORTGAGEE: ABN AMRO Mortgage Group, Inc. n/k/a CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Recorded September 27, 2004, Dakota County Recorder, Document No. 2252250.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: ABN AMRO Mortgage Group, Inc. n/k/a CitiMortgage, Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 408 Elm Street, Farmington, MN 55024 TAX PARCEL I.D.#: 14-77000-040-24 LEGAL DESCRIPTION OF PROPERTY: Lot Four in Block Twenty-Four, Town of Farmington COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $153,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $150,776.25 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORT-

OTHER THINGS, THAT THE MORT GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 26, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2510 646320928 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966136 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN, that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: May 9, 2007.

MORTGAGOR(S): Reno & Associates Development Group, LLC, a Minnesota limited liability company.

MORTGAGEE: American Bank of St. Paul.

DATE AND PLACE OF RECORDING: Filed May 14, 2007, Dakota County Recorder, as Document No. 2517026.

ASSIGNMENT(S) OF MORTGAGE: NA. The land described in said mortgage is not registered land.

MORTGAGE HOLDER (as defined in section 58.02): Transaction Agent: NA. Transaction Agent's Mortgage Identification Number on Mortgage: NA. Lender or Broker: American Bank of St. Paul.

Residential Mortgage Servicer: NA. MORTGAGE ORIGINATOR (as defined in section 58.02): American Bank of St. Paul.

MORTGAGED PROPERTY ADDRESS: 1007 Robert Street South, West St. Paul, Minnesota 55118.

TAX PARCEL I.D. NO.: 42-48100-030-09.

LEGAL DESCRIPTION OF PROPERTY: Lots 1, 2 and 3, Block 9, B. Michel's Addition to West St. Paul, except that part of Lot 1 described as follows: Commencing at the Northeast corner of Lot 1; thence Westerly along the North line of said Lot 1 a distance of 140 feet; thence South along the West line of said Lot 1, a distance of 2.5 feet; thence Southeasterly to a point on the East line of said Lot 1 which point is 20 feet South of the Northeast corner of said Lot 1; thence North 20 feet along said East line of Lot 1 to the point of beginning; together with all equipment including but not limited to: All machinery, vehicles, furniture, fixtures, manufacturing equipment, farm machinery and equipment, shop equipment, office and record keeping equipment, and parts and tools.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota.

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $1,023,945.00.

AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THIS NOTICE: $691,782.32.

The holder of the mortgage has complied with all conditions precedent to acceleration of the debt secured by the mortgage and foreclosure of the mortgage and all notice and other requirements of applicable statutes. That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof.

PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 a.m.

PLACE OF SALE: Sheriff's main office in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby #S-100, in the City of Hastings, County of Dakota, State of Minnesota. to pay the debt then secured by said mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: none.

"THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N A N D A R E ABANDONED." Dated: November 11, 2009.

AMERICAN BANK OF ST. PAUL, Mortgagee /s/ Peter B. Tiede PETER B. TIEDE -forAtty. I.D. #245094 MURNANE BRANDT Attorneys for Mortgagee 30 East Seventh Street, Suite 3200 St. Paul, Minnesota 55101 Telephone (651) 227-9411 1011969 1982589 11/19-12/24/09

������ ������ ������� �������� ��� Recorder, Document��� No. ���� 2318703.

PUBLIC NOTICE PUBLIC NOTICE NOTICE OF MORTGAGE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 16, 2006 MORTGAGORS: D a r r i n M H a n s o n and Jodi A Hanson, husband and wife.

MORTGAGEE: A M C M o r t g a g e S e r vices, Inc..

DATE AND PLACE OF RECORDING: Registered December 11, 2006, Dakota County Registrar of Titles, Document No. 602413, Certificate of Title No. 113826.

ASSIGNMENTS OF MORTGAGE: Assigned to: US Bank National Association as Trustee, in trust for the registered holders of Citigroup Mortgage Loan Trust 2007-AMC, Asset-Backed pass through certificates, series 2007-AMC2, Dated: November 24, 2006, Recorded: August 11, 2008, Document No. T631740. And thereafter assigned to: Mortgage Electronic Registration Systems, Inc, Dated: August 24, 2009, and by Doc # T640091. And thereafter assigned to CitiMOrtgage, Inc., Dated: August 25, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: AMC Mortgage Services, Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 17540 Finesse Trail, Farmington, MN 55024 TAX PARCEL I.D. #: 224162504001 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 1, Kenridge COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $329,067.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $373,156.74 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 28, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 13, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2201 9000173303 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1991431 11/26-12/31/09

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 2 2 , 2005 MORTGAGOR: Pennie Thompson, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded March 28, 2005, Dakota County Recorder, Document No. 2308065.

ASSIGNMENTS OF MORTGAGE: Assigned to: BAC Home Loans Servicing L.P. f/k/a Countrywide Home Loans Servicing L.P., Dated: November 2, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100038900010004658 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Voyager Bank RESIDENTIAL MORTGAGE SERVICER: BAC Home Loans Servicing L.P. MORTGAGED PROPERTY ADDRESS: 4614 Stonecliff Drive, Eagan, MN 55122 TAX PARCEL I.D.#: 10.57661.040.01 LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 1, Pinetree Pass 2nd Addition.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $422,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $424,578.24 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 13, 2009.

BAC Home Loans Servicing L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-803 91369962 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1986953 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 22, 2005 MORTGAGORS: Michael R. Erickson and Heidi J. Erickson, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded May 3, 2005, Dakota County Recorder, Document No. 2318703.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: September 28, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100061905111000026 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Summit Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 5253 180th Street, Farmington, MN 55024 TAX PARCEL I.D.#: 14-19500-030-09 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 9, Dakota County Estates. Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $178,400.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $176,275.29 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 22, 2009 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on June 22, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 22, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2505 550136189 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1965571 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 25, 2007 MORTGAGORS: Kannan Solayappan and Vallikannu K. Solayappan, husband and wife.

MORTGAGEE: J P M o r g a n C h a s e Bank, N.A. DATE AND PLACE OF RECORDING: Recorded June 13, 2007, Dakota County Recorder, Document No. 2523767.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: October 20, 2009.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: JPMorgan Chase Bank, N.A. RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 1488 Deerwood Bend, Eagan, MN 55122 TAX PARCEL I.D.#: 10-84900-300-01 LEGAL DESCRIPTION OF PROPERTY: Lot 30, Block 1, Woodstone Townhomes, Common Interest Community No. 333, Dakota County, Minne-

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��� �������� ��� ���� ������ ������ ������� Sheriff of said county as follows: DATE AND TIME OF SALE: January ���������� ���� ��������� nity No. 333, Dakota County, Minne sota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $388,900.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $394,026.28 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 28, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7198 1064171968 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966191 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 1 5 , 2008 MORTGAGORS: Kurt D. Peton and Lauren L. Lightner-Peton, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded August 20, 2008, Dakota County Recorder, Document No. 2609129.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: October 20, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100026900141072669 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Bell America Mortgage LLC DBA Bell Mortgage RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 716 Caribou Lane, Eagan, MN 55123 TAX PARCEL I.D.#: 10-25801-100-05 LEGAL DESCRIPTION OF PROPERTY: Lot 10, Block 5, Fawn Ridge 2nd Addition. Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $266,050.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $281,575.76 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows:

12, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 12, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 29, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2598 2005656193 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1966787 11/5-12/10/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: May 13, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $207,000.00 MORTGAGOR(S): Darin R. Pederson and Laina D. Pederson, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: June 21, 2004 Dakota County Recorder, Document Number: 2217657 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100103210000062371 Lender or Broker: Prime Mortgage Corporation Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 643 14th Ave N, South Saint Paul, MN 55075-1631 Tax Parcel ID Number: 36-70207-050-01 LEGAL DESCRIPTION OF PROPERTY: Lot 5 and the South 1/2 of Lot 4, Block 1, South Park Division No. 8, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $220,367.68 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REP-

THE MORTGAGOR S PERSONAL REP RESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 12, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009851F01 1969210 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 8, 2007 MORTGAGORS: Fredrick Palkar and Mary Palkar, husband and wife.

MORTGAGEE: J P M o r g a n C h a s e Bank, N.A. as successor in interest to Washington Mutual Bank, FA. DATE AND PLACE OF RECORDING: Recorded November 26, 2007, Dakota County Recorder, Document No. 2557627.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Washington Mutual Bank, FA RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 14433 Atwater Way, Rosemount, MN 55068 TAX PARCEL I.D.#: 34-14704-170-01 LEGAL DESCRIPTION OF PROPERTY: Lot 17, Block 1, Bloomfield 5th Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $335,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $356,731.82 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 20, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 20, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 4, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-1560 3014894426 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974810 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 2 6 , 2006 MORTGAGOR: Robert I. Black, Jr., a married person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded October 31, 2006, Dakota County Recorder, Document No. 2472552.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: October 16, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100021268000674768 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Bankers Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 832 Bailey Street, Hastings, MN 55033 TAX PARCEL I.D.#: 19-13200-060-03 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 3, Henry G. Bailly's Addition to the Town of Hastings, according to the recorded plat thereof, and situate in Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $195,816.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $213,968.34 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 3, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-460 6800067476 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974743 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 23, 2005 MORTGAGORS: J a m e s P . C a r l s o n and Lorraine Carlson, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded December 12, 2005, Dakota County Recorder, Document No.

County Recorder, Document No. 2387984.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: October 16, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100021278925444478 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: U.S. Bank, N.A. RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 2232 Liberty Lane, Eagan, MN 55122 TAX PARCEL I.D.#: 10-22427-250-02 LEGAL DESCRIPTION OF PROPERTY: Lot 25, Block 2, Eagan Heights Townhomes 3rd Addition, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $219,518.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $235,957.46 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 3, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-467 7892544447 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974786 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 27, 2003 MORTGAGOR: Charles Macdonald, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded July 10, 2003, Dakota County Recorder, Document No. 2076266.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: November 3, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100162500054077103 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Mortgages Unlimited, Inc. RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 1382-1384 East Balsam Street, Eagan, MN 55123 TAX PARCEL I.D.#: 10-84354-060-01 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 1, Wilderness Run Fifth Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $281,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $269,181.55 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 19, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 19, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 4, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-6481 1998801994 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1975175 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: March 25, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $416,500.00 M O R T G A G O R ( S ) : D a v i d J . W h e tstone and Nancy R. Whetstone, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: April 05, 2005 Dakota County Recorder, Document Number: 2310329 ASSIGNMENTS OF MORTGAGE: And assigned to: Bank of New York as Trustee for the Certificateholders CWABS, Inc. Asset-backed Certificates, Series 2005-4, Dated: May 04, 2008, Recorded: May 20, 2008 Dakota County Recorder, Document Number: 2591495 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1000269-0300077537-2 Lender or Broker: Bell America Mortgage, LLC dba Bell Mortgage Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 16624 Jackdaw Path, Lakeville, MN 55044-4637 Tax Parcel ID Number: 22.30950.070.04 LEGAL DESCRIPTION OF PROPERTY: Lot 7, Block 4, Greenwood Estates, According to the recorded plat thereof, in Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $509,378.69 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 05, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mort-

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to pay the debt secured by said mort gage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 05, 2010, or the next business day if July 05, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 12, 2009 ASSIGNEE OF MORTGAGEE: Bank of New York as Trustee for the Certificateholders CWABS, Inc. Asset-backed Certificates, Series 2005-4 Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008375F01 1974485 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: December 15, 1989 MORTGAGORS: J o h n D . E r b a n d Jean M. Kenny, both single.

MORTGAGEE: I n v e s t o r s S a v i n g s Bank, F.S.B..

DATE AND PLACE OF RECORDING: Recorded January 9, 1990, Dakota County Recorder, Document No. 920500.

ASSIGNMENTS OF MORTGAGE: Assigned to: Fleet Mortgage Corp., Dated: January 3, 1990, Recorded: March 5, 1990, Document No. 928300.

And thereafter assigned to: Mortgage Electronic Registration Systems, Inc., Dated: April 26, 1999, Recorded: November 13, 2000, Document No. 1731166. And thereafter assigned to: BAC Home Loans Servicing L.P. f/k/a Countrywide Home Loans Servicing L.P., Dated: October 7, 2009.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Investors Savings Bank, F.S.B. RESIDENTIAL MORTGAGE SERVICER: BAC Home Loans Servicing L.P. MORTGAGED PROPERTY ADDRESS: 231 East Ash Street, South Saint Paul, MN 55078 TAX PARCEL I.D. #: 364750012003 LEGAL DESCRIPTION OF PROPERTY: Lot 11 except the West 20 feet thereof, and Lot 12 except the East 10 feet thereof, Block 3, Mathew's Addition to South St. Paul, together with that part of the vacated alley adjacent thereto which accrued thereto be reason of the vacation thereof.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $66,016.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $47,308.50 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees

ments, including attorneys fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None Dated: November 4, 2009.

BAC Home Loans Servicing L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-771 9846546 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1973969 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 1 5 , 2007 MORTGAGOR: T h e r e s a J . M c C o r mick, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded April 11, 2007, Dakota County Recorder, Document No. 2508986.

ASSIGNMENTS OF MORTGAGE: Assigned to: JPMorgan Chase Bank, National Association, Dated: April 3, 2009, Recorded: April 28, 2009, Document No. 2652865.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100039222142515843 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Magnus Financial Corporation RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 109 14th Avenue South, South Saint Paul, MN 55075 TAX PARCEL I.D.#: 36-83900-290-01 LEGAL DESCRIPTION OF PROPERTY: Lot 29, Block 1, Wharton and Miller's Addition to South St. Paul COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $145,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $163,606.56 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 19, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 19, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 9, 2009.

JPMorgan Chase Bank, N.A.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2073 5304406332 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1975285 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: January 12, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $136,083.00 MORTGAGOR(S): Eric J Freeberg and Andrea R. Freeberg, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: January 23, 2007 Dakota County Recorder, Document Number: 2490738 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, L.P., Dated: November 06, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100315900000037787 Lender or Broker: River City Mortgage & Financial, LLC Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 14745 Endicott Way, Apple Valley, MN 55124-6340 Tax Parcel ID Number: 01-81456-340-01 LEGAL DESCRIPTION OF PROPERTY: Lot 34, Block 1, Valley Way Village 7th Addition, according to the recorded plat thereof AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $142,096.15 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 12, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010044F01 1974529 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J a n u a r y 2 2 , 2007 MORTGAGORS: Linda S. Swanson, a single person and Nicole Beuthien and Martin Beuthien, wife and husband.

Martin Beuthien, wife and husband.

MORTGAGEE: Tradition Mortgage.

DATE AND PLACE OF RECORDING: Recorded February 13, 2007, Dakota County Recorder, Document No. 2496330.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: January 22, 2007, Recorded: March 20, 2007, Document No. 2503897.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Tradition Mortgage RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 13230 Galena Way, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-73125-060-01 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 1, Summerfield Townhomes, CIC No. 317.

Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $260,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $271,858.98 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 2, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2659 2004075332 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974642 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: March 30, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $156,800.00 MORTGAGOR(S): Nancy E. Ogrezovich, a married person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: April 05, 2006 Dakota County Recorder, Document Number: 2418089 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100052624198413173 Lender or Broker: Fieldstone Mortgage Company Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 18228 Kerrville Trl # 101, Lakeville, MN 55044-7295 Tax Parcel ID Number: 22-58500-101-20 LEGAL DESCRIPTION OF PROPERTY: Unit No. 101, Prairie Lake Lodges, CIC No. 372, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $170,117.17

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�������� $170,117.17 ������ ������ ������� obligation: NONE ��� ���� THAT all pre-foreclosure requireTHIS COMMUNICATION IS FROM ments have been complied with; that A DEBT COLLECTOR ATTEMPTno action or proceeding has been insti- ING TO COLLECT A DEBT. ANY tuted at law or otherwise to recover the INFORMATION OBTAINED WILL BE debt secured by said mortgage, or any USED FOR THAT PURPOSE. part thereof; THE RIGHT TO VERIFICATION OF PURSUANT to the power of sale con- THE DEBT AND IDENTITY OF THE t a i n e d i n s a i d m o r t g a g e , t h e ORIGINAL CREDITOR WITHIN THE above-described property will be sold T I M E P R O V I D E D B Y L A W I S N O T by the Sheriff of said county as fol- AFFECTED BY THIS ACTION. lows: THE TIME ALLOWED BY LAW FOR DATE AND TIME OF SALE: Decem- REDEMPTION BY THE MORTGAGOR, ber 30, 2009 at 10:00 AM THE MORTGAGOR'S PERSONAL REPPLACE OF SALE: Dakota County RESENTATIVES OR ASSIGNS, MAY BE Law Enforcement Center, 1580 High- REDUCED TO FIVE WEEKS IF A JUDIway 55, Lobby S-100, Hastings, Minne- CIAL ORDER IS ENTERED UNDER sota MINNESOTA STATUTES, SECTION to pay the debt secured by said mort- 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G gage and taxes, if any, on said pre- OTHER THINGS, THAT THE MORTmises and the costs and disburse- GAGED PREMISES ARE IMPROVED ments, including attorney fees allowed WITH A RESIDENTIAL DWELLING OF by law, subject to redemption within LESS THAN FIVE UNITS, ARE NOT six (6) months from the date of said PROPERTY USED IN AGRICULTURAL sale by the mortgagor(s), their per- PRODUCTION, AND ARE ABANDONED. DATED: November 12, 2009 sonal representatives or assigns.

MORTGAGEE: Mortgage ElecIf the Mortgage is not reinstated tronic Registration Systems, Inc. under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. Wilford & Geske, P.A. §580.23, the Mortgagor must vacate Attorneys for Mortgagee the property on or before 11:59 p.m. on Lawrence A. Wilford June 30, 2010, or the next business James A. Geske day if June 30, 2010 falls on a Satur- 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 day, Sunday or legal holiday.

Mortgagor(s) released from financial (651) 209-3300 File Number: 009797F01 obligation: NONE 11/12-12/17/09 THIS COMMUNICATION IS FROM 1974464 A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE NOTICE OF MORTGAGE USED FOR THAT PURPOSE. FORECLOSURE SALE THE RIGHT TO VERIFICATION OF NOTICE IS HEREBY GIVEN that THE DEBT AND IDENTITY OF THE default has occurred in the conditions ORIGINAL CREDITOR WITHIN THE of the following described mortgage: TIME PROVIDED BY LAW IS NOT DATE OF MORTGAGE: March 28, AFFECTED BY THIS ACTION. 2007 THE TIME ALLOWED BY LAW FOR ORIGINAL PRINCIPAL AMOUNT OF REDEMPTION BY THE MORTGAGOR, MORTGAGE: $214,200.00 THE MORTGAGOR'S PERSONAL REPMORTGAGOR(S): Carol L. MarkRESENTATIVES OR ASSIGNS, MAY BE wardt and Danny R. Markwardt, wife REDUCED TO FIVE WEEKS IF A JUDIand husband CIAL ORDER IS ENTERED UNDER MORTGAGEE: Mortgage Electronic MINNESOTA STATUTES, SECTION Registration Systems, Inc. 582.032, DETERMINING, AMONG DATE AND PLACE OF RECORDING: OTHER THINGS, THAT THE MORTRecorded: April 20, 2007 Dakota GAGED PREMISES ARE IMPROVED County Recorder, Document Number: WITH A RESIDENTIAL DWELLING OF 2511267 LESS THAN FIVE UNITS, ARE NOT Transaction Agent: Mortgage ElecPROPERTY USED IN AGRICULTURAL tronic Registration Systems, Inc. PRODUCTION, AND ARE ABANDONED. Transaction Agent Mortgage IdentifiDATED: November 12, 2009 cation Number: 100062604734200084 MORTGAGEE: Mortgage ElecLender or Broker: Homecomings tronic Registration Systems, Inc. Financial, LLC f/k/a Homecomings Wilford & Geske, P.A. Financial Network, Inc. Attorneys for Mortgagee Residential Mortgage Servicer: GMAC Lawrence A. Wilford Mortgage, LLC James A. Geske Mortgage Originator: Not Applicable 8425 Seasons Parkway, Suite 105 COUNTY IN WHICH PROPERTY IS Woodbury, MN 55125-4393 LOCATED: Dakota (651) 209-3300 Property Address: 3201 Skyview Dr, File Number: 010023F01 Burnsville, MN 55337-1858 1968968 11/12-12/17/09 Tax Parcel ID Number: 02-73252-070-01 LEGAL DESCRIPTION OF PROPERTY: Lot 7, Block 1, Sunset TerNOTICE OF MORTGAGE race Third Addition, Dakota County, FORECLOSURE SALE Minnesota.

NOTICE IS HEREBY GIVEN that AMOUNT DUE AND CLAIMED TO BE default has occurred in the conditions DUE AS OF DATE OF NOTICE: of the following described mortgage: DATE OF MORTGAGE: August 30, $233,627.03 THAT all pre-foreclosure require2006 ORIGINAL PRINCIPAL AMOUNT OF ments have been complied with; that no action or proceeding has been instiMORTGAGE: $208,000.00 MORTGAGOR(S): Joseph P. Restifo, a tuted at law or otherwise to recover the debt secured by said mortgage, or any married man MORTGAGEE: Mortgage Electronic part thereof; PURSUANT to the power of sale conRegistration Systems, Inc. DATE AND PLACE OF RECORDING: t a i n e d i n s a i d m o r t g a g e , t h e Recorded: October 10, 2006 Dakota above-described property will be sold County Recorder, Document Number: by the Sheriff of said county as follows: 2467155 DATE AND TIME OF SALE: DecemTransaction Agent: Mortgage Elecber 28, 2009 at 10:00 AM tronic Registration Systems, Inc. PLACE OF SALE: Dakota County Transaction Agent Mortgage IdentifiLaw Enforcement Center, 1580 Highcation Number: 100177050500024005 Lender or Broker: Cornerstone Mort- way 55, Lobby S-100, Hastings, Minnesota gage Company Residential Mortgage Servicer: GMAC to pay the debt secured by said mortgage and taxes, if any, on said preMortgage, LLC mises and the costs and disburseMortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS ments, including attorney fees allowed by law, subject to redemption within LOCATED: Dakota Property Address: 13385 Fordham six (6) months from the date of said Ave, Apple Valley, MN 55124-7948 sale by the mortgagor(s), their perT a x P a r c e l I D N u m b e r : sonal representatives or assigns.

If the Mortgage is not reinstated 01-31001-170-10 L E G A L D E S C R I P T I O N O F P R O P - under Minn. Stat. §580.30 or the propERTY: Lot 17, Block 10, Greenleaf erty is not redeemed under Minn. Stat.

Second Addition, Dakota County, §580.23, the Mortgagor must vacate Minnesota. the property on or before 11:59 p.m. on AMOUNT DUE AND CLAIMED TO BE June 28, 2010, or the next business D U E A S O F D A T E O F N O T I C E : day if June 28, 2010 falls on a Satur$229,089.54 day, Sunday or legal holiday.

THAT all pre-foreclosure requireMortgagor(s) released from financial ments have been complied with; that obligation: NONE no action or proceeding has been instiTHIS COMMUNICATION IS FROM tuted at law or otherwise to recover the A DEBT COLLECTOR ATTEMPTdebt secured by said mortgage, or any ING TO COLLECT A DEBT. ANY part thereof; INFORMATION OBTAINED WILL BE PURSUANT to the power of sale con- USED FOR THAT PURPOSE. tained in said mortgage, the THE RIGHT TO VERIFICATION OF above-described property will be sold THE DEBT AND IDENTITY OF THE by the Sheriff of said county as fol- ORIGINAL CREDITOR WITHIN THE lows: TIME PROVIDED BY LAW IS NOT DATE AND TIME OF SALE: January AFFECTED BY THIS ACTION. 05, 2010 at 10:00 AM THE TIME ALLOWED BY LAW FOR PLACE OF SALE: Dakota County REDEMPTION BY THE MORTGAGOR, Law Enforcement Center, 1580 High- THE MORTGAGOR'S PERSONAL REPway 55, Lobby S-100, Hastings, Minne- RESENTATIVES OR ASSIGNS, MAY BE sota REDUCED TO FIVE WEEKS IF A JUDIto pay the debt secured by said mort- CIAL ORDER IS ENTERED UNDER gage and taxes, if any, on said pre- MINNESOTA STATUTES, SECTION mises and the costs and disburse- 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G ments, including attorney fees allowed OTHER THINGS, THAT THE MORTby law, subject to redemption within GAGED PREMISES ARE IMPROVED six (6) months from the date of said WITH A RESIDENTIAL DWELLING OF sale by the mortgagor(s), their per- LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL sonal representatives or assigns.

If the Mortgage is not reinstated PRODUCTION, AND ARE ABANDONED. DATED: November 12, 2009 under Minn. Stat. §580.30 or the propMORTGAGEE: Mortgage Elecerty is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 05, 2010, or the next business day if July 05, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial ���������� �� ���� ����� obligation: NONE

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� ��� ���� ������ ������$126,900.00 ������� MORTGAGE: MORTGAGOR(S): Joseph M. Cortelli, ���������� ���� ��������� MORTGAGEE: M o r t g a g e E l e c tronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006151F02 1969146 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: O c t o b e r 2 2 , 2004 MORTGAGORS: Carlos D. Rocha and Fabiola V. Rocha, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded November 23, 2004, Dakota County Recorder, Document No. 2270180.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: October 29, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100060677002380376 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Greenacres Mortgage RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 14130 Crocus Way, Rosemount, MN 55068 TAX PARCEL I.D.#: 34-67429-140-02 LEGAL DESCRIPTION OF PROPERTY: Lot 14, Block 2, Shannon Hills 5th Addition.

Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $186,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $117,205.84 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 5, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2679 2002350009 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974666 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 06, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $126,900.00

a single man MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 26, 2006 Dakota County Recorder, Document Number: 2471036 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, LP, Dated: September 21, 2009, Recorded: September 23, 2009 Dakota County Recorder, Document Number: 2686029 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1003215-0001160195-1 Lender or Broker: Timberland Mortgage Services, Inc. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4488 Cinnamon Ridge Trl Unit 52, Eagan, MN 55122-2385 Tax Parcel ID Number: 101740019200 LEGAL DESCRIPTION OF PROPERTY: Building G, Unit 52, Cinnamon Ridge, Carriage Homes, a Condominium, Condominium Ownership No. 41 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $129,412.38 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 04, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 04, 2010, or the next business day if July 04, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 05, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, LP Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 008645F01 1969260 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE:April 25, 2008 MORTGAGORS:T a m a r a J . W i n d s chitl and Chad A. Windschitl, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded May 19, 2008, Dakota County Recorder, Document No. 2590979.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: October 20, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100073000823549035 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Freedom Mortgage Coporation RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 7678 172nd Street West, Lakeville, MN 55044

55044 TAX PARCEL I.D.#: 22-67504-060-03 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 3, Shady Oak Shores 5th Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $258,838.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $262,757.67 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 3, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7320 1962557869 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1975160 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF AND IDENTITY OF THE DEBT THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 1, 2007 MORTGAGORS: Justin L. Schreader and Jolene Schreader, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded February 14, 2008, Dakota County Recorder, Document No. 2572207.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: October 27, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100011520048289427 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: CitiMortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 16099 Flagstaff Avenue, Lakeville, MN 55044 TAX PARCEL I.D.#: 22-73400-160-01 LEGAL DESCRIPTION OF PROPERTY: Lot 16, Block 1, Sunrise Village, CIC No. 586.

Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $278,100.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $296,063.16 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale con-

PURSUANT to the power of sale con tained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 30, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2635 2004828942 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974631 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 24, 2006 MORTGAGORS: Sarah Ackerman and Michael A. Ackerman, wife and husband.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded May 25, 2006, Dakota County Recorder, Document No. 2432539.

ASSIGNMENTS OF MORTGAGE: Assigned to: The Bank of New York Mellon, as Successor Trustee under NovaStar Mortgage Funding Trust, Series 2006-2, Dated: August 10, 2009, Recorded: August 19, 2009, Document No. 2679275.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100080190056228430 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: NovaStar Mortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: Saxon Mortgage Services, Inc. MORTGAGED PROPERTY ADDRESS: 4530 Cinnamon Ridge Trail, Eagan, MN 55122 TAX PARCEL I.D.#: 10-17400-122-01 LEGAL DESCRIPTION OF PROPERTY: That part of Lot 12, Block 1, Cinnamon Ridge, City of Eagan, Dakota County, Minnesota lying Southwesterly of a line drawn from a point on the Southeasterly line of said Lot 12, Distant 58.80 feet southwesterly of the most Easterly corner thereof, to a point on the Northwesterly line of said Lot 12, 58.80 feet Southwesterly of the most Northerly corner thereof, and reserving drainage and utility easements as shown on the recorded plat thereof.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $137,600.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $147,022.50 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said

Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on January 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 30, 2009.

The Bank of New York Mellon, as Successor Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 84-561 2000370520 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974711 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 13, 2007 MORTGAGORS: Pernella F. Bull and Charles R. Bull, wife and husband.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded May 1, 2007, Dakota County Recorder, Document No. 2513350.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., as successor trustee to Bank of America, N.A., as successor by merger to LaSalle Bank National Association, as Trustee for Merrill Lynch First Franklin Mortgage Loan Trust, Mortgage Loan Asset-Backed Certificates, Series 2007-3, Dated: December 1, 2007, Recorded: February 20, 2008, Document No. 2572978.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100425240013822678 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Franklin Financial Corp.

RESIDENTIAL MORTGAGE SERVICER: Home Loan Services, Inc. MORTGAGED PROPERTY ADDRESS: 353 4th Avenue South, South Saint Paul, MN 55075 TAX PARCEL I.D.#: 36-64300-140-12 LEGAL DESCRIPTION OF PROPERTY: Lot 14, Block 12, Riverside Park Addition to the City of St. Paul, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $177,650.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $206,534.45 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

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

tion 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 9, 2009.

U.S. Bank National Association, Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 76-1886 1044875761 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1975122 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 1 9 , 2004 MORTGAGOR: F r i e d a A . S m i t h , a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded April 26, 2004, Dakota County Recorder, Document No. 2198098.

ASSIGNMENTS OF MORTGAGE: Assigned to: The Bank of New York Mellon, as Successor Trustee under NovaStar Mortgage Funding Trust, Series 2004-2, Dated: October 19, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100080190023595069 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: NovaStar Mortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: Saxon Mortgage Services, Inc. MORTGAGED PROPERTY ADDRESS: 1855 Silver Bell Road #314, Eagan, MN 55122 TAX PARCEL I.D.#: 10-22451-165-01 LEGAL DESCRIPTION OF PROPERTY: Unit 314-2A, Garage Unit No. 16, Shannon Glen Condominium, I, Condominium file No. 32, Located on Lot 1, Block 1, Eagan Metro Center 2nd Addition of Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $80,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $78,863.61 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 12, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 12, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORT-

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OTHER THINGS, THAT THE MORT GAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 30, 2009.

The Bank of New York Mellon, as Successor Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 84-584 2000334028 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974730 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 26, 1993 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $75,293.00 MORTGAGOR(S): Barbara A Pickar, a single woman MORTGAGEE: Directors Mortgage Loan Corporation DATE AND PLACE OF RECORDING: Recorded: October 06, 1993 Dakota County Recorder, Document Number: 1156906 ASSIGNMENTS OF MORTGAGE: And assigned to: Norwest Mortgage, Inc. Dated: August 02, 1996 Recorded: November 25, 1996 Dakota County Recorder, Document Number: 1390160 And assigned to: BAC Home Loans Servicing, L.P., Dated: November 12, 2009 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Directors Mortgage Loan Corporation Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 135 14th Ave S, South Saint Paul, MN 55075-2125 Tax Parcel ID Number: 36-83900-220-01 LEGAL DESCRIPTION OF PROPERTY: Lot 22, Block 1, Wharton and Miller's Addition to the City of South St. Paul, according to the recorded plat thereof on file and of record in the Office of the County Recorder, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $57,949.30 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 05, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 05, 2010, or the next business day if July 05, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009702F01 1982933 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 04, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $240,300.00 MORTGAGOR(S): Varouna Chanthalakeo and Phousy T. Chanthalakeo, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 19, 2005 Dakota County Recorder, Document Number: 2372197 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, LP, Dated: November 16, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700056764067 Lender or Broker: Countrywide Home Loans, Inc Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 876 Sudberry Ln, Eagan, MN 55123-1938 Tax Parcel ID Number: 106760016002 LEGAL DESCRIPTION OF PROPERTY: Lot 16, Block 2, Sheffield AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $246,606.70 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, LP Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010172F01 1986434 11/26-12/31/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: December 21, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $121,600.00 MORTGAGOR(S): Carlos D. Rocha, married MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: March 16, 2006 Dakota County Recorder, Document Number: 2412855 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100031432005120338 Lender or Broker: First Guaranty Mortgage Corporation Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1268 Timbershore Ln, Eagan, MN 55123-1019 Tax Parcel ID Number:

Tax Parcel ID Number: 10-76502-010-08 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 8, Timbershore Third Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $122,945.79 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 12, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009916F01 1974218 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 21, 2007 MORTGAGORS: S o u l i D a o h e u a n g and Malalack Daoheuang, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded June 4, 2007, Dakota County Recorder, Document No. 2521549.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, National Association, as successor trustee to Bank of America, N. A. as successor by merger to LaSalle Bank N. A., as Trustee for Merrill Lynch First Franklin Mortgage Loan Trust, Mortgage Loan Asset-Backed Certificates, Series 2007-4, Dated: October 13, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100425240014394289 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Franklin Financial Corporation RESIDENTIAL MORTGAGE SERVICER: Home Loan Services, Inc. MORTGAGED PROPERTY ADDRESS: 1496 Auburn Court, Eagan, MN 55122 TAX PARCEL I.D.#: 10-75950-030-01 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 1, Thomas Lake Heights, according to the plat thereof now on file and of record within and for Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $264,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $274,146.36 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale con-

PURSUANT to the power of sale con tained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 7, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 7, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: October 30, 2009.

U.S. Bank National Association, Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 76-3497 1044886480 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1975112 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 05, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $137,500.00 MORTGAGOR(S): Kathryn R. Shufelt, unmarried woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: October 23, 2007 Dakota County Recorder, Document Number: 2552079 ASSIGNMENTS OF MORTGAGE: And assigned to: AmTrust Bank, Dated: October 26, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100162500049196067 Lender or Broker: AmTrust Bank Residential Mortgage Servicer: AmTrust Bank Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 15478 Pennock Ln, Apple Valley, MN 55124-7165 Tax Parcel ID Number: 01-77000-040-14 LEGAL DESCRIPTION OF PROPERTY: Lot Four (4), Block Fourteen (14), Townhouse Fourth Addition, according to the duly recorded plat thereof, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $142,981.25 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF

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������ ������ ������� �������� ��� ���� THE RIGHT TO VERIFICATION OF By: Paul A. Weingarden THE DEBT AND IDENTITY OF THE Attorneys for Mortgagee/Assignee of ORIGINAL CREDITOR WITHIN THE Mortgagee T I M E P R O V I D E D B Y L A W I S N O T 4500 Park Glen Road #300 Minneapolis, MN 55416 AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR (952) 925-6888 REDEMPTION BY THE MORTGAGOR, 60-2587 THE MORTGAGOR'S PERSONAL REP- 3014242170 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 1974848 11/12-12/17/09 MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTNOTICE OF MORTGAGE GAGED PREMISES ARE IMPROVED FORECLOSURE SALE WITH A RESIDENTIAL DWELLING OF THE RIGHT TO VERIFICATION OF LESS THAN FIVE UNITS, ARE NOT THE DEBT AND IDENTITY OF THE PROPERTY USED IN AGRICULTURAL ORIGINAL CREDITOR WITHIN THE PRODUCTION, AND ARE ABANDONED. TIME PROVIDED BY LAW IS NOT DATED: November 12, 2009 ASSIGNEE OF MORTGAGEE: AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that AmTrust Bank default has occurred in conditions of Wilford & Geske, P.A. the following described mortgage: Attorneys for Assignee of Mortgagee DATE OF MORTGAGE: M a r c h 1 4 , Lawrence A. Wilford 2007 James A. Geske MORTGAGORS: Thomas Q. Seaberg 8425 Seasons Parkway, Suite 105 and Jamie L. Seaberg, husband and Woodbury, MN 55125-4393 wife.

(651) 209-3300 MORTGAGEE: C H A S E B A N K U S A , File Number: 009810F01 N.A. 1973329 11/12-12/17/09 DATE AND PLACE OF RECORDING: Recorded March 22, 2007, Dakota County Recorder, Document No. 2504636.

NOTICE OF MORTGAGE ASSIGNMENTS OF MORTGAGE: FORECLOSURE SALE THE RIGHT TO VERIFICATION OF Assigned to: Chase Home Finance THE DEBT AND IDENTITY OF THE LLC, Dated: June 10, 2009, Recorded: ORIGINAL CREDITOR WITHIN THE J u n e 2 4 , 2 0 0 9 , D o c u m e n t N o .

T I M E P R O V I D E D B Y L A W I S N O T 2666349.

TRANSACTION AGENT: NONE AFFECTED BY THIS ACTION. TRANSACTION AGENT'S MORTNOTICE IS HEREBY GIVEN, that default has occurred in conditions of GAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE the following described mortgage: LENDER OR BROKER AND MORTDATE OF MORTGAGE: A u g u s t 2 3 , GAGE ORIGINATOR STATED ON 2007 MORTGAGORS: M a r y K a b i i MORTGAGE: CHASE BANK USA, N.A. RESIDENTIAL MORTGAGE SERWangongu and Stephen Mwaura, wife VICER: Chase Home Finance, LLC and husband.

MORTGAGED PROPERTY ADDRESS: MORTGAGEE: J P M o r g a n C h a s e Bank, National Association as succes- 1156 9th Avenue South, South Saint Paul, MN 55075 sor in interest to Washington Mutual TAX PARCEL I.D.#: 36-32350-110-02 Bank, FA. LEGAL DESCRIPTION OF PROPDATE AND PLACE OF RECORDING: ERTY: Recorded September 7, 2007, Dakota Lot 11 and the South 12 feet of Lot County Recorder, Document No. 10, Block 2, Together with 1/2 of the 2542657. vacated adjacent alley which accrued ASSIGNMENTS OF MORTGAGE: there to by reason of vacation NONE thereof, Helena Addition. Dakota TRANSACTION AGENT: NONE County TRANSACTION AGENT'S MORTCOUNTY IN WHICH PROPERTY IS GAGE IDENTIFICATION NUMBER ON LOCATED: Dakota MORTGAGE: NONE ORIGINAL PRINCIPAL AMOUNT OF LENDER OR BROKER AND MORTG A G E O R I G I N A T O R S T A T E D O N MORTGAGE: $206,465.00 AMOUNT DUE AND CLAIMED TO BE MORTGAGE: Washington Mutual DUE AS OF DATE OF NOTICE, INCLUDBank, FA R E S I D E N T I A L M O R T G A G E S E R - ING TAXES, IF ANY, PAID BY MORTV I C E R : J P M o r g a n C h a s e B a n k , GAGEE: $236,606.96 That prior to the commencement of National Association MORTGAGED PROPERTY ADDRESS: this mortgage foreclosure proceeding 13921 Autumn Court, Rosemount, MN Mortgagee/Assignee of Mortgagee complied with all notice requirements as 55068 TAX PARCEL I.D.#: 34-48301-040-01 required by statute; That no action or LEGAL DESCRIPTION OF PROP- proceeding has been instituted at law or otherwise to recover the debt ERTY: Lot 4, Block 1, Meadows of Bloom- secured by said mortgage, or any part thereof; field 2nd Addition PURSUANT to the power of sale conCOUNTY IN WHICH PROPERTY IS tained in said mortgage, the above LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF described property will be sold by the Sheriff of said county as follows: MORTGAGE: $376,000.00 DATE AND TIME OF SALE: January AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUD- 28, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , ING TAXES, IF ANY, PAID BY MORTLaw Enforcement Center, 1580 Hwy GAGEE: $400,810.40 That prior to the commencement of 55, Lobby #S-100, Hastings, MN this mortgage foreclosure proceeding to pay the debt then secured by said Mortgagee/Assignee of Mortgagee com- Mortgage, and taxes, if any, on said plied with all notice requirements as premises, and the costs and disburserequired by statute; That no action or 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 proceeding has been instituted at law allowed by law subject to redemption o r o t h e r w i s e t o r e c o v e r t h e d e b t within six (6) months from the date of secured by said mortgage, or any part said sale by the mortgagor(s), their personal representatives or assigns thereof; PURSUANT to the power of sale con- unless reduced to Five (5) weeks under tained in said mortgage, the above MN Stat. §580.07.

TIME AND DATE TO VACATE PROPdescribed property will be sold by the ERTY: If the real estate is an Sheriff of said county as follows: DATE AND TIME OF SALE: January owner-occupied, single-family dwelling, unless otherwise provided by law, 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , the date on or before which the mortLaw Enforcement Center, 1580 Hwy gagor(s) must vacate the property if the mortgage is not reinstated under sec55, Lobby #S-100, Hastings, MN to pay the debt then secured by said tion 580.30 or the property is not Mortgage, and taxes, if any, on said redeemed under section 580.23 is premises, and the costs and disburse- 11:59 p.m. on July 28, 2010.

MORTGAGOR(S) RELEASED FROM ments, including attorneys' fees allowed by law subject to redemption FINANCIAL OBLIGATION ON MORTwithin six (6) months from the date of GAGE: None "THE TIME ALLOWED BY LAW FOR said sale by the mortgagor(s), their personal representatives or assigns REDEMPTION BY THE MORTGAGOR, unless reduced to Five (5) weeks under THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE MN Stat. §580.07.

TIME AND DATE TO VACATE PROP- REDUCED TO FIVE WEEKS IF A JUDIE R T Y : I f t h e r e a l e s t a t e i s a n CIAL ORDER IS ENTERED UNDER owner-occupied, single-family dwell- MINNESOTA STATUTES, SECTION ing, unless otherwise provided by law, 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G the date on or before which the mort- OTHER THINGS, THAT THE MORTgagor(s) must vacate the property if the GAGED PREMISES ARE IMPROVED mortgage is not reinstated under sec- WITH A RESIDENTIAL DWELLING OF tion 580.30 or the property is not LESS THAN FIVE UNITS, ARE NOT redeemed under section 580.23 is PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM ABANDONED." Dated: November 16, 2009.

FINANCIAL OBLIGATION ON MORTChase Home Finance, LLC GAGE: None Mortgagee/Assignee of Mortgagee "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, USSET, WEINGARDEN AND LIEBO, THE MORTGAGOR'S PERSONAL REP- P.L.L.P. RESENTATIVES OR ASSIGNS, MAY BE By: Paul A. Weingarden REDUCED TO FIVE WEEKS IF A JUDI- Attorneys for Mortgagee/Assignee of CIAL ORDER IS ENTERED UNDER Mortgagee MINNESOTA STATUTES, SECTION 4500 Park Glen Road #300 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G Minneapolis, MN 55416 OTHER THINGS, THAT THE MORT- (952) 925-6888 GAGED PREMISES ARE IMPROVED 75-3661 WITH A RESIDENTIAL DWELLING OF 24299901 LESS THAN FIVE UNITS, ARE NOT THIS IS A COMMUNICATION FROM PROPERTY USED IN AGRICULTURAL A DEBT COLLECTOR. 11/19-12/24/09 P R O D U C T I O N , A N D A R E 1982853 ABANDONED." Dated: November 2, 2009.

JPMorgan Chase Bank, N.A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden

PUBLIC NOTICE

PUBLIC NOTICE

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��� �������� ��� ���� ������DATE ������ ������� AND PLACE OF RECORDING: Recorded January 31, 2007, Dakota ���������� ���� ���������

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 2 4 , 2004 MORTGAGOR: Phyllis J. Springfield, unmarried.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded September 3, 2004, Dakota County Recorder, Document No. 2244693.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank National Association, as Trustee for ARMT 2004-1, Dated: October 13, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100058900003392693 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: RBC Mortgage Company RESIDENTIAL MORTGAGE SERVICER: JPMorgan Chase Bank, National Association MORTGAGED PROPERTY ADDRESS: 5442 Upper 182nd Street, Farmington, MN 55024 TAX PARCEL I.D.#: 14-19500-110-01 LEGAL DESCRIPTION OF PROPERTY: Lot 11, Block 1, Dakota County Estates COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $172,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $176,444.21 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 9, 2009.

U.S. Bank National Association, Trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 60-2521 5302953707 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982758 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J a n u a r y 1 9 , 2007 MORTGAGORS: R o g e r A . B u l l y a n and Lynn M. Bullyan, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING:

County Recorder, Document No. 2492824.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: November 5, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100154070001023378 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: American Residential Mortgage, LP RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 2470 Birch Street, Rosemount, MN 55068 TAX PARCEL I.D.#: 34-14502-010-01 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 1, Biscayne Pointe 3rd Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $293,400.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $312,711.59 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 19, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 19, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 9, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7404 1991232675 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1975220 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: April 18, 2005 MORTGAGORS: Kaiphet Soukvilay and Manivone Syhalath, both single.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded June 8, 2005, Dakota County Recorder, Document No. 2328787.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: October 5, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100226700000058181 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Citizens State Bank RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 13709 Steven Road, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-15401-350-01 LEGAL DESCRIPTION OF PROPERTY: Lot 35, Block 1, Burnsville Heights Second Addition, according to the recorded plat thereof, Dakota

recorded plat thereof, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $203,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $201,245.26 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 3, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-445 6800012540 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974762 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 29, 2001 MORTGAGOR: Jeffrey P. Bistodeau, a single man.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded February 22, 2002, Dakota County Recorder, Document No. 1865728.

ASSIGNMENTS OF MORTGAGE: Assigned to: Provident Funding Associates, L.P., Dated: October 26, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100017935111100349 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Provident Funding Associates, L.P. RESIDENTIAL MORTGAGE SERVICER: Provident Funding Associates, L.P. MORTGAGED PROPERTY ADDRESS: 1100 Vista Drive, Burnsville, MN 55337 TAX PARCEL I.D.#: 02-82200-021-00 LEGAL DESCRIPTION OF PROPERTY: REAL PROPERTY IN DAKOTA COUNTY, MINNESOTA, DESCRIBED AS FOLLOWS: THE VACATED PART OF DUPONT AVE. SO. IN VISTA VIEW 1st ADDITION DESCRIBED AS FOLLOWS; COMMENCING AT THE NORTHEASTERLY CORNER OF LOT 1, BLOCK 3, OF SAID VISTA VIEW 1st ADDITION; THENCE ON A CURVE TO THE RIGHT HAVING A RADIUS OF 60.0 FEET AND A CENTRAL ANGLE OF 240 DEGREES 00 MINUTES A DISTANCE OF 251.33 FEET TO THE NORTHWESTERLY CORNER OF LOT 2, BLOCK 4, OF SAID VISTA VIEW OT ADDITION; THENCE SOUTHWESTERLY ALONG THE NORTHWESTERLY LINE OF SAID LOT 2 A DISTANCE OF 103.92 FEET; THENCE NORTHWESTERLY AT RIGHT ANGLES TO THE AFOREMENTIONED NORTHWESTERLY LINE OF LOT 2 A DISTANCE OF 60.0 FEET TO THE EASTERLY LINE OF LOT 1, BLOCK 3 OF SAID ADDITION; THENCE ON A

OF SAID ADDITION; THENCE ON A CURVE TO THE LEFT HAVING A RADIUS OF 60.0 FEET AND A CENTRAL ANGLE OF 60 DEGREES 00 MINUTES A DISTANCE OF 62.83 FEET TO PLACE OF BEGINNING, ALSO ON THAT PART OF OUTLOT “B” OF SAID VISTA VIEW 1ST ADDITION DESCRIBED AS FOLLOWS: COMMENCING AT THE NORTHEAST CORNER OF SAID OUTLOT “B”; THENCE SOUTHEASTERLY ALONG THE EASTERLY LINE OF SAID OUTLOT A DISTANCE OF 57.77 FEET; THENCE IN A SOUTH AND WESTERLY DIRECTION ALONG THE SOUTH LINE OF SAID OUTLOT ALSO BEING THE NORTHERLY LINE OF SAID VACATED DUPONT AVE. SO., A DISTANCE OF 137.01 FEET TO THE NORTHEASTERLY CORNER OF LOT 1, BLOCK 3 OF SAID VISTA VIEW 1st ADDITION; THENCE IS A NORTHWESTERLY DIRECTION IN A STRAIGHT LINE TO A POINT ON THE NORTHERLY LINE OF SAID OUTLOT “B” DISTANT 120.0 FEET WESTERLY FROM THE NORTHEAST CORNER OF SAID OUTLOT; THENCE NORTHEASTERLY ALONG THE NORTHERLY LINE OF SAID OUTLOT “B” A DISTANCE OF 120.0 FEET TO THE PLACE OF BEGINNING. COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $141,750.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $129,599.39 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 12, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 12, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: October 30, 2009.

Provident Funding Associates, L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-1462 3511110034 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1974883 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 21, 2008 MORTGAGORS: Jeremy J. Johnson and Tinah Jo Johnson, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded May 30, 2008, Dakota County Recorder, Document No. 2593780.

ASSIGNMENTS OF MORTGAGE: Assigned to: BAC Home Loans Servicing L.P. f/k/a Countrywide Home Loans Servicing L.P., Dated: October 5, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100248908040002119 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Rescue Mortgage, Inc. dba Mortgage Depot RESIDENTIAL MORTGAGE SERVICER: BAC Home Loans Servicing

VICER: BAC Home Loans Servicing L.P. MORTGAGED PROPERTY ADDRESS: 1820 Pine Street, Hastings, MN 55033 TAX PARCEL I.D. #: 196330025500 LEGAL DESCRIPTION OF PROPERTY: Lot 255, Replat of Westwood Addition Fourth Section, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $206,369.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $211,559.83 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 2, 2009.

BAC Home Loans Servicing L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-754 184185496 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1973902 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: April 30, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $292,480.00 MORTGAGOR(S): Thomas R. Heine, a single person and Rachel R. Frandrup, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: May 14, 2007 Dakota County Recorder, Document Number: 2516996 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100062604723618155 Lender or Broker: Homecomings Financial, LLC fka Homecomings Financial Network, Inc. Residential Mortgage Servicer: GMAC Mortgage, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 17748 Galery Dr, Lakeville, MN 55044 Tax Parcel ID Number: 22-18601-020-06 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 6, Crossroads 2nd Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $292,967.15 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 05, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mort-

to pay the debt secured by said mort gage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 05, 2010, or the next business day if July 05, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 12, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009799F01 1974443 11/12-12/17/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 1 3 , 2003 MORTGAGORS: C h r i s t o p h e r R i c e and Sabrina Rice, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded September 19, 2003, Dakota County Recorder, Document No. 2112845.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc., Dated: December 6, 2007, Recorded: December 20, 2007, Document No. 2562553.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100026600063482504 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Freeland Financial Services Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 912 36th Street, Hastings, MN 55033 TAX PARCEL I.D.#: 19-17500-030-36 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 36, Century South, according to the recorded plat thereof, and situate in Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $213,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $198,954.14 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 26, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 26, 2010.

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11:59 p.m. on July 26, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 11, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2720 6348250 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982437 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

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

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

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

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

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

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

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: January 19, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $151,200.00 MORTGAGOR(S): Steven G. Morgenstern and Kimberly A. Morgenstern, husband and wife MORTGAGEE: Associated Bank Minnesota, N.A. DATE AND PLACE OF RECORDING: Recorded: February 22, 2004 Dakota County Recorder, Document Number: 2187850 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Associated Bank Minnesota, N.A. Residential Mortgage Servicer: Associated Bank - WI Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 284 Annapolis St E, Saint Paul, MN 55118-1601 Tax Parcel ID Number: 42-47700-160-01 LEGAL DESCRIPTION OF PROPERTY: Lots 15 and 16, Block 1, McClung & McMurran's Addition to St. Paul, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $148,358.78 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 MORTGAGEE: Associated Bank Minnesota, N.A. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009963F01 1979856 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: January 27, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $179,920.00 MORTGAGOR(S): Sonja A. Zangs and Bradley Zangs MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded with the County Recorder in and for the County of Dakota, State of Minnesota, on the 18th day of February, 2005, as Document No. 2297389 ASSIGNMENTS OF MORTGAGE: Assigned to Kondaur Capital Corporation, dated January 12, 2009, recorded May 1, 2009 as Document No. 2654081; further assigned to Second Chance Finance Group, LLC, dated April 8, 2009, recorded May 1, 2009 as Document No. 2654082 LEGAL DESCRIPTION OF PROPERTY: Lot 13, Block 4, East Farmington

Lot 13, Block 4, East Farmington Seventh Addition, Dakota County, Minnesota PROPERTY ADDRESS: 1113 Hickory Street, Farmington, Minnesota 55024.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $201,837.81 THAT there has been compliance with all pre-foreclosure requirements; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; THAT pursuant to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of Dakota County as follows: DATE AND TIME OF SALE: January 5, 2010, at 10:00 a.m.

PLACE OF SALE: Dakota County Sheriff's Office, Law Enforcement Center, 1580 Highway 55, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

The date on or before which the mortgagor must vacate the property if the mortgage is not reinstated under section 580.30 or the property redeemed under section 580.23: July 6, 2010 at 11:59 p.m.

THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. Dated: November 12, 2009 Second Chance Finance Group, LLC Assignee of Mortgagee HOELSCHER LAW FIRM, PLLC By: Brian G. Hoelscher #0238752 Attorneys for Assignee of Mortgagee 13100 Wayzata Boulevard, Suite 100 Minnetonka, MN 55305 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. FORECLOSURE DATA Minn. Stat. Sec. 580.025 (1) the physical street address, city, and zip code of the mortgaged premises is 1113 Hickory Street, Farmington, Minnesota 55024; (2) the name of the transaction agent, residential mortgage servicer, and the lender or broker, as defined in section 58.02, if the person holding the mortgage is a transaction agent as defined in section 58.02, subdivision 30 are as follows: - not applicable; or the name of the residential mortgage servicer and the lender or broker, as defined in section 58.02, if the person holding the mortgage is not a transaction agent as defined in section 58.02, subdivision 30 are as follows: residential mortgage servicer - BSI Financial Services, Inc., lender or broker - original lender America's Wholesale Lender, present holder Second Chance Finance Group, LLC; (3) the tax parcel identification number of the mortgaged premises is: 14-22506-130-04; (4) if stated on the mortgage, the transaction agent's mortgage identific a t i o n n u m b e r i s : 1000157-0004725305-5; (5) if stated on the mortgage, the name of the residential mortgage originator as defined in section 58.02 is: America's Wholesale Lender.

1979392 11/19-12/24/09P

PUBLIC NOTICE NOTICE OF ASSESSMENT LIEN

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

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

4. That all preforeclosure requirements have been met.

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

said amount.

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

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

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

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

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: November 23, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $169,600.00 MORTGAGOR(S): Edward A. Timek and Lisa Timek, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: December 21, 2005 Dakota County Registrar of Titles, Document Number: 581479 ASSIGNMENTS OF MORTGAGE: And assigned to: The Bank of New York Mellon fka the Bank of New York as Trustee for the Certificateholders CWALT, Inc. Alternative Loan Trust 2005-81 Mortgage Pass-through Certificates, Series 2005-81, Dated: October 05, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100133700010855164 Lender or Broker: Countrywide Bank, N.A. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 138438 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 305 Pinewood Dr, Apple Valley, MN 55124-9323 Tax Parcel ID Number: 011170201007 LEGAL DESCRIPTION OF PROPERTY: Lot 1, Block 7, Apple Valley Third Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $193,967.09 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 05, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 05, 2010, or the next business day

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������ ������ �������� ��� ���� UNDER IS ENTERED July 05, 2010, or the next business ������� day CIAL ORDER if July 05, 2010 falls on a Saturday, MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG Sunday or legal holiday.

Mortgagor(s) released from financial OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED obligation: NONE THIS COMMUNICATION IS FROM WITH A RESIDENTIAL DWELLING OF A DEBT COLLECTOR ATTEMPT- LESS THAN FIVE UNITS, ARE NOT ING TO COLLECT A DEBT. ANY PROPERTY USED IN AGRICULTURAL INFORMATION OBTAINED WILL BE P R O D U C T I O N , A N D A R E ABANDONED." USED FOR THAT PURPOSE. Dated: November 6, 2009.

THE RIGHT TO VERIFICATION OF U.S. Bank, N. A. THE DEBT AND IDENTITY OF THE Mortgagee/Assignee of Mortgagee ORIGINAL CREDITOR WITHIN THE T I M E P R O V I D E D B Y L A W I S N O T USSET, WEINGARDEN AND LIEBO, AFFECTED BY THIS ACTION. P.L.L.P. THE TIME ALLOWED BY LAW FOR By: Paul A. Weingarden REDEMPTION BY THE MORTGAGOR, Attorneys for Mortgagee/Assignee of THE MORTGAGOR'S PERSONAL REP- Mortgagee RESENTATIVES OR ASSIGNS, MAY BE 4500 Park Glen Road #300 REDUCED TO FIVE WEEKS IF A JUDI- Minneapolis, MN 55416 CIAL ORDER IS ENTERED UNDER (952) 925-6888 MINNESOTA STATUTES, SECTION 19-505 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G 6850059285 OTHER THINGS, THAT THE MORT- THIS IS A COMMUNICATION FROM GAGED PREMISES ARE IMPROVED A DEBT COLLECTOR. 11/19-12/24/09 WITH A RESIDENTIAL DWELLING OF 1981775 LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. NOTICE OF MORTGAGE DATED: November 19, 2009 FORECLOSURE SALE ASSIGNEE OF MORTGAGEE: The NOTICE IS HEREBY GIVEN that Bank of New York Mellon fka the Bank of New York as Trustee for default has occurred in the conditions the Certificateholders CWALT, of the following described mortgage: DATE OF MORTGAGE: December 30, Inc. Alternative Loan Trust 2005-81 Mortgage Pass-through 2004 ORIGINAL PRINCIPAL AMOUNT OF Certificates, Series 2005-81 MORTGAGE: $236,825.00 Wilford & Geske, P.A. MORTGAGOR(S): Jason D. Matthews, Attorneys for Assignee of Mortgagee unmarried Lawrence A. Wilford MORTGAGEE: Mortgage Electronic James A. Geske Registration Systems, Inc. 8425 Seasons Parkway, Suite 105 DATE AND PLACE OF REGISTERWoodbury, MN 55125-4393 ING: Registered: February 02, 2005 (651) 209-3300 Dakota County Registrar of Titles, File Number: 005708F02 1982074 11/19-12/24/09 Document Number: 558124 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association, Dated: October 31, 2009 Transaction Agent: Mortgage ElecNOTICE OF MORTGAGE tronic Registration Systems, Inc. FORECLOSURE SALE THE RIGHT TO VERIFICATION OF Transaction Agent Mortgage IdentifiTHE DEBT AND IDENTITY OF THE cation Number: 100021278920259020 ORIGINAL CREDITOR WITHIN THE Lender or Broker: U.S. Bancorp T I M E P R O V I D E D B Y L A W I S N O T Advantage, LLC AFFECTED BY THIS ACTION. Residential Mortgage Servicer: U.S. NOTICE IS HEREBY GIVEN, that Bank Home Mortgage default has occurred in conditions of Mortgage Originator: Not Applicable the following described mortgage: CERTIFICATE OF TITLE NUMBER: DATE OF MORTGAGE: February 25, 135108 2008 COUNTY IN WHICH PROPERTY IS MORTGAGORS: Samantha M. Randle LOCATED: Dakota Property Address: 19780 Goldfinch and Hilton Randle, wife and husband.

MORTGAGEE: Mortgage Electronic Dr, Farmington, MN 55024-2014 Tax Parcel ID Number: Registration Systems, Inc. DATE AND PLACE OF RECORDING: 14-82500-073-08 LEGAL DESCRIPTION OF PROPRegistered March 18, 2008, Dakota County Registrar of Titles, Document ERTY: Unit No. 73, Common Interest No. 625279, Certificate of Title No. Community No. 323, a condominium, 133315.

Vermillion Grove Condominiums, ASSIGNMENTS OF MORTGAGE: Dakota County, Minnesota.

Assigned to: U.S. Bank, N.A., Dated: AMOUNT DUE AND CLAIMED TO BE October 30, 2009.

DUE AS OF DATE OF NOTICE: S a i d M o r t g a g e b e i n g R e g i s t e r e d $220,661.94 Land.

THAT all pre-foreclosure requireTRANSACTION AGENT: Mortgage ments have been complied with; that Electronic Registration Systems, Inc. no action or proceeding has been instiT R A N S A C T I O N A G E N T ' S M O R T - tuted at law or otherwise to recover the GAGE IDENTIFICATION NUMBER ON debt secured by said mortgage, or any part thereof; that this is registered MORTGAGE: 100196800031199263 LENDER OR BROKER AND MORT- property; GAGE ORIGINATOR STATED ON PURSUANT to the power of sale conMORTGAGE: Home Loan Center Inc., t a i n e d i n s a i d m o r t g a g e , t h e above-described property will be sold d/b/a Lendingtree Loans R E S I D E N T I A L M O R T G A G E S E R - by the Sheriff of said county as folVICER: U.S. Bank Home Mortgage lows: MORTGAGED PROPERTY ADDRESS: DATE AND TIME OF SALE: January 3712 73rd Street East, Inver Grove 07, 2010 at 10:00 AM Heights, MN 55076 PLACE OF SALE: Dakota County TAX PARCEL I.D.#: 20-71151-070-02 Law Enforcement Center, 1580 HighLEGAL DESCRIPTION OF PROP- way 55, Lobby S-100, Hastings, MinneERTY: sota Lot 7, Block 2, South Grove No. 2, to pay the debt secured by said mortDakota County, Minnesota. gage and taxes, if any, on said preCOUNTY IN WHICH PROPERTY IS mises and the costs and disburseLOCATED: Dakota ments, including attorney fees allowed ORIGINAL PRINCIPAL AMOUNT OF by law, subject to redemption within MORTGAGE: $210,308.00 six (6) months from the date of said AMOUNT DUE AND CLAIMED TO BE sale by the mortgagor(s), their perDUE AS OF DATE OF NOTICE, INCLUD- sonal representatives or assigns.

ING TAXES, IF ANY, PAID BY MORTIf the Mortgage is not reinstated GAGEE: $217,543.10 under Minn. Stat. §580.30 or the propThat prior to the commencement of erty is not redeemed under Minn. Stat. this mortgage foreclosure proceeding §580.23, the Mortgagor must vacate Mortgagee/Assignee of Mortgagee com- the property on or before 11:59 p.m. on plied with all notice requirements as July 07, 2010, or the next business day required by statute; That no action or if July 07, 2010 falls on a Saturday, proceeding has been instituted at law Sunday or legal holiday. or otherwise to recover the debt Mortgagor(s) released from financial secured by said mortgage, or any part obligation: NONE thereof; THIS COMMUNICATION IS FROM PURSUANT to the power of sale con- A DEBT COLLECTOR ATTEMPTtained in said mortgage, the above ING TO COLLECT A DEBT. ANY described property will be sold by the INFORMATION OBTAINED WILL BE Sheriff of said county as follows: USED FOR THAT PURPOSE. DATE AND TIME OF SALE: January THE RIGHT TO VERIFICATION OF 19, 2010 at 10:00 AM THE DEBT AND IDENTITY OF THE PLACE OF SALE: S h e r i f f ' s O f f i c e , ORIGINAL CREDITOR WITHIN THE Law Enforcement Center, 1580 Hwy T I M E P R O V I D E D B Y L A W I S N O T 55, Lobby #S-100, Hastings, MN AFFECTED BY THIS ACTION. to pay the debt then secured by said THE TIME ALLOWED BY LAW FOR Mortgage, and taxes, if any, on said REDEMPTION BY THE MORTGAGOR, premises, and the costs and disburse- THE MORTGAGOR'S PERSONAL REPm 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 RESENTATIVES OR ASSIGNS, MAY BE allowed by law subject to redemption REDUCED TO FIVE WEEKS IF A JUDIwithin six (6) months from the date of CIAL ORDER IS ENTERED UNDER said sale by the mortgagor(s), their MINNESOTA STATUTES, SECTION personal representatives or assigns 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G unless reduced to Five (5) weeks under OTHER THINGS, THAT THE MORTMN Stat. §580.07.

GAGED PREMISES ARE IMPROVED TIME AND DATE TO VACATE PROP- WITH A RESIDENTIAL DWELLING OF E R T Y : I f t h e r e a l e s t a t e i s a n LESS THAN FIVE UNITS, ARE NOT owner-occupied, single-family dwell- PROPERTY USED IN AGRICULTURAL ing, unless otherwise provided by law, PRODUCTION, AND ARE ABANDONED. the date on or before which the mortDATED: November 19, 2009 gagor(s) must vacate the property if the ASSIGNEE OF MORTGAGEE: mortgage is not reinstated under secU.S. Bank National Association tion 580.30 or the property is not Wilford & Geske, P.A. redeemed under section 580.23 is Attorneys for Assignee of Mortgagee 11:59 p.m. on July 19, 2010.

Lawrence A. Wilford MORTGAGOR(S) RELEASED FROM James A. Geske FINANCIAL OBLIGATION ON MORT- 8425 Seasons Parkway, Suite 105 GAGE: None Woodbury, MN 55125-4393 "THE TIME ALLOWED BY LAW FOR (651) 209-3300 REDEMPTION BY THE MORTGAGOR, File Number: 009906F01 THE MORTGAGOR'S PERSONAL REP- 1978468 11/19-12/24/09 RESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� ��� ���� ������ ������ ������� County Recorder, Document Number: 2214980 ���������� ���� ���������

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 13, 2005 MORTGAGOR: Kenneth A. Eaton, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded July 12, 2005, Dakota County Recorder, Document No. 2339216.

ASSIGNMENTS OF MORTGAGE: Assigned to: BAC Home Loans Servicing L.P. f/k/a Countrywide Home Loans Servicing L.P., Dated: September 9, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100139104915437687 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Residential Mortgage Group, Inc. RESIDENTIAL MORTGAGE SERVICER: BAC Home Loans Servicing L.P. MORTGAGED PROPERTY ADDRESS: 5148 Lower 183rd Street West, Farmington, MN 55024 TAX PARCEL I.D. #: 141950503004 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Block 4, Dakota County Estates Sixth Addition, Dakota County, Minn.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $221,219.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $217,611.07 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 19, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 19, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 16, 2009.

BAC Home Loans Servicing L.P. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 18-681 93924852 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982722 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: May 14, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $127,000.00 MORTGAGOR(S): Jason M. Walgrave and Stephanie Walgrave, Husband and Wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: June 14, 2004 Dakota County Recorder, Document Number:

Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700037123714 Lender or Broker: America's Wholsesale Lender Residential Mortgage Servicer: Litton Loan Servicing, LP Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 15554 Garnet Way, Apple Valley, MN 55124-5157 Tax Parcel ID Number: 011670000504 LEGAL DESCRIPTION OF PROPERTY: Unit Number 5, Condominium Number 117, Cedar Pointe Carriage Homes Condominium, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $125,120.91 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 001788F02 1980931 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J a n u a r y 1 0 , 2007 MORTGAGOR: Nissa A. Sale, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded January 24, 2007, Dakota County Recorder, Document No. 2490991.

ASSIGNMENTS OF MORTGAGE: Assigned to: CitiMortgage, Inc, Dated: November 3, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100020000351496579 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Burnet Home Loans RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 3471 East 67th Street, Inver Grove Heights, MN 55076 TAX PARCEL I.D.#: 20-44350-320-01 LEGAL DESCRIPTION OF PROPERTY: Apartment No. 76, Building No. 19, Condominium File No. 6, Lakebridge Condominium No. 2. Dakota County COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $118,400.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $118,107.37

GAGEE: $118,107.37 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 26, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 26, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 11, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2722 1120044652 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982418 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: April 24, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $170,400.00 MORTGAGOR(S): Tally J. Peterson fka Tally J. Brader and David J. Peterson, wife and husband MORTGAGEE: Merchants Bank, National Association DATE AND PLACE OF RECORDING: Recorded: May 30, 2003 Dakota County Recorder Document Number: 2054977 ASSIGNMENTS OF MORTGAGE: And assigned to: TCF Mortgage Corporation, Dated: April 24, 2003, Recorded: May 30, 2003 Dakota County Recorder Document Number: 2054978 And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: May 01, 2006, Recorded: May 10, 2006 Dakota County Recorder Document Number: 2427996 And assigned to: U.S. Bank National Association, Dated: November 04, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001859030 Lender or Broker: Merchants Bank, National Association Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 15947 Harmony Way, Apple Valley, MN 55124-7067 Tax Parcel ID Number: 01-45801-370-08 LEGAL DESCRIPTION OF PROPERTY: Lot 37, Block 8, Longridge Second Addition, according to the recorded plat thereof, and situate in Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $159,537.52 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their per-

sale by the mortgagor(s), their per sonal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009857F01 1981625 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 02, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $167,200.00 MORTGAGOR(S): Steven B. Jacobson and Carla M. Jacobson, husband and wife MORTGAGEE: TCF Mortgage Corporation DATE AND PLACE OF RECORDING: Recorded: July 03, 2003 Dakota County Recorder, Document Number: 2074082 ASSIGNMENTS OF MORTGAGE: And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: May 01, 2006, Recorded: May 10, 2006 Dakota County Recorder, Document Number: 2427701 And assigned to: U.S. Bank National Association, Dated: October 15, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100021248001863065 Lender or Broker: TCF Mortgage Corporation Residential Mortgage Servicer: U.S. Bank Home Mortgage Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1003 Stryker Ave, West Saint Paul, MN 55118-1303 Tax Parcel ID Number: 42-14300-100-00 LEGAL DESCRIPTION OF PROPERTY: Lot 10, in Blechinger's Subdivision, according to the recorded plat thereof, and situate in Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $163,874.64 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDI-

REDUCED TO FIVE WEEKS IF A JUDI CIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: U.S. Bank National Association Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009517F01 1978753 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J u n e 1 4 , 2005 MORTGAGOR: I g o r N . K a r p i c h , a single man.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded July 14, 2005, Dakota County Recorder, Document No. 2340008.

ASSIGNMENTS OF MORTGAGE: Assigned to: Bayview Loan Servicing, LLC, Dated: October 7, 2009 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100015901074384983 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: CTX Mortgage Company, LLC RESIDENTIAL MORTGAGE SERVICER: Bayview Loan Servicing, LLC MORTGAGED PROPERTY ADDRESS: 15620 Echo Ridge Road, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-18052-004-31 LEGAL DESCRIPTION OF PROPERTY: Unit No. 1004, CIC Number 484, A Condominium, Legacy Homes at Cobblestone Lake North Shore, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $166,492.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $175,366.81 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE:Sheriff's Office, Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 9, 2009.

Bayview Loan Servicing, LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-1444 0000400951 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982675 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: November 4, 2004 MORTGAGOR: Heather Ann Peterson, a single woman.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered March 16, 2005, Dakota County Registrar of Titles, Document No. 560959, Certificate of Title No. 129051.

ASSIGNMENTS OF MORTGAGE: Assigned to: Bayview Loan Servicing, LLC, Dated: October 7, 2009 Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100059012560187810 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: nBank, N.A. RESIDENTIAL MORTGAGE SERVICER: Bayview Loan Servicing, LLC MORTGAGED PROPERTY ADDRESS: 4671 Jackstone Point, Eagan, MN 55122 TAX PARCEL I.D.#: 10-63983-020-08 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 8, Ridgecliffe Fourth Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $136,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $140,361.95 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 9, 2009.

Bayview Loan Servicing, LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 90-1443 0000400668 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982628 11/19-12/24/09

PUBLIC NOTICE NOTICE OF ASSESSMENT LIEN

FORECLOSURE SALE Date: November 2, 2009 YOU ARE NOTIFIED THAT: 1. Default has occurred in the terms and conditions of the Declaration of Gardenview Place Association (hereinafter the "Association") which was recorded as Document No. 1109609 on March 29, 1993, as amended, in the Office of the Dakota County Recorder, covering the following property: L E G A L D E S C R I P T I O N : Lot 1, Block 1, Gardenview Place Second Addition, Dakota County, Minnesota STREET ADDRESS: 14201 Hibis-

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STREET ADDRESS: 14201 Hibis cus Court, Apple Valley, MN 55124 P A R C E L I D N U M B E R : 01-28951-010-01 2. Pursuant to said Declaration, there is claimed to be due and owing as of November 2, 2009, from Dean E. Hewes, title holder, to the Association, a Minnesota non-profit corporation, the amount of $3,637.50 for unpaid association dues, late fees, attorneys fees and costs, plus any other such amounts that will accrue after November 2, 2009, and other costs of collection and foreclosure which will be added to the amount claimed due and owing at the time of the sale herein.

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

4. That all preforeclosure requirements have been met.

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

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

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

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

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

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: December 22, 2006 MORTGAGORS: J o s e W . J i m e n e z and Sandra A. Jimenez, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered January 16, 2007, Dakota County Registrar of Titles, Document No. 604329, Certificate of Title No. 122651.

ASSIGNMENTS OF MORTGAGE: Assigned to: Deutsche Bank National Trust Company, as Trustee for NovaStar Mortgage Funding Trust, Series 2007-1, Dated: October 30, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100080190062543418 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: NovaStar Mortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: Saxon Mortgage Services, Inc. MORTGAGED PROPERTY ADDRESS: 15792 Highview Drive, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-44202-120-04 LEGAL DESCRIPTION OF PROPERTY: Lot 12, Block 4, Lac Lavon Shores 3rd Addition, according to the recorded plat thereof, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $565,600.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUD-

DUE AS OF DATE OF NOTICE, INCLUD ING TAXES, IF ANY, PAID BY MORTGAGEE: $577,559.13 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 6, 2009.

Deutsche Bank National Trust Company, as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 84-587 2000410718 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982525 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 1 6 , 2006 MORTGAGORS: Jon Hall and Billee Jo Hall, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded May 24, 2006, Dakota County Recorder, Document No. 2432376.

ASSIGNMENTS OF MORTGAGE: Assigned to: Deutsche Bank National Trust Company, as Trustee for First Franklin Mortgage Loan Trust 2006-FF9, Mortgage Pass-Through Certificates, Series 2006-FF9, Dated: April 9, 2009, Recorded: April 30, 2009, Document No. 2653778.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100425240006820440 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Franklin RESIDENTIAL MORTGAGE SERVICER: Home Loan Services, Inc. MORTGAGED PROPERTY ADDRESS: 4667 Blaylock Way, Inver Grove Heights, MN 55076 TAX PARCEL I.D.#: 20-44001-601-07 LEGAL DESCRIPTION OF PROPERTY: Unit Number 2601, Lafayette Park, Common Interest Community No. 370, a Condominium located in Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $172,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $181,088.77 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e ,

PLACE OF SALE: S h e r i f f s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 10, 2009.

Deutsche Bank National Trust Company, as trustee Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 76-3211 1044656394 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1979832 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN: that a default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 22, 1999 MORTGAGOR(S): Ward Knutson and Elizabeth A. Knutson, husband and wife MORTGAGEE: GE Capital Mortgage Services, Inc. DATE AND PLACE OF RECORDING: Filed December 6, 1999, Dakota County Recorder, Document No. 1657785 ASSIGNMENT(S) OF MORTGAGE: Assigned to First Union National Bank, as Indenture Trustee by an Assignment of Mortgage dated April 7, 2000, recorded November 2, 2000, as Document No. 1728625 and subsequently assigned to Bayview Loan Servicing, LLC by an Assignment of Mortgage dated September 9, 2009, recorded September 11, 2009, as Document No. 2683870 The land described in said mortgage is not registered land.

MORTGAGE HOLDER (as defined in section 58.02): Transaction Agent: NA Transaction Agent's Mortgage Identification Number on Mortgage: NA Lender or Broker: Bayview Loan Servicing, LLC. Residential Mortgage Servicer: NA MORTGAGE ORIGINATOR (as defined in section 58.02): GE Capital Mortgage Services, Inc. MORTGAGED PROPERTY ADDRESS: 3829 Bridgewater Drive, Eagan, MN 55123 TAX PARCEL I.D. NO.: 10-75835-080-01 LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 1, The Oaks of Bridgewater 1st Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $248,650.00 AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THIS NOTICE: $218,491.70 The holder of the mortgage has complied with all conditions precedent to acceleration of the debt secured by the mortgage and foreclosure of the mortgage and all notice and other requirements of applicable statutes. That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof.

PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 12, 2010 at 10:00 a.m.

PLACE OF SALE: Dakota County Sheriff's Office, Law Enforcement Center, 1580 Highway 55, Hastings, MN 55033, to pay the debt then secured by said mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under

the Mortgage is not reinstated under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 12, 2010, or the next business day if July 12, 2010 falls on a Saturday, Sunday or legal holiday.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N A N D A R E ABANDONED." Dated: November 11, 2009 BAYVIEW LOAN SERVICING, LLC, Assignee /s/ Anna C. Mickelson -forANNA C. MICKELSON Atty. I.D. #347814 MURNANE BRANDT Attorneys for Assignee 30 East Seventh Street, Suite 3200 St. Paul, Minnesota 55101 Telephone (651) 227-9411 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1979601 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: May 25, 2007 MORTGAGORS: Cindy A. Peters and Randy L. Zellman, both single.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded June 11, 2007, Dakota County Recorder, Document No. 2523282.

ASSIGNMENTS OF MORTGAGE: Assigned to: First Franklin Financial Corporation, Dated: November 13, 2008, Recorded: December 5, 2008, Document No. 2625703.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100425240014527805 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Franklin Financial Corp.

RESIDENTIAL MORTGAGE SERVICER: Home Loan Services, Inc. MORTGAGED PROPERTY ADDRESS: 16950 Gannon Way West, Rosemount, MN 55068 TAX PARCEL I.D.#: 22-16701-100-01 LEGAL DESCRIPTION OF PROPERTY: Lot 10, Block 1, Cedar Highlands Second Addition, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $190,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $220,489.65 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

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

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County Registrar of Titles, Document First Franklin Financial Corporation No. 534059, Certificate of Title No. Mortgagee/Assignee of Mortgagee 131358.

USSET, WEINGARDEN AND LIEBO, P.L.L.P. ASSIGNMENTS OF MORTGAGE: By: Paul A. Weingarden NONE Attorneys for Mortgagee/Assignee of Said Mortgage being Registered Mortgagee Land.

4500 Park Glen Road #300 TRANSACTION AGENT: NONE Minneapolis, MN 55416 TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON (952) 925-6888 76-2875 MORTGAGE: NONE 1044890429 LENDER OR BROKER AND MORTTHIS IS A COMMUNICATION FROM G A G E O R I G I N A T O R S T A T E D O N MORTGAGE: Abn Amro Mortgage A DEBT COLLECTOR. 1981392 11/19-12/24/09 Group, Inc. NKA CitiMortgage, Inc. RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: NOTICE OF ASSESSMENT LIEN 19904 English Street, Farmington, MN FORECLOSURE SALE 55024 Date: October 29, 2009 TAX PARCEL I.D.#: 14-82500-010-06 YOU ARE NOTIFIED THAT: LEGAL DESCRIPTION OF PROP1. Default has occurred in the terms ERTY: and conditions of the Declaration of Lot 1, Block 6, Vermillion Grove.

Gardenview Place Association (hereinDakota County after the "Association") which was COUNTY IN WHICH PROPERTY IS recorded as Document No. 1109609 LOCATED: Dakota on March 29, 1993, in the Office of the ORIGINAL PRINCIPAL AMOUNT OF Dakota County Recorder, covering the MORTGAGE: $304,150.00 following property: AMOUNT DUE AND CLAIMED TO BE L E G A L D E S C R I P T I O N : Lot 2, DUE AS OF DATE OF NOTICE, INCLUDBlock 1, Gardenview Place First ING TAXES, IF ANY, PAID BY MORTAddition, Dakota County, Minnesota GAGEE: $275,639.40 STREET ADDRESS: 14306 That prior to the commencement of Hickory Court, Apple Valley, MN this mortgage foreclosure proceeding 55124 Mortgagee/Assignee of Mortgagee comP A R C E L I D N U M B E R : plied with all notice requirements as 01-28950-020-01 required by statute; That no action or 2. Pursuant to said Declaration, proceeding has been instituted at law there is claimed to be due and owing o r o t h e r w i s e t o r e c o v e r t h e d e b t as of October 29, 2009, from Diana G. secured by said mortgage, or any part Williams, title holder, to the Associa- thereof; tion, a Minnesota non-profit corporaPURSUANT to the power of sale contion, the amount of $10,099.36 for tained in said mortgage, the above unpaid association dues, late fees, described property will be sold by the attorneys fees and costs, plus any Sheriff of said county as follows: other such amounts that will accrue DATE AND TIME OF SALE: January after October 29, 2009, and other costs 21, 2010 at 10:00 AM of collection and foreclosure which PLACE OF SALE: S h e r i f f ' s O f f i c e , will be added to the amount claimed Law Enforcement Center, 1580 Hwy due and owing at the time of the sale 55, Lobby #S-100, Hastings, MN herein. to pay the debt then secured by said 3. No action is now pending at law or Mortgage, and taxes, if any, on said otherwise to recover said debt or any premises, and the costs and disbursepart thereof. ments, including attorneys' fees 4. That all preforeclosure require- allowed by law subject to redemption ments have been met. within six (6) months from the date of 5. The owner has not been released said sale by the mortgagor(s), their from her financial obligation to pay personal representatives or assigns said amount. unless reduced to Five (5) weeks under 6. The Declaration, referenced above MN Stat. §580.07. provides for a continuing lien against TIME AND DATE TO VACATE PROPthe property. An Amended and Super- E R T Y : I f t h e r e a l e s t a t e i s a n ceding Notice of Lien evidencing the owner-occupied, single-family dwellamount due was recorded on Septem- ing, unless otherwise provided by law, b e r 3 0 , 2 0 0 9 , a s D o c u m e n t N o . the date on or before which the mort2 6 8 7 5 4 0 i n t h e D a k o t a C o u n t y gagor(s) must vacate the property if the Recorder's Office, amending Notice of mortgage is not reinstated under secL i e n f i l e d N o v e m b e r 1 0 , 2 0 0 8 a s tion 580.30 or the property is not Document No. 2622162. redeemed under section 580.23 is 7. Pursuant to the power of sale con- 11:59 p.m. on July 21, 2010. tained in the same Declaration and MORTGAGOR(S) RELEASED FROM granted by the owner in taking title to FINANCIAL OBLIGATION ON MORTthe premises subject to said Declara- GAGE: None tion, said Lien will be foreclosed by the "THE TIME ALLOWED BY LAW FOR sale of said property by the Sheriff of REDEMPTION BY THE MORTGAGOR, Dakota County, at the Dakota County THE MORTGAGOR'S PERSONAL REPSheriffs Office, Dakota County Law RESENTATIVES OR ASSIGNS, MAY BE Enforcement Center, 1580 Highway 55 REDUCED TO FIVE WEEKS IF A JUDILobby S-100, Hastings, MN 55033, on CIAL ORDER IS ENTERED UNDER the 7th day of January, 2010, at MINNESOTA STATUTES, SECTION 10:00 a.m. at public auction to the 5 8 2 . 0 3 2 , D E T E R M I N I N G , A M O N G highest bidder, to pay the amount then OTHER THINGS, THAT THE MORTdue for said assessments, together GAGED PREMISES ARE IMPROVED with the costs of foreclosure, includ- WITH A RESIDENTIAL DWELLING OF ing attorneys fees as allowed by law.

LESS THAN FIVE UNITS, ARE NOT 8 . T h e t i m e a l l o w e d b y l a w f o r PROPERTY USED IN AGRICULTURAL redemption by the unit owner, her per- P R O D U C T I O N , A N D A R E sonal representatives or assigns is six ABANDONED." (6) months from the date of sale. The Dated: November 9, 2009. date and time to vacate the property is CitiMortgage, Inc. 11:59 p.m. on July 7, 2010, if the Mortgagee/Assignee of Mortgagee account is not reinstated or the owner USSET, WEINGARDEN AND LIEBO, does not redeem from the foreclosure P.L.L.P. sale.

By: Paul A. Weingarden REDEMPTION NOTICE Attorneys for Mortgagee/Assignee of T H E T I M E A L L O W E D B Y L A W Mortgagee FOR REDEMPTION BY THE MORT- 4500 Park Glen Road #300 GAGOR, THE MORTGAGOR'S PER- Minneapolis, MN 55416 S O N A L R E P R E S E N T A T I V E S O R (952) 925-6888 ASSIGNS, MAY BE REDUCED TO 10-2696 F I V E W E E K S I F A J U D I C I A L 642482834 ORDER IS ENTERED UNDER MIN- THIS IS A COMMUNICATION FROM N E S O T A S T A T U T E S , S E C T I O N A DEBT COLLECTOR. 582.032, DETERMINING, AMONG 1982466 11/19-12/24/09 OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL NOTICE OF MORTGAGE DWELLING OF LESS THAN FIVE FORECLOSURE SALE UNITS, ARE NOT PROPERTY USED THE RIGHT TO VERIFICATION OF IN AGRICULTURAL PRODUCTION, THE DEBT AND IDENTITY OF THE AND ARE ABANDONED. 9. THIS IS A COMMUNICATION FROM ORIGINAL CREDITOR WITHIN THE A DEBT COLLECTOR ATTEMPTING TO T I M E P R O V I D E D B Y L A W I S N O T COLLECT A DEBT. ANY INFORMA- AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that TION OBTAINED WILL BE USED FOR default has occurred in conditions of THAT PURPOSE. GARDENVIEW PLACE ASSOCIATION the following described mortgage: DATE OF MORTGAGE: J u n e 2 7 , Attorneys for Gardenview Place Asso2003 ciation: MORTGAGORS: Adam C. Steffen and THOMSEN & NYBECK, P.A. Jamie J. Steffen, both single.

By: Gretchen S. Schellhas (#195595) MORTGAGEE: U.S. Bank, N.A. 3600 American Blvd. West, Suite 400 DATE AND PLACE OF RECORDING: Bloomington, Minnesota 55431 Registered September 19, 2003, (952) 835-7000 Dakota County Registrar of Titles, (Gardenview Place/Williams/09-7-635D) 1981901 11/19-12/24/09 Document No. 514811, Certificate of Title No. 129320.

ASSIGNMENTS OF MORTGAGE: NONE NOTICE OF MORTGAGE Said Mortgage being Registered FORECLOSURE SALE Land.

THE RIGHT TO VERIFICATION OF TRANSACTION AGENT: NONE THE DEBT AND IDENTITY OF THE TRANSACTION AGENT'S MORTORIGINAL CREDITOR WITHIN THE GAGE IDENTIFICATION NUMBER ON T I M E P R O V I D E D B Y L A W I S N O T MORTGAGE: NONE AFFECTED BY THIS ACTION. LENDER OR BROKER AND MORTNOTICE IS HEREBY GIVEN, that G A G E O R I G I N A T O R S T A T E D O N default has occurred in conditions of MORTGAGE: U.S. Bank, N.A. the following described mortgage: RESIDENTIAL MORTGAGE SERDATE OF MORTGAGE: December 22, VICER: U.S. Bank Home Mortgage 2003 MORTGAGED PROPERTY ADDRESS: MORTGAGORS: Eric Petersen and 5205 Hummingbird Lane, Farmington, Eryn Petersen, HUSBAND AND WIFE. MN 55024 MORTGAGEE: Abn Amro Mortgage TAX PARCEL I.D.#: 14-82501-152-08 Group, Inc. NKA CitiMortgage, Inc..

LEGAL DESCRIPTION OF PROPDATE AND PLACE OF RECORDING: R e g i s t e r e d A p r i l 7 , 2 0 0 4 , D a k o t a ���������� �� ���� �����

PUBLIC NOTICE

PUBLIC NOTICE

PUBLIC NOTICE

��� �������� ��� ���� ������ ������ mortgage, or any part by said������� secured thereof; ���������� ���� ��������� LEGAL DESCRIPTION OF PROP ERTY: Unit No. 152, Common Interest Community No. 323, a condominium, Vermillion Grove Condominiums, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $140,750.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $133,151.37 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 19, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 19, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 6, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-499 7890820667 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1981736 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: July 27, 2001 MORTGAGOR: Melissa M. Barott, a single person.

MORTGAGEE: TCF Mortgage Corporation.

DATE AND PLACE OF RECORDING: Recorded August 30, 2001, Dakota County Recorder, Document No. 1807862.

ASSIGNMENTS OF MORTGAGE: Assigned to: The Leader Mortgage Company s/b/m to U.S. Bank, N.A., Dated: January 10, 2002, Recorded: January 17, 2002, Document No. 1851783.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: TCF Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 1917 Kathleen Drive West, Saint Paul, MN 55118 TAX PARCEL I.D.#: 42-63450-130-07 LEGAL DESCRIPTION OF PROPERTY: Lot 13, Block 7, A.E. Rehnberg's Southview Addition COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $120,671.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $119,926.30 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part

PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 10, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-524 9900135225 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1982553 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: M a r c h 2 8 , 2003 MORTGAGORS: John E. Hertel and Purisima T. Hertel, husband and wife.

MORTGAGEE: C e n d a n t M o r t g a g e Corporation d/b/a Burnet Home Loans n/k/a PHH Mortgage Corporation.

DATE AND PLACE OF RECORDING: Registered May 2, 2003, Dakota County Registrar of Titles, Document No. 498147, Certificate of Title No. 127906.

ASSIGNMENTS OF MORTGAGE: Assigned to: Mortgage Electronic Registration Systems, Inc, Dated: February 10, 2009, Recorded: April 24, 2009, Document No. T642635. And thereafter assigned to: CitiMortgage, Inc, Dated: October 13, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Cendant Mortgage Corporation d/b/a Burnet Home Loans n/k/a PHH Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 517 Spruce Street, Eagan, MN 55123 TAX PARCEL I.D.#: 10-57650-150-01 LEGAL DESCRIPTION OF PROPERTY: Lot Fifteen, Block One, Pinetree Forest COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $311,200.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $292,632.71 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 20, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under

unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 20, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 6, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2469 1120082327 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1981715 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 22, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $410,000.00 MORTGAGOR(S): Lisa L Fitch and Sean W. Fitch, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF REGISTERING: Registered: October 04, 2006 Dakota County Registrar of Titles, Document Number: 598854 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100024200014443192 Lender or Broker: American Brokers Conduit Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 138986 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 17326 Galle Ct, Lakeville, MN 55044-4471 Tax Parcel ID Number: 22-18600-060-03 LEGAL DESCRIPTION OF PROPERTY: Lot Six (6), Block Three (3), Crossroads 1st Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $438,434.73 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED.

PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 M O R T G A G E E : M o r t g a ge E l e c tronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009978F01 1981696 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: January 30, 2008 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $225,000.00 MORTGAGOR(S): Javier Contreras and Alicia Palacios, husband and wife MORTGAGEE: U.S. Bank National Association ND DATE AND PLACE OF RECORDING: Recorded: February 15, 2008 Dakota County Recorder, Document Number: 2572582 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: U.S. Bank National Association ND Residential Mortgage Servicer: U.S. Bank Consumer Finance Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 801 Knob Hill Rd, Burnsville, MN 55337-4345 Tax Parcel ID Number: 02-42700-011-00 LEGAL DESCRIPTION OF PROPERTY: That part of Outlot 1, Knob Hill, lying westerly of the westerly right-of-way of Trunk Highway 35W, and lying northerly of a line drawn parallel to and 143 feet (measured at right angles) northerly of the south line of said Outlot 1, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $235,037.44 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 12, 2009 MORTGAGEE: U.S. Bank National Association ND Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009767F01 1979577 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: August 09, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $155,000.00 MORTGAGOR(S): Diem Thi Ha and Hung Van Nguyen, wife and husband MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: August 21, 2007 Dakota County Recorder, Document Number:

County Recorder, Document Number: 2538825 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servicing, L.P., Dated: November 16, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100133700023583845 Lender or Broker: Countrywide Bank, FSB Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4118 Fremont Alcove #32, Eagan, MN 55122 Tax Parcel ID Number: 10-17790-032-02 LEGAL DESCRIPTION OF PROPERTY: Unit 32, Common Interest Community No. 125, Cliff Lake Courthomes, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $156,551.25 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010233F01 1981879 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: July 25, 2003 MORTGAGORS: Paul J. Archambeau and Nicole M.D. Archambeau, husband and wife.

MORTGAGEE: ABN AMRO Mortgage Group, Inc nka CitiMortgage, Inc. DATE AND PLACE OF RECORDING: Recorded September 10, 2003, Dakota County Recorder, Document No. 2107084.

ASSIGNMENTS OF MORTGAGE: NONE TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: ABN AMRO Mortgage Group, Inc nka CitiMortgage, Inc RESIDENTIAL MORTGAGE SERVICER: CitiMortgage, Inc. MORTGAGED PROPERTY ADDRESS: 1076 South Smith Avenue, West Saint Paul, MN 55118 TAX PARCEL I.D.#: 42-34900-030-00 LEGAL DESCRIPTION OF PROPERTY: Lot 3, Emma E. Icklers Addition to West St. Paul COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $251,650.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORT-

ING TAXES, IF ANY, PAID BY MORT GAGEE: $231,205.78 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 21, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 21, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 6, 2009.

CitiMortgage, Inc. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 10-2576 636472545 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1981075 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: J a n u a r y 3 , 2008 MORTGAGORS: M i c h e l l e M . P a t t y and Diane M. Patty, both single.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded February 1, 2008, Dakota County Recorder, Document No. 2569554.

ASSIGNMENTS OF MORTGAGE: Assigned to: U.S. Bank, N.A., Dated: October 28, 2009.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100021268001135462 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Riverview Community Bank RESIDENTIAL MORTGAGE SERVICER: U.S. Bank Home Mortgage MORTGAGED PROPERTY ADDRESS: 6870 167th Street West, Rosemount, MN 55068 TAX PARCEL I.D.#: 22-21171-020-08 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 8, Donnay's Valley Park 2nd Addition, Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $218,250.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $222,516.23 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 14, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disburse-

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premises, and the costs and disburse ments, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 14, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 6, 2009.

U.S. Bank, N. A. Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 19-495 6800113546 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1981043 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN: That default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 27, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $173,096.65 MORTGAGOR(S): Julie M. Stuart, single MORTGAGEE: Mortgage Electronic Registration Systems, Inc as a nominee for Delta Funding Corp TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc MIN#: 100076600000146948 SERVICER: Ocwen Loan Servicing, LLC LENDER: Delta Funding Corp.

DATE AND PLACE OF FILING: Dakota County Minnesota, Recorder , on August 27, 2004, as Document No. 2242691, Corrective Mortgage recorded June 6, 2005 as Document No. 2328293.

ASSIGNED TO: Wells Fargo Bank, N.A., as Trustee for the registered holders of Renaissance Home Equity Loan Asset-Backed Certificates, Series 2004-3 Dated: March 31, 2008 , and recorded April 16, 2008 by Document No. 2584941.

LEGAL DESCRIPTION OF PROPERTY: Lot 30, Block 2, Village Creek 3rd Addition, CIC Number 327, Dakota County, Minnesota. PROPERTY ADDRESS: 20725 Hampshire Circle, Lakeville, MN 55044 PROPERTY I.D: 228205230002 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: One Hundred Thirty-Eight Thousand Five Hundred Nine and 67/100 ($138,509.67) THAT no action or proceeding has been instituted at law to recover the debt secured by said mortgage, or any part thereof; that there has been compliance with all pre-foreclosure notice and acceleration requirements of said mortgage, and/or applicable statutes; PURSUANT, to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: 10:00 AM on January 5, 2010 PLACE OF SALE: S h e r i f f ` s M a i n Office, Law Enforcement Center, 1580 Highway 55, Hastings MN 55033-2343 to pay the debt then secured by said mortgage and taxes, if any actually paid by the mortgagee, on the premises and the costs and disbursements allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is 6 months from the date of sale.

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

Trustee for the registered holders of Renaissance Home Equity Loan Asset-Backed Certificates, Series 2004-3 Randall S. Miller & Associates, P.C Attorneys for Assignee of Mortgage/Mortgagee One Financial Plaza, 120 South Sixth Street, Suite 1100 Minneapolis, MN 55402 Phone: 612-573-3677 Our File No. 09MN00106-1 ASAP# 3338751 1977235 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: February 27, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $279,000.00 MORTGAGOR(S): Anthony Hoffman, a single man MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: March 22, 2007 Dakota County Recorder, Document Number: 2504250 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100025440003675342 Lender or Broker: Lehman Brothers Bank, FSB Residential Mortgage Servicer: Aurora Loan Services, LLC Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 5767 191st St W, Farmington, MN 55024-6600 Tax Parcel ID Number: 14-77501-180-01 LEGAL DESCRIPTION OF PROPERTY: Lot 18, Block 1, Troyhill Second Addition, according to the recorded plat thereof, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $296,032.19 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 009980F01 1981706 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: March 27, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $208,000.00 MORTGAGOR(S): Anne M Nolet, a single woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: May 08, 2006 Dakota County Recorder, Document Number: 2427063 ASSIGNMENTS OF MORTGAGE: And assigned to: BAC Home Loans Servic-

assigned to: BAC Home Loans Servic ing, L.P., Dated: November 11, 2009 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100013800892406675 Lender or Broker: GreenPoint Mortgage Funding, Inc. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 14085 Dearborn Path, Rosemount, MN 55068-5037 Tax Parcel ID Number: 34-18302-440-02 LEGAL DESCRIPTION OF PROPERTY: Lot 44, Block 2, Country Hills 3rd Addition, according to the duly recorded plat thereof, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $214,221.64 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 07, 2010 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on July 07, 2010, or the next business day if July 07, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: BAC Home Loans Servicing, L.P. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 010237F01 1981844 11/19-12/24/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: February 17, 2006 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $204,000.00 MORTGAGOR(S): Scott J. Obeidzinski, a single person MORTGAGEE: Vermillion State Bank DATE AND PLACE OF RECORDING: Recorded: February 28, 2006 Dakota County Recorder, Document Number: 2409200 ASSIGNMENTS OF MORTGAGE: And assigned to: Mortgage Electronic Registration Systems, Inc., Dated: February 17, 2006, Recorded: February 28, 2006 Dakota County Recorder, Document Number: 2409201 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100015700059102638 Lender or Broker: Vermillion State Bank Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 1420 17th St W, Hastings, MN 55033-3209 Tax Parcel ID Number: 19-32850-110-07 LEGAL DESCRIPTION OF PROPERTY: Lot 11, Block 7, Highland Hills First Addition, according to the recorded plat thereof, and situate in Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $201,205.68 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

debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale 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 03, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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 16, 2009 ASSIGNEE OF MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006790F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for September 03, 2009 at 10:00 AM has been postponed to October 15, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: September 03, 2009 ASSIGNEE OF MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006790F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 15, 2009 at 10:00 AM has been postponed to November 19, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: October 15, 2009 ASSIGNEE OF MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006790F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for November 19, 2009 at 10:00 AM has been postponed to January 14, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: November 19, 2009 ASSIGNEE OF MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Assignee Of Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006790F01 1986847 11/26/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN: That default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 10, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $156,000.00 MORTGAGOR(S): Eric W Schmidt and Patricia A Schmidt, Husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for Decision One Mortgage company, LLC TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc

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Jennifer K. Fischer SERVICER: Ocwen Loan Servicing Randall S. Miller & Associates, P.C. LLC. One Financial Plaza LENDER: Decision One Mortgage 120 South Sixth Street, Suite 1100 Company, LLC. Minneapolis, MN 55402 D A T E A N D P L A C E O F F I L I N G : 612-573-3677 Dakota County Minnesota, Recorder , Our File No. 09MN00036-1 as Document No. 2238227 on August PURSUANT TO THE FAIR DEBT 16, 2004.

COLLECTION PRACTICES ACT, YOU ASSIGNED TO: U.S. Bank N.A., in its ARE ADVISED THAT THIS OFFICE IS capacity as Trustee for the registered DEEMED A DEBT COLLECTOR ANY holders of Home Equity Asset Trust INFORMATION OBTAINED WILL BE 2004-7,Home Equity Pass-Through U S E D F O R T H A T P U R P O S E . T H I S Certificates, Series 2004-7 Dated: N O T I C E I S R E Q U I R E D B Y T H E December 21, 2007 , and recorded P R O V I S I O N S O F T H E F A I R D E B T January 10, 2008 by Document No. COLLECTION PRACTICES ACT AND 2565368.

DOES NOT IMPLY THAT WE ARE L E G A L D E S C R I P T I O N O F P R O P - ATTEMPTING TO COLLECT MONEY ERTY: Lot 9, Block 1, Foxborough, F R O M A N Y O N E W H O H A S according to the plat thereof on file DISCHARGED THE DEBT UNDER THE a n d o f r e c o r d i n t h e o f f i c e o f t h e BANKRUPTCY LAWS OF THE UNITED county recorder, Dakota County, Min- STATES. nesota.

ASAP# 3331858 PROPERTY ADDRESS: 7587 Upper 1977376 11/26/2009 167th Street West, Lakeville, MN 55044 PROPERTY I.D: 22 27600 090 01 COUNTY IN WHICH PROPERTY IS NOTICE OF MORTGAGE LOCATED: Dakota FORECLOSURE SALE THE AMOUNT CLAIMED TO BE DUE N O T ICE IS HEREBY GIVEN that ON THE MORTGAGE ON THE DATE OF THE NOTICE: One Hundred Sixty-Six default has occurred in the conditions Thousand One Hundred Seventy-Five of the following described mortgage: DATE OF MORTGAGE: July 28, 2006 and 82/100 ($166,175.82) ORIGINAL PRINCIPAL AMOUNT OF THAT no action or proceeding has MORTGAGE: $244,800.00 been instituted at law to recover the MORTGAGOR(S): Luis R. debt secured by said mortgage, or any part thereof; that there has been com- Vilchis-Lopez and Fathiya Ali, huspliance with all pre-foreclosure notice band and wife MORTGAGEE: Mortgage Electronic and acceleration requirements of said Registration Systems, Inc. mortgage, and/or applicable statutes; DATE AND PLACE OF REGISTERPURSUANT, to the power of sale contained in said mortgage, the above ING: Registered: September 11, 2006 described property will be sold by the Dakota County Registrar of Titles, Document Number: 597345 Sheriff of said county as follows: Transaction Agent: Mortgage ElecDATE AND TIME OF SALE: 10:00 AM tronic Registration Systems, Inc. on October 27, 2009 Transaction Agent Mortgage IdentifiPLACE OF SALE: Sheriff`s M a i n Office, Law Enforcement Center, 1580 cation Number: 100232301120031794 Lender or Broker: Centennial MortHighway 55, Hastings MN 55033-2343 to pay the debt then secured by said gage and Funding, Inc. Residential Mortgage Servicer: BAC mortgage and taxes, if any actually paid by the mortgagee, on the premises Home Loans Servicing, L.P. Mortgage Originator: Not Applicable and the costs and disbursements CERTIFICATE OF TITLE NUMBER: allowed by law. The time allowed by l a w f o r r e d e m p t i o n b y s a i d 140833 COUNTY IN WHICH PROPERTY IS mortgagor(s), their personal representatives or assigns is 6 months from the LOCATED: Dakota Address: 2215 Friendship Property date of sale. " THE TIME ALLOWED BY LAW FOR Ln, Burnsville, MN 55337-4276 Tax Parcel ID Number: REDEMPTION BY THE MORTGAGOR, T H E M O R T G A G O R ` S P E R S O N A L 02-27700-210-02 LEGAL DESCRIPTION OF PROPREPRESENTATIVES OR ASSIGNS, ERTY: Lot 21, Block 2 in Friendship MAY BE REDUCED TO FIVE WEEKS IF Acres, according to the recorded plat A JUDICIAL ORDER IS ENTERED thereof.

UNDER MINNESOTA STATUTES, AMOUNT DUE AND CLAIMED TO BE SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE D U E A S O F D A T E O F N O T I C E : M O R T G A G E D P R E M I S E S A R E $253,956.79 THAT all pre-foreclosure requireIMPROVED WITH A RESIDENTIAL D W E L L I N G O F L E S S T H A N F I V E ments have been complied with; that UNITS, ARE NOT PROPERTY USED IN no action or proceeding has been instiAGRICULTURAL PRODUCTION, AND tuted at law or otherwise to recover the debt secured by said mortgage, or any ARE ABANDONED." part thereof; that this is registered Dated: September 10, 2009 U.S. Bank N.A., in its capacity property; PURSUANT to the power of sale conas Trustee for the registered holders of Home Equity Asset t a i n e d i n s a i d m o r t g a g e , t h e T r u s t 2 0 0 4 - 7 , H o m e E q u i t y above-described property will be sold Pass-Through Certificates, by the Sheriff of said county as follows: Series 2004-7 DATE AND TIME OF SALE: August Randall S. Miller & Associates, P.C. A t t o r n e y s f o r A s s i g n e e o f 13, 2009 at 10:00 AM PLACE OF SALE: Dakota County Mortgage/Mortgagee One Financial Plaza, 120 South Sixth Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, MinneStreet, Suite 1100 sota Minneapolis, MN 55402 to pay the debt secured by said mortPhone: 612-573-3667 gage and taxes, if any, on said preOur File No. 09MN00036-1 mises and the costs and disburseTHIS IS A COMMUNICATION FROM ments, including attorney fees allowed A DEBT COLLECTOR. by law, subject to redemption within ASAP# 3251144 six (6) months from the date of said NOTICE OF POSTPONEMENT sale by the mortgagor(s), their perOF FORECLOSURE SALE The above referenced sale scheduled sonal representatives or assigns.

Mortgagor(s) released from financial for October 27, 2009 at 10:00 AM , has been postponed to November 24, 2009 obligation: NONE THIS COMMUNICATION IS FROM at 10:00 AM, located at Sheriffs Main Office, Law Enforcement Center, 1580 A DEBT COLLECTOR ATTEMPTING T O COLLECT A DEBT. ANY Highway 55, Hastings MN 55033-2343, INFORMATION OBTAINED WILL BE Dakota Minnesota USED FOR THAT PURPOSE. Dated: October 27, 2009 THE RIGHT TO VERIFICATION OF U.S. Bank N.A., in its capacity as Trustee for the registered THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE holders of Home Equity Asset Trust 2004-7,Home Equity TIME PROVIDED BY LAW IS NOT Pass-Through Certificates, AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR Series 2004-7 A t t o r n e y s f o r A s s i g n e e o f REDEMPTION BY THE MORTGAGOR, T H E MORTGAGOR'S PERSONAL Mortgage/Mortgagee REPRESENTATIVES OR ASSIGNS, Jennifer K. Fischer Randall S. Miller & Associates, P.C. MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED One Financial Plaza UNDER MINNESOTA STATUTES, 120 South Sixth Street, Suite 1100 SECTION 582.032, DETERMINING, Minneapolis, MN 55402 OTHER THINGS, THAT THE AMONG 612-573-3677 MORTGAGED PREMISES ARE Our File No. 09MN00036-1 P U R S U A N T T O T H E F A I R D E B T IMPROVED WITH A RESIDENTIAL COLLECTION PRACTICES ACT, YOU D W E L L I N G O F L E S S T H A N F I V E ARE ADVISED THAT THIS OFFICE IS UNITS, ARE NOT PROPERTY USED IN DEEMED A DEBT COLLECTOR ANY AGRICULTURAL PRODUCTION, AND INFORMATION OBTAINED WILL BE ARE ABANDONED. DATED: June 25, 2009 USED FOR THAT PURPOSE. THIS MORTGAGEE: Mortgage Electronic NOTICE IS REQUIRED BY THE PROVIRegistration Systems, Inc. SIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT AND DOES NOT Wilford & Geske, P.A. Attorneys for Mortgagee IMPLY THAT WE ARE ATTEMPTING TO COLLECT MONEY FROM ANYONE Lawrence A. Wilford WHO HAS DISCHARGED THE DEBT James A. Geske UNDER THE BANKRUPTCY LAWS OF 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 THE UNITED STATES. ASAP# 3322245 (651) 209-3300 NOTICE OF POSTPONEMENT File Number: 005056F01 OF FORECLOSURE SALE NOTICE OF POSTPONEMENT OF The above referenced sale scheduled MORTGAGE FORECLOSURE SALE for November 24, 2009 at 10:00 AM , The above referenced sale scheduled has been postponed to February 16, 2010 at 10:00 AM, located at Sheriff`s for August 13, 2009 at 10:00 AM has Main Office, Law Enforcement Center, been postponed to October 15, 2009 at 1 5 8 0 H i g h w a y 5 5 , H a s t i n g s M N 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, 55033-2343, Dakota Minnesota Lobby S-100, Hastings, Minnesota in Dated: November 24, 2009 U.S. Bank N.A.,in its capacity as said County and State.

DATED: August 13, 2009 Trustee for the registered MORTGAGEE: Mortgage Electronic holders of Home Equity Asset Registration Systems, Inc. Trust 2004-7,Home Equity P a s s - T h r o u g h C e r t i f i c a t e s , Wilford & Geske, P.A. S e r i e s 2 0 0 4 - 7 A t t o r n e y s f o r Attorneys for Mortgagee:

PUBLIC NOTICE

Assignee of Mortgage/Mortgagee

���������� �� ���� �����

��� �������� ��� ���� ������ ������ ������� FINANCIAL OBLIGATION GAGE: None ���������� ���� ��������� Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 005056F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 15, 2009 at 10:00 AM has been postponed to November 19, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: October 15, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 005056F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for November 19, 2009 at 10:00 AM has been postponed to January 07, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: November 19, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 005056F01 1986575 11/26/09

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: A u g u s t 2 7 , 2007 MORTGAGOR: G l e n W a c h o w i a k , a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Registered November 30, 2007, Dakota County Registrar of Titles, Document No. 620744, Certificate of Title No. 143928.

ASSIGNMENTS OF MORTGAGE: Assigned to: Chase Home Finance LLC, Dated: November 5, 2009.

Said Mortgage being Registered Land.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100131022700396025 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: American Mortgage Network, Inc. RESIDENTIAL MORTGAGE SERVICER: Chase Home Finance LLC MORTGAGED PROPERTY ADDRESS: 14355 Eveleth Avenue, Apple Valley, MN 55124 TAX PARCEL I.D.#: 01-66701-220-04 LEGAL DESCRIPTION OF PROPERTY: Lot twenty-two (22), Block four (4), in Scottsbriar 2nd Addition, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $212,500.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $227,235.36 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 27, 2010 at 10:00 AM PLACE OF SALE: S h e r i f f ' s O f f i c e , Law Enforcement Center, 1580 Hwy 55, Lobby #S-100, Hastings, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 27, 2010.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORT-

ON MORT

"THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL P R O D U C T I O N , A N D A R E ABANDONED." Dated: November 13, 2009.

Chase Home Finance LLC Mortgagee/Assignee of Mortgagee USSET, WEINGARDEN AND LIEBO, P.L.L.P. By: Paul A. Weingarden Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 30-7410 1980225984 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 1990348 11/26-12/31/09

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: October 26, 2004 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $124,950.00 MORTGAGOR(S): Trent Erlandson, an unmarried man MORTGAGEE: Wachovia Mortgage, FSB fka World Savings Bank, FSB DATE AND PLACE OF REGISTERING: Registered: February 15, 2005 Dakota County Registrar of Titles, Document Number: 559001 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Wachovia Mortgage, FSB fka World Savings Bank, FSB Residential Mortgage Servicer: Wachovia Mortgage, FSB Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 135245 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 13314 Court Pl, Burnsville, MN 55337-1899 Tax Parcel ID Number: 02-40600-030-06 LEGAL DESCRIPTION OF PROPERTY: Lot Three (3), Block Six (6), in JUDICIAL KNOLLS, according to the recorded plat thereof.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $148,414.81 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: September 25, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on March 25, 2010, or the next business day if March 25, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: August 13, 2009 MORTGAGEE: Wachovia Mortgage, FSB fka World Savings Bank, FSB Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006720F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE

MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for September 25, 2009 at 10:00 AM has been postponed to November 19, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: September 25, 2009 MORTGAGEE: Wachovia Mortgage, FSB fka World Savings Bank, FSB Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006720F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for November 19, 2009 at 10:00 AM has been postponed to December 17, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: November 19, 2009 MORTGAGEE: Wachovia Mortgage, FSB fka World Savings Bank, FSB Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006720F01 1986834 11/26/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 20, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $225,600.00 MORTGAGOR(S): Gregg A. Kegley and Renee C. Kegley, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: August 22, 2005 Dakota County Recorder, Document Number: 2353355 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100261495603033295 Lender or Broker: Great Northern Financial Group, Inc. Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 14668 Greenridge Ln, Burnsville, MN 55306-6919 Tax Parcel ID Number: 0207120206001 LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 1, Southcross Heights 3rd Addition AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $273,749.62 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 20, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: July 02, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 005668F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for August 20, 2009 at 10:00 AM has

for August 20, 2009 at 10:00 AM has been postponed to September 10, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: August 20, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 005668F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for September 10, 2009 at 10:00 AM has been postponed to November 19, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: September 10, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 005668F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for November 19, 2009 at 10:00 AM has been postponed to December 17, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: November 19, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 005668F01 1987016 11/26/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: April 18, 2002 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $383,920.00 MORTGAGOR(S): Matthew H. Wehling and Patricia Wehling, Husband and Wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: May 30, 2002, Dakota County Recorder, Document #: 1901030 ASSIGNMENTS OF MORTGAGE: And thereafter assigned to: Countrywide Home Loans, Inc. for the benefit of Hudson Savings Bank, Dated: April 19, 2006, Recorded: April 25, 2006, Document #: 2423050 And thereafter assigned to: Countrywide Home Loans Servicing, LP, Dated: February 5, 2009 Transaction Agent : Mortgage Electronic Registration Systems, Inc Transaction Agent Mortgage Identification Number: 100015700009614021 Lender or Broker : America's Wholesale Lender Residential Mortgage Servicer : Countrywide Home Loans Mortgage Originator : Not Applicable LEGAL DESCRIPTION OF PROPERTY: Lot 8, Block 4, Evermoor, Dakota County, Minnesota COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address : 13223 Danube Ave Rosemount, MN 55122 Tax Parcel ID No : 34 25100 080 04 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $375,796.99 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: April 9, 2009, 10:00 A.M. PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, MN to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorneys fees allowed by law, subject to redemption within 6 months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE

RESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. Dated: February 19, 2009 Countrywide Home Loans Servicing, LP Assignee of Mortgagee Wilford & Geske Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 7650 Currell Boulevard Suite 300 Woodbury, Minnesota 55125 (651)209-3300 File ID: 054975-60541 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for April 9, 2009, at 10:00 A.M., has been postponed to May 7, 2009, at 10:00 A.M. in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, MN, in said County and State.

Dated: April 9, 2009 Countrywide Home Loans Servicing, LP. Assignee of Mortgagee Wilford & Geske, PA Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 7650 Currell Blvd., Suite 300 Woodbury, MN 55125 (651)209-3300 Client ID: 60541 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for May 7, 2009, at 10:00 A.M., has been postponed to June 18, 2009, at 10:00 A.M. in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, MN, in said County and State.

Dated: May 7, 2009 Countrywide Home Loans Servicing, LP Assignee of Mortgagee Wilford & Geske, PA Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 7650 Currell Blvd., Suite 300 Woodbury, MN 55125 (651)209-3300 Client ID: 60541 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for June 18, 2009 at 10:00 am has been postponed to August 6, 2009 at 10:00 am at the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, in said County and State.

Dated: June 17, 2009 Countrywide Home Loans Servings, LP Assignee of Mortgage Wilford & Geske Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 seasons parkway suite 105 Woodbury, MN 55125 (651) 209-3300 Client ID: 60541 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for August 6, 2009 at 10:00 a.m. has been postponed to September 17, 2009 at 10:00 a.m. at the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, in said County and State.

Dated: August 6, 2009 Countrywide Home Loans Servicing, LP Assignee of Mortgagee Wilford & Geske, PA Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125 (651)209-3300 Client ID: 60541 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for September 17, 2009, at 10:00 A.M., has been postponed to October 22, 2009, at 10:00 A.M. at the Dakota County Law Enforcement Center 1580 Highway 55, Lobby S-100, Hastings, MN, in said County and State.

Dated: September 17, 2009 Countrywide Home Loans Servicing, LP Assignee of Mortgagee Wilford & Geske, PA Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125 (651)209-3300 Client ID: 60541 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 22, 2009, at 10:00 A.M., has been postponed to November 19, 2009, at 10:00 A.M. at the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, MN, in said County and State.

Dated: October 22, 2009 Countrywide Home Loans Servicing, LP Assignee of Mortgagee Wilford & Geske, PA Attorneys for Assignee of Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105

8425 Seasons Parkway, Suite 105 Woodbury, MN 55125 (651)209-3300 Client ID: 60541 Notice of Postponement of Mortgage Foreclosure Sale The above referenced sale scheduled for November 19, 2009 at 10:00 A.M. has been postponed to January 14, 2010 at 10:00 A.M. at the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, MN, in said County and State.

Dated: November 19, 2009 BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP Assignee of Mortgagee Wilford & Geske Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File ID: 60541 1987319 11/19/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: May 14, 2008 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $232,750.00 MORTGAGOR(S): Chelsea A. Finnelly and Jarod M. Finnelly, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: May 28, 2008 Dakota County Recorder, Document Number: 2593203 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100020000450774017 Lender o r B r o k e r : B u r n e t H o m e Loans Residential Mortgage Servicer: Countrywide Home Loans, Inc. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 6525 Street West, Apple Valley, MN 55124 Tax Parcel ID Number: 01-38950-020-01 LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 1, Jolene Addition, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $238,567.53 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; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: June 11, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: April 23, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 7650 Currell Blvd Ste 300 Woodbury, MN 55125-8209 651-209-3300 File Number: 003430F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for June 11, 2009 at 10:00 AM has been Postponed to July 16, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: June 11, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee:

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DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY November 26, 2009

y g g Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 003430F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for July 16, 2009, 2009 at 10:00 AM has been postponed to December 03, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: October 15, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 003430F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for December 03, 2009 at 10:00 AM has been postponed to February 04, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: December 03, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 003430F01 1990180 11/26/09

PUBLIC NOTICE NOTICE OF MORTGAGE

FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: June 28, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $256,800.00 MORTGAGOR(S): Richard J. Reiter, single MORTGAGEE: Mortgage Electronic Registration Systems, Inc. DATE AND PLACE OF RECORDING: Recorded: July 26, 2007 Dakota County Recorder, Document Number: 2533210 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 123000000020196010 Lender or Broker: Drake Bank Residential Mortgage Servicer: BAC Home Loans Servicing, L.P. Mortgage Originator: Not Applicable COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 19948 Butternut Trl, Farmington, MN 55024-1475 Tax Parcel ID Number: 122450009904 LEGAL DESCRIPTION OF PROPERTY: Lot 99, Block 4, Empire River Preserve AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $273,958.09 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: August 27, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006066F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for August 27, 2009 at 10:00 AM has been postponed to October 08, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: August 27, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006066F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 08, 2009 at 10:00 AM has been postponed to November 19, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: October 08, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006066F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for November 19, 2009 at 10:00 AM has been postponed to January 14, 2010 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: November 19, 2009 MORTGAGEE: Mortgage Electronic Registration Systems, Inc. Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 006066F01 1986588 11/26/09

PUBLIC NOTICE NOTICE OF

MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 19, 2007 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $196,100.00 MORTGAGOR(S): James A Mesnik, an unmarried man MORTGAGEE: Wachovia Mortgage, FSB fka World Savings Bank, FSB DATE AND PLACE OF REGISTERING: Registered: July 31, 2007 Dakota County Registrar of Titles, Document Number: 614950 Transaction Agent: Not Applicable Transaction Agent Mortgage Identification Number: Not Applicable Lender or Broker: Wachovia Mortgage, FSB fka World Savings Bank, FSB Residential Mortgage Servicer: Wachovia Mortgage, FSB Mortgage Originator: Not Applicable CERTIFICATE OF TITLE NUMBER: 122577 COUNTY IN WHICH PROPERTY IS LOCATED: Dakota Property Address: 4790 Babcock Trl, Inver Grove Heights, MN 55077-1208 Tax Parcel ID Number: 20-02910-020-79 LEGAL DESCRIPTION OF PROPERTY: All that part of the South half of the Southeast Quarter (S 1/2 of SE 1/4) of Section 29, Township 28W, Range 22W, of the 4th C.M. described as follows, to-wit: Commencing at the northeast corner of the said South half of the Southeast Quarter (S 1/2 of SE 1/4) of Section 29; thence westerly along the north line of said South half of the Southeast Quarter (S 1/2 of SE 1/4) of Section 29 a distance of 217 feet to a point; thence southerly and at an angle of 90 degrees with said north line a distance of 75 feet to a point, said point being the point of beginning of the land to be herein described and hereby conveyed; from said point of beginning, continue southerly along the line of the last above mentioned course (namely along the line running southerly and at an angle of 90 degrees to the north line of said South half of the Southeast Quarter (S 1/2 of SE 1/4) of Section 29) a distance of 124 feet; thence southwesterly a distance of 216.70 feet, more or less, to a point in the center line of Oakdale Avenue, which point is 353.69 feet southeasterly along the center line of said Oakdale Avenue from the point of intersection of said Oakdale Avenue with the north line of said South half of the Southeast Quarter (S 1/2 of SE 1/4) of Section 29; thence northwesterly along the center line of said Oakdale Avenue a distance of 125.33 feet to a point; thence northeasterly 285.08 feet, more or less to the point of beginning; all according to the Government Survey thereof, and the Judicial Land Survey filed in File 48317 in Clerk of District Court's Office, Dakota County, Minnesota.

AMOUNT DUE AND CLAIMED TO BE

DUE AS OF DATE OF NOTICE: $220,657.63 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; that this is registered property; PURSUANT to the power of sale contained in said mortgage, the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: October 08, 2009 at 10:00 AM PLACE OF SALE: Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.

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

Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 08, 2010, or the next business day if April 08, 2010 falls on a Saturday, Sunday or legal holiday.

Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. DATED: August 20, 2009 MORTGAGEE: Wachovia Mortgage, FSB fka World Savings Bank, FSB Wilford & Geske, P.A. Attorneys for Mortgagee Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007340F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 08, 2009 at 10:00 AM has been postponed to October 22, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: October 08, 2009 MORTGAGEE: Wachovia Mortgage, FSB fka World Savings Bank, FSB Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007340F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for October 22, 2009 at 10:00 AM has been postponed to November 19, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: October 22, 2009 MORTGAGEE: Wachovia Mortgage, FSB fka World Savings Bank, FSB Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007340F01 NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE The above referenced sale scheduled for November 19, 2009 at 10:00 AM has been postponed to December 18, 2009 at 10:00 AM in the Dakota County Law Enforcement Center, 1580 Highway 55, Lobby S-100, Hastings, Minnesota in said County and State.

DATED: November 19, 2009 MORTGAGEE: Wells Fargo Bank, N.A. successor by merger to Wells Fargo Bank Southwest, N.A. formerly known as Wachovia Mortgage, FSB fka World Savings Bank, FSB Wilford & Geske, P.A. Attorneys for Mortgagee: Lawrence A. Wilford James A. Geske 8425 Seasons Parkway, Suite 105 Woodbury, MN 55125-4393 (651) 209-3300 File Number: 007340F01 1986893 11/26/09

43A

Sterner to host jobs, business roundtable in Apple Valley Legislative leaders and Chamber members to discuss job climate, small business development A quartet of state lawmakers will visit the south metro in mid-December to join a local legislator to focus on Minnesota’s job market and small business climate.

State Rep. Phil Sterner and the Apple Valley Chamber of Commerce will be hosting a roundtable discussion with local business owners and Chamber members on Monday, Dec. 14 at 9:30 a.m. at Old Chicago Restaurant in Apple Valley.

Along with Sterner, guests will include Speaker of the House Margaret Anderson Kelliher; Majority Leader Tony Sertich; Rep. Alice Hausman, chair of the Capital Investment Committee; and Rep. Joe Atkins, chair of the Commerce and Labor Committee. “Now more than ever, Minnesota’s economic health depends on the strength of the small businesses that are Minnesota’s largest job creators,� said Sterner, a recent appointee to the House Jobs Task Force and a member of the Small Business Caucus. “The ability of small business to adapt and thrive in the midst of a faltering economy and rapidly changing market conditions will determine how quickly Minnesota begins an economic recovery. Inviting area business owners who are on the front lines every day to share their ideas and challenges will be extremely helpful as we work to craft business-friendly, pro-jobs policies that will move Minnesota from recession to recovery.�

Sterner, a longtime member and ambassador for the Apple Valley Chamber, said the format of the event will be informal, informative and interactive. The panel will provide a brief overview of anticipated issues expected to be on the agenda during the upcoming Legislative Session and how they might impact small businesses and the Minnesota job market. After that, the floor will be open for questions from audience members.

The Jobs Task Force has been meeting throughout the legislative interim, and will be refining policy initiatives for the next legislative session aimed at stimulating Minnesota’s job market.

Capital Investment Chair Hausman, who also serves as co-chair of the Task

Phil Sterner, DFL-Rosemount, will host a business roundtable in Apple Valley in December.

Force will steer the creation of the bonding bill, widely seen in recent years as an economic stimulus and jobs bill. “Bonding projects are universally accepted one of the best ways that government can stimulate the economy and disrupt a downward economic spiral,� said Hausman. “A bonding bill that focuses on projects that can get underway quickly ‘paint-brush and shovel-ready’ can play a significant role in getting people back to work, moving our economy forward and strengthening our competitive edge.�

Sterner added: “We’ve seen throughout history that times of crisis have provided opportunities for significant and positive change. A constructive dialogue like this between small businesses, local Chambers of Commerce, and policymakers in St. Paul provides a unique opportunity to change the focus of business policy in Minnesota that can help move us from recession to recovery.�

For more information about the event, contact Sterner’s office at (651) 296-4306 or at rep.phil.sterner@house.mn or visit his legislative Web site at http://www. house.leg.state.mn.us/members/members. asp?id=15309.

You may also visit the Apple Valley Chamber of Commerce Web site at www. applevalleychamber.com.

Life Wellness challenges people help those in need this season Life Wellness Center is teaming up with the Community Action Council and the Armful of Love to help bring toys, food and other much needed supplies to these families.

During the next few weeks, Life Wellness Center will be collecting donated unwrapped toys, canned foods, soap products, diapers and other non-perishable products at their location in Lakeville. “We understand that there are many charities collecting for other organizations, especially at this time of the year,� said Dr. Tom Schmidt; chiropractor and clinic director of Life Wellness Center, “but we also

know that everyone must do their part, no matter how big or small, in helping those in need.�

That is why Life Wellness is challenging patients, friends and family members to “step up and help out.�

To make it more interesting, Life Wellness Center wants to reward those who help contribute by having a contest. For every item brought into their clinic, that person’s name will be entered into a drawing for a free one hour massage. The more you donate, the more entries you receive to win. “We want to give to those who are willing to give as well,� Schmidt said. “Not many people expect

something for free these days, and we want to show them that we do. Life Wellness Center has always been about giving back to the community that continues to help make it a leader in the south metro for wellness care.�

They will be accepting donations through Monday, Dec. 14.

Make donations at Life Wellness Center 10551 165th St. W. in Lakeville in the second set of office townhomes, about a block east of the Harley-Davidson dealership.

For questions, contact Jeff Guille at (952) 4355300 or visit the Web site www.lifewellnesscenter.net.

44A

November 26, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

Photo by Jeff

Achen The bears at the Minnesota Zoo’s newest exhibit, Russia’s Grizzly Coast, are one of the also but land, on life s’ main attractions that the zoo promotes.

The Minnesota Zoo offers visitors a glimpse of not only animal underwater.

Photo by Jeff Achen

Zoo from Front Page

professionals that spans various industries. Mahn has his finger on the pulse of social media marketing in the area and acknowledges that what the zoo has done in hiring a full-time position is part of a recent trend.

“It is unique. It gets less unique month by month,” he said. “Usually it’s larger companies, but we are starting to see state agencies and nonprofits doing it too.”

He said he doesn’t know of any state entities that have designated or hired a full-time position for social media, but that it’s likely there are some, and he knows many have tasked existing staff with managing social media for their respective organizations.

Von Bank said the zoo realized that in order to become a top-10 zoo it needed to engage its audiences and target its demographic, namely moms.

“We’re starting to see through the analytics of Facebook the engagement between that core demographic,” Von Bank said. “We wanted to hire somebody that could actually operate (the Facebook page) as part of a marketing tool for the zoo and not for us just to post something and leave it alone.”

That engagement is turning into results.

Not only has the zoo gained

More info Visit www.thisweeklive.com to read the Minnesota Zoo’s job description for the fulltime social media coordinator as originally posted. more than 3,500 followers on Twitter since starting in March 2009 and nearly as many followers with 3,240 fans on the zoo’s Facebook fan page, it’s engaging directly with them as well.

Over the past two months, Von Bank said, people are posting their pictures more regularly. Every post, he said, gets a handful of “like” clicks, mentions or responses. Benson said the core of their following is people living in the state, many of them moms who enjoy taking their children to the zoo.

“It’s been really encouraging to see how people are engaging with it,” Benson said.

Benson’s social media strategy is about getting stories out about its animals, sharing their education and conservation messages and developing future programs through social media.

“We’re learning from our core demographic,” Von Bank said. “My whole purpose with social media is to develop our relationship between people and the zoo.”

Benson’s work is part of a team effort. The marketing team also includes a public relations specialist, a webmaster, a special events manager, and two sales positions – a sales manager and account executive. But, it’s the social media position that’s a new element in the traditional marketing team.

“If it’s not part of any organi-

z a t i o n’s PR mix, it should be,” Von Bank said.

Von Bank is expecting to see an explosion of social media jobs in businesses and organizations.

Of course, another function of public relations has traditionally been crisis management, and social media must factor in.

Von Bank said he understands how quickly information can travel, particularly on social media sites, and says the zoo will always remain committed to clarifying inaccuracies and addressing the public with the most accurate information.

Benson said social media will allow the zoo to keep its eyes and ears open to what the public may be buzzing about, including a bad experience.

“The reality is they’re out there.

If people have a negative experience certainly we’re sorry to hear that, but you also want to clarify inaccuracies,” Von Bank said.

Fortunately, the zoo tends to have fewer public relations nightmares and more cute and cuddly “photo ops.” Von Bank sees Benson’s job as ambassador building.

“Social media isn’t going away, traditional media isn’t going away, but somehow blending those two together ... the success already of the engagement with social media and Facebook has been well worth it,” he said.

Jeff Achen is at online.thisweek@ ecm-inc.com. Follow him on Twitter @jeffachen.