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NOTICE OF MORTGAGE FORECLOSURE SALE

Wednesday, July 1, 2009 - 9:15am

NOTICE OF MORTGAGE FORECLOSURE SALE

THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF 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: November 15,2004

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $65,600.00

MORTGAGOR(S): Jenney L. Esterby, A Single Woman

MORTGAGEE: Mortgage Electronic Registration Systems, Inc.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. MIN#: 100155400000170434

LENDER: Michigan Fidelity Acceptance Corp dba Franklin Mortgage Funding

SERVICER: EMC Mortgage Corporation

DATE AND PLACE OF FILING: Filed March 17, 2005, Goodhue County Recorder, as Document Number A 516589

LEGAL DESCRIPTION OF PROPERTY:

All that part of Lot 10, in Block 1 of Freeborn& Co.'s Addition to the City of Red Wing, Goodhue County, Minnesota, described as follows: Commencing on the Southerly line of Ninth Street at an iron monument opposite cut in cement walk, at a point 11 feet 9 inches Westerly from the Northeast corner of said Lot 10 for place of beginning, which place of beginning is 57 feet Westerly from the Intersection of Southerly line of Ninth Street with westerly line of South Park Street as now laid out and established with cement walks, the inside of the cement walks being laid 1 foot from the Street line; thence run Southeasterly parallel to Westerly line of South Park Street and 57 feet distant therefrom 100 feet and 9 inches to iron monument; thence run Southwesterly and parallel to Southerly line of Ninth Street 56 1/4 feet more of less, to center of said Lot 10; thence Northwesterly along center line of said Lot 100 feet and 9 inches to Southerly line of Ninth Street; thence Northeasterly along Southerly line of Ninth Street 56 1/4 feet more of less to place of beginning.

PROPERTY ADDRESS: 445 9Th Street, Red Wing, MN 55066

PROPERTY IDENTIFICATION NUMBER: 55-180-0190

COUNTY IN WHICH PROPERTY IS LOCATED: Goodhue

THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $66,899.94

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: October 7,2009,2:00pm

PLACE OF SALE: Sheriffs Main Office, 430 West 6th St, Red Wing, MN 55066

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) the personal representatives or assigns.

"THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES SECTION 582.032 DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN 5 UNITS, ARE NOT PROPERTY USED FOR AGRICULTURAL PRODUCTION, AND ARE ABANDONED.

Dated: June 26,2009

Mortgage Electronic Registration Systems, Inc. Mortgagee

SHAPIRO, NORDMEYER & ZIELKE, LLP BY

Lawrence P. Zielke - 152559 Diane F. Mach - 273788 Kristine M. Spiegelberg - 308845 Melissa L. Baldridge Porter - 0337778 Attorneys for Mortgagee 12550 West Frontage Road, Ste. 200 Burnsville, MN 55337 (952)831-4060

PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, YOU ARE ADVISED THAT THIS OFFICE IS DEEMED TO BE A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. This NOTICE is required by the provisions of the Fair Debt Collection PRACTICES Act and does not imply that we are attempting to COLLECT money from anyone who has discharged the debt UNDER the Bankruptcy Laws of the United States.

(July 1, 18, 15, 22, 29, Aug. 5)