THE 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 6, 2007

MORTGAGOR: Tammy Anderson and Mark L. Anderson, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc..

DATE AND PLACE OF RECORDING: Recorded June 26, 2007 Goodhue County Recorder, Document No. A 546203.

ASSIGNMENTS OF MORTGAGE: Assigned to: PNC Bank, National Association.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc.

TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 100049700008998953

LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: AFS Financial, Inc.

RESIDENTIAL MORTGAGE SERVICER: PNC Bank, National Association

MORTGAGED PROPERTY ADDRESS: 32329 Lakeview Drive, Lake City, MN 55041

TAX PARCEL I.D. #: 32.200.0520 and 32.205.0120

LEGAL DESCRIPTION OF PROPERTY:

Parcel 1: That part of Lots 47 and 48 of Auditors Subdivision of Central Point described as follows: Beginning at an iron pipe on a line run parallel with and distant 18 feet southwesterly of the centerline of the old Red Wing and Lake City road distant 397.3 feet northwesterly of its intersection with the south line of said Lot 48, thence run northwesterly parallel with the center line of said road for 150 feet to an iron pipe, thence run southwesterly at right angles to said last described line for 300 feet, thence run southeasterly parallel to said road for 150 feet; thence run northeasterly 300 feet to the place of beginning. Excepting therefrom the right of way of the existing highway. All according to the plats thereof on file or of record in the office of the Register of Deeds for said County and State.

Parcel 2: Outlot G, Giesler Lakeview Lots according to the plat thereof on file and of record in the Office of the County Recorder for Goodhue County, Minnesota.

COUNTY IN WHICH PROPERTY IS LOCATED: Goodhue

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $162,000.00

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $179,851.35

That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof;

PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows:

DATE AND TIME OF SALE: January 2, 2013 at 3:00 PM

PLACE OF SALE: Sheriff's Office, Main Lobby of the Law Enforcement Center, 430 West 6th Street, Red Wing, 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 2, 2013 unless that date falls on a weekend or legal holiday, in which case it is the next weekday, and unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None

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

Dated: October 30, 2012

PNC Bank, National Association

Mortgagee/Assignee of Mortgagee

USSET, WEINGARDEN AND LIEBO, P.L.L.P.

Attorneys for Mortgagee/Assignee of Mortgagee

4500 Park Glen Road #300

Minneapolis, MN 55416

(952) 925-6888

4 - 12-005363 FC

THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.

11/8, 11/15, 11/22, 11/29, 12/6, 12/13