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: October 7, 2004

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $129,977.77

MORTGAGOR(S): Jennifer R. Young And Thomas E. Young, wife and husband

MORTGAGEE: Beneficial Loan and Thrift Co., a Minnesota corporation

DATE AND PLACE OF FILING: Recorded on October 11, 2004 in the Office of the Fillmore County Recorder as Document Number 342448.

ASSIGNMENTS OF MORTGAGE: Assigned to: None.

LEGAL DESCRIPTION OF PROPERTY:

The North 31 feet of Lot 11 and all of Lot 12, Block 2, of Larson`s Third Addition to the Village (now City) of Harmony.

STREET ADDRESS OF PROPERTY:

210 1ST AVE SE, HARMONY, MN 55939

COUNTY IN WHICH PROPERTY IS LOCATED: Fillmore County, Minnesota

THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $154,349.39

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: September 12, 2013 at 10:00 AM

PLACE OF SALE: Fillmore County Sheriff`s office, Courthouse Square, 101 Fillmore Street, Preston, Minnesota

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 Six (6) months from the date of sale.

Unless said mortgage is reinstated or the property redeemed, or unless the time for redemption is reduced by judicial order, you must vacate the premises by 11:59 p.m. on March 12, 2014.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: Thomas E. Young and Jennifer R. Young

"THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR`S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, 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 22, 2013

BENEFICIAL LOAN AND THRIFT CO.,

A MINNESOTA COMPANY

Mortgagee

SCHILLER & ADAM, P.A.

By: /s/ Rebecca F. Schiller, Esq.

Sarah J.B. Adam, Esq.

N. Kibongni Fondungallah, Esq.

James J. Pauly, Esq.

Steven R. Pennock, Esq.

Curt N. Trisko, Esq.

Jeffrey D. Klobucar, Esq.

Attorneys for Mortgagee

The Academy Professional Building

25 North Dale Street

St. Paul, MN 55102

(651) 209-9760

(13-3565-FC01)

THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.

NOTICE OF MORTGAGE FORECLOSURE SALE

FORECLOSURE DATA

Minn. Stat. § 580.025

(1) Street Address, City and Zip Code of Mortgaged Premises

210 1ST AVE. SE

HARMONY, MN 55939

(2) Transaction Agent

Beneficial Loan and Thrift Co., a Minnesota corporation

(3) Name of Mortgage Originator (Lender)

Beneficial Loan and Thrift Co., a Minnesota corporation

(4) Residential Servicer

HSBC Consumer Lending Mortgage Services

(5) Tax Parcel Identification Number

R15.0300.000

(6) Transaction Agent's Mortgage ID Number (MERS number)

None.

7/25, 8/1, 8/8, 8/15, 8/22, 8/29