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 12, 2007

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $101,300.00

MORTGAGOR(S): Dwight O. Mathison and Teresa M. Mathison

MORTGAGEE: Mortgage Electronic Registration Systems, Inc.

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc.

MIN#: 100259300000010256

LENDER: Home Federal Savings Bank

SERVICER: Saxon Special Servicing

DATE AND PLACE OF FILING: Filed July 19, 2007, Fillmore County Recorder, as Document Number 359785

ASSIGNMENTS OF MORTGAGE: Assigned to: Saxon Mortgage Services, Inc.; Dated: July 1, 2011

LEGAL DESCRIPTION OF PROPERTY:

Lot 3, Block 4, Mlinar's First Addition to the City of Spring Valley

PROPERTY ADDRESS: 109 E Fairview, Spring Valley, MN 55975

PROPERTY IDENTIFICATION NUMBER: 36 0910 020

COUNTY IN WHICH PROPERTY IS LOCATED: Fillmore

THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $105,350.93

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: March 22, 2012, 10:00am

PLACE OF SALE: Sheriff's Main Office, Main Lobby of Courthouse, Courthouse Square, Preston, MN 55965

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.

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 September 24, 2012.

"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: January 9, 2012

Saxon Mortgage Services, Inc.

Assignee of Mortgagee

SHAPIRO & ZIELKE, LLP

BY

Lawrence P. Zielke - 152559


Diane F. Mach - 273788


Melissa L. B. Porter - 0337778


Randolph W. Dawdy 2160X


Ronald W. Spencer - 0104061


Stephanie O. Nelson - 0388918


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.

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