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NOTICE OF MORTGAGE FORECLOSURE SALE

Wednesday, November 21, 2012 - 12:00am

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: February 27, 2004

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $156,600.00

MORTGAGOR(S): Vernon E. Bray,

a single person

MORTGAGEE: Citizens Community Federal

DATE AND PLACE OF FILING: May 4, 2004, Office of the County Recorder for Washington County, Minnesota, as Document #3438588

ASSIGNMENTS OF MORTGAGE: N/A

LEGAL DESCRIPTION OF PROPERTY: Lot 15, Block 1, Oneka Lake View East, Washington County, Minnesota

TAX PARCEL NO.: 20.031.21.11.0055

STREET ADDRESS OF PROPERTY: 14912 Glenbrook Ave., Hugo, MN 55038

COUNTY IN WHICH PROPERTY IS LOCATED: Washington County, Minnesota

THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $136,815.61

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: January 9, 2013 at 10:00 a.m.

PLACE OF SALE: Washington County Sheriff's Office, Law Enforcement Center, 15015 62nd Street North, Stillwater, MN 55082

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 July 9, 2013.

"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 6, 2012

CITIZENS COMMUNITY FEDERAL

By: /s/ Mark J. Rahrick

Mark J. Rahrick

SMITH, TOLLEFSON & RAHRICK

108 W. Park Square, Suite A

P.O. Box 271

Owatonna, MN 55060

Phone: (507) 451-6540

Attorney Reg. No. 252402

ATTORNEYS FOR CITIZENS COMMUNITY FEDERAL, MORTGAGEE, AND ON BEHALF OF CITIZENS COMMUNITY FEDERAL

THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.

11/21-12/26/2012


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