Published March 03, 2011, 08:00 AM

NOTICE OF MORTGAGE FORECLOSURE SALE - Kedrowski

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.

Date: February 22, 2011

NOTICE IS HEREBY GIVEN THAT:

1. Default has occurred in the conditions of the following described mortgage:

DATE OF MORTGAGE: October 19, 2007

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $32,000.00

MORTGAGOR(S): Charles H. Kedrowski, a single person

MORTGAGEE: Grand Timber Bank

DATE AND PLACE OF FILING: November 2, 2007 as Document No. A000413614, as modified of record, with the Carlton County Recorder (Minnesota).

ASSIGNMENTS OF MORTGAGE: None

LEGAL DESCRIPTION OF PROPERTY:

The North Half of the Southwest Quarter of the Southwest Quarter (N½ - SW¼ - SW¼) of Section Two (2), Township Forty-eight (48), Range Twenty (20).

EXCEPT the following: Beginning at a point on the west line of said N½ - SW¼ - SW¼, 300 feet south of the northwest corner of said N½ - SW¼ - SW¼; thence North along the west line of said N½ - SW¼ - SW¼, to the northwest corner of said N½ - SW¼ - SW¼; thence East along the north line of said N½ - SW¼ - SW¼, a distance of 345 feet; thence South parallel to the west line of said N½ - SW¼ - SW¼, a distance of 340 feet; thence on a straight line in a Northwesterly direction to the point of beginning.

Carlton County, Minnesota

(Abstract)

COUNTY IN WHICH PROPERTY IS LOCATED: Carlton County, Minnesota

THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $33,585.15

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 Carlton County as follows:

DATE AND TIME OF SALE: Tuesday, April 26, 2011 at 10:00 a.m.

PLACE OF SALE: Carlton County Sheriff's Office, Carlton, Minnesota 55718

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, his personal representatives or assigns is six (6) months from the date of sale, unless reduced to five (5) weeks under Minnesota Statutes, Section 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 October 26, 2011.

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.

GRAND TIMBER BANK

By /s/ Dehlia c. Seim

Dehlia C. Seim

Attorney Registration #0339064

Fryberger, Buchanan, Smith & Frederick, P.A.

302 West Superior Street, Suite 700

Duluth, Minnesota 55802-1863

(218) 722-0861

THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

NOTICE OF MORTGAGE FORECLOSURE SALE FORECLOSURE DATA

(1) Street Address, city and zip code of mortgaged premises: 1460 Swede Lake Road, Cromwell, MN 55726

(2) Transaction agent; residential mortgage servicer; and lender or broker: Grand Timber Bank

(3) Tax parcel identification number: 90-010-0282

(4) Transaction Agent's mortgage ID number (MERS number): None

(5) Name or mortgage originator: Grand Timber Bank

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