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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: April 23, 2014 NOTICE IS HEREBY GIVEN THAT: Default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: February 6, 2003 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $60,800.00 MORTGAGOR(S): Phillip H. Norrgard, a married man, and Lorraine E. Norrgard, his wife, which mortgage was modified and assumed pursuant to a Loan Modification and Substitution of Borrowers Agreement, recorded February 4, 2005 as Document No. 00972363 by and among Phillip H. Norrgard and Lorraine E. Norrgard, North Shore Bank of Commerce and Jonathan Arlen Stensland MORTGAGEE: North Shore Bank of Commerce DATE AND PLACE OF FILING: February 25, 2003, in the office of the St. Louis County Recorder, as Document No. 887674, as modified of record ASSIGNMENTS OF MORTGAGE: None LEGAL DESCRIPTION OF PROPERTY: The Southerly 60 Feet of Lot 384, Block 76, DULUTH PROPER SECOND DIVISION COUNTY IN WHICH PROPERTY IS LOCATED: St. Louis County, Minnesota STREET ADDRESS, CITY AND ZIP CODE OF MORTGAGED PREMISES: 116 North 24th Ave. West, Duluth, MN 55806 TRANSACTION AGENT; RESIDENTIAL MORTGAGE SERVICER; AND LENDER OR BROKER: North Shore Bank of Commerce TAX PARCEL IDENTIFICATION NUMBER: 010-1140-1680 TRANSACTION AGENT'S MORTGAGE ID NUMBER (MERS NUMBER): None NAME OF MORTGAGE ORIGINATOR: North Shore Bank of Commerce THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $51,348.40 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 St. Louis County as follows: DATE AND TIME OF SALE: Tuesday, June 24, 2014 at 10:00 a.m. PLACE OF SALE: St. Louis County Sheriff's Office, 100 N. 5th Avenue W., Rm 103, Duluth, MN 55802 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 reduced to five (5) weeks under Minnesota Statutes §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 Minnesota Statutes §580.30 or the property is not redeemed under Minnesota Statutes §580.23, is 11:59 p.m. on December 24, 2014. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: Phillip H. Norrgard and Lorraine E. Norrgard. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR(S), 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. NORTH SHORE BANK OF COMMERCE By /s/ Paul A. Loraas Paul A. Loraas, #249592 Fryberger, Buchanan, Smith & Frederick, P.A. 302 West Superior Street, Suite 700 Duluth, Minnesota 55802-1863 (218) 722-0861 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. Budge: 04/27,05/04,05/11,05/18, 05/25,06/01/2014