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NOTICE OF MORTGAGE FORECLOSURE SALE NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 30, 2020 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $145,403.00 MORTGAGOR(S): Kristina Joanne Lopez, a single person MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for North Shore Bank of Commerce its successors and assigns DATE AND PLACE OF RECORDING: Recorded: October 7, 2020 St. Louis County Registrar of Titles Document Number: 1030083.0 ASSIGNMENTS OF MORTGAGE: And assigned to: U.S. Bank National Association Dated: April 15, 2022 Recorded: April 15, 2022 St. Louis County Registrar of Titles Document Number: 1055583.0 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1003820-0000056150-2 Lender/Broker/Mortgage Originator: North Shore Bank of Commerce Residential Mortgage Servicer: U.S. Bank National Association CERTIFICATE OF TITLE NUMBER: 353769.0 COUNTY IN WHICH PROPERTY IS LOCATED: St. Louis Property Address: 417 97th Ave W, Duluth, MN 55808 Tax Parcel ID Number: 010-3430-06390 LEGAL DESCRIPTION OF PROPERTY: Lot 7 Block 20 NEW DULUTH FIRST DIVISION Lot 8 Block 20 NEW DULUTH FIRST DIVISION Lot 9 Block 20 NEW DULUTH FIRST DIVISION, St. Louis County, Minnesota AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $144,376.63 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; that this is registered property; 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: October 26, 2022 at 10:00 AM PLACE OF SALE: County Sheriff`s office, 100 North Fifth Avenue West, Room 103, Duluth, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns. If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on April 25, 2023, or the next business day if April 25, 2023 falls on a Saturday, Sunday or legal holiday. Mortgagor(s) released from financial obligation: NONE THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 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. 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: September 2, 2022 MORTGAGEE: U.S. Bank National Association Wilford, Geske & Cook, P.A. Attorneys for Mortgagee 7616 Currell Boulevard, Suite 200 Woodbury, MN 55125 (651) 209-3300 File Number: 051535-F1 (Sept. 7, 14, 21 & 28; Oct. 5 & 12, 2022) 99388