NOTICE OF MORTGAGE

FORECLOSURE SALE

NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage:

DATE OF MORTGAGE: MARCH 21, 2018

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $32,000.00

MORTGAGOR(S): JEFFREY KOCHER AND JENNIFER KOCHER, HUSBAND AND WIFE

MORTGAGEE: LOWRY STATE BANK

DATE AND PLACE OF RECORDING: MARCH 21, 2018; OFFICE OF THE POPE COUNTY RECORDER, MINNESOTA

DOCUMENT NUMBER: 273324

LEGAL DESCRIPTION:

Lot 4, Block 10, City of Cyrus; according to the recorded plat thereof on file in the office of the Pope County Recorder.

COUNTY IN WHICH THE PROPERTY LOCATED: POPE

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $31,521.24

THAT prior to the commencement of this mortgage foreclosure proceeding Mortgagee complied with all notice requirements as required by statute;

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: May 25, 2021, 10:00 A.M.

PLACE OF SALE: 130 EAST MINNESOTA AVENUE, GLENWOOD, MN 56334

to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney’s 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.

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 or the time for redemption is not reduced by judicial order, is 11:59 p.m. on November 25, 2021. If the foregoing date is a Saturday, Sunday or legal holiday, then the date to vacate is the next business day at 11:59 p.m.

AT THE TIME OF THE COMMENCEMENT OF SAID MORTGAGE FORECLOSURE PROCEEDINGS, SAID LAND WERE NOT AGRICULTURAL LANDS AS DEFINED BY THE MINNESOTA OMNIBUS FARM ACT, LAWS OF 1986, CHAPTER 398.

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.

THIS IS AN ATTEMPT TO COLLECT A DEBT. 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.

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.

Mortgagors released from financial obligations on mortgage: None.

Pursuant to Minn. Stat. §580.025, the party foreclosing the Mortgage provides the following information, to the best of its knowledge:

(1) Physical Street Address, City and Zip Code of Mortgaged Premises: 107 E 4th Street, Cyrus, MN 56323

(2) Transaction Agent, Residential Mortgage Servicer, Lender or Broker: Lowry State Bank

(3) Tax Parcel Identification Number of Mortgaged Premises: 22-0044-000

(4) Transaction Agent’s Mortgage Identification Number, If Stated On Mortgage: xxxx5641

(5) Name of Mortgage Originator, If Stated on Mortgage: Lowry State Bank

Dated: March 3, 2021

LOWRY STATE BANK

By: /s/ Scott T. Johnston

Scott T. Johnston

Attorney Reg. No. 52334

Attorney for Mortgagee

THIS INSTRUMENT WAS DRAFTED BY:

JOHNSTON LAW OFFICE, P.A.

SCOTT T. JOHNSON,

ATTORNEY AT LAW

Easton Place,

510 22nd Avenue East #101

PO Box 1218

Alexandria, MN 56308-1218

320-762-8814

Our File No. 21-212STJ

March 15, 22, 29, April 5, 12, 19