PUBLIC NOTICE 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: July 9, 2008 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $120,596.23 MORTGAGOR(S): Laurie L. Lombard, an unmarried person MORTGAGEE: Wells Fargo Financial Minnesota, Inc. SERVICER: American Mortgage Investment Partners Management, LLC LENDER: Well Fargo Financial Minnesota, Inc. DATE AND PLACE OF FILING: Stearns County Minnesota, Recorder, on July 23, 2008, as Document No. 1264036. ASSIGNED TO: Wells Fargo Bank, N.A. by an Assignment of Mortgage dated 07/09/2012, and recorded on 07/11/2012 as Document No. A1373794. Wells Fargo Financial Minnesota, Inc. by an Assignment of Mortgage dated 05/09/2013 and recorded on 05/13/2013 as Document No. A1397811. Wells Fargo Bank, NA by a Gap Assignment of Mortgage dated 03/24/2021, and recorded on 03/29/2021 as Document No. A1598138. U.S. Bank National Association, not individually but solely as Trustee for Bluewater Investment Trust 2017-1 by an Assignment of Mortgage dated 09/09/2019 and recorded on 09/11/2019 as Document No. A1552366. Morgan Stanley Mortgage Capital Holdings LLC by an Assignment of Mortgage dated 09/01/2021 and recorded on 01/19/2022 as Document No. A1624358. U.S. Bank Trust National Association, not in its individual capacity but solely as Owner Trustee for RCF 2 Acquisition Trust by an Assignment of Mortgage dated 12/29/2021 and recorded on 01/19/2022 as Document No. A1624359. J.P. Morgan Mortgage Acquisition Corp., by an Assignment of Mortgage dated 01/09/2023, and recorded on 02/03/2023 as Document No. A1648363. Wilmington Savings Fund Society, FSB, as Owner Trustee of the Residential Credit Opportunities Trust X-B by an Assignment of Mortgage dated 05/22/2025 and recorded on 07/28/2025 as Document No. A1696614. Wilmington Savings Fund Society, FSB, as Owner Trustee of the Residential Credit Opportunities Trust X-C by an Assignment of Mortgage dated 12/31/2025 and recorded 01/02/2026 as Document No. A1706027. LEGAL DESCRIPTION OF PROPERTY: Lot Three (3) and the North Half (1/2) of Lot Four (4), Block Two (2) in Gans' Addition to the City of St. Cloud, less the following described tract of land: All that part of Lot 3 in Block 2 in Gans' Addition to the City of St. Cloud described as follows: Commencing at the Southwest corner of the East Half (E 1/2) of Lot 2 in Block 2 in Gans' Addition to the City of St. Cloud and thence due South 18 inches parallel with the East line of said Lot 3; thence due East 71.66 feet more or less parallel with the North line of said Lot 3 to a point on the East line of Lot 3, which is 24 inches South of the Southeast corner of Lot 2; thence due North 24 inches along the East side of Lot 3 to the Southeast corner of the East Half of said Lot 2; thence due West 71.66 feet along the South line of the East Half of Lot 2 in Block 2 of Gans' Addition to the City of St. Cloud, being the point of beginning and there terminating, according to the plat and survey thereof on file and of record in the office of the County Recorder in and for Stearns County, Minnesota. PROPERTY ADDRESS: 708 Osseo Ave S, Saint Cloud, MN 56301 PROPERTY I.D: 82-47063-0000 COUNTY IN WHICH PROPERTY IS LOCATED: Stearns THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: Ninety-Six Thousand Eight Hundred Sixty-Nine and 88/100 ($96,869.88) 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: 10:00AM on March 24, 2026 PLACE OF SALE: Stearns County Sheriff, Law Enforcement Center, Room S136 Civil Division, 807 Courthouse Square, St. Cloud, MN 56303 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 6.00 months from the date of sale. If Mortgage is not reinstated under Minn. Stat. Section580.30 or the property is not redeemed under Minn. Stat. Section580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on September 24, 2026, or the next business day if September 24, 2026 falls on a Saturday, Sunday or legal holiday. "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: February 5, 2026 Wilmington Savings Fund Society, FSB, as Owner Trustee of the Residential Credit Opportunities Trust X-C Randall S. Miller And Associates, PLLC Attorneys for Assignee of Mortgage/Mortgagee Edinburgh Executive Office Center, 8525 Edinbrook Crossing North Suite #210 Brooklyn Park, MN 55443 Phone: 612-223-6873 Our File No. 25MN00130-2 A-4865118 02/05/2026, 02/12/2026, 02/19/2026, 02/26/2026, 03/05/2026, 03/12/2026