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: October 19, 2005 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $232,700.00 MORTGAGOR(S): Mark T. McGowan and Marnee M McGowan, husband and wife MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for Bremer Bank, National Association, its successors and assigns TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. MIN#: 1000739-8142637550-8 SERVICER: SN Servicing Corporation LENDER: Bremer Bank, National Association DATE AND PLACE OF FILING: Stearns County Minnesota, Recorder, on October 24, 2005, as Document No. 1173020. ASSIGNED TO: CitiMortgage, Inc. by an Assignment of Mortgage dated 09/29/2012 and recorded on 10/01/2012 as Document No. A1380092. Federal National Mortgage Association ("Fannie Mae") by an Assignment of Mortgage dated 02/14/2014 and recorded on 02/18/2014 as Document No. A1416726. MTGLQ Investors, L.P. by an Assignment of Mortgage dated 02/08/2019, and recorded on 02/08/2019 as Document No. A1538126. U.S. Bank Trust National Association as Trustee of Tiki Series IV Trust by an Assignment of Mortgage dated 07/13/2021 and recorded on 09/01/2021 as Document No. A1613009. U.S. Bank Trust National Association, as Trustee for Ranch Series IV Trust by an Assignment of Mortgage dated 04/19/2024 and recorded on 05/13/2024 as Document No. A1671939. LEGAL DESCRIPTION OF PROPERTY: LOT ELEVEN (11), BLOCK TWO (2), WEST RIVER OAKES PLAT 2, STEARNS COUNTY, MINNESOTA PROPERTY ADDRESS: 1306 West Oakes Dr, St Cloud, MN 56303 PROPERTY I.D: 82.52403.0252 COUNTY IN WHICH PROPERTY IS LOCATED: Stearns THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: Two Hundred Thirty-Eight Thousand Three Hundred Twenty-One and 95/100 ($238,321.95) 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 May 26, 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 November 26, 2026, or the next business day if November 26, 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." MORTGAGORS RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None Dated: April 9, 2026 U.S. Bank Trust National Association, as Trustee for Ranch Series IV Trust 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: (248) 335-9200 Our File No. 23MN00032-5 A-4871219 04/09/2026, 04/16/2026, 04/23/2026, 04/30/2026, 05/07/2026, 05/14/2026