NOTICE BEFORE FORCLUSION To the owners of title, borrowers and occupants of the property: Jon E. Frenzel 146 4th Avenue SE Dickinson, ND 58601 Pursuant to the provisions of the Federal Fair Debt Collection Practices Act, you are hereby notified that at Unless you dispute the validity of the foregoing indebtedness or any part thereof within thirty days of receipt of this letter, we will assume that the indebtedness is valid. If the debt or part of it is disputed, we will obtain a verification of the debt and send you a copy of this verification. You are also advised that upon your request within the thirty day period, we will provide you with the name and address of your original creditor, if different from the creditor mentioned in this notice. We are trying to collect a debt and any information obtained will be used for this purpose. At this time, no attorney at this firm has personally reviewed the particular circumstances of your account. However, if you are unable to contact our office, our client may consider additional remedies to recover the balance owing. The property to which this notice relates is located at 146 4th Avenue SE, Dickinson, ND 58601, and more particularly described as: Lot Two (2), Block One (1), Dinsdale’s Addition to the City of Dickinson, Stark County, North Dakota. MORE CORRECTLY DESCRIBED AS: Lot two (2), block one (1), Dinsdale’s first addition to the town of Dickinson, Stark County, North Dakota. Notice is hereby given that a certain mortgage, registered on the property described above by Jon E. Frenzel, executed and delivered to Mortgage Electronic Registration Systems, Inc., as mortgagee, as agent of Kirkwood Bank & Trust Co., its successors and assigns, dated July 3, 2013 (“Mortgage”); and given to secure payment of $181,632.00, together with interest and other charges and costs under the terms and obligations of a certain promissory note, is in default. The current mortgagor of the mortgage is Freedom Mortgage Corporation. The following is a statement of the amount owed for principal, interest, taxes, insurance, maintenance, etc. as of February 25, 2022: Principal $155,895.49 Interest $12,196.95 Escrow/impoundment required $7,637.48 Mortgage insurance premium due $342.51 Unpaid late fees $126.48 Additional items due 686 $.25 Grand total $176,885.16 That as of February 25, 2022, the amount due to remedy any default, or to be paid under the terms of the mortgage, exists in the following respects: Monthly mortgage payments 30,209.20 $ Uncollected late fees $126.48 Property inspections $90.00 Expense advances $596.25 Grand total $31,021.93 In the event you repay or reinstate the loan, payment must be made by funds certified and made payable to Freedom Mortgage Corporation, and mailed to Halliday, Watkins & Mann, PC, 376 East 400 South, Suite 300, Salt Lake City, UT 84111. In addition, you must pay all any additional accrued interest, subsequent payments or late fees that become due and any f ourrrure other expenses of conservation of the good which can be advanced. Please contact Halliday, Watkins & Mann, PC for the exact amount due until a certain date. You have the right under the terms of the mortgage to remedy the default specified above. You also have the right in the foreclosure action to assert that there is no default or any other defense you may have to such action. Notice is further provided that if the total of the sums in default, together with interest accrued at the time of such payment, accrued payments then due and advanced expenses, are not paid within thirty (30) days from the date of sending or service of this Notice, the hypothecary creditor will consider that the whole of the sum secured by the hypothec is due and payable in full without further notice. In addition, proceedings will be taken to seize this mortgage and, if sold by the sheriff in accordance with the laws of the State of North Dakota, the period for redemption shall be as provided by law, but not less than sixty (60 ) days after the sheriff’s sale. Date: February 25, 2022 Halliday, Watkins & Mann, PC /s/ Benjamin J. Mann Benjamin J. Mann, Bar Number 08371 Zachary Nesbit, Bar Number 07552 Creditor’s Solicitors 376 East 400 South, Suite 300 Salt Lake City, UT 84111 Tel. 801-355-2886 Email: [email protected] HWM: ND10354 (April 6, 13 and 20, 2022) 49825