NOTICE TO BORROWER PURSUANT TO MCL 600.3205a(4)

This firm may be a debt collector attempting to collect a debt. Any information obtained may be used for that purpose. If you are a military servicemember on active duty now or in the prior nine months, please contact our office.

NOTICE is hereby provided to the Borrower(s) regarding the property located at W1972 Charles Moran Road, Moran, Michigan 49760. State law requires that you receive the following notice:

You have the right to request a meeting with the mortgage holder or mortgage servicer. Pursuant to MCL 600.3205a(1)(c), ONEWEST BANK, FSB has designated the Loan Modification Department of Randall S. Miller & Associates, P.C. 43252 Woodward Avenue, Suite 180, Bloomfield Hills, MI 48302 at (248) 883- 0157 as its agent to serve as the contact under MCL sections 600.3205a-3205c and has the authority to make agreements for a loan modification pursuant to MCL sections 600.3205b and 600.3205c.

You may contact a housing counselor by visiting the Michigan State Housing Development Authority’s website at http://www.mich- igan.gov/mshda or by calling 1-800-A-SHELTER, 24 hours a day, seven days a week, year-round.

If you request a meeting with the designated agent, foreclosure proceedings will not start until 90 days after the notice required by MCL 600.3205a was mailed to your last known address, subject to the provisions of MCL 600.3205b. If an agreement to modify the mortgage is reached and you abide by the terms of the agreement, the mortgage will not be foreclosed.

You have the right to contact an attorney. If you do not have an attorney, the telephone number for the Michigan State Bar Lawyer Referral Service is (800) 968-0738. Notice given by: Randall S. Miller Randall S. Miller & Associates, P.C. 43252 Woodward Avenue, Suite 180 Bloomfield Hills, MI 48302 248-883-0157 (Loan Modification Dept.) loanmods@ rsma law.com Case No. 10MI01596-2

Dated: February 9, 2012 (02-09)

STATE OF MICHIGAN PROBATE COURT COUNTY OF MACKINAC

NOTICE TO CREDITORS Decedent’s Estate FILE NO. 11-7715-DE

Estate of ROLLIN MERRITT HICKS, deceased. Date of birth: August 5, 1926.

NOTICE TO CREDITORS: The decedent, Rollin Merritt Hicks, who lived at 1080 N. M-129, Cedarville, Michigan died October 15, 2011.

Creditors of the decedent are notified that all claims against the estate will be forever barred unless presented to Ted Wayne Hicks, named personal representative or proposed personal representative, or to both the probate court at 100 Marley Street, St. Ignace, Michigan 49781 and the named/proposed personal representative within 4 months after the date of publication of this notice.

January 31, 2012

J. Stuart Spencer (P45315) 541 South Hill Island Road Cedarville, MI 49719 (906) 484-2771

Ted Wayne Hicks 2240 84th Street. SW Byron Center, MI 49315

NOTICE OF MORTGAGE FORECLOSURE SALE

This firm is a debt collector attempting to collect a debt. Any information we obtain will be used for that purpose. Please contact our office at the number below if you are in active military duty. ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.

MORTGAGE SALE

Default has been made in the conditions of a mortgage made by ROBERT F. ANDERSON, a married person and SUSAN J. LEMING ANDERSON, a married person, original mort- gagor(s), to PHH MORTGAGE SERVICES, Mortgagee, dated May 23, 2003, and recorded on May 29, 2003 in Liber 545 on Page 112, in Mackinac County Records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of Two Hundred Thirteen Thousand Five Hundred Sixty-Six and 75/100 Dollars ($213,566.75), including interest at 5.823% per annum. Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Mackinac County, at 11:00 a.m., on February 23, 2012. Said premises are situated in Township of Clark, Mackinac County, Michigan, and are described as: A portion of Government Lot No. 8, Section 32, Township 42 North Range 1 East, described as follows: commencing at a 1/4 inch re-rod at The Southeast corner of said Section 32 on the North shore of Island No. 8; thence North 0 degrees 12 minutes 16 seconds West

along the East line of said Section 437.81 feet to a concrete monument on the Southwesterly shore of Hill Island referred to as being the Southeast corner of said Government Lot 8; thence North 45 degrees 12 minutes 14 seconds West 1947.88 feet to a point recorded as being 1966 Feet along the water’s edge in a westerly direction from the Aforementioned concrete monument; thence North 25 degrees 48 minutes 10 seconds East 255.11 feet (recorded as North 30 degrees East 230 feet, more or Less) to a Tiron stake on the Northeasterly line of White Road (AKA Hill Island Road) as existing; thence along said road line North 49 Degrees 49 minutes 33 seconds West 283.36 east to a T-iron stake at the western most Corner of the Vernon W. And Ann Koehler property described in Liber 154, page 160, Mackinac County Records; thence continuing North 50 degrees 14 minutes 50 seconds West along said road line 397.89 feet; thence Continuing along said road line North 47 degrees 41 minutes 04 seconds West 2.18 Feet to at-iron stake at the Western most corner of the David G. and Josephine Carr property described in Liber 224, page 10, Mackinac County records, being the point of beginning; thence continuing North 47 degrees 41 minutes 04 seconds West along said road line 73.80 feet to a T- Iron stake; thence North 41 degrees 28 minutes 59 seconds west along said road line51.20feettoa1inch pipe; thence north 25 degrees 17 minutes 55 seconds East 273.38 Feet to at-iron stake on the shore of Flowers Bay (Lake Huron) thence along said shore the following courses South 61 Degrees 16 minute 46 seconds East 15.66 feet; thence south 46 degrees 39 minutes 26 seconds East 78.89 feet; south 73 degrees 20 minutes 03 seconds East 30.45 feet to the Northwesterly line of said Carr property; thereon South 25 Degrees 48 minutes 10 seconds West (recorded as south 30 degrees west) along the Northwesterly line of said Carr property 296.98 feet (recorded as 300 feet, more or less) to the point of beginning to include all land To the water’s edge of Flowers Bay (Lake Huron) Northeasterly of the courses described as along said shore.

The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.

Dated: January 26, 2012

For more information, please call: FC F (248) 593-1313 Trott & Trott, P.C. Attorneys For Servicer 31440 Northwestern Highway, Suite 200 Farmington Hills, Michigan 48334-2525

File #394968F01 (01-26)(02-16)