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NOTICE IS hereby given that default has occurred in the conditions of that certain mortgage dated, January 27, 2006, given to secure an original principal amount of $113,000.00 executed by Misty Rae Laine, a single person, as mortgagor(s), to the United States of America, acting through the Rural Housing Service, formerly known as Farmers Home Administration, United States Department of Agriculture, Mortgagee, and duly recorded with the Office of the County Recorder of CARLTON County, Minnesota on January 31, 2006, as Document Number A000399231.

No action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage or any part thereof: all pre-foreclosure notice requirements have been complied with.

There is due and claimed to be due on the mortgage and the note secured thereby, including interest, taxes, and fees to the date of this notice, the sum of One Hundred Forty Two Thousand Five dollars and 72/100, $142,005.72). Pursuant to the power of sale therein contained, said mortgage will be foreclosed and the tract of land lying and being located in the County of CARLTON, Minnesota, described as follows:

Legal description: Lot Five (5), Block Three (3), County Auditor's Subdivision No. 1

Property address: 425 - 12th Street, Cloquet, MN 55720

Parcel ID: 06.055.1040

will be sold by the Sheriff of CARLTON County at public auction on the 6th day of May, 2014, at 10:00 a.m. o'clock in the County Sheriff's Office in Carlton, MN, to pay the debt then secured by said mortgage, taxes, if any on said premises, and the costs and disbursements allowed by law, subject to redemption within Six (6) months from said date of sale.

At the time of the commencement of said mortgage foreclosure proceedings said lands were not agricultural lands as defined by the Minnesota Omnibus Farm Act, Laws of 1986, Chapter 398.

The date on or before which the mortgagor must vacate the property if the mortgage is not reinstated or the property redeemed, the time is 11:59 p.m. on (November 6, 2014).

Dated: February 25, 2014

United States of America

By: ______________________________

Deborah Wright Mason

Acting Director for Bankruptcy/

Foreclosure Section, and Direct

Loss Mitigation Section,

Default Management Branch,

Acting on behalf of

The Rural Housing Service

(Successor in interest to the

Farmers Home Administration)

U.S. Dept. of Agriculture