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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: August 26, 2011 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $84,974.00 MORTGAGOR(S): Rena Ross and Nicholas Ross, wife and husband MORTGAGEE: The Lake Bank LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON THE MORTGAGE: The Lake Bank SERVICER: PHH Mortgage Corporation DATE AND PLACE OF FILING: Filed September 6, 2011, Lake County Recorder, as Document Number A000174649 ASSIGNMENTS OF MORTGAGE: Assigned to: PHH Mortgage Corporation LEGAL DESCRIPTION OF PROPERTY: Lot 7, Block 33, Minnesota Iron Company's First Addition to Two Harbors PROPERTY ADDRESS: 821 6Th Ave, Two Harbors, MN 55616 PROPERTY IDENTIFICATION NUMBER: 23-7642-33070 COUNTY IN WHICH PROPERTY IS LOCATED: Lake THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $85,647.54 THAT all pre-foreclosure requirements have been complied with; that no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; 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: July 17, 2014, 10:00am PLACE OF SALE: Sheriff's Main Office, 613 3rd Ave, Two Harbors, MN 55616 to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorneys fees allowed by law, subject to redemption within 6 months from the date of said sale by the mortgagor(s) the personal representatives or assigns. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property, if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23, is 11:59 p.m. on January 17, 2015, or the next business day if January 17, 2015 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 5 UNITS, ARE NOT PROPERTY USED FOR AGRICULTURAL PRODUCTION, AND ARE ABANDONED. Dated: May 19, 2014 PHH Mortgage Corporation Assignee of Mortgagee SHAPIRO & ZIELKE, LLP Lawrence P. Zielke - 152559 Diane F. Mach - 273788 Melissa L. B. Porter - 0337778 Randolph W. Dawdy - 2160X Stephanie O. Nelson - 0388918 Gary J. Evers - 0134764 Attorneys for Mortgagee 12550 West Frontage Road, Ste. 200 Burnsville, MN 55337 (952) 831-4060 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR LCNC: 05/30,06/06,06/13,06/20, 06/27,07/04/2014