SUPPLEMENTAL SUMMONS AND NOTICE OF OBJECT OF ACTION -Supreme Court Of The State Of New York County Of Monroe Action To Foreclose A Mortgage Index #: E2022010444 Keybank, NA, S/B/M First Niagara Bank, NA Plaintiff, vs Keybank National Association, Successor By Merger To First Niagara Bank, Board Of Directors Of Horizon Pointe Homeowners Association, INC., American Express Bank, FSB, Capital One Bank (USA), N.A., Department Stores National Bank, New York State Department Of Taxation And Finance, United States Of America On Behalf Of The IRS, Douglas Ross AKA Douglas F Ross, AKA Doug Ross As Heir To The Estate Of Gerald D. Ross, Christine A. Ross, Karen Josette Howell AKA Josette Howell, AKA Karen J. Matheis As Heir To The Estate Of Gerald D. Ross, Christine A. Ross, Mary Pat Adams As Heir To The Estate Of Gerald D. Ross, Christine A. Ross, Unknown Heirs Of Christine A. Ross If Living, And If He/She Be Dead, Any And All Persons Unknown To Plaintiff, Claiming, Or Who May Claim To Have An Interest In, Or General Or Specific Lien Upon The Real Property Described In This Action; Such Unknown Persons Being Herein Generally Described And Intended To Be Included In Wife, Widow, Husband, Widower, Heirs At Law, Next Of Kin, Descendants, Executors, Administrators, Devisees, Legatees, Creditors, Trustees, Committees, Lienors, And Assignees Of Such Deceased, Any And All Persons Deriving Interest In Or Lien Upon, Or Title To Said Real Property By, Through Or Under Them, Or Either Of Them, And Their Respective Wives, Widows, Husbands, Widowers, Heirs At Law, Next Of Kin, Descendants, Executors, Administrators, Devisees, Legatees, Creditors, Trustees, Committees, Lienors, And Assigns, All Of Whom And Whose Names, Except As Stated, Are Unknown To Plaintiff, Unknown Heirs Of Gerald D. Ross If Living, And If He/She Be Dead, Any And All Persons Unknown To Plaintiff, Claiming, Or Who May Claim To Have An Interest In, Or General Or Specific Lien Upon The Real Property Described In This Action; Such Unknown Persons Being Herein Generally Described And Intended To Be Included In Wife, Widow, Husband, Widower, Heirs At Law, Next Of Kin, Descendants, Executors, Administrators, Devisees, Legatees, Creditors, Trustees, Committees, Lienors, And Assignees Of Such Deceased, Any And All Persons Deriving Interest In Or Lien Upon, Or Title To Said Real Property By, Through Or Under Them, Or Either Of Them, And Their Respective Wives, Widows, Husbands, Widowers, Heirs At Law, Next Of Kin, Descendants, Executors, Administrators, Devisees, Legatees, Creditors, Trustees, Committees, Lienors, And Assigns, All Of Whom And Whose Names, Except As Stated, Are Unknown To Plaintiff, People Of The State Of New York John Doe (Those unknown tenants, occupants, persons or corporations or their heirs, distributees, executors, administrators, trustees, guardians, assignees, creditors or successors claiming an interest in the mortgaged premises.) Defendant(s). Mortgaged Premises: 27 Harrington Drive Fairport, NY 14450 To the Above named Defendant: You are hereby summoned to answer the Complaint in this action, and to serve a copy of your answer, or, if the Complaint is not served with this Supplemental Summons, to serve a notice of appearance, on the Plaintiff(s) attorney(s) within twenty days after the service of this Supplemental Summons, exclusive of the day of service (or within 30 days after the service is complete if this Supplemental Summons is not personally delivered to you within the State of New York). In case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded in the Complaint. The Attorney for Plaintiff has an office for business in the County of Erie. Trial to be held in the County of Monroe. The basis of the venue designated above is the location of the Mortgaged Premises. TO Unknown Heirs of Christine A. Ross, Unknown Heirs of Gerald D. Ross Defendants In this Action. The foregoing Supplemental Summons is served upon you by publication, pursuant to an order of HON. Erin Skinner of the Supreme Court Of The State Of New York, dated the Twenty-Seventh day of June, 2025 and filed with the Complaint in the Office of the Clerk of the County of Monroe, in the City of Rochester. The object of this action is to foreclosure a mortgage upon the premises described below dated August 25, 2005, executed by Gerald D. Ross (who died on March 1, 2024, a resident of the county of Allegany, State of New York) and Christine A. Ross (who died on September 11, 2022, a resident of the county of Monroe, State of New York) to secure the sum of $359,650.00. The Mortgage was recorded at Book 19923, Page 79 and Mortgage Number MDB019375 in the Office of the Monroe County Clerk on August 26, 2005. Plaintiff is also holder of a mortgage dated October 1, 2010 executed by Gerald D. Ross and Christine A. Ross to secure the sum of $88,059.44 and recorded at Book 23264, Page 440 in the Office of the Monroe County Clerk on October 20, 2010. Said mortgage was consolidated with the mortgage referred to at Book 19923, Page 79 by a Consolidation, Extension and Modification Agreement executed by Gerald D. Ross and Christine A. Ross dated October 1, 2010 and recorded October 20, 2010 at Book 23264, Page 459 in the Office of the Monroe County Clerk to form a single lien in the amount of $408,000.00. The property in question is described as follows: 27 Harrington Drive, Fairport, NY 14450 NOTICE YOU ARE IN DANGER OF LOSING YOUR HOME If you do not respond to this summons and complaint by serving a copy of the answer on the attorney for the mortgage company who filed this Foreclosure proceeding against you and filing the answer with the court, a default judgment may be entered and you can lose your home. Speak to an attorney or go to the court where your case is pending for further information on how to answer the summons and protect your property. Sending a payment to your mortgage company will not stop this foreclosure action. YOU MUST RESPOND BY SERVING A COPY OF THE ANSWER ON THE ATTORNEY FOR THE PLAINTIFF (MORTGAGE COMPANY) AND FILING THE ANSWER WITH THE COURT. DATED: June 30, 2025 Gross Polowy LLC Attorney(s) For Plaintiff(s) 1775 Wehrle Drive, Suite 100 Williamsville, NY 14221 The law firm of Gross Polowy LLC and the attorneys whom it employs are debt collectors who are attempting to collect a debt. Any information obtained by them will be used for that purpose. 86411 4071438 7-11-18-25;8-1-4t