SUMMONS -Index No.: 20250225 SUPREME COURT STATE OF NEW YORK COUNTY OF SENECA ESL Federal Credit Union, Plaintiff, vs. ANY PERSONS WHO ARE HEIRS OR DISTRIBUTEES OF THE ESTATE OF MICHAEL C. PEDERSEN, DECEASED and all persons who are widows, grantees, mortgagees, lienors, creditors, heirs, devisees, distributees, successors in interest of such of them as may be deceased, and their husbands, wives, heirs, devisees, distributees and successors of interest all of whom and whose names and places of residence are unknown to Plaintiff; SALLY P. ANDERSON; PATRICIA GROSCHADL; UNITED STATES OF AMERICA; PEOPLE OF THE STATE OF NEW YORK; NEW YORK STATE DEPARTMENT OF TAXATION AND FINANCE; "JOHN DOE" Servicer: ESL Federal Credit Union and/or "MARY ROE", 225 Chestnut Street Defendants. Rochester, NY (585 336-1000) Location of property to be foreclosed: 745 Wat-Gen Road a/k/a 745 Waterloo-Geneva Road, Town of Waterloo, Seneca County, New York. SBL#21 - 1 - 48.2. TO THE ABOVE-NAMED DEFENDANTS: YOU ARE HEREBY SUMMONED to answer the Complaint in the above action and to serve a copy of your Answer on the Plaintiff's attorney within twenty (20 days after the service of this Summons, exclusive of the day of service, or within (30 days after completion of service where service is made in any other manner than by personal delivery within the State. The United States of America, if designated as a Defendant in this action, may answer or appear within sixty (60 days of service hereof. In case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded in the Complaint. Seneca County is designated as the place of trial. The basis of venue is the location of the mortgaged premises. NOTICE: YOU MAY BE 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 property. 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: May 2, 2025 MATTHEW RYEN, ESQ. Lacy Katzen LLP Attorney for Plaintiff Office and Post Office Address 600 Bausch and Lomb Place P.O. Box 22878 Rochester, New York 14692 Telephone: (585 324-5785 NATURE AND OBJECT OF ACTION: The object of the above action is to foreclose a mortgage held by Plaintiff bearing the date the 3rd day of September, 2021, executed by Michael C. Pedersen to ESL Federal Credit Union to secure the sum of $53,100.00, and recorded in the Seneca County Clerk's Office on the 17th day of September, 2021, in Book 1822 of Mortgages at page 206, Document No.: 2021-00055256. TO THE ABOVE-NAMED DEFENDANTS, The plaintiff makes no personal claim against you in this action except for Michael C. Pedersen. To the above-named Defendants: The foregoing Summons is served upon you by publication pursuant to an Order of the Hon. Erin S. Skinner, a Justice of the Supreme Court of the State of New York, dated May 21, 2026 and filed along with the supporting papers in the Seneca County Clerk's Office. This is an action to foreclose a mortgage. The premises are described as follows: ALL THAT TRACT OR PARCEL OF LAND situate in the Town of Waterloo, County of Seneca and State of New York, bounded and described as follows: Beginning at an iron pin in the northerly portion of the Waterloo-Geneva Road (N.Y.S. Route 5 & U.S. Route 20 , said pin also being S 83° 08' W, 2544.97 feet from the centerline of Brewer Road; running thence N 08° 23'W along lands reputedly owned by J. & M. Manganaro, by deed recorded in the Seneca County Clerk's Office in Liber 417 of Deeds at page 115, 246.7 feet to an iron pin in the southerly line of the Penn Central Railroad Co., F. N.Y.C. RR. right-of-way; thence S 72° 57' W along said south, right-of-way 65.00 feet to an iron pipe in the northeast corner of land reputedly owned by L.A. & L.L. Angelo, by deed recorded in the Seneca County Clerk's Office in Liber 365 of Deeds at page 389; thence S 02° 00 E along lands reputedly of said Angelo 236.6 feet to an iron pipe in the northerly portion of the Waterloo-Geneva Road; thence N 83° 08' E in said northerly portion of the Waterloo-Geneva Road a distance of 90.6 feet to the point and place of beginning, containing 0.43 +/- acre of land and being "Parcel A" as set out on a survey map prepared by Donald D. Shepherd, P.L.S. from a survey completed on April 20, 1992 and filed in the Seneca County Clerk's Office. Premises: 745 Wat-Gen Road, Waterloo, NY 13165 aka 745 Waterloo-Geneva Road, Waterloo, NY 13165 Tax Parcel ID No.: Section: 21 Block: 1 Lot: 48.24169622 6-10-17-24; 7-1-4t