This notice is for a mortgage foreclosure action against the property owner.

SUMMONS Index No. E188490/2025 STATE OF NEW YORK SUPREME COURT COUNTY OF NIAGARA KEYBANK NATIONAL ASSOCIATION, Plaintiff, -vs- THE HEIRS AT LARGE OF TERESA R. GARDNER A/K/A TERESA GARDNER, deceased, and all persons who are spouses, widows, grantees, mortgagees, lienors, heirs, devisees, distributees, successors in interest of such of them as may be dead, and their husbands and wives, heirs, devisees, distributees and successors of interest of all of whom and whose names and places are unknown to Plaintiff; ROBERT GARNDER; UNITED STATES OF AMERICA; NEW YORK STATE DEPARTMENT OF TAXATION AND FINANCE; John Doe, individual whose name remains unknown to Plaintiff; Jane Doe, individual whose name remains unknown to Plaintiff;, Defendants. Mortgaged Premises: 7605 FRONTIER AVENUE, NIAGARA FALLS, NY 14304 TO THE ABOVE NAMED DEFENDANT(S): YOU ARE HEREBY SUMMONED to answer the Complaint in the above entitled action and to serve a copy of your Answer on the plaintiffs attorney within twenty (20) days of the service of this Summons, exclusive of the day of service, or within thirty (30) days after service of the same is complete where service is made in any manner other 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. Your failure to appear or answer will result in a judgment against you by default for the relief demanded in the Complaint. In the event that a deficiency balance remains from the sale proceeds, a judgment may be entered against you, unless the Defendant obtained a bankruptcy discharge and such other or further relief as may be just and equitable. 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 to 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 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. NIAGARA County is designated as the place of trial. The basis of venue is the location of the mortgaged premises. Dated: July 7, 2025 Mark K. Broyles, Esq. FEIN SUCH & CRANE, LLP Attorneys for Plaintiff Office and P.O. Address 28 East Main Street, Suite 1800 Rochester, New York 14614 Telephone No. (585) 232-7400 Section: 160.68 Block: 1 Lot: 58.2 NATURE AND OBJECT OF ACTION The object of the above action is to foreclose a mortgage held by the Plaintiff recorded in the County of NIAGARA, State of New York as more particularly described in the Complaint herein. TO THE DEFENDANT, the plaintiff makes no personal claim against you in this action. To the above named defendants: The foregoing summons is served upon you by publication pursuant to an order of HON. FRANK CARUSO Justice of the Supreme Court of the State of New York, dated January 15, 2026 and filed along with the supporting papers in the NIAGARA County Clerks Office. This is an action to foreclose a Mortgage. All that tract or parcel of land, situate in the City of Niagara Falls, County of Niagara and State of New York Mortgaged Premises: 7605 FRONTIER AVENUE, NIAGARA FALLS, NY 14304 Tax Map/Parcel ID No.: Section: 160.68 Block: 1 Lot: 58.2 of the CITY of NIAGARA FALLS, NY 14304 88785#85 N#3584271/23,30, 2/6,13/2026