FILED: GENESEE COUNTY CLERK 08/19/2019 01:22 PM
`FILED: GENESEE COUNTY CLERK 08/19/2019 01:22 P
`NYSCI EF DOC. NO. 34
`NYSCEF DOC. NO. 34
`
`EXHIBIT
`EXHIBIT I
`I
`
`IND
`
`
`
`
`
`ED NYSCEF: 08/19/2019
`RECEIVED NYSCEF: 08/19/2019
`
`
`
`EX NO. E67596
`INDEX NO. E67596
`
`

`

`FILED: GENESEE COUNTY CLERK 08/19/2019 01:22 PM
`NYSCEF DOC. NO. 34
`
`INDEX NO. E67596
`
`RECEIVED NYSCEF: 08/19/2019
`
`STATE
`SUPREME
`
`OF NEW YORK
`COURT
`:
`
`COUNTY
`
`OF GENESEE
`
`NORTHWEST
`SAVINGS
`
`BANK f/k/a NORTHWEST
`BANK,
`
`Index
`
`No.:E67596
`
`Plaintiff,
`
`vs.
`
`Mortgaged
`Premises:
`43 Edgewood
`Drive
`New York
`
`Batavia,
`
`14020
`
`AND
`
`SBL:
`
`12.05-1-7
`
`INC.,
`FUNERAL
`
`INC.
`
`BANK,
`
`MICHAEL
`S. TOMASZEWSKI,
`VALERIE
`A. TOMASZEWSKI,
`ACME HOLDINGS
`OF N.Y.,
`MICHAEL
`S. TOMASZEWSKI
`CREMATION
`CHAPEL,
`LLC,
`ATLANTIC
`CREDIT
`FINANCE,
`CAPITAL
`A/P/O
`ONE,
`TARGET
`NATIONAL
`JOHN
`BRYMER,
`MAURA
`C. NEWSTEAD
`DIBBLE,
`UNITED
`STATES
`OF AMERICA/DEPARTMENT
`REVENUE
`THE TREASURY/INTERNAL
`BANK f/k/a NORTHWEST
`NORTHWEST
`NEW YORK STATE
`DEPARTMENT
`AND FINANCE,
`JOHN
`DOE
`"John
`the
`the Names
`of
`2,
`Fictitious
`and Unknown
`Defendants
`to Plaintiff,
`Intended
`to be Tenants,
`an Interest
`if any, Having
`or Claiming
`Premises
`Described
`Herein,
`
`OF
`
`BANK,
`
`SERVICE,
`SAVINGS
`OF TAXATION
`
`Doe"
`
`or Occupants,
`in the
`
`1 and
`
`Being
`but
`
`________------------------------------------------------------------X
`OF MERIT
`AFFIDAVIT
`
`AND AMOUNT
`
`DUE
`
`Defendants.
`
`ss:
`
`) )
`
`)
`
`STATE
`
`OF NEW YORK
`
`COUNTY
`
`OF ERIE
`
`Tina
`
`Scriven,
`
`being
`
`duly
`
`sworn,
`
`deposes
`
`and
`
`says:
`
`

`

`FILED: GENESEE COUNTY CLERK 08/19/2019 01:22 PM
`NYSCEF DOC. NO. 34
`
`INDEX NO. E67596
`
`RECEIVED NYSCEF: 08/19/2019
`
`1.
`
`I am a Divisional
`
`Vice
`
`President
`
`at Northwest
`
`Bank
`
`formerly
`
`known
`
`as Northwest
`
`Savings
`
`Bank.
`
`2.
`
`As part
`
`of my job
`
`duties,
`
`I handle
`
`the
`
`loan
`
`file
`
`for
`
`the defendants
`
`Michael
`
`S.
`
`Tomaszewski
`
`and Valerie
`
`A. Tomaszewski.
`
`I make
`
`this
`
`affidavit
`
`with
`
`knowledge
`
`of
`
`the
`
`facts
`
`and
`
`circumstances
`
`herein
`
`which
`
`are derived
`
`from
`
`knowledge
`
`and/or
`
`an
`
`independent
`
`examination
`
`of
`
`the
`
`fiñancial
`
`books
`
`and
`
`büsiness
`
`records
`
`made
`
`in
`
`the
`
`ordinary
`
`course
`
`of
`
`nWsened
`
`of
`
`the
`
`business
`
`by
`
`or
`
`on
`
`behalf
`
`of Plaintiff
`
`to be an accurate
`
`and
`
`fair
`
`representation
`
`occurrences
`
`with
`
`which
`
`the
`
`record
`
`purports
`
`to represêñt
`
`as well
`
`as business
`
`records
`
`relative
`
`to
`
`the within
`
`litigation.
`
`I
`
`am familiar
`
`with
`
`the
`
`record
`
`keeping
`
`systems
`
`that
`
`Plaintiff
`
`uses
`
`to record
`
`and
`
`create
`
`information
`
`related
`
`to
`
`the
`
`loans
`
`that
`
`it
`
`services,
`
`including
`
`the
`
`processes
`
`by which
`
`Plaintiff
`
`obtains
`
`the
`
`loan
`
`information
`
`in
`
`those
`
`systems.
`
`While
`
`many
`
`of
`
`the
`
`Plaintiff
`
`enter
`
`those
`
`processes
`
`are
`
`automated,
`
`where
`
`the
`
`employees
`
`of
`
`manually
`
`data
`
`relating
`
`to
`
`loans
`
`on
`
`those
`
`systems,
`
`they
`
`have
`
`knowledge
`
`of
`
`that
`
`information
`
`and
`
`enter
`
`it
`
`into
`
`the
`
`system
`
`at or
`
`near
`
`the
`
`time
`
`they
`
`acquired
`
`that
`
`knowledge.
`
`The
`
`records
`
`relied
`
`upon
`
`are made
`
`in
`
`the
`
`regular
`
`course
`
`of
`
`business
`
`made
`
`at or
`
`about
`
`the time
`
`the
`
`event
`
`is
`
`made
`
`for
`
`the
`
`conduct
`
`of
`
`business
`
`and
`
`are
`
`relied
`
`upon
`
`being
`
`recorded,
`
`systematically
`
`as
`
`the
`
`accurate
`
`routine
`
`reflections
`
`of
`
`the
`
`day-to-day
`
`regularly
`
`conducted
`
`business
`
`activity
`
`and
`
`so
`
`they
`
`may
`
`be
`
`relied
`
`upon
`
`as
`
`being
`
`truthful
`
`and
`
`accurate.
`
`Additionally,
`
`I have
`
`worked
`
`extensively
`
`on this matter,
`
`and,
`
`as such,
`
`I have
`
`reviewed
`
`all of
`
`the
`
`corporate
`
`records,
`
`files,
`
`and
`
`documents
`
`related
`
`thereto.
`
`Therefore,
`
`I am fully
`
`familiar
`
`with
`
`the
`
`facts
`
`and
`
`circumstances
`
`set
`
`forth
`
`herein,
`
`and
`
`I make
`
`this
`
`affidavit
`
`upon
`
`personal
`
`knowledge.
`
`

`

`FILED: GENESEE COUNTY CLERK 08/19/2019 01:22 PM
`NYSCEF DOC. NO. 34
`
`INDEX NO. E67596
`
`RECEIVED NYSCEF: 08/19/2019
`
`3.
`
`Upon my review
`
`of
`
`the books
`
`and
`
`records
`
`kept
`
`in the regular
`
`course
`
`of business
`
`by
`
`this
`
`institution,
`
`I confirm
`
`that
`
`there
`
`is in fact
`
`a default
`
`under
`
`the
`
`terms
`
`and/or
`
`conditions
`
`of
`
`the
`
`loan
`
`documents.
`
`The
`
`last
`
`payment
`
`made
`
`was
`
`applied
`
`to the monthly
`
`payment
`
`due
`
`on January
`
`1,
`
`2018.
`
`As
`
`such,
`
`the
`
`loan
`
`is now due
`
`for monthly
`
`payments
`
`commencing
`
`with
`
`the
`
`payment
`
`due on
`
`February
`
`1, 2018.
`
`Because
`
`of
`
`said
`
`default,
`
`plaintiff
`
`elected
`
`to accelerate
`
`the
`
`loan.
`
`There
`
`is now
`
`due
`
`and
`
`owing
`
`the principal
`
`balance
`
`of $342,812.34,
`
`plus
`
`all
`
`interest,
`
`late
`
`fees,
`
`escrow
`
`advances,
`
`disbursements,
`
`expenses,
`
`fees
`
`(including
`
`attorneys'
`
`fees),
`
`costs,
`
`and
`
`recapture
`
`amounts
`
`that may
`
`be due.
`
`S. Tomaszewski
`
`4.
`
`Michael
`
`and Valerie
`
`A. Tomaszewski
`
`to secure
`
`the sum of
`
`$145,900.00,
`
`which
`
`mortgage
`
`is dated May
`
`17, 2007,
`
`recorded
`
`in Book
`
`1563
`
`at Page
`
`762
`
`in the
`
`Office
`
`of
`
`the Clerk
`
`of
`
`the County
`
`of Genesee,
`
`on October
`
`1, 2008;
`
`a mortgage
`
`executed
`
`by
`
`Michael
`
`S. Tomaszewski
`
`and Valerie
`
`A. Tomaszewski
`
`to secure
`
`the
`
`sum of $263,409.35,
`
`which
`
`mortgage
`
`is dated
`
`January
`
`12, 2010,
`
`recorded
`
`in Book
`
`1590
`
`at Page
`
`439
`
`in the Office
`
`of
`
`the
`
`Clerk
`
`of
`
`the County
`
`of Genesee,
`
`on January
`
`13, 2010;
`
`a consolidated
`
`collateral
`
`mortgage
`
`and
`
`spreader
`
`agreement
`
`executed
`
`by Michael
`
`S. Tomaszewski
`
`and Valerie
`
`A. Tomaszewski
`
`to
`
`consolidate
`
`the
`
`aforementioned
`
`mortgages
`
`and
`
`secure
`
`the sum of $404,600.00
`
`recorded
`
`in Book
`
`310
`
`at Page
`
`64 in the Office
`
`of
`
`the Clerk
`
`of
`
`the County
`
`of Genesee,
`
`on January
`
`13, 2010.
`
`Northwest
`
`Bank
`
`is formerly
`
`known
`
`as Northwest
`
`Savings
`
`Bank
`
`

`

`FILED: GENESEE COUNTY CLERK 08/19/2019 01:22 PM
`NYSCEF DOC. NO. 34
`
`INDEX NO. E67596
`
`RECEIVED NYSCEF: 08/19/2019
`
`5.
`
`Plaintiff
`
`was
`
`possession
`
`of
`
`the subject
`
`note
`
`and mortgage
`
`at
`
`the
`
`time
`
`of
`
`commencement
`
`of
`
`this
`
`action
`
`and
`
`remain
`
`in possession
`
`of same.
`
`6.
`
`The mortgaged
`
`premises
`
`is located
`
`at 43 Edgewood
`
`Drive,
`
`Batavia,
`
`New York
`
`14020.
`
`7.
`
`I have
`
`reviewed
`
`the
`
`original
`
`note, mortgage,
`
`and
`
`guaranty
`
`in the regular
`
`course
`
`of
`
`business
`
`by this
`
`institution.
`
`I
`
`find
`
`the
`
`same
`
`to be in proper
`
`form,
`
`duly
`
`executed,
`
`and
`
`notarized
`
`where
`
`applicable,
`
`and mortgage
`
`tax
`
`due
`
`paid
`
`thereon.
`
`8.
`
`In addition
`
`to the
`
`sums
`
`set
`
`forth
`
`in the complaint,
`
`plaintiff
`
`may
`
`advance,
`
`in order
`
`for
`
`to protect
`
`its security
`
`interest,
`
`additional
`
`monies
`
`the payment
`
`of
`
`taxes,
`
`insurance,
`
`and
`
`maintenance
`
`of
`
`the premises,
`
`which
`
`accrue
`
`and are expended
`
`by
`
`virtue
`
`of defeñdant's
`
`default.
`
`If
`
`requested,
`
`said
`
`amounts
`
`will
`
`be provided
`
`to the referee,
`
`and
`
`substantiated
`
`by appropriate
`
`evidence.
`
`9.
`
`I have
`
`been
`
`advised
`
`by
`
`counsel
`
`that
`
`all parties
`
`who
`
`are necessary
`
`to this
`
`action
`
`have
`
`been
`
`served,
`
`and
`
`their
`
`time
`
`to answer
`
`has expired.
`
`10.
`
`I have
`
`reviewed
`
`the
`
`legal
`
`description
`
`of
`
`the premises
`
`being
`
`foreclosed
`
`and
`
`have
`
`determined
`
`that
`
`the mortgaged
`
`premises
`
`consists
`
`of a single
`
`parcel
`
`and
`
`should
`
`be sold
`
`as such.
`
`

`

`FILED: GENESEE COUNTY CLERK 08/19/2019 01:22 PM
`NYSCEF DOC. NO. 34
`
`INDEX NO. E67596
`
`RECEIVED NYSCEF: 08/19/2019
`
`11.
`
`I make
`
`this affidavit
`
`kñcwiñg
`
`that
`
`the Court
`
`will
`
`rely
`
`on the truth
`
`and veracity
`
`of
`
`the statements
`
`contained
`
`herein
`
`in.
`
`Northwest
`Northwest
`
`Bank
`Savings
`
`formerly
`Bank
`
`known
`
`as
`
`Name:
`Title:
`
`Tina Senven
`Divisional
`
`Vice
`
`President
`
`Sw rn to before me this
`ay of
`,
`__
`
`/d
`
`, 2019.
`
`No1(gy
`
`Public
`
`ELlZABETH A ESCOTT
`NOTARY PUBt.lC-STATE OF NEW YORK
`No. 01E$6202835
`in Grie County
`Quottfled
`Itupires April 30,
`My Commission
`
`A1
`
`