Exhibit,Appendix: Wilmington Savings Fund Society, Fsb, D/B/A Christiana Trust, Not Individually But As Trustee For Pretium Mortgage Acquisition Trust, v. East Fork Capital Equities, Llc, Board Of Managers Of Strivers Gardens Condominium, City Of New York, A Municipal Corporation Acting By And Through Its Departmnt Of Preservation And Development, New York City Environmental Control Board, New York City Parking Violations Bureau, New York City Transit Adjudication Bureau, John Doe #1 Through John Doe #12, the last twelve names being fictitious and unknown to plaintiff, the persons or parties intended being the tenants, occupants, persons or corporations, if any, having or claiming an interest in or lien upon the premises, described in the complaint

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                                FILED: NEW YORK COUNTY CLERK 02/18/2022 01:38 PM         INDEX NO. 850236/2021
NYSCEF DOC. NO. 50                                 RECEIVED NYSCEF: 02/18/2022




                     Exhibit 15
FILED: NEW YORK COUNTY CLERK 02/18/2022 01:38 PM                          INDEX NO. 850236/2021
NYSCEF DOC. NO. 50                                                  RECEIVED NYSCEF: 02/18/2022

            S. 1                               14

        1     a. Significant loss of revenue during the COVID-19 pandemic; or
        2     b. Significant increase in necessary expenses related to providing
        3   personal protective equipment to employees or purchasing and installing
        4   other protective equipment to prevent the transmission of COVID-19 with-
        5   in the business; or
        6     c. Moving expenses and difficulty in securing an alternative commer-
        7   cial property make it a hardship for the business to relocate to another
        8   property during the COVID-19 pandemic; or
        9     d. One or more of the business's tenants has defaulted on a signif-
       10   icant amount of their rent payments since March 1, 2020.
       11     § 3. The foreclosing party shall include a "Hardship Declaration" with
       12   every notice required provided to a mortgagor prior to filing an action
       13   for foreclosure. Such notice shall also include a mailing address, tele-
       14   phone number and active email address the mortgagor can use to contact
       15   the foreclosing party and return the hardship declaration.
       16     § 4. No court shall accept for filing any action to foreclose a mort-
       17   gage unless the foreclosing party or an agent of the foreclosing party
       18   files an affidavit, under penalty of perjury:
       19     1. of service demonstrating the manner in which the foreclosing
       20   party's agent served a copy of the hardship declaration with required
       21   notices, if any, provided to the mortgagor, and
       22     2. a. attesting that, at the time of filing, neither the foreclosing
       23   party nor any agent of the foreclosing party has received a hardship
       24   declaration from the mortgagor; or
       25     b. attesting that at the time of filing, the foreclosing party or an
       26   agent of the foreclosing party has received a hardship declaration from
       27   the mortgagor, but the foreclosing party believes in good faith that the
       28   hardship certified in the hardship declaration does not exist.
       29     At the earliest possible opportunity, the court shall seek confirma-
       30   tion on the record or in writing that the mortgagor has received a copy
       31   of the hardship declaration and whether the mortgagor has returned the
       32   hardship declaration to the foreclosing party or an agent of the fore-
       33   closing party.    If the court determines a mortgagor has not received a
       34   hardship declaration, then the court shall stay the proceeding for a
       35   reasonable period of time, which shall be no less than ten business days
       36   or any longer period provided by law, to ensure the mortgagor received
       37   and fully considered whether to submit the hardship declaration.
       38     § 5. In any action to foreclose a mortgage in which a judgment of sale
       39   has not been issued, including actions filed on or before March 7, 2020,
       40   if the mortgagor provides a hardship declaration to the foreclosing
       41   party, the court, or an agent of the foreclosing party or the court, the
       42   proceeding shall be stayed until at least January 15, 2022. If such
       43   hardship declaration is provided to the foreclosing party or agent of
       44   the foreclosing party, such foreclosing party or agent shall promptly
       45   file it with the court, advising the court in writing the index number
       46   of all relevant cases.
       47     § 6. In any action to foreclose a mortgage in which a judgment of sale
       48   has been issued prior to the effective date of this act but has not yet
       49   been executed as of the effective date of this act, including actions
       50   filed on or before March 7, 2020, the court shall stay the execution of
       51   the judgment at least until the court has held a status conference with
       52   the parties. In any action to foreclose a mortgage, if the mortgagor
       53   provides a hardship declaration to the foreclosing party, the court, or
       54   an agent of the foreclosing party or the court, prior to the execution
       55   of the judgment, the execution shall be stayed until at least January
       56   15, 2022. If such hardship declaration is provided to the foreclosing