OPINION OF THE COURT
JOHN W. GROW, J.
Plaintiff, Manufacturers & Traders Trust Company, as trustee, hereinafter bank, brings this action to foreclose a real property mortgage on premises owned by defendants Dougherty after their default in principal and interest payments. All defendants defaulted in appearing or answering the bank's complaint. The appointed referee determined the mortgage balance to be $81,871.41. The mortgage provides that in the
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