Cardona, P.J.
In 1992, defendant Kathryn Duvall purchased certain commercial waterfront property in St. Lawrence County for $250,000 from Mary Cecilia Briggs and Peter Ward. The purchase was partially financed by the sellers who took back a note and mortgage, dated January 30, 1992, in the amount of $150,000. Among other things, this first mortgage provided that, in the event of a default, the lenders "may declare the full amount of the Debt to be due and payable...
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