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MAY. 29. 2013 3:O1 PM WELLS FARGO HM MTG Na 8159 P. 31 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lander to Borrower or tiny Successor in Interest of Borrower than not operate to release the liability of Borrower or any Successors In Interest of Borxpwgr. Lender shall not be required to Commence proceedings against any Sumner in interest of Borrower or to refute to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument[ by reason of any demand made by the original Borrower ar any Successors tut Interest of Borrower. Arty ,forbearance by Lender in exorcising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts leas than the amount then due. shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability! Co- signors; Sue /manor° end Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co - signs thin Security Instrument but does not execute the Note (a "co signer "): (a) is Co- signing this Seewity Instrument only to mortestee, grant and convey the co interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument, and CO agrees that Loader and any other Borrower eau agree to extend, modify, forbear or make any accoltuttodations with regard to the terms of Mb Security Instn n ent or the Note without the co-signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instnnnent in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. 2be covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and beneiii the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed In connection with Borrower's default, for the purpose of peotocting Lodes' intextat M. the property and rights under this security Inamnncnt, including, but not limited to attorneys' fees, property inspection and valuation fees. In regard to any other foes, the absence of express authority in ttult Security hutment to charge a specific fee to Borrower shall not be conatraed as a prohibition On the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is aubjcct to a law which Sets maximum Ioan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Lora emceed the perelitced limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to rho permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this rebind by reducing the principal owed under the Note or by making a direct payment to ]borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment witircut any prepayment charge (whether or not a prepayment Charge is provided for wader the Note). Borrower's acceptance of any such refs d made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument moat be in writing. Any notice to Borrower in connection with this Security Instrument shall be domed to have been given to Borrower when mailed by first class mail of when actually delivered to Borrower's notice address If stmt by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Pmpraty Address unless Borrower has 14211106 4evelneo FamNy- Fonnio Mao/Feed& Mm UNWOIIM INCTrIUMINT vnrr e Wailers KIun r Finpnvlpl 4pracea 2Q130 4339 Man 30.28 tqi PIO 1.1 of 17 05/29/2013 4:01PM (GMT- 05:00) L