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200102665 <br />assignment of any awards, proceeds, damages or claims arising in connection with such condemnation <br />or taking as Lender may reasonably require. <br />12. BORROWER AND LIEN NOT RELEASED. From time to time, Lender may, at <br />Lender's option, without giving notice to or obtaining the consent of Borrower, Borrower's <br />successors or assigns or of any junior lienholder or guarantors, without liability on Lender's part and <br />notwithstanding Borrower's breach of any covenant or agreement of Borrower in this Instrument, <br />extend the time for payment of said indebtedness or any part thereof, reduce the payments thereon, <br />release anyone liable on any of said indebtedness, accept a renewal note or notes therefor, modify the <br />terms and time of payment of said indebtedness, release from the lien of this Instrument any part of <br />the Property, take or release other or additional security, reconvey any part of the Property, consent <br />to any map or plan of the Property, consent to the granting of any easement, join in any extension or <br />subordination agreement, and agree in writing with Borrower to modify the rate of interest or period <br />of amortization of the Note or change the amount of the monthly installments payable thereunder. <br />Any actions taken by Lender pursuant to the terms ofthis paragraph 12 shall not affect the obligation <br />ofBorrower or Borrower's successors or assigns to pay the sums secured by this Instrument and to <br />observe the covenants of Borrower contained herein, shall not affect the guaranty of any person, <br />corporation, partnership or other entity for payment ofthe indebtedness secured hereby, and shall not <br />affect the lien or priority of lien hereof on the Property. Borrower shall pay Lender a reasonable <br />service charge, together with such title insurance premiums and attorney's fees as may be incurred <br />at Lender's option, for any such action if taken at Borrower's request. <br />13. FORBEARANCE BY LENDER NOT A WAIVER. Any forbearance by Lender <br />in exercising any right or remedy hereunder, or otherwise afforded by applicable law, shall not be a <br />waiver of or preclude the exercise of any right or remedy. The acceptance by Lender of payment of <br />any sum secured by this Instrument after the due date of such payment shall not be a waiver of <br />Lender's right to either require prompt payment when due of all other sums so secured or to declare <br />a default for failure to make prompt payment. The procurement of insurance or the payment of taxes <br />or other liens or charges by Lender shall not be a waiver of Lender's right to accelerate the maturity <br />of the indebtedness secured by this Instrument, nor shall Lender's receipt of any awards. proceeds <br />or damages under paragraphs 5 and 11 hereof operate to cure or waive Borrower's default in <br />payment of sums secured by this Instrument. <br />14. ESTOPPEL CERTIFICATE. Borrower shall within twenty days ofa written request <br />from Lender furnish Lender with a written statement, duly acknowledged, setting forth the sums <br />secured by this Instrument and any right of set -off, counterclaim or other defense which exists against <br />such sums and the obligations of this Instrument. <br />15. UNIFORM COMMERCIAL CODE SECURITY AGREEMENT. This <br />Instrument is intended to be a security agreement pursuant to the Uniform Commercial Code for any <br />of the items specified above as part of the Property which, under applicable law, may be subject to <br />a security interest pursuant to the Uniform Commercial Code, and Borrower hereby grants Lender <br />a security interest in said items. Borrower agrees that Lender may file this Instrument, or a <br />reproduction thereof, in the real estate records or other appropriate index, as a financing statement <br />for any of the items specified above as part of the Property. Any reproduction of this Instrument or <br />of any other security agreement or financing statement shall be sufficient as a financing statement. In <br />1048094.1 10 <br />