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202500253 12. Buyer Not Released; Forbearance By Seller Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Seller to Buyer or any Successor in Interest of Buyer shall not operate to release the liability of Buyer or any Successors in Interest of Buyer. Seller shall not be required to commence proceedings against any Successor in Interest of Buyer or to refuse 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 Buyer or any Successors in Interest of Buyer. Any forbearance by Seller in exercising any right or remedy including, without limitation, Seller's acceptance of payments from third persons, entities or Successors in Interest of Buyer or in amounts less 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-signers; Successors and Assigns Bound. Buyer covenants and agrees that Buyer's obligations and liability shall be joint and several. However, any Buyer who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's 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 (c) agrees that Seller and any other Buyer can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Buyer who assumes Buyer's obligations under this Security Instrument in writing, and is approved by Seller, shall obtain all of Buyer's rights and benefits under this Security Instrument. Buyer shall not be released from Buyer's obligations and liability under this Security Instrument unless Seller agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Seller. 14. Murabaha Debt Charges. Seller may charge Buyer fees for services performed in connection with Buyer's default, for the purpose of protecting Seller's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Buyer shall not be construed as a prohibition on the charging of such fee. Seller may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Murabaha Debt is subject to a law which sets maximum Murabaha Debt charges, and that law is finally interpreted so that the Murabaha Debt charges collected or to be collected in connection with the Murabaha Debt exceed the permitted limits, then: (a) any such Murabaha Debt charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Buyer which exceeded permitted limits will be refunded to Buyer. Seller may choose to make this refund by reducing the Murabaha Debt owed under the Note or by making a direct payment to Buyer. Buyer's acceptance of any such refund made by direct payment to Buyer will constitute a waiver of any right of action Buyer might have arising out of such overcharge. 15. Notices. All notices given by Buyer or Seller in connection with this Security Instrument must be in writing. Any notice to Buyer in connection with this Security Instrument shall be deemed to have been given to Buyer when mailed by first class mail or when actually delivered to Buyer's notice address if sent by other means. Notice to any one Buyer shall constitute notice to all Buyers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Buyer has designated a substitute notice address by notice to Seller. Buyer shall promptly notify Seller of Buyer's change of address. If Seller specifies a procedure for reporting Buyer's change of address, then Buyer shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Seller shall be given by delivering it or by mailing it by first class mail to Seller's address stated herein unless Seller has designated another address by notice to Buyer. Any notice in connection with this Security Instrument shall not be deemed to have been given to Seller until actually received by Seller. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security