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Rorrower Not Reltasedt Forbee�ance IIy 4endu Not a Wpiver. Bxteniton of the.tlm0 foi yayment_8r <br /> cetion ot emonizadon ot�he�um�saured by thh 8eewiry instNment grantW bp Lender to any wxeusqt it�Intsreat " <br /> ot Bottower ihn11 pot opemte ro�olease the llebiliry of�he odglnel8ortowu or Bomowerb aucaesson in interosf.LendCr <br /> ehult not be uUed to commence proceedingi egainat eny mcceawr In lntercac or rcfusa to extend time tor payment or <br /> ahernlse mod�amortba8on ottlw eume secured by thii Securtty Inshumen[by meson of eny demend made by tho priBihal <br /> Bo[rower or Hortower§wcceawn in imereat. Any fo[6earence by l.ender in exercfiing eny rtght or remedy iTiall not be e <br /> wdverofrnprccludetheexerciseofenydghtorremedy. <br /> 12. Successore and Asslgaa Boundt Jotnt end Sereral Uabllityi Co•s�gnero. 7Le covenanw and egmementa otthia <br /> - 3ecudry Ins�mment ehalt bind end benafi[ehe wccesson and eseigni of Lendu and Bortower,wbJect ro Ihe proviatotu ot <br /> paregreph 17.Bortowerti mvenente end egrcememe ehetl he jofnt ond sevcrel.My Bortowu who co-algne thl�8xurtty <br /> � Instntment but dow not oxecute�he Noto: (e)i�co�signing lhb Secudty Inswment only to mortgege,grant and eonvey Ihat <br /> Ho[rowuY intercat in the Propeny under Ne terma otthi�Secudty InstNmem; (b)te no[personally obllgated to pay the�mtu <br /> cceuttd by thb Secudry Inswment;ond(e)egrcc�thet Lendor end my othu Bortower may egree to oxtenQ modify,forbeet <br /> or meke eny accommodeNom whh rcgerd ro iho tcrm�of�h4 Saudty InswmeN or tho Note wtthout that Borrowert <br /> consenc <br /> 13. Laan Chq�gea. It�he loan secured by�hi�SecuAty Inarvmene I� subject ro a la�v�vhich wu maximum loan <br /> chergw,end thnt law 1�finaily InroRrcted so�hat�ho intercat or other loan cherges collaYed or ro be colluled In connallon <br /> wilii iiro loan a«<ctllnc pirtnilti3 Lni{la�Iheir. (nl ei�y wcFi t'vui�chu3a:h�ll�r..du«I by thL 01110Uni lW.CL:!'1!y f0 f!d'!C9 <br /> the charae to ihe pemilucd IImU;end(b)any�um�alrcady collected fmm Borrower which oxaededpermttted Ilmlte wlll be <br /> rcfundedto Bortower. Lender mey choose to makc thi�rcPond by reducing the princlpal owed under the Note or by making a <br /> direct payment to Borrower. If a rcfund reduces pdncip�l,the reduction�vill be trcated ea a partial prcpayment without eny <br /> prcpayment ehorge under�he Note. <br /> 10. Noticea. Any notice to Borrower provided tor in �his Saurity Insuument�hall bo given by dellvedng It or by <br /> malUng it by flnt eleu meil unlw epplicable Inw rcquircs use of anather muhod.The noAtt shall be directW to Ihe Propeny <br /> Addrcsa or eny other eddress Oorrower designaus by natice lo Lendec Any no�ice io Lender�hell be given by first eleas <br /> mell to LenderY addmss stnted herein or nny o�er addms.+Lender deaigneics by notitt to Bortower. Any no�ice provldW tor <br /> in �hia Saurity Instrument sbnll be deemed to havc been giren �o BoROwcr or Lader whcn given ai provided in ihia <br /> paragreph. <br /> 15. Governing Lnw;Severeblltty. This Sceumy Instmmem shell be govemed by (ederal Inw end �he lew of Ihe <br /> Judsdictlon in which ihe Property is laceted. In the evem�hai ony provision or cl¢use of ihis Securiry Inswment or Ne Note <br /> conflici:wf�h appiicable luw,such canflict ahall nat affttt other provisions of this Security lnstrument or the Noie whieh can <br /> be given effat without the conflicting proviaion. To�his end the provisians of�his Securiry Inswmem end�he Nole ere _ <br /> dalarW�o be severeble. -. <br /> 16. 6orro�ver'e Copy. 6ortowcr shnll be givcn one mn(onned mpy o(ihc Note md ot�hia Securiry Instrument _ <br /> 17. 7Fenshr of the Property or a Deneficlal Intaest In Dorro�rer. If nll or nny pan of the Propercy or any interest in , <br /> it is sold or tmnskrnd(or if n Mncficiai inrercu in 8ofmwer iti.old or tmns(errcd md �ortower ia not a newml persoN <br /> without Lenderk prior wriuen conscnt,Lcndcr mry,at iu option,rcyuirc immedinte paymem in(ull of alI sums securcd by _ <br /> tAis Securiry Inswment. Ho�vever,�his option shall noi be exereiud by Lender itexcaiu ix pmhibited by fede�al law a+of , <br /> �he dn�e of this Security Instrumem. _ <br /> If Lender exercises�his opiion,Lender.Iwll give Rorcunrr nu�ice of accelem�ion The natice xhall provide a period of <br />