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200206668 12. Borrawvr Nat R&Ieased; TwObowaiav, k, Lwz'e-v I -Y-6t - AJiMr- Evv2sim Of the time fcc Cr =0aff-mam - " - ' -� h===A= P3=wd S=r � }.1C L=Kkr to SC'--=ss--C w -kase th= habdim- of Bocraw= cc my Interest of Borruw . Leader s&-u ;3= be reT---v-' top Reza r V==dff-P 21MY Srseeexyoe it Irrurm of 96VTOUVT or wre!bse L.1 0XIMd MW tbr, pom:weist CW odugWise Modify aroaguza6m of zhc t-ums seti-.ured by this Security IaAr44= ;°y -,.vasap of 3zi, &=rA =ad-- by the original Borrower or any Successors in Interest of %.rrower. Any forbearance by LerAer is exercising any right or remedy iuclndiag. without limitation, Leaders acceptance of payments from bard entities or Successor, in 'nv-" of Borrower or in amounts 'ens 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. Borrower covenants =d agrees that Borrower's obligations and liability shall be joint =d scvrrul. However. any Borrower who co-signs this Security instrument but does not execute the Note (a 'co-sigoer')- (a) is co-signing this Security Instrument only to mortgage, grant and con%ry the co-signers interest in the Property under the terms Of this Security Irt-strumcm: ("') is not Personally obligated to pay the 9mis se=,rd by this Security Instrument; and (c) agrees that Ler,4ar and any other Borrower can agree to extend, modify. forbear or make any accommodations with regard to the term of this Security Instrument or the ',Note without the co-signer's consent- Subject to the provisions of Section 18. any Succewvr in Interest of Borrower who wminics Borrower's obligations under this Security Instrument in writing. and is approved by Lender. %lubll obtain all of Borrower's rights and benefits under this Security tristrumc-rit. Borrower shall not be released from Borrowers obligation-; and liability under this Security Instrument unless Lender agrees to such rcicase in writing. The covemrits, and agreements of this Security Ins7ament shah bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14- Loin Charges- Lender may charge -Rorrowim fe-- for senices performed in connection with Borrower's default, fer the purpose of protecting Lender's interest in Jr Property and fight1f under this Security Instrument, including, but not limited to, artorncys' fcc& property inspection and valuatic-n fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a spovific fee to Borrower -hall not be comstrued as a prohibition on L�c charging of such fee. Lender may wit charge f that �N harg m are expressly prohibited by this Stcurit% Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan J=gcs. and that law is finally interpreted so that the interest or other loan charges collected or to be coilc--.ed in connection w-111! the Loan exceed the permitted limits, then: (a) any Such loan charge shall be reduced by the amount necessary to roduce the charge to the 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 refund 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 par-dal prepayment without any prepayment charge (whether or not 3 prepayment charge is provided for under the Note). Borrowers acceptance of any such refund 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 ncticec given by Borrower or Lender in crnn=tion with this Security Instrument must b,- in -wnung. Any notice to Borrower in connection with this security instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means- Notice to any one Borrower shall constitute notice w all Borrowers unless Applicable Law expressly requires other Page 16 of I i a Form 3023 1M I