In a Mortgage, an "Exculpatory Clause" Typically Is Used To

In a mortgage, an "exculpatory clause" typically is used to:

A) Exclude a portion of the property from the collateral securing the loan.
B) Prevent the lender from having recourse to the borrower, other than taking the collateral property.
C) Prevent the borrower from getting out of loan obligations by declaring bankruptcy.
D) Exclude the lender from culpability in the event the property owner is sued for damages by a user of the property.