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201202433 14. Hazardous substances. Borrower shall not cause or permit the presence,use,disposal,storage,or release of any hazardous substances on or in the property. The preceding sentence shall not apply to the presence,use, or storage on the property of small quantities of hazardous substances that are generally recognized to be appropriate to normal use and maintenance of the property. Borrower covenants that Borrower has made full disclosure of any such known, existing hazardous conditions affecting the property. Borrower shall not do,nor allow anyone else to do,anything affecting the property that is in violation of any federal, state,or local environmental law or regulation. Borrower shall promptly give the Government written notice of any investigation, claim, demand,lawsuit or other action by any governmental or regulatory agency or private party involving the property and any hazardous substance or environmental law or regulation of which Borrower has actual knowledge. If Borrower learns,or is notified by any governmental or regulatory authority,that any removal or other remediation of any hazardous substance affecting the property is necessary,Borrower shall promptly take all necessary remedial actions in accordance with applicable environmental law and regulations. As used in this paragraph,"hazardous substances"are those substances defined as toxic or hazardous substances by environmental law and the following substances: gasoline,kerosene,other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents,materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph, "enviromnental law"means Federal laws and regulations and laws and regulations of the jurisdiction where the property is located that relate to health, safety or enviromnental protection. 15. Adjustment; release; waiver; forbearance, Hr accordance with Government regulations,the Government may (a)adjust the interest rate,payment, terms or balance due on the loan, (b) increase the mortgage by an amount equal to deferred interest on the outstanding principal balance, (c)extend or defer the maturity of, and renew and reschedule the payments on the note, (d) release any party who is liable under the note from liability to the Government, (e)release portions of the property and subordinate its lien, and (f)waive any other of its rights under this instrument. Any and all of this can and will be done without affecting the hen or the priority of this instrument or Borrower's liability to the Government for payment of the note secured by this instrument unless the Government provides otherwise in writing. HOWEVER,any forbearance by the Government-whether once or often-in exercising any right or remedy under this instrument,or otherwise afforded by applicable law,shall not be a waiver of or preclude the exercise of any such right or remedy. 16. Graduation. If the Government determines that Borrower may be able to obtain a loan from a responsible cooperative or private credit source at reasonable rates and terms for loans for similar purposes and periods of time,Borrower will,upon the Government's request, apply for and accept such a loan in sufficient amount to pay the note secured by this instrument and to pay for stock necessary to be purchased in a cooperative lending agency in connection with such loan. 17. Forfeiture. Borrower shall be in default if any forfeiture action or proceeding,whether civil or criminal,is begun that in the Government's good faith judgment could result in forfeiture of the property or otherwise materially impair the lien created by this instrument or the Government's security interest. Borrower may cure such default by causing the action or proceeding to be dismissed with a ruling that precludes forfeiture of the Borrower's interest in the property or other material impairment of the lien created by this security instrument or the Government's security interest. 18. False statement. Borrower also shall berm default if Borrower, during the loan application process,gave materially false or inaccurate information or statements to the Government(or failed to provide the Government with any material information)in connection with the loan evidenced by the note. 19. Cross Collateralization. Default under this instrument shall constitute default under any other security instrument held by the Government and executed or assumed by Borrower. Default under any other such security instrument shall constitute default under this instrument. 20. Highly erodible land; wetlands. Any loan secured by this instrument will be in default if Borrower uses any loan proceeds for a purpose that will contribute to excessive erosion of highly erodible land or to the conversion of wetlands to produce an agricultural commodity as provided in 7 C.P.R.part 1940,subpart G,or any successor Government regulation. 21. Non-discrimination. If any part of the loan for which this instrument is given shall be used to finance the purchase, construction or repair of property to be used as an owner-occupied dwelling(herein called"the dwelling") and if Borrower intends to sell or rent the dwelling and has obtained the Government's consent to do so (a) neither Borrower nor anyone authorized to act for Borrower will,after receipt of a bona fide offer,refuse to negotiate for the sale or rental of the dwelling or will otherwise make unavailable or deny the dwelling to anyone because of race, color,religion,sex,national origin, disability,familial status or age, and (b)Borrower recognizes as illegal and hereby disclaims, and will not comply with or attempt to enforce any restrictive covenants on the dwelling relating to race, color,religion, sex,national origin,disability, familial status or age. initial,.-i1-o date FSA 1927-1 NE(01-28-5)Page 4 of7