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<br /> 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note
<br /> (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale
<br /> might result in a change in the entity (known as the "Loan Servicer) that collects Periodic Payments due under
<br /> the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note,
<br /> this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer
<br /> unrelated to a sale of the Note. If there is a change of the Loan Servicer,Borrower will be given written notice of
<br /> the change which will state the name and address of the new Loan Servicer, the address to which payments
<br /> should be made and any other information RESPA requires in connection with a notice of transfer of servicing. If
<br /> the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the
<br /> mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or he transferred to a
<br /> successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note
<br /> purchaser.
<br /> Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual
<br /> litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or
<br /> that alleges that the other party has breached any provision of or any duty owed by reason of, this Security
<br /> Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance
<br /> with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable
<br /> period after the giving of such notice to take corrective action. If Applicable Law provides a time period which
<br /> must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of
<br /> this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and
<br /> the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and
<br /> opportunity to take corrective action provisions of this Section 20.
<br /> 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances
<br /> defined as toxic or hazardous substances, pollutants. or wastes by Environmental Law and the following
<br /> substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides,
<br /> volatile solvents, materials containing asbestos or formaldehyde. and radioactive materials; (b) "Environmental
<br /> Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or
<br /> environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or
<br /> removal action, as defined in Environmental Law;and (d)an "Environmental Condition" means a condition that
<br /> can cause, contribute to, or otherwise trigger an Environmental Cleanup.
<br /> Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances,
<br /> or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone
<br /> else to do, anything affecting the Property (a)that is in violation of any Environmental Law,(b)which creates an
<br /> Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a
<br /> condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the
<br /> presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally
<br /> recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not
<br /> limited to, hazardous substances in consumer products).
<br /> Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other
<br /> action by any governmental or regulatory agency or private party involving the Property and any Hazardous
<br /> Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition,
<br /> including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous
<br /> Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which
<br /> adversely affects the value of the Property. if Borrower learns, or is notified by any governmental or regulatory
<br /> authority, or any private party. that any removal or other remediation of any Hazardous Substance affecting the
<br /> Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with
<br /> Environmental Law.Nothing herein shall create any obligation on Lender for an Environmental Cleanup.
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