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<br />Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan
<br />Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written
<br />notice of the change which will state the name and address of the new Loan Servicer, the address to which
<br />payments should be made and any other information RESPA requires in connection with a notice of transfer of
<br />servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of
<br />the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be
<br />transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided
<br />by the Note 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 14) 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 Section. 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 17 shall be deemed to satisfy the notice and
<br />opportunity to take corrective action provisions of this Section 19.
<br />20. Borrower Not Third - Party Beneficiary to Contract of Insurance. Mortgage Insurance reimburses
<br />Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the
<br />Loan as agreed. Borrower acknowledges and agrees that the Borrower is not a third party beneficiary to the
<br />contract of insurance between the Secretary and Lender, nor is Borrower entitled to enforce any agreement
<br />between Lender and the Secretary, unless explicitly authorized to do so by Applicable Law.
<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.
<br />FHA Deed of Trust -NE 9/3012014
<br />Bankers Systems TMVMP ® VMP4R(NE) (1506).01
<br />Wolters Kluwer Financial Servces Page 11 of 14
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