or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not
<br />limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for
<br />the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and
<br />(d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property
<br />and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this
<br />Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement
<br />sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money
<br />order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is
<br />drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d)
<br />Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations
<br />secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to
<br />reinstate shall not apply in the case of acceleration under Section 17.
<br />19. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest
<br />in the Note (together with this Security Instrument) can be sold one or more times without prior notice to
<br />Borrower. A sale might result in a change in the entity (known as the "Loan Servicer ") that collects
<br />Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan
<br />servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be
<br />one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan
<br />Servicer, Borrower will be given written notice of the change which will state the name and address of the
<br />new Loan Servicer, the address to which payments should be made and any other information RESPA
<br />requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is
<br />serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations
<br />to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not
<br />assumed by the Note purchaser unless otherwise provided by the Note purchaser.
<br />Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an
<br />individual litigant or the member of a class) that arises from the other party's actions pursuant to this
<br />Security Instrument or that alleges that the other party has breached any provision of, or any duty owed
<br />by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with
<br />such notice given in compliance with the requirements of Section 14) of such alleged breach and afforded
<br />the other party hereto a reasonable period after the giving of such notice to take corrective action. If
<br />Applicable Law provides a time period which must elapse before certain action can be taken, that time
<br />period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and
<br />opportunity to cure given to Borrower pursuant to Section 24 and the notice of acceleration given to
<br />Borrower pursuant to Section 17 shall be deemed to satisfy the notice and opportunity to take corrective
<br />action provisions of this Section 19.
<br />20. Hazardous Substances. As used in this Section 20: (a) "Hazardous Substances" are those
<br />substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and
<br />the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic
<br />pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and
<br />radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the
<br />Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup"
<br />includes any response action, remedial action, or removal action, as defined in Environmental Law; and
<br />(d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an
<br />Environmental Cleanup.
<br />Borrower shall not cause or permit the presence, use, disposal, storage, or release of any
<br />Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property.
<br />Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation
<br />of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the
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