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<br />18.Transter of the Property or a Beneficial Interest in BormwerAs used in this Section 18, Interest in the
<br />Property means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests
<br />transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the
<br />transfer of title by Borrower at a future date to a purchaser.
<br />If all or any part of the Property or any Interest in the Property is sold or transferred (or if Burrower is not a natural
<br />person and a beneficial interest in Borrower is sold or transferred) without Lenders prior written consent, Lender may
<br />require immediate payment in full of all sums secured by this Security Instrument However, this option shall not be
<br />exercised by Lender if such exercise is prohibited by Applicable Law.
<br />If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of
<br />not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all
<br />sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender
<br />may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower.
<br />19.Bormwers Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have
<br />the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before
<br />sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable
<br />Law might specify for the termination of Borrowers right to reinstate; or (c) entry of a judgment enforcing this Security
<br />Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security
<br />Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements;
<br />(c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys fees,
<br />property inspection and valuation fees, and other fees incurred for the purpose of protecting Lenders interest in the Property
<br />and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lenders
<br />interest in the Property and rights under this Security Instrument, and Borrowers obligation to pay the sums secured by this
<br />Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses
<br />in one or more of the following forms, as selected by Lender: (a) cash; (b) money order, (c) certified check, bank check,
<br />treasurers check or cashiers check, provided any such check is drawn upon an institution whose deposits are insured by a
<br />federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security
<br />Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right
<br />to reinstate shall not apply in the case of acceleration under Section 18.
<br />20.Sale of Note; Change of Loan Scrvicer, Notice of Grievance. The Note or a partial interest in the Note (together
<br />with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a
<br />change in the entity (known as the Loan Servicer) that collects Periodic Payments due under the Note and this Security
<br />Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable
<br />Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the
<br />Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan
<br />Servicer, the address to which payments should be made and any other information RESPA requires in connection with a
<br />notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Low Servicer other than the
<br />purchaser of die 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 Now 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 litigant or
<br />the member of a class) that arises from the other partys actions pursuant to this Security Instrument or that alleges that the
<br />other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or
<br />Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such
<br />alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action.
<br />If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be
<br />deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower
<br />pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy die
<br />notice and opportunity to take corrective action provisions of this Section 20.
<br />21.Hazamom Substances. As used in this Section 21: (a) hazardous Substances are those substances defined as
<br />toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene,
<br />other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos
<br />or formaldehyde, and radioactive materials; (b) Environmental Law means federal laws and laws of the jurisdiction where
<br />the Property is located that relate to health, safety or environmental protection; (c) Environmental Cleanup includes any
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