Or-PnOROM 2002131.10
<br />200214698
<br />18. Transfer of the Property or a Beneficial Interest in Borrower. As 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 decd, installment salsa ..[met or escrow agnccmral the intent of which ix the
<br />transfer of title by Borrower at a future date to a ptnchaser.
<br />If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a mail
<br />person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written cousent, Lender may
<br />require immediate payment in full of all guns Secured by this Security Instrument However, this option shall not be
<br />escrcierrd 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 />guns secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender
<br />may invoke my remedies permitted by this Security Instrument without further notice or demand on Borrower.
<br />19. Borrower's 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 my time prior to the earliest of: (a) five days before
<br />sale of the Property pursuant to my power of sale contained in this Security Instrument; (b) such other period as Applicable
<br />Law might specify for the termination of Bor'rower's right to reinstate; or (c) entry of a judgment enforcing this Security
<br />Instrument. Those conditions arc that Borrower: (a) pays Leader all sums which that would be due under this Security
<br />Instrument and the Note as if no acceleration had attuned; (b) cure, any default of my other covenanLV 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 Lender's interest in the Property
<br />and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's
<br />interest in the Pmperty and rights order this Security Instrument, and Borrower's obligation in pay the sums secured by this
<br />Security instrument, shall continue unchanged. Leader 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 />treasurer's check or coahier's check, provided my such check is drawn upon an institution whose deposits are insured by a
<br />federal agency, instnunentality or entity; or (d) Electronic Funds Transfer. Upon remsti temmt 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 Servicer, Notice of Grievance. The Now 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 "Loom Servicer") that collects Periodic Payments due under the Note and this Security
<br />Instrument and performs other mortgage loan servicing obligations trader the Not, this Security Instrument, and Applicable
<br />Law. There also might be one or more changes of the Loan Serviexr 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 stare 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 Loan Servicer other tban the
<br />purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be
<br />usua ai to a successor Loan Servief r and arc not assumed by the Now purchaser unless otherwise provided by the Now
<br />purchaser.
<br />Neither Borrower nor Lender my 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 party's actions pursumrt to this Security Intstrument or that alleges that the
<br />other party has breached my provision of, or my duty owed by reason of, this Security Instrument, until such Borrower or
<br />Lender has notified the otter 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 office to take sure Live actin.
<br />It Applicable Law provides a time period which must elapse before certain action can be taken, that time period will he
<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 n, B...wer pursuant to Section 18 shall he deemed In Satisfy the
<br />notice and opportunity to take corrective action provisions of this Section 20.
<br />21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" me those substances defined as
<br />toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following Substrates: 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 que:ated that relate to health, safety or environmental protection; (c) "Environmental Cleanup' include% my
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