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