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, . 200702602 judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; ( c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation lees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as ifno acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice ofGl"ievance, The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note ~nd this Security Instru':!1ent and performs-other.mortgage loan servicing obli~ations under. the Note, this Security Instrument, and Appheable-Law;- There also mtghthe one or more changes oHhe Loan SerViceI' unrelated to a sale ofthe Note. Ifthere IS a changeofthe Loan SerVICeI', Borrower will be given written notice of the change which will state the name and address ofthe new Loan ServiceI', the address to which payments should be made and any other infornifltion RESPA requires in connection with a notice ortransfer ofservicll1g. Ifthe Note is sold and therealler the LoluMs-iervlced by a Loan ServiceI' other than the purchaser ofthe Note, the mortgage loan servicing obligations to Borrower will remain with the Loan ServiceI' or be transferred to a successor Loan ServiceI' and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises trom the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes ofthis paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfY the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by EnVironmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined 111 Environmental Law; and (d) an "Environmental CondItion" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anythin~ affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental ConditIon, or (c) which, due to the presence, use, or release ofa Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Prorerty of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residentia uses and to maintenance ofthe Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental 01' regulatory agency or private party involving the Proper!>, and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any EnVironmental Condition, including but not limited to, any spilling, leaking, discharge, release 01' threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of al-lazllrdous Substance which ndversely affects the value ofthe Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law, Nothing herem shall create any obligatIon on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Accele..ation; Remedies. Lender shall give notice to Borrower prior to acceleration following Bo....ower's b..each of any covenant or agreement in this Security Instl'ument (but not pl'io.. to acceleration undel'Section 18 unless Applicable Law provides otherwise). The notice shall specity: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Bo..rowe.., by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration ofthe sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non-existence of a default or anr. other defense of Borrower to acceleration and sale. Uthe default is not cured on or before the date speCified in the notice, Lender at its option may requi..e immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs oftitle evidence. If the power of sale is invoked, Trustee shall record a notice of default in each county in which any pa..t of the Property is located and shall mail copies of such notice in the manner prescl"ibed by Applicable Law to Borrower and to the other persons prescribed by Applicable Law. After the time required by Applicable Law, Trustee shall give public notice of sale to the pe..sons and in the manner p..escl"ibed by Applicable Law, T..ustee, without demand on Borrower, shall sell the Property at public auction to the highest bidder at the time and place and under the terms designated in the notice of sale in one or more pa..cels and in any OI"der Trustee determines. Trustee may postpone sale of all 0.. any pa I"cel of the Prope..ty by public announcement at the time and place ofany previously scheduled sale. Lendel' or its designee may purchase the Propel'ty at any sale, Upon receipt of payment of the price bid, Trustee shall deliver to the purchaser Trustee's deed conveying the Propel'ty. The I'ecitals in the Trustee's deed shall be prima facie evidence of the t..uth ofthe statements made therein. Trustee shall apply the proceeds oftlle sale in the following orden (a) to all costs NEllIlASKA-.Single Fnmily--Fallllie Mae/Freddie Mae IJNIFORM INSTIUJMENT Form 3028 1/01 (page 7 of8 pages) 17213.CY (3/06) 01-2112 (;r'eative Thinking, Ine, ~J. IV ~J GOTO(000ba7f3 )