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<br />shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not 
<br />apply in the case of acceleration under Section 18. 
<br />20. Sale of Mote; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in 
<br />the Note (together with this Security Instrument) can be sold one or more times without prier notice to 
<br />Borrower. A sale might result in a change in the entity *Own 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 RI~SPA 
<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 transl:erred 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 bo joined to any judicial action (as either an 
<br />Individual litigant or the member of a class) that arises from the other pasty's actions pursuant to this 
<br />Security Instrument or that alleges that the other party has breached any provision of, or any duty owned by 
<br />reason of, this Security Instrument, until such Borrower or Lender has notified the other panty (with such 
<br />notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the 
<br />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 trust 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 22 and the notice of acceleration given to 
<br />Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective 
<br />action provisions of this Section 20. 
<br />21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those 
<br />Substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the 
<br />following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides 
<br />and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; 
<br />(b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that 
<br />relate to health, safety or environmental protection; ((;) "Environmental Cleanup" includes any response 
<br />action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental 
<br />Condition" mans a condition that can cause, contribute to, or otherwise trigger an Environmental 
<br />Cleanup. 
<br />Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous 
<br />Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, 
<br />nor allow anyone else to do, anything affecting die Property (a) that is in violation of any Environmental 
<br />Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a 
<br />Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding 
<br />two sentences shall not apply to the presence, use, or storage on the Properly of small quantities of 
<br />Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to 
<br />maintenance of the :Property (including, but not limited to, hazardous substances in consumer products). 
<br />Dorrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit 
<br />or other action by any governmental or regulatory agency or private party involving the Property and any 
<br />Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any 
<br />Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of 
<br />release of any .Hazardous Substance, and (c) any condition caused by the presvuce, use or release of a 
<br />Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified 
<br />InW44+5 S_ �q 
<br />In alNF) 1OWBI pone 12 of 15 Form 3971D 1101 
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