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<br />20. Sale of Note; 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 timcs without prior notice to
<br />Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that colleds
<br />Periodic Payments duc undcr the Note and this Security Instrument and performs other mortgage loan
<br />servicing obligations under the Note, this Security Instrumcnt, and Applicablc Law. Thl,'fc also might bc
<br />one or m<:tre changes of the Loan Servicer unrelated to a salc of the Note. If there is a change of the Loan
<br />Scrvicer, Borrower will bc givcn writtcn noticc of the change which will state the name and address of the
<br />ncw Loan Scrviccr, thc addrcss to which payments should be made and any other information RESPA
<br />requires in connection with a notice of transter of servicing. If the Note is sold and thereafter the Loan is
<br />serviccd by a Loan Servieer othcr than the purchaser of the Note, the mortgage loan servicing obligations
<br />to Borrower will remain with the Loan Servicer or be transferred 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 be joined to any judicial action (as either an
<br />individual litigant or the member of a class) that arises from the othcr party's actions pursuant to this
<br />Sccurity Instrument or that alleges that the other party has breached any provision of, or any duty owed by
<br />reason of, tbis Security Instrument, until such Borrower or Lender has notified the other party (with such
<br />notice given in compliance with the requirements of Section IS) of such alleged breach and afforded the
<br />other party hercto a rcasonable period after the giving of such notice to take corrective action. If
<br />Applicable Law provides a time period which must elapse before certain action can be taken, that time
<br />period will bc deemed to be reasonable for purposes of this paragraph. The notice of acceleration and
<br />opportunity to cure given to Borrower pursuant to Sedion 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 Substanccs" are thosc
<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 />fmd herbicidcs, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials;
<br />(b) "Environmental Law" means federal laws and laws of the jurisdiction where the Propcrty is locatcd that
<br />rclate to health, safety or environmental protection; (c) "Environmental Cleanup" ineludes any response
<br />action, remcdial action, or removal action, as defined in Environmental Law; and (d) an "Environmcntal
<br />Condition" means a condition that can cause, contributc 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 affccting the Property (a) that is in violation of any Environmental
<br />Law, (b) which creates an Environmental Condition, or (c) which, due to the presencc, usc, or rclcasc of a
<br />Hazardous Substance, creates a condition that adversely atTeds the value of thc Property. The preceding
<br />two sentenccs shall not apply to the presence, use, or storage on the Property of small quantities of
<br />Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to
<br />maintcnancc of the Property (including, but not limited to, hanlrdous substances in consumer products).
<br />Borrowcr shall promptly give Lendcr written notice of (a) any investigation, claim, dcmand, lawsuit
<br />or other action by any govcrnmcntal or rcgulatory 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 presence, use or release of a
<br />Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified
<br />by any governmental or regulatory authority, or any privatc party, that any removal or other remediation
<br />of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary
<br />remedial actions in accordance with Environmcntal Law. Nothing hcrcin shall create any obligation on
<br />Lcnder for an Environmental Cleanup.
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