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18. Borrower's Right to Reinstate. If eorrower mests certein conditfons, BoROwer shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other pe�iod as appiicable law may spec'rfy for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of'a judgment enforcing this Security Instrument. Those condkbns are that Borrower: (a) pays Lender all sums which then , wou�d be due under thfs Security Instrument and the Note as H no acceleration had occuRed; (b) cures any defauR of a�y other covenant or agreements; (c) pays all expenses IncuRed h enforcing this Securky Instrument, inck�ding, but not limked to, reasonable attorneys' fees; and (d) takes such action as Lender may reasonabiy requke to assure that the lien of this Security Instrument, Lender's � rights in the Property and Borrowers obligation to pay the sums secured by thfs Securky Instrument shall continue unchanged. Upon � reinstatement by Borrower, this Securky Instrument and the obligations secured hereby shall remafn fully effectNe as H no acceleration � , had occurred. However, this right to reinstate shall not appy in the case of acceleratbn under paragraph 17. 19. Sale of Note; Change of Loan Servicer. The Note or a partial interest fn the Note (together wRh this Securit� Instrument) may be soid one or more times without prior notice to Borrower. A sale may result in a change in the entfty (known as th� "Loan Servber") that collects monthly peyments due under the Note and this SecurRy Instrument. There also may be one or mor� changes of the Loan Serv�er unrelated to a sale of the Note. If there is a change of the Loan Servfcer, Borcower will be gNen wrkte� notice of the change h accordance wkh paragraph 14 above and appticable law. The notice will state the name and address of th� new Loan Servber and the address to wh�h payments should be made. The notice wiil also contain any other htonnatbn requked byQ applbabie law. 20. H8Z8rdou8 Sub8t8nCe8. Borrower shall not cause or permR the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. BoROwer shall not do, nor albw anyone else to do, anything affectfng the Property that is in vblation of any Envtonmental Law. The precedhg two sentences shell not apply to the presence, use, or storage on the Property of small quantRies of Hazardoua Substances that are yeneraly reco�nired to be appropriate to normal residentlal uses and to maintenance of the Property. BoROwer shall prompty give Lender written notbe of any investipatlon, clakn, demand, lawsuk or other action by any govemmental , or �egulatory agency or prNate party involving the Property end any Hazardous Substance or Envkonmental Law of which Borrower has actual knowledge. If Borrower leams, or is notNied by any govemmental or repulatory authorRy, that any removal or other remediatbn of any Ha=srdous Substance affecting the Property is necessary, Borrower shell prompty take all necessary remedial actlons In accordance wkh Ernironmental Law. As used fn this parayraph 20, "Hazardous Substances" are those substances deflned as toxb or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxfc pesticides and herbicides, volatile solvents, materials containfig asbestos or tormaldehyde, end radioactNe materials. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to heafth, safety or env�onmental protecNon. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 21. Acceleration; Remedies. Lender shall gfve notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement fn this Security InsVument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwfse). The notice shall specify: (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 Borrower, by whtch 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 of the sums secured by this Security Instrument and sale of the Property. The notice shall further Mform , 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 any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security InsVument without further demand and may invoke the power of sale and any other remedies permitted by appiicable law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21, including, but not Iimited to, reasonable attorneys' fees and costs of title evidence. If the power ot sale is invoked, Trustee shall record a notice of default in each county in which any part of the Property is located and shall mail copies of such notice in the manner prescribed 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 persons and in the manner prescribed by applicable law. Trustee, 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 parcels and in any order Trustee determines. Trustee may postpone sale of all or any parcei of the Property by public announcement at the time and place of any previously scheduled sale. Lender or its designee may purchase the Property at any sale. Upon receipt of payment of the price bid, Trustee shall deliver to the purchaser Trustee's deed conveying the Property. The recitals in the Trustee's deed shall be prima facie evldence of the truth of the statements made therein. Trustee shall apply the proceeds of the sale in the following order: (a) to all costs and expenses of exe�cising the power of sale, and the sale, including the payment of the Trustee's fees actually incurred, not to exceed 3 % of the principal amount of the note at the time of the declaration of default, and reasonable attorney's fees as permitted by law; (b) to all sums secured by this Security InsVument; and (c) any excess to the person or persons legaily entitled to it. 22. Reconveyance. Upon payment of all sums secured by this Securky Instrument, Lender shall request Trustee to reconvey the Property and shall sunender this Security Instrument and all notes evidencing debt secured by this Securfty Instn.iment to Trustee. Trustee shall reconvey the Property without wananty and without charge to the person or persons legally entitled to k. Such person or persons shall pay any recordation costs. 23. Substitute Trustee. Lender, at its option, may from Cime to time remove Trustee and appoint a successor tn�stee to any Trustee appointed hereunder by an instrument recorded in the county in which this Security Instn�ment is recorded. Wkhout conveyance of the Property, successor trustee shali succeed to all the titis, power and duties conferred upon Trustee herein and by applicable law. 24. Request for Notices. Borrower requests that copies of the notices oi defauR and sale be sent to Borrowers address which is the PropeRy Address. 25. Riders to this Security Instrument. If one or more riders are executed by Borcower and recorded together wkh this Security Instnrment, the covenants and agreements of each such rider shall be incorporeted into and shall amend and supplement the covenants and agreements of this Security Instrument as ff the rider(s) were a part of this Security Instrument. Form 302e 9/90 F1029.LM0(t0/97) Pape 4 of 5 ana ;