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<br />valuation fees; and (iii) other fees incurred to protect Lender's interest in the Property and/or rights under this Security
<br />Instrument or the Note; and (dd) take such action as Lender may reasonably require to assure that Lender's interest in the
<br />Property and/or rights under this Security Instrument or the Note, and Borrower's obligation to pay the sums secured by this
<br />Security Instrument or the Note, will continue unchanged.
<br />Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms,
<br />as selected by Lender: (aaa) cash; (bbb) money order; (ccc) certified check, bank check, treasurer's check, or cashier's check,
<br />provided any such check is drawn upon an institution whose deposits are insured by a U.S. federal agency, instrumentality, or
<br />entity; or (ddd) Electronic Fund Transfer. Upon Borrower's reinstatement of the Loan, this Security Instrument and obligations
<br />secured by this Security Instrument will remain fully effective as if no acceleration had occurred.
<br />21. Sate of Note. The Note or a partial interest in the Note, together with this Security Instrument, may be sold or
<br />otherwise transferred one or more times. Upon such a sale or other transfer, all of Lender's rights and obligations under this
<br />Security Instrument will convey to Lender's successors and assigns.
<br />22. Loan Servicer. Lender may take any action permitted under this Security Instrument through the Loan Servicer or
<br />another authorized representative, such as a sub -servicer. Borrower understands that the Loan Servicer or other authorized
<br />representative of Lender has the right and authority to take any such action.
<br />The Loan Servicer may change one or more times during the term of the Note. The Loan Servicer may or may not be
<br />the holder of the Note. The Loan Servicer has the right and authority to: (a) collect Periodic Payments and any other amounts
<br />due under the Note and this Security Instrument; (b) perforin any other mortgage loan servicing obligations; and (c) exercise
<br />any rights under the Note, this Security Instrument, and Applicable Law on behalf of Lender. 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 new Loan Servicer,
<br />the address to which payments should be made, and any other information RESPA requires in connection with a notice of
<br />transfer of servicing.
<br />23. Notice of Grievance. Until Borrower or Lender has notified the other party (in accordance with Section 16) of an
<br />alleged breach and afforded the other party a reasonable period after the giving of such notice to take corrective action, neither
<br />Borrower nor Lender may commence, join, or be joined to any judicial action (either as an individual Iitigant or a member of a
<br />class) that (a) arises from the other party's actions pursuant to this Security Instrument or the Note, or (b) alleges that the other
<br />party has breached any provision of this Security Instrument or the Note. If Applicable Law provides a time period that must
<br />elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this Section 23. The
<br />notice of Default given to Borrower pursuant to Section 26(a) and the notice of acceleration given to Borrower pursuant to
<br />Section 19 will be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 23.
<br />24. Hazardous Substances.
<br />(a) Definitions. As used in this Section 24: (i) "Environmental Law" means any Applicable Laws where the Property
<br />is located that relate to health, safety, or environmental protection; (ii) "Hazardous Substances" include (A) those substances
<br />defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law, and (B) the following substances:
<br />gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials
<br />containing asbestos or formaldehyde, corrosive materials or agents, and radioactive materials; (iii) "Environmental Cleanup"
<br />includes any response action, remedial action, or removal action, as defined in Environmental Law; and (iv) an "Environmental
<br />Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup.
<br />(b) Restrictions on Use of Hazardous Substances. Borrower will not cause or permit the presence, use, disposal,
<br />storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property.
<br />Borrower will not do, nor allow anyone else to do, anything affecting the Property that: (i) violates Environmental Law; (ii)
<br />creates an Environmental Condition; or (iii) due to the presence, use, or release of a Hazardous Substance, creates a condition
<br />that adversely affects or could adversely affect the value of the Property. The preceding two sentences will not apply to the
<br />presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be
<br />appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances
<br />in consumer products).
<br />(c) Notices; Remedial Actions. Borrower will promptly give Lender written notice of: (i) any investigation, claim,
<br />demand, lawsuit, or other action by any governmental or regulatory agency or private party involving the Property and any
<br />CALIFORNIA—Single Family—Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Form 3005 07/2021
<br />CALIFORNIA DEED OF TRUST (SIDOT.CA)
<br />25283.8 (11/22) Page 14 of 17 BANK OF AMERICA, N.A.
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