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19. Borrower's Right to Reinstate. If Borrower meets certain conditions, <br />Borrower shall have the right to have enforcement of this Security Instrument discontinued at <br />any time prior to the earlier of (a) 5 days (or such other period as applicable law may specify <br />for reinstatement) before sale of the property pursuant to any power of sale contained in this <br />Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those <br />conditions are that Borrower: (a) pays Lender all sums which then would be due under this <br />Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of <br />any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security <br />Instrument, including, but not limited to, reasonable attorney's fees; and (d) takes such action <br />as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's <br />rights in the Property and Borrower's obligation to pay the sums secured by this Security <br />Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security <br />Instrument and the obligations secured hereby shall remain fully effective as if no acceleration <br />had occurred. However, this right to reinstate shall not apply in the case of acceleration under <br />paragraph 18. <br />20. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the <br />Note (together with this Security Instrument) may be sold one or more times without prior <br />notice to Borrower. A sale may result in a change in the entity (the "Loan Servicer") that <br />collects monthly payments due under the Note and this Security Instrument. There also may <br />be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a <br />change of the Loan Servicer, Borrower will be given written notice of the change in <br />accordance with paragraph 15 above and applicable law. The notice will state the name and <br />address of the new Loan Servicer and the address to which payments should be made. The <br />notice will also contain any other information required by applicable law. <br />21. No Assignment. Until the loan secured by the First Deed of Trust has been <br />satisfied in full, the Lender and the Borrower agree that the Note and the Security Instrument <br />will not be assigned without the Senior Lien Holder's prior written consent. <br />22. Hazardous Substances. Borrower shall not cause or permit the presence, <br />use, disposal, storage, or release of any Hazardous Substances on or in the Property. <br />Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in <br />violation of any Environmental Law. The preceding two sentences shall not apply to the <br />presence, use, or storage on the Property of small quantities of Hazardous Substances that are <br />generally recognized to be appropriate to normal residential uses and to maintenance of the <br />Property. <br />Borrower shall promptly give Lender written notice of any investigation, claim, demand, <br />lawsuit or other action by any governmental or regulatory agency or private party involving <br />the Property and any Hazardous Substance or Environmental Law of which Borrower has <br />actual knowledge. If Borrower, learns, or is notified by any governmental or regulatory <br />authority, that any removal or other remediation of any Hazardous Substance affecting the <br />Property is necessary, Borrower shall promptly take all necessary remedial <br />11 <br />HOME DEED OF TRUST <br />