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19. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower <br />shall have the right to have enforcement of this Security Instrument discontinued at any time prior <br />to the earlier of (a) 5 days (or such other period as applicable law may specify for reinstatement) <br />before sale of the property pursuant to any power of sale contained in this Security Instrument; or <br />(b) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: <br />(a) pays Lender all sums which then would be due under this Security Instrument and the Note as <br />if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) <br />pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, <br />reasonable attorneys' fees; and (d) takes such action as Lender may reasonably require to assure <br />that the lien of this Security Instrument, Lender's rights in the Property and Borrower's obligation <br />to pay the sums secured by this Security Instrument shall continue unchanged. Upon <br />reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall <br />remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not <br />apply in the case of acceleration under 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 notice <br />to Borrower. A sale may result in a change in the entity (the "Loan Servicer") that collects <br />monthly payments due under the Note and this Security Instrument. There also may be one or <br />more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the <br />Loan Servicer, Borrower will be given written notice of the change in accordance with paragraph <br />15 above and applicable law. The notice with state the name and address of the new Loan <br />Servicer and the address to which payments should be made. The notice will also contain any <br />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 />with not be assigned without the Senior Lien Holder's prior written consent. <br />22. Hazardous Substances. Borrower shall not cause or permit the presence, use, <br />disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall <br />not do, nor allow anyone else to do, anything affecting the Property that is in violation of any <br />Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage <br />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. <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 the <br />Property and any Hazardous Substance or Environmental Law of which Borrower has actual <br />knowledge. If Borrower, learns, or is notified by any governmental or regulatory authority, that <br />any removal or other remediation of any Hazardous Substance affecting the Property is necessary, <br />Borrower shall promptly take all necessary remedial <br />12 <br />STANDARD DEED OF TRUST <br />CO <br />c -n <br />CD <br />cn <br />00 <br />co <br />N <br />M <br />