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2o1�o�ss� 11. Reinstatemen� Borrower has a right to be reinstated if Lender has required immediate payment-in-full. This right applies even after foreclosure proceedings aze instituted. To reinstate this Security Instrument, Borrower shall correct the condition which resWted in the requirement for immediate payment-in-full. Foreclosure costs and reasonable and customary attomey's fees and expenses properly associated with the foreclosure proceeding shall be added to the principal balance. Upon reinstatement by Borrower, this Secwity Instrument and the obligations that it secures shall remain in effect as if Lender had not required immediate payment-in-full. However, Lender is not required to permit reinstatement if: (i) Lender has accepted reinstatement after the commencement of forecloswe proceedings within two yeazs immediately preceding the commencement of a current foreclosure pmceeding, (ii) reinstatement will preclude foreclosure on different grounds in the future, or (rii) reinstatement will adversely affect the priority of the Security Instrument. 12. Lien Status. (a) Modification. Borrower agrees to �tend t3us Security Instrument in accordance with ttris Paragraph 12(a). If Lender determines that the original lien status of We Security Insmiment is jeopazdized under state law (including but not limited to situations where the amount secured by the Security Instrument equals or exceeds the maximum principal amount stated or the maximum period under wlvch loan advances retain the same lien priority initially granted to loan advances has expired) and state law petmits the original lien status to be maintained for future loan advances through the execurion and recordadon of one or more documents, then Lender shall obtain tiUe evidence at Borrower's expense. If the dtle evidence indicates that the property is not encumbered by any liens (except the Fust Security Inslrument described in Paragraph 13(a), this Second Security Instrument and any subordinate liens that the Lender determines will also be subordinate to any future loan advances), Lender shall request the Borrower to execute any documents necessary to protect the lien status of future loan advances. Boaower agrees to execute such documents. If state law does not permit the original lien status to be extended to future loan advances, Borrower will be deemed to have failed to have performed an obligation under this Security Instrument. (b) Tag Deferral Programs. Borrower shall not participate in a real estate tax defeaal program, if any liens created by the tau deferral are not subordinate to this Security Instrument. (c) Prior Liens. Borrower shall promptly discharge any lien wluch has priority over ttus Security Instrument unless Bonower: (a) agrees in writing to the payment of the obligarion secured by the lien in a manner acceptable to Lender, (b) contests in good faith the lien by, or defends against enforcement ofthe lien in, legal pmceedings wluch in the Lender's opinion operate to prevent the enforcement of the lien or forfeihue of any part of the Property; or (c) secures &om the holder of the lien an agreement satisfactory w Lender subordinating the lien to all amounts secured by this Security Instrument. If L,ender determines that any pazt of the Property is subject to a lien which may attain priority over this Security Instrument, Lender may give Boaower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. 13. Relationship to First Security Instrumen� (a) Secood Security Instrument In order to secure payments wluch the Secretary may make to or on behalf of Borrower pursuant to Section 255(i)(1)(A) of the National Housing Act and the Loan Agreement, the Secretary has required Bonower to execute a Second Note and this Second Security Instrument. Borrower also has executed a First Note and First Security Instrument. (b) Relationship of First and Second Security Instruments. Payments made by the Secretary shall not be included in the debt under the First Note unless: (i) The First Security Inshwnent is assigned to the Secretary; or (ri) The Secretary accepts reimbursement by the holder of the First Note for all payments made by the Secretary. Ifthe circumstances described in (i) or (ii) occur, then all payments by the Secretary, including interest on the payments but excluding late charges paid by the Secretary, shall be included in the debt under the First Note. (c) Effect on Borrower. Where there is no assignment or reimbursement as described in (b)(i) or (ii) and the Secretary makes payments to Borrower, then Borrower shall not: Page 4 oi 8 HECM Secoad Dced of Tru�