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��14��5 �i��Pra�ide the Lender vvith a deed-in�-�ieu af forec�osure. (d}Trusts. Conveyan�e of a Borrower's�nt�res�in the Praperty�o a trus��vh�ch m.ee�s the requirements�f the Secre�ary, or conveyance of a trus�'s interes�s in the Property t�a Barro�er, sha11 not be consxdered a con�eyance for purposes of th�s Paragraph 9. A trust shall not be �onsidered an accupant or be cons�dered as hav�ng a pr�nc�pal residence for purpos�s�f�h�s Paragraph 9. 1�.No Def�ciency Judgments. Barrower shall have no persona�liabili�y for pa�ment of the debt s�cured by�hzs Securit�Instrum�.�nt. Lender may enforce�he debt on�y�hrough sa�e of the Propert�. Lend�r shall no�be permit�ed�o ob�a�n a defc�ency judgment against Borrovver if the Securi�y In�trument�s forecla�ede 11.Reinstatement.Barrov�er has a righ��o be reinstated�f Lender has requi�r�d immediate pa�ment-�n-full. This right app�ies e�en after foreclosure proceed�ngs are inst�tu�ed. To rex�.sta��his Securzty Instrument, B�rrovver sha11 c�rre�t�he condition vvh�ch r�su�ted in�he requ�rem�nt for immed�a�e paymen�-�in-fu11.Foreclosure costs and reasonable and cus�an�.ary a�torney's fees and expenses properly associated�ith the fareGlosure proceeding shal�be added�o�he pr�ncipal balance. Upon r�instat�ment by Borrawer,�his Secur�ty�nstrument and the obligat�ons that�t secures sha11 renla�n�n effect as if Lender had not required�m.mediate payn�e�.t-zn--full. Howe�er,Lender is n�t required tn��rm�t reins�ta�ement if: t�}Lender has a�cepted reinstatemen�after�he cammencement of forec�osure praceed�ngs within�wo years�mmediately precedxng�he commencement of a current f�reclosure proceeding, �ii)re�nstatemen�wi11 prec�ude forec�asure an differ�n�graunds in the future,or (iii}reinstatemen�v�rill adv�rse�y affect the prior�t�of the Security Ins�rumen�. 12. L�en Status. (a} Madifi�at�on. Barro�ver agrees�o ex�end�his Security�nstrumen�in accordance with th�s Paragraph ��a�. �f Lender determines tha�the original Iien status of�he Securit�Instrument�s j eopardized under sta�e �aw(�ncluding but not l�m�ted t�situat�ons vvhere the amount secured by the Secur�ty �nstrument equa�s or exc�eds the max�mum principa�amount stated or�he maximum period under which loan advan�es re�ain the same�zen priori�y in�tially granted��laan ad�ances has exp�red�and state�aw perm�ts�he�riginal �ien status�o be main�ained far future�oan ad�ances �hrough the execu�ion and recorda�i�n of one�r more documents,then Lender sha��o�tain title evidence at Barrovver's expense. If the�itle e�idence indica��s that�he proper�y�s no� �ncumbered U}�an�liens(excep�the F�rst Securit�Ins�rument descrzbed in Paragraph 13�a�, �his Second Security Instrumen�and any subordinate liens that the Lender determines wi�l also be sub�rdina�e to any futur� �oan advances}, Lender shall request the Borrav�er ta ex�cut�any da�umen�s necessary ta protec��he Iien sta�us of futur�l�an advances. Borrawer agr�es�a execute such documents. �f s�a�e law does not permit the origina� ��en status t�be extended�� fu�ure lflan ad�anc�s,Borrower w��1 be deemed to ha�e failed to have perfarmed an ob��ga�i�n under this Security Instrument. �b}Ta�Deferrai Pr�grams. Borrower sha11 not par��c�pa�e in a rea�estate�ax deferral program, �f any�iens created by the �ax deferral are no�subord�nate�o thi� Secur�t_y�nstrumen�. Page 5❑��. �ECM Secand Deed��'T�-ust �