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by this Security Instrument. Lender may enforce the debt only through sale of the Property. Lender shall <br />not be permitted to obtain a deficiency judgment against Borrower if the Security Instrument is <br />foreclosed. If this Security Instrument is assigned to the Secretary upon demand by the Secretary, <br />Borrower shall not be liable for any difference between the mortgage insurance benefits paid to Lender <br />and the outstanding indebtedness, including accrued interest, owed by Borrower at the time of the <br />assignment. <br />12. Reinstatement. Borrower has a right to be reinstated if Lender has required immediate <br />payment -in -full. This right applies even after foreclosure proceedings are instituted. To reinstate this <br />Security Instrument, Borrower shall correct the condition which resulted in the requirement for <br />immediate payment -in -full. Foreclosure costs and reasonable and customary attorney's fees and expenses <br />properly associated with the foreclosure proceeding shall be added to the principal balance. Upon <br />reinstatement by Borrower, this Security Instrument and the obligations that it secures shall remain in <br />effect as if Lender had not required immediate payment -in -full. However, Lender is not required to <br />permit reinstatement if: (i) Lender has accepted reinstatement after the commencement of foreclosure <br />proceedings within two years immediately preceding the commencement of a current foreclosure <br />proceeding, (ii) reinstatement will preclude foreclosure on different grounds in the future, or (iii) <br />reinstatement will adversely affect the priority of the Security Instrument. <br />13. Lien Status. <br />(a) Modification. <br />Borrower agrees to extend this Security Instrument in accordance with this Paragraph 13(a). <br />If Lender determines that the original lien status of the Security Instrument is jeopardized <br />under state law (including but not limited to situations where the amount secured by the <br />Security Instrument equals or exceeds the maximum principal amount stated or the maximum <br />period under which loan advances retain the same lien priority initially granted to loan <br />advances has expired) and state law permits the original lien status to be maintained for future <br />loan advances through the execution and recordation of one or more documents, then Lender <br />shall obtain title evidence at Borrower's expense. If the title evidence indicates that the <br />property is not encumbered by any liens (except this Security Instrument, the Second Security <br />Instrument described in Paragraph 14(a) and any subordinate liens that the Lender determines <br />will also be subordinate to any future loan advances), Lender shall request the Borrower to <br />execute any documents necessary to protect the lien status of future loan advances. Borrower <br />agrees to execute such documents. If state law does not permit the original lien status to be <br />extended to future loan advances, Borrower will be deemed to have failed to have performed <br />an obligation under this Security Instrument. <br />(b) Tax Deferral Programs. <br />Borrower shall not participate in a real estate tax deferral program, if any liens created by the <br />tax deferral are not subordinate to this Security Instrument. <br />(c) Prior Liens. <br />201405853 <br />Borrower shall promptly discharge any lien which has priority over this Security Instrument <br />unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a <br />manner acceptable to Lender; (b) contests in good faith the lien by, or defends against <br />enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent <br />the enforcement of the lien or forfeiture of any part of the Property; or (c) secures from the <br />holder of the lien an agreement satisfactory to Lender subordinating the lien to all amounts <br />secured by this Security Instrument. If Lender determines that any part of the Property is <br />subject to a lien which may attain priority over this Security Instrument, Lender may give <br />Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of <br />the actions set forth above within 10 days of the giving of notice. <br />14. Relationship to Second Security Instrument. <br />(a) Second Security Instrument. In order to secure payments which the Secretary may make to or <br />on behalf of Borrower pursuant to Section 255(i)(1)(A) of the National Housing Act and the Loan <br />Agreement, the Secretary has required Borrower to execute a Second Note and a Second Security <br />Instrument on the Property. <br />(b) Relationship of First and Second Security Instruments. Payments made by the Secretary <br />shall not be included in the debt under the Note unless: <br />(i) This Security Instrument is assigned to the Secretary; or <br />Page 5 of 10 HECM First Deed Of Trust -2014 <br />