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201500162 (g) Trusts. Conveyance of a Borrower's interest in the Property to a trust which meets the requirements of the Secretary,or conveyance of a trust's interests in the Property to a Borrower, shall not be considered a conveyance for purposes of this Paragraph 10. A trust shall not be considered an occupant or be considered as having a principal residence for purposes of this Paragraph 10. 11.No Deficiency Judgments.Borrower shall have no personal liability for payment of the debt secured by this Security Instrument. Lender may enforce the debt only through sale of the Property. Lender shall not be permitted to obtain a deficiency judgment against�orrower if the Security Instrument is foreclosed. 12.Reinstatement.Borrower has a right to be reinstated if Lender has required immediate payment-in-full. This right applies even after foreclosure proceedings are instituted.To reinstate this Security Instrument,Borrower shall correct the condition which resulted in the requirement for immediate payment-in-full.Foreclosure costs and reasonable and customary attorney's fees and expenses properly associated with the foreclosure proceeding shall be added to the principal balance. Upon reinstatement by Borrower,this Security 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 i£ (i)Lender has accepted reinstatement after the commencement of foreclosure proceedings within two years immediately preceding the commencement of a current foreclosure proceeding, (ii)reinstatement will preclude foreclosure on different grounds in the future, or (iii)reinstatement will adversely affect the priority of the Security Instrument. 13. Lien Status. (a)Modification. Borrower agrees to extend this Security Instrument in accordance with this Paragraph 13(a). If Lender determines that the original lien status of the Security Instrument is jeopardized under state law(including but not limited to situations where the amount secured by the Security Instrument equals or exceeds the maYimum principal amount stated or the maximum period under which loan advances retain the same lien priority initially granted to loan advances has expired)and state law permits the original lien status to be maintained for future loan advances through the execution and recordation of one or more documents,then Lender shall obtain title evidence at Borrower's expense. If the title evidence indicates that the property is not encumbered by any liens(except the First Security Instrument described in Paragraph 14(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. Borrower 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 taY deferral program, if any liens created by the tax deferral are not subordinate to this Security Instrument. (c)Prior Liens. Page 6 of 12 HECM Second Deed Of Trust—: