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��15�5DUU her Nan--Barrowing Spause. V�Ihere a Borrower has identified a Non-gorrov�r�ng Spouse in Paragraph 9, and the iden�ified Non-gorrawing Spaus� qualifies as an Eligib�e Non-Borrawing Spous�, �he Borrower sha�� also cornp�ete and pro��de �a the Lender on an annua� bas�s, an Eligible Non�Borrowing Spause ce�kificat�an, in a forrn pres�ribed by�he Lender, certi�y�ng that all requiremen�s fa��he applicatian af a ❑ef�rral Period c�ntinu��a app�y and con�inue to be met. Dur�ng a ❑ef�rral Period,the annuai Principal Residen�e cer�i#�catian mu�t confiinue to�e comp�eted and pravided tv the Lender by the Eligible Non-Barrowing Spvuse. The Borrower shall also noti�y Lender whenever any o�the events fisted in Pa�agraph 1��b}and �c}occur. �e� Natice to Secretary and Borrower. Lender sha�l no#ify the 5ecretary and Barrow�r whenever th� Eoan becvmes du� and payable under Paragraph ��b} and �c}. Lender shall nat hav��h� right to cvmmence foreclosure until Bor�vwer has had thirty�3�}days after notice to either: �i} �arrect the matter tirvhich�esulted in�he Secu�ity lnstrument caming due and payable;or �ii} Pay the balance in full;ar �iii} Sell �he Prop�rty �vr the lesser of �he bafance �r ninety-fi�e perc�n� �95°/0} of th� appraised value and apply#he net p�oceeds o�f the sale�owa�d the balance;vr �iv} Provide the Lender wi�h a deed in lieu flf�arec�asur�. {f} Notice ta Secretary and Eli�ible Nvn-Borrvwing 5pvuse. Lender shalf not�fy#h� Se�re#ary and any Eligi�le Non-Borrowing 5pause whene�er any e�en� lis�ed in Para�raph 1��t�}and �c} occurs during a Deferral Perivd. �g} Trusts. Con�eyance of a Borrawer's interes� in the Property �o a trus� which mee#s the requiremen�s of the Secre�ary, or conveyance af a �rust's interes#s in tha Praperty �v a Borrower, shal� nat be consid�red a conv�yance �or purposes of this Paragraph ��. A trust shal! no� be consid�red an occupan� �r he cons�d�red as having a principal residence. far purpases af th�s Paragraph ��. �h} Mvrtgag� N�t�nsured. Barrower agrees�ha�should this�ecurity lnstrumen�and the Note not �e eiigibie for insurance under fhe Na�iona! Hausing Act vtiri�hin fi� days frvm the da�e hereof, Lender may,a#ifis�ption,require immediat� paymenf in full of all sums secured by this SecurE�y Insfirurnent. A wr�tten statement of any authorized agent af�he S�cretary dated subsequent�o fia days�rom the date hereof, declining to insure thi� Securi�y �ns�rument and the Nafie, shal� b� deemed cflnc�usi�e proa�a�su�h inel�g�bili�y. No�withstanding the �oregoing,this vption may nat be exercised by Lender when the una�ailabilify af insurance is svle�y due ta Lender's failure tv remit a mvrtgage insuran�e premium�a#he Secretary. '11. No Deficiency Judgments. 6orrvvuer shall have nv p�rsona� lia�iii�y �or paymen� of the d�b# secured t�y�his Security lnstrumenfi.Lender may enforce�he deb�only#hr'augh sale o�the Property. Lende�- sha�! nof be permitted �a o��ain a defici�ncy judgment agains� gorrower if the S�curity lnstrumen� is forec�osed. {�this Security fns#rument is assigned to �he Secretary upon demand by the Secretary, Borrower sha�l nv� be liabi� far any dififerenc� t�e�ween the rnorkgage insurance benefits paid to L�nder and �he ou�stand�ng indeb�edness, including accrued interest, owed by Bar�ower at the tirne of fhe assignrnent. � 7754❑GEN3o2c Accenture Marfgage Cadence Dacument C�nter��28 �6 of 13� Nebraska❑eed af Trust HECM A�.]USTABLE RATE-MERS o�i��