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��1 5��7�4 �i}�orrect�he matter which resulte�.in the Security Instrument coming due and payabl�;or (ii}Pay the halance in ful�;or -�iii}Se�1 the Property for the lesser of the halan�e or nrnety-f�e�95%}of the appraised�alue and apply the net proGeeds of the sale#oward the balance;or• (i�� Pro�ide the Lender with a deed-in-lieu of fore�losure. (f}I�vtice to Secretary and Eligible Non-Borrawing Spous�. Lender shall notify the�ecretary and any Eli�ible l�on-Sorrowing Spouse whene�er any event l�sted in Paragraph �0{b}and(c� accurs during a I]eferra�Period, �g}Trusts.Con�e�anc�of a Sorrower's in�erest�the Praperty to a trust which meets the requirements of the Secretary,or con�eyan�e of a trust's in�erests�n the Prvp�rty tv a B�rravver, shall not be considered a�an�eyance for purp�ses af thi s Paragraph 1�.A trust shall not be cansidered an occupant❑r be�ansidered as ha�ing a Principal Residence far purposes of th�s Paragraph 1�. 11.Nv Def ciency Judgments.Borrower shall have no personal liability for payrnent of the debt secured by this S�curity Instrument. Lender may enfarce the debt anly through sale�f the Praperty. Lender shall not be permitted to abtain a defici�n�y judgment against Borr�wer if the 5ecurity I nstrum�nt i s forec�osed. 12.Reinstatemeat by Borrawer. Borrov�er has a right to be reinstated if Lender has required immediate payment in full. This right applies even after fareclosure proceedings are instituted. To r�instate this Security Instrument,Borr�wer shall correct the condition which resulted in the requirement for immediate payment in full. Foreciasure costs and rea�onable and customary att�rney's f�es and�xpens�s praperly asso�iated�vith the f�recl�sure pra�eeding shall be added ta the Principal Balance. Upon reinstatement by Borrawer,this Security �ns�rurnent and the❑hligations that it secures shal] remain�n effect as if Lender had not required immediate payment in full. Howe�er,L�nder is nat required to p�rmit reinstatement if �i}Lender has accepted reinstatement aft�r the commencernent nf foreclosure proceedings wi�hin twa�2}years immediately preceding the commencement a�'a current forec�asure proceeding,�ii}r�instatemen�will precl ude foreclasure�n different grounds in the future,or �i ii}rei nstatement�i 1�ad�ersely affect the priority of the S ecurity I nstrument. 13.Deferral Period Re�ns#atQment. If a Deferral Period ceases or b�comes una�a�lable because a Non-Borrowing Spouse no�anger satisfies the Qualif�ing Attributes for a Def�rral Perivd and has became an Ineligible Nan-Borrowing Spause,neither the Deferral Periad nor the Security Instrument may be re�nstated. �n the e�ent a Def�rral Periad ceases because an obligation�f the Note,the Laan Agreement, or this Secur�ty Instrument has na�been rnet or th�N�te has became elig�bl�to be call�d due and payable and is in defau�t for a reasan other than death,an Eligil�le I�on-Borrowing Spous�may haue a Deferra�Perind and this S�curity Instrument reinstated pra�ided that the condition which resulted in the Deferral Period ceasing is corrected w�thin thirty�3�}days. A Lender may re�uire the�ligible Non-Borrowing spau5e t❑pay for foreclasure c�sts and reasonable and cust�mary attorr�ey's fees and expenses properly assaciated with the foreclasure praceedrng,such costs may not be added to th� Prin�ipal Balance. Up�n reinstatement by an Eligible Nan-Borrowing Sp�use,the Deferral Period and this Security Instrument and the ob�igations that it secures shall remain in effect as if the I]eferral Period had not ceased and the Len�er had n�t req uired immediate payment in ful I. Howe�er,Lender is nat Page 6 af i 3 HEL'M Secvnd Deed Df Tnsst--Z�]5