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2� 1 ��3474 C.Jpon reinsta��ment�y Borrawer,this Se�uri�r Instr�men�and the obl�gati�ns tha�it secures sl�all rernain in effeC�as if Lend�r had no�required immediate pa�merit in full. However, Lender is no� re�uired�.o p�rmi�reinstatement if: �i}Lendcr has a�cept�d reins�atement after the Gommencem�nt of for��lasure pro�eedi�gs w�thin two{�,}years imYr►ed�a�e�y pr�c�d�n�the c�mm�rr�ement of a curren� fare�losure�raceeding,�ii�r�instatemen��li preclude for�closure on differe�t�rvunds in xhe fu�ure,or �ii��reinstatemen�will ad�ers�ly affect th�priori�y af�he Secu�rity�ns�rum�nt. l3.Def�rra�Perioc�Rein��a��men�.�f a Deferra�Per��d�eases�r becom�s unavail�.ble because a Non-Barr�wzn�Spause na Ionger sa�isfies the�ualify�n�At�ribu�es f�r a Deferral Perz�d a�.d has become ar�InelT�ib�e Non-Borrowing Sp�use,n�ither�11e Def��-ra�P�riod nor�he Securi��'��15�T'L1IT�.E:I1� may b�reinsta�ed. Xn�h�e�en�a Deferral Period�eases because an obliga�ion of the N�te,the L�an A�r�emen�,or�his Security Ins�rument has n�r been met ar the Note has be�ome e�igible�a be ca�led due and payable and�s in d�fau�t for a reasan a�her than death,an E�i��bl�Non-Borr��ving Spouse may l�a�e a D�ferral Periad and�his Security Instrumen�r�insta�ed�ro�ided that�h�condition which resultied �n the Defer�al Peri�d��asing is�orrected vvi��.in�hXrry��U)day�. A Lender may re�u�re t��E1�gible N�n-Borrowin�spouse t�pay for for��losure costs and r�asonab�e and�us�omary at�orney's fees and e�penses properly assoczated wi�h�he for�c�osure pr�ceedxng,such costs may not be added to th� Frincipal Balance. Upan reins�a�emen�by an E��gibl�NQn-Bflrrowina Sp�use,�he Deferra�Period and �his�ecuri��nstrument and the obl�ga�i�ns that it secures shall�remain in effec�as if�he I��f�rral P�riod had not ceas�d and the L�r�der had not required immediate pa�rm�n�in ful�. Howeti�er�Uender is nQt requir�d to perrr��reinsta�ement zf; �i)�he Lender has ac�ep�ed a r��nstatemen�af ezther�l-�e I�eferra� Peri�d or this Se�ur�t}�Ins�rum�n�wi�hin�he past tw��?��ars immedia�el�pr�ceding the�urrent notif�cation�o�he Eligibie Non-Borro�vving Spouse�ha�the mor�gage is due and paya�ie;�ii} r�instatement of e��er the Deferral Period ar th�s Secur�ty�nstrumen��vi��prec�ude fore��osure in the future,or�ii�)reinsta�emen�of e��her the Deferral Period��-��ur�ty Instrument wi1�ad��r�ely affeGt th� pri4rxty of�his S�curity Instrumen�t. 14. Lien S�atu�. (a�Mod�f ca�i�n. Borrovver agre�s��xtend�his Securi�y I�strum�n�in ac�ordance wi�h th�s�aragra�h 14(a). If Lend�r de�ermines�hat the ori�ina�li�n s�a�us�f�he Security Ins�rum�nt�s�eopardized under state 1aw�xncludin�but no�limi�ed�o situa��ons�vh�re the am�un�se�ured��he S e�uri�.y�nstrum�nt�quals or e�ceeds the ma�imum prineip��amount s�ated or�he maximum period under which Ioan advan�es retain the sam��i�n przority ini�iaii�granted�o loan ad�ances has exp�red�and sta�e law permits�he or�ginal lie��ta�us�a b�rnaintained fc�r fu�ure Ioan advances through�he e�.ecu�ion and recardation af one or m�re documen�s,�hen Lender sha�l o�tain title evid�n�e a�F3orrower's ex�ens�.If th��i�l�evidence indicates that the Proper�y is not�ncumbered by an�Iiens(�x�ept�his Se�ur�ty Instrumen�,�he Seeond Secur��y Yns�rum�n�de�cribed in Paragraph ��A�and any subordinate iiens tha��he Lender de�ermines will also be subordina�e to any fu�ure�oan ad�ances},Lender sha�I reques�the �orro��er to�x�cut�any documents ne�e�sar�to prote�t the Iren s�a�us of future�oar� advances.Borro�ver agrees to e�ecu�te such docur�r�ents. If state�a�v does nflt perm��the origina��i�n sta�us to be extended�o fu�ure Ioan ad�an�es,Bor�rvwer wil�be deemed tQ have fai��d��ha��performed an obligatian under this Se�urity Instrument. �b�Tax D�ferral Program�. Borrower shal�not partiGipate in a rea�es�a�e tax deferral pr��ram,if an��Iiens��reated b��he Pa�� 7 of 1� HECM�irst Ueed Qf Tn.ts#-2015