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20100945� not bc exercised by T,encler whcn lhe unavailahiliiy of insurance is solely due to Lcndcr's failure to remit a mortgage insurance premium to thc Sccrctary. 10. Reinst�tement. Borrower h�s a right to bc reinstated if Lcndcr has required immediate paymcnl in full bccause of Borrower's failure to pay an amount due ur�der thc No�e or this Sc:curity Inslrument. This right ap}?lies evun aficr forcclosure proceedings are .insiiluted. To reinstate the Security Instrument, Borrower shall tender in a lump sum all amounls rcquircd to bring Bnrrower's account current i ncluding, to the extent they arc obligalions of Borrower unc�er this Sccurily InSlrument, foreclosure costti and re�son�hle and customary attorneys' fees and expenses properly associated wilh Lhe foreclosure proceeding. Upon reinstateznent by Borrower, this Securiiy Instrument and the obligaCions that it secures shall remain in effect as if Lender had not required immediate payment in full. However, �.ender is not rcquired to permit reinstatement if: (i) Lender has acceplcd reinslatement after the cornmencement of foreclosurc proceedings within two years immcdialcly prcccding the cnmmenccrnent of a current foreclosure proceeding, (ii) reinstatcmcnt will preclude foreelosurc on diffcrcnt grounds in the fututc, or (iii) reinstaternent wi11 advcrsely affect thc priority ofthe lien created by thiti Sccuriiy Instrument. 11. Borrower Not R�leased; �orbearance By Lender Not a Waiver. Exten�ion of the time of payment or modi fication of amortization of the sums securcd by this Security Instrument gran.ted by Lender to any success�r in interest of Borrower �hall not operate to rc:lcasc lhc liability of the original Ilorrower or Borrowcr's successor in interest. Lender shall nol be rcyuired to commencc proceedings against any successor in inter�st or refuse to extend time for payrnent or oLhenvise modify amortization of the sums secured hy this Sccurity Instrumenl by reason of any demand madc by lhe original Borrower or Borrower's successors in intetc5l. Any forbearance by Lender in exercising any tight or remedy shall not be a waiver of or prcclude the exercise of any right or remedy. 12. Successars and Assigns Bound; Jaint and Several Liability; Co-Signers. The covenants and agrcemenls of this Security Instrument tihall bind and bene�t the successors and assigns oFLcnder and Borrower, subjcct to ihe provisions of Paragtaph 9(B). Borrower's covcnants and agreements sh�ll he joint and several. Any Borrower who co-signs thiti Security Instrument hut docs noi execute the Note: (a) is co-signing this Security Instrument only to rraortgagu, grani and convey that Borrower's iztterest in the Property under the terms of this Security Instrumcnt; (b) is not personally obligated to pay thc sums secured hy this Sccurity Instrument; and (c) agrees that Lendcr and any other Borrower may agr4e io extend, rnodify, fnrbear or makc any accommodations wrth regard to thc tc;rms of this Security Instrument or thc Nolc withaul lhat Borrower's conscnt. 13. Notices. Any notice to Barrawcr provided for in ihis Security Instrument tihall bc given by delivering it or hy tnailing it by tirst class mail unless applicablc law requires use of another method. The noticc shall be directed to t�ie Property Address or any other address Bc�rtowcr desi�nates hy naiice to Lender, Any nofice [o Lender shall be given hy first class mail to Lcndcr's address stated herc;in or any address L�nder designates by noticc to Borrower. Any notice provided for in this Security Instrument shall he deemcd lo have been givcn to Borrower or Lender whcn given as provided in this paragraph. 14. Governing Law; Severability. This Security Insirument shall be gaverncd by Federal law and the law oFlhc jurisdiction in which ihe Property is locatcd. In the event that any provision nr clause of lhis Sccurity Instrument or the Notc conIlicls with applicable law, such conIlict shall not affect olhcr provisions of ihis Security Instrument or the Notc which can be given effect without thc conllicting provision. "1'o this end the provisions of this Security Instrument and the Note are dcclared to he severable. 15. Borrower's Copy. Borrowcr shall be given one conformed copy of the Note and of this Security Instturncnt. 16. Haz�rdous Substances. Borrow�.r shall not cause ar permit the pre�ence, use, disposal, stor�ge, or release ot any Hazardous Subst�nces on or in ihc Property. Borrowcr shall not da, nor allow anyone else to do, anything affccling the Property that is in violalion of any Environmental Law. The preceding lwo sentences shall not apply to the presence, use, or storage or� the Property ofsmall quantities ofTIazardous Substanccs that are generally recognizcd to be appropriate to normal rc:sidential uses and to maintenance of the Property. HCFG-00703 FHA Deed of Trust-NE Revised 4/9G UMP� Wolters Kluwer Financial Services 201012153.5.O.p.qp0220100630Y Page 5 ot 7 '6335510217"