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��i�95 9. P'rotectian oP' Lendear's Inter� in the Praperty and Rights Under tl�s Security instrament. If {a} Borrower faiis to perfomi the cove�naats and agr�meats mn#ained. in this Seeurity Instrament, (b) there is a legal proc�ding tyat might significaatly affect Lender's interese in the Froperty and/or righis under this Securi.ry Instrumeat (such �s a proc�eding in bankrupuy. probate, for condemnauan or forfeiture, for enforoement of a iien whach may artain priority aver t2us S�urity Imstrument or to en€orce laws or regulations), or (c) Borrower has abandoned the Properry. then Lender may do and psy for whatever is reasonable or appropriate to protect Lender's inierest in ihe Property and rights uuder this Sec�iry IasErument, includigg pratecting and/or assessing the value af the Property. and securing andlor mpaircng the Property. Lender's �tiogs caa iaclu@e, but are not limited to: (a} paying any stuns secured by a lien wlrich Y�as priori#y over this Securiuy Instcv.msat; (b} �FF�aring ia court; and f�) PaYin� reasonable atturneys' fees ta protect its ince�est in th� Prapert�• and/or rights �der this Secaritq Instnunent, includeng its secvred position in a bankruptcy procee�iag. Securing the Property inch�des, but is not limited w, entering the Property to mak� repairs, chaage locks, zeplace or board ttp doors aad windows, drain water from pi.pes, eIiminate building or other code violazions oz dangerous condi#ions, �+� have ntilitfes tuinai on or off. Althaugh Lender xnay take �ction under tlus Section 9, I.entier does not have to do so and is nat under any duty or obligatian w do so. Ii is agr�ed that Lender incvrs no liah�ity for not taking any or all accio�s authQrized under this Sectioa 9. Any amounts disbeirscd by Lender uader this Section 9 shall U�cume additionat debt of Borrower secured by this Security Instnuuent. These amounts shall i�ar iat�rest at tl�e Note rate from the date of disbursement and shall be payable, with such interest, u�cm norice from Lender to Borrower res�uesting � Security Instrument is on a leasehoid, Borr�wer shall comply aith all the provisions of the lease. If Borro�rer acquires fee ti�le to the Property, tlae l�old ancE the €ee tide shall not merge unless Lender agrees to the merger ia writiag. lU. Mortgage ins�uance. If Lender reqs�ired Mortgage I�sivance as a canditioa of maldng the Loan, Borrower shatl pay ttte premiams required to �imA�n the Mortgage Insuranee in effect, if, for any reasan, the Mortgage Insurdnce caverage re�uired by I.ender ceases to be available from the mortgage insurer that previously provided such insnrance and Huaower was required w make separat,ely designated payments toward the premiums for MorCgage InsuFance, Borrower shall gay the premiums reqnIr�i to obtaia cuverage subsEantially equivalent to the Mortgage Insurance previously in effe�t, as a easE substantially equivalent to the cost to Borrc�wer of the Mortgage In�raneP pre�iously in effect. from an aiternate mortgage insfuer sele�ted by Lender. If substantially eqtuvaleat Mort�age It�stuance coQerage is not available, Bormwer shall crontinue to pay ta I.eader the amo�nt of the separately designatect payments that were due when the insvrance coverage ceased ta be in effect. Le�er will accept, use �xi retain ebeae payments as a non refnndable loss reserve in lieu of Mortgage Insurance. Suc6 loss resen+e shat! be non rcfundable, notwithstanding the fact that the Loan is utamately paid in full, and Lend�r shatl not be required to pey Borrower any intere,st or earnings on such iass reserve. Lender can no longer require lass reserve paymeats if Mortgage Insurance coverage (in the amourn and for the period thai L.�der requires) providai by an insurer selected by Lender agaia becomas avaiIable, is obtained, mnd Leader reqnires segazately designated payments towa�+d the premiums for Mortgage Ins�uanc;e. If L�nder required Mortgage Insurance as a conriidon of malcing the Loan and Barrower was required to make separate�y designaterl payments tawars� the premiums for Mortgage Insurance. Borrower s�hall pay the premimns requir� to maintai� Mortgage Insurance in effect, or co pxov�de a non-refundable loss reserve, until i.ender's requirement far Mortgage Insurauc� ends in accardane� with any writien agreement l�tween Borrower and I.ender providing for suc�. ieiminatioa or until termination is required by Applic�ble Law. NoLhiag in this Sectioa 10 affects Borrower's obligation to pay inierest ai #h� rat�e provided in the Note. Mort�age Insurance reimburses Lender (ar azry entity that purchases the Note) for certain, los�es it may inctrr if Borrower does not regay #he Loan as agre�d. Borrower is not a party ta the Mortgage 3nsurwance. Mortgage insurers evaluate their total risk on aIl such insuaence in force fram t�ne io tiiue, aud may enter into agreements .vith other parties that share or modify their risk, or red.uce losses. 'fl�ese agreements are an terms and conditions thae are sacisfactory to rhe mortgage inst�rer and the other party (or parties} to t�ese agreements. These agreements m�.y require the a�rtgage insurer to ma�e payments �sing any source of fu.nds that the mortgage insurex may have available {which may in�lude fimcis obtained from Mortgage Insuranee premituns). �-S�(AIE) ta006).07 Pa� 8 ot t 5 � �� Farm 3028 1l01