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201203�6�� 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in banlauptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regularions), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and se.cu.ring and/or repairing the Property. Lender's actions can include, but are not lunited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attomeys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured pUSition in a banla�uptcy proceeding. Securing the Property includes, but is not limited to, entering the Progerty to make repairs, change locks, replace or boud up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take acrion under this Section 9, I.ender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions auttiorized uuder this Section 9. Any amownts disbursed by �.ender under this Secrion 9 shail become addirionai debt of Borrowes secured by this �curity Tnsriument. These amounts shall bear interest at the Note rate from the date of disbu.rsement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment• . If ttus Security Tnstrument is on a leasehold, Borrower shall compIy with all ttce provisions of the lease. If Borrowea acquires fe.e title to the Progerty, the Ieasehold and the fee title shalI not merge unless Lender agree.c to the merger irr, vvtiting. 20. N�'oatg�e I�urance. �f I.ender requirect Mortgage Insurance as a conditian of making the Laan, Bc�trower shal� g�y �e pr�mitr� Fequired to maintain the Mortgage Instirance in effect. If, for any reason, the Mortgage �ns�ra�sc� covesage required by I.ender ceases to be available from the mortgage insurer that previovsly prorri� such insurance and Borrower was rec��uired to make separately c�esignated payments toward the premiux�s for 1Vlortgage Insurauce, E�orrower shatl pay the premiv� reqnired to obtain coverage suiiscan '�� y equivaIent to tfie Mortgage Insurance previously in effect, at a cost substanrially equivalent to the east to �orrower of the Mortgage Insurance previously in effect, from an altemate mortgage insurer selecte�t by Lender. If substanrially equivalent Mortgage Insurance coverage is not available, Borrower shatl continue to pay to Lender the amount of the separately designated payments tkat were due when the insvrance coverage cease� to be in effect. Lender will accept, use aud retain these payments as a non-refun�Fe toss reserve in lieu of Mortgage Insurance. Such loss reserve sha1Z be non-refunc�Ie, notwithstanciing the fact that the Loan is ultimately paid in full, and Lencter shall not be required to pay Borrower any interest or eamings on such Toss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Bonower was required to make separately designated payments toward the premiums for Mortgage Insurance, Bonower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable Ioss reserve, until L�nder's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such ternrination or until termination is required by Applicable Law. Nothing in this Section 10 aff�ts Bonower's obligarion to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any enrity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Bonower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that shaze or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). �-6G�NE) I000sJ.o� Page 8 of 15 0 Initials• Form 3028 1 /01