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20120553� 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Bonower 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 banl�uptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instniment 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 pmtect Lender's interest in the Property and rights under this Se.curity Instrument, including prot�ting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security .�me?�+; (b) appearing in court; and (c) paying reasonable attorneys' fe,es to prot�t its interest in the Property and/or rights under this Security Instrument, including its secured �sition in a banlmiptcy proceerling. Securing the Property includes, but is not limited to, entering the Properiy to make repairs, change lacks, replace or board up d�rs and windows, drain water from pipes, eliminarP building or other code violations or dangerous condirions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender daes 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 taldng any or all acrions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become addirional debt of Bonower secured by this Security Instr�ument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, witli such interest, upon norice from Lender to Borrower requesting payment. If ttus Security Insmiment is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Praperty, the leasehold and the fee ritle shall not merge unless Lender agrees to the merger in writing. I0. Mortgage Insurance. If Lender required Mortgage Insurance as a condirion of making the Loan, Borrower shall pay the premiums rec}uired to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender c�ases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments towazd the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substanrially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer sel�te� by Lender. If substantially equivalent Mortgage Insurance covera.ge is not available, Borrower sha11 continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve ia lieu of Mortgage Insurance. Such loss reserve shall Ue non-refundable, notwithstanding the fact that the Loan is uItimately paid in full, and Lender shall not be require�cl to pay Bonower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if IVlortgage 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 sepazately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan anc� Bonower was required to make separately designated payments towazd the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agre,ement between Borrower and Lender providing for such terminarion or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity 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 inc��rance in force from time to time, and may ettter into agreements with other parties that share or modify their risk, or reduce losses. These agreements aze 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). Inftials:� �-6G(NE) (000el.o� Page 8 of 15 Form 3028 1/01 0