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Jun-30 -60 13:12 From- T -601 P 18 F -13S 200005488 9, Protection or Lender's Interest in the Properly and Rights Under this Security. Instrument. If (A) Borrower fails tar perform the covenants and agreements contained in this Security Instrument, (b) Qnere is a legal proceeding dial might significantly affect Lender's interest in the Property turd /or rights under this Security instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of it lien which may attain priority over this Security Instrument or to enforce laws or wguladons), or (c) Borrower has abandoned the Property, Olen Lender may do and pay for whatever is reasonable or appropritlte to protect Lender's interest in the property and rights under this Secuiity Instrument, including protecting and/or Assessing the value of the Property, and securing acid /or repairing the Property. Lender's actions can include, but are not limited w: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees w Protect its interest in die Property and /or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property w make repairs, change locks, replace or board up doors and windows, drain water frorn pipes, eliruirrite building or other code violations or dangerous cunditions, and have utilities turned on or off'. Altilon_eh Lender may take diction under this Section 9, Lender does not have to do so and is not under tiny duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized tinder this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument.. These amounts shall bear interest at the Note rate Iroin the date of disbursement and shall be payable, with such interest, upon nonce from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the Iee title shall not merge unless Lendct agrees to the merger in writing. 111, Mortgage Insurance, It Lender required Mortgage Insurance as a condition of slaking the Loan, Borrower 9111111 pay die premiums required to maintain the Mortgage lttsurance in effect. if, for arty reibun, die Mortgage insurance ccrveragc required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately dcsignatled payn+cnts lriwuo the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivident to the Mortgage insurance previously ill effect, at it cost substanwilty equivalent to the cost to Borrower of the lvlortgage Insurance previously in effect, from tin alternate niortgiige insurer selected by Lender. I1 substantially equivalent Mortgage Insurance coverage is not available, Bon'owur shall continue to pay to Lender the amount of the separately designated paymenti that were date when the insurance coverage ceased w he in effect. Lender will accept, use and retain these payments as it non- refundatilc loss reserve in lieu of h'fortgage Insurance. Such loss reserve shaft be non - refundable, notwithstanding the Fact that the Loan is ultimately paid in full, and Lender shalf not be required to pay Borrower any 'interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and fur the period that Lender requires) provided by tin insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the preriliunis for Mortgage Insurance. If Lender required Mortgage Insurance as it condition of making the Loan and Borrower way. required 10 make separately designated paynienu toward the premiums for Mortgage Insurance, Borf WGr shall pay the prciniutns required to mainulin Mortgage Insurance in effect, or to provide a non- rel'undable. loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agrees it between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 ali-ects Borrower's obligation to pay interest at the rate provided in the Note. I1. Assignment of NCiscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. 4M - BANE) tue,,bi.oz 7200303-04 Inoialet Napa a of 16 Form 3028 3/09