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200301073 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrowerfails to performthe covenants and agreementscontainedin this Security Instrament,(b) thereis a legal proceeding that might significantly affect Lender's interestin the Property and /orrights order this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation in forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), 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 Instrament,induding protectingand /orassessing the value of the Property, and securing and /orrepairing the Property.Lendei s actionscau include,but arenotlimitedto: (a) paying any sums securedby a fien which has priority over this Security Instrument;(b appearingin cowl and (c) paying reasonableattorneys' fees to protectits interestin the Property and, i is order this Security Instrument,including its securedposition in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board 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 action under this Section 9, Lender 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 authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrumem.These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrumentis on a Iemehold,Borrowershall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If LenderrequiredMortgage lnsuranceas a condition of making the Loan, Borrower shall pay the premiumsrequiredto maintain the MortgageImurancein effect. If, for any reason, the Mortgage Insurancecoverage requiredby Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage lnsurance,Borrower shall pay the premiums requiredto obtain coverage substantially 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 alternatemortgage insurer selectedby Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continueto pay to Lenderthe amountof the sepwatelydesignatedpaymentsthat were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non- refundableloss reservein lieu of Mortgagelnsurance.Such loss reserve shall be non -refundable,notwithstandingthe fact that the Loan is ultimatelypaid in full, and Lender shall not be requiredto pay Borrower my interestor earnings on such loss reserve. Lender can no longer requ reloss reserve payments if Mortgage Insurance coverage (in the amountand for the periodthatLenderrequires )provided by an insurer selectedby Leaderagain becomes available, is obtained,and Lenderrequiresseparatelydesignatedpaymentstoward the premiumsfor Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiummequiredto maintainMortgagehisurancein effect, or to provide a non- refundableloss reserve, until Lender's requirementfor Mortgage Insurance ends in accordance with any written agreement between Borrower and Lenderproviding for such terminationor until terminations requiredby Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgagelnsurance reimbursesLender (or any entity thatpur%!.the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a pparty to the Mortgage Insurance. Mortgageinsurers evaluate their total risk on all such insurance in fmce from time to time, and may enterinto agreementswith otherputiesthatshmeor modify theirrlsk, or reducelosses. These agreementsare on terms and conditions that are satisfactoryto the mortgageinsurer and the otherparty (or parties)to these agreements.Theseagreementsmay requirethe mortgageinsurerto make paymentsusing any source of funds that the mortgage insurer may have available (which may include funds obtainedfrom Mortgage Insurance premiums). Me #:317608 APPL #:8010075391 444 LOAN #:8010075391 Ini1W¢: (04(NE) Pcoa) P'.aMrs ¢ Form 3028 7/01