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200304927 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreementscmnainedin this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and / orrighls under this Security Instrument (such as a proceedingin bankruptcy, probate, for condemnationor forfeiture, for enforcement of a lien which may attain priority over this Security Instrument of to enforce laws or rcgulatiuns), or (c) Borrower has abandonedthe Property, then Lender may do and pay for whalueer is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and /orassessing the value of the Properly, and .securing and /orrepairing the Properly. Lender's actions can include, but me not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrumenq (b) appearing in court; and (c) paying reasonable attorneys' fees to protectits interest in the Property and /orrights underthis Security Instrument, including its secured position 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 Lenderincurs no liability for not faking 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 Instrument. These amounts shall bear interest at the Note rate from the date of disbursementand shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. It this Security Instrumentis on a leasehold, Borrower shall comply with al] 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 Lender required Mortgage brsuranceas a condition of making the Loan, Borrowersli pay the premiumsrequired to traimainlhe Mortgagulnsurancem effect. If, for any reason, the Mortgage Insurance coverage requiredby Lender ceasesto 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 Insurance, Borrower shall pay the premiums required to 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 alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately desiguatedpayments that were duo when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non - refundable loss reserve in lieu of Mortgage Insurance. Such toss reserve shall be non - refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not he required to pay Borrower any interest or earnings 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 design mod payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments loward 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 rcquircmcntfor Mortgagelnsuranceends in accordancewith any written agreementbelween Borrowerand Lenderproviding for such terminationor until Icrminntionis requiredby Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pa interest at the rate provided in the Note. Mortgage Insurance; reimburses Lender �Lor any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage fnsurancc. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enl cr imo agrccmentswith other parties that share or modify their risk, or reducelosses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreementsmay require the mortgagemsurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtainedfrom Mortgage Insurance premiums). ®- 6AINEl t000s vim. a m ss Form 3028 1101