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200305487 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 [he Property and /or rights under this Security Insnumcut (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, lot enforcement of a lien which may attain priority over [his 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 Instrument, including protecting 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 Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees In protect its interest in the 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 to make repairs, change pocks, 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 [also action under this Section 9, Under dues 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 amomns disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall heir interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Burrower 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 fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of malaria the Loan, Borrower shall pay the premiums required to maintain the Mongage Insurance in effect. IL for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required In make separately designated payments toward the prmnimm 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, 0nni 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 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 in lieu of Mortgage Insurance. Such loss reserve shall be non - refundable, notwithstanding the fact that the Loan is ultimately paid in full, and lender shall 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 for the period that Lender requites) provided by an insurer selec al 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 Borrower was required to make separately designated payments toward the premiums for Mongage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non - refundable puss reserve, until Lender's requirement for Mongage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects B(,rrower'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 Burrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage tusmrers evaluate their total risk on all such insurance in force from time to lime, and may enter into agreements with other parties that share 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 [he 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). -61NE) t000e� r,�a�a� to Form 3028 1101