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i AHK . L . if OUL 1 d; 4eFM 20020423'7 NO.078 P.31/72 (c) Borrower has abandoned the Property, then I -ender may do qnd pay for whatever Is reasonable or appropriate to protect bender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing Tile value of the Property, and securing and/or repairing the Property. Lender's actions can include, butt are not limited to (a) Paying any sums secured by a lien which has priority over this Security instrument; (p) appearing in court; and (0 paying reasonable attorneys' feep to protect its interest in the Property anti /or rights wilder this Security Instrument, Inclydlng Its secured position in a bankruptcy proceeding. 5ec4rltlg the Property includes, but is not limited to, entering the Property to make repairs, charge iocKs, replace Pr 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 G. Lender does not have to do so and i$ not under any duty or obligation to do aQ, It is ggreed that Lender incurs no liability for not tatting 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 dote of disbursement and sh 'all be payAhle, with such interest, upon notice from Lender to Borrower requesting payment, If this Security Instrument is qn 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 maklno the Loan, Borrower shall pay the premiums required to. maintain the Mortgage Insurance in effect, If, for actx reasolft, the Magg%�% i�sur lice couef -4$e required by sender ceases f13 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 post 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 designated payments that were due When the insurance coverage ceased to be in effect. Lender will accept, use and retgin these payments as a non- refundable loss reserve in lieu of Mortgage Insurance, Such loss reserve shall be non- refundable, notwithstanding the fait that the loan is ultimately paid in full, and Lender shall not be required to pay Borrower arty Interest or earnings on such loss reserve. Lender can no lodger 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 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 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 agreement between Borrower and tender providing for such termination 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. SNOW Rw 11 /1groa ��p� a of 18 �gftlai� FORM M IM