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U0205512 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. It (a) Borrower tails to perform the covenants and agreements contained in this Security Instrument, (h) there is a legal proceeding that might significantly affect Lender's interest in the Property and /or rights under this Security Instrument ent (such as a proceeding bankruptcy, probate, for condenmation or forfeiture, for enforcement of a Gen which may ;main 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 Instrument, including protecting and /or assessing the value of the Property, and securing and /or repairing the Property. Lender's actions Call include, bud are not limited it) (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (,c) paying reasonable amonteys' fees m 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 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 Lander may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation Lo do so. It is agreed that Lender incurs no liability for not taking any or all actions authorired under this Section 9. Any amounts disbursed by Lender under this Seebon 9 shall beconhe additional debt of Borrower secured by this Security Instnhmeat. 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 It this Security Instrument is on a leasehold, Borrower shall comply with all the provisions oft e [case. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Leader agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. It, 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 to make separately designated payments toward the premiums for Mortgage Insurance m , Borrower shall pay the prehmns 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 pheviously m 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 he in effect. Lender will accept, use and retain these payments as a nonrefundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall he non - refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be require 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 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 acndance with any written agreement between Borrower and c Lender 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. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur it Borrower does not repay the Loan as agreed. Borrower is not a party no the Mortgage Insurance. and in Mortgage insurers evaluate their total risk on all such insurance in force from time to time, y enter into agreements with other parties that share or modify their risk, or reduce losses. 'These agreements are on mrins and conditions that are satisfactory to the mortgage insurer and the other party (or panics) to these agreements. These agreements may require the mortgage insurer to make payments using any source or funds that the mortgage insurer may have available (which may include hinds obtained from Mortgage Insurance premiums). -6(NE) moose rnaa a � is Form 3028 1101 d