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200207111 9. Protection of Lender's Interest In the Property and Rights Under this Security Instrument. If (a) Borrower tails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lenders interest in the Property and /or rights under this Snunty Instrument (such as a proceeding in baakmptcy, probate, for condemnation or forfntum, for enforcement of a lien which may Train 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 mid rights under this Security Instrument, including protecting and/or swimming 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 short secured by a lien which has priority over this Security Instrument; (b) appearing in court, and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrumcnt including its secured position in a bankruptcy, proceeding. Securing the Property includes, but is not limited m, entering the Property to make repairs, change locks. replace or board op 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 lake 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 bourne additional debt of Borrower secured by this Security hmsnunicnt. These amounts shall bear interest at die Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. f this Security Instrument is on a leasebuld, Borrower shall comply with all the f the w pen lease. If Borrower acquires fee title to the Property, the Inachun surd 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 making the Lane, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available him the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward are 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 of alternate mortgage insur 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 N the in eff t. Lender will accept, use lard retain these payments a re n - fundable loss reserve in lieu of Mortgage Insurance Such loss r shall be on- refundable, nmwithstanding the fact that the Latin is ultimately paid In NIL and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lander can no longer require leas reserve payments if Mortgage Imurarce coverage (in the remain and for The period that lender requires) provided by an insurer selected by Lender again becomes mailable, is obtained, and Lender requires separately designated payments toward the uncomms for Mortgage hourere. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the pmnums for Mortgage insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or m provide a non- refundable lass r until Leader's quirement for Mortgage Insurance ends In accordance with any written agreement between Borrower said Lender providing for such Termination or until terroinanon is required by Applicable Law. Nothing in this Section 10 cultures Borrower's obligation to pay interest at the rate provided in the Note. Mortgage hourmse reimburses Lender (or any rmdty 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 insurers evaluate their total risk on all such insurance In force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on temps and conditions that arc satisfactory to the mortgage r and the other party (or parties) m these agreements. These agreements may require the mortgage insurer nwke payments using any source of tnds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). Term) 000s, ranee If x.nna v \\ Foraf 1101 �1 `I y