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200600025 9. Protection of Lender's Interest iD the Property and Rights Under this Security 1~1:rument.lf (a) Borrowt.T fails to perform the covenants and agreements contaipcd in !his Security In!)iru.mcnt, (b) there 1S a l(..-gal proceedmg that might significantly affect Lender's interest in the Property and/or rights under this Security In..'ltnnt1l/:tIt (such as a proceedi1lg in bankruptcy, probate, for condemnation or forfeitutc, for enforcement of S lien which IDay ~n priority over tbw Security Instrument or to enforce laws or regulations), or (0) Borrower h.:.s abandoned the Property, then Lender may d() iIOO pay for whatever ii\ n::.fl.'lonable or appropriate to protect l...ci1der's interest in the Property and righw under this Security Instrument, including protecting and/or ~.:dng the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but an;! not li.J:niled to: (a) paying any !lUIIlS secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees LO protect its interest in the property and/or rights under this Security Instrument, including its t'IeC'utCd position in a ba11.kn.Iptey proceeding. Secur:iJlg the Property includes, but is not limited to, entering the Property to ma1cc repairs, change locks, replAce or board up doon; <md windows, drain water from pipes. eliminate building or other code violations or dangerous conditions. and have utilities turned on or off. Altbol,lgh l..c:odet may take action under this Section 9, Lender does not have to do so and n: 110t under any duty or obligation to do so. Il is agreed that Lender incurs no liability for not taking any or all actions authori7.ed WIder this Section 9. Any amounts disbursed by Lend.et undc:r this Section 9 sball become additional debt of Borrower secured by this Security wtrument. These amolIDl:s shall bear interest at the Note mte from the date of disbursement and shall be payable, with such interest, upOn notice from Lender to Borrower requesting paYIIlfrthiS Security Instnlment is on a leasehold, BolTOwer shall comply with all the provisions of the lease. If Borrower lICquirl':ll fee title to the Property, the lca.~old and the fee title shall !.'IO[ merge unless Lender 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 :mainr.a.in the Mortgage In"lunn'lee in effect. If, for any Te,lI.\lOn, the Mortgage Insurancc coverage required by Lender ccases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately desi~ed payments toward the premiLII'l1$ for Mortgage Insura1:tce, Borrower shall }.Jay the premil,lJn~ required to obtain coverage substan1i.ally equivalent to the Mortgage Insunu1ce prevlously in effect. at a cost substantially equivalent to the cost to Borrower of the Mortgage ln~uranee previously in effect. from an alternate mortgage insuTer selected by Lender. If sub$Ul1'1tially equivalent Mongage In.<lurance coverage is not availablc, Borrower shall continue to pay [0 Lender the llTJlQWlt of Ihe separately designated payments that were due when the iMUranCe coverage ceased to be in effect. Lender will aeccpt, use and retain these pliyrTlcntil as a non-refundable 1058 re.'lctVc in lieu of Mortgage 1n."''Utatlce. Such loss reserve shall be non-refundable, nOtwithstanding the fact that the Loan is ultimately paid in full, ~ Lender shall not be requited to pay Borrower any inlCTCSt or earnings on such lo~ reserve. Lender can nO longer require IOS8 reserve pllY!.'l\e:tm if Mortgage Insurance (:Overage (in the amOlmt and for the period that Lender requires) provided by an insurer selected by Leftder again become!! available, is obtained. lIJ1d Lender requires separately designated paymenL<ltoward the premiums ror Mortgage Insurance. If Lender required Mongage Insurance, .fl.<l, a condition of making the Loan and Borrower was Tequired to make separ.uely designated payments toward the premiums for Mortgage Ins\lT"~, Borrower shall pay the premiums required to maintain Mottg'oJge Insurance in effect, or (0 provide a non-refundable loss reserve, until Lender's tequirement for Mortgage In.<lurance ends in accoTd.ance with any written agreement between Borrower lll1d l.eoder pToviding for such tenninacton or until termination is requiml by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay intctCSt at the rate provi~ in the Note. Mortgage Insurance reimbw'Ne.<l Lender (or any entity that j:mrchases the Note) for certain losses it may incur if Borrower docs not repay the Loan Sf> agreed. Borrower is not a pany to the Mortgage Insurance. Mortgage insurers evaluate their total rLo,k on all such insurance in force from rime to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements arc on tem!) ;md conditions that are satisf;ICtory to the mortgage in..'nlTer lInd the other party (or partie::;) to these agreements. These agrtX.'II1enL<l may require the roortgagc in."utcr to make payment~ using any source of funds that the mortgage insurer may have available (which may inchulc funds obtained from Mortgage lnSUta1lCe premiums), IZ!~ 1~IUlllei 7V< J:1 0512096854 .-ElAINE) 1040n II> ""noS'" 15 Form 3028 1'01 680'd ]:08188Z918 31JIJ JSHlj AJIHfiJ3S L8:81 900Z-91-J3Q