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200703313 9, 'Protection of Lender's Interest in the Property and Rights Ond~r th.s Security Instnunent. If (a) Borrower fails to perform the covenants and agreements contained in \.hjs Security Instrument, (b) there is a legal proceeding that might significantly affect Lend~'f'S interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate. for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender nlay 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 Propeny, and securing and/or repairing the Property. Lendet's actions can include. but are not limited to: (a) paying any sums secured by a lien which b.as priority over this Security Instmment; (b) appearing in court; and (c) paying re.1Sonllble attorneys' fees to protect its interest in the Propeny and/or rishts under this Security 111strument, including its secured position in a bankruptcy proceeding. Securing the Propeny includes, but is not lim.ited 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 an or off. Although Lend.er may take action under this Section 9, Lender does not have to do sa and is not under any duty Or obligation to do so. It is agreed that lender inCllrs no liability for not taking any or all actions authorized under this St!CtiOQ 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security lnsttument. These amounts sball 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 paymE::nt. If this Security Instrument is an 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 I:lha11 not merge unless Lender agrees to the merger in writing. 10. Mortgage huiurancc. If Lender required Mortgage Insurtulce as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mongage Insurance in effect. If, for any reason, the Mongage 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 tbe premiums for M0l1gage Insurance, Borrower shall pay the premiums requited to obtain coverage substantially equivalent to tbe Mortgage Insurance previously in effect, at a cost substa.ntially equ.ivalent to the cost to Borrower of the Mongage Insurance previously in effect, from an alternate mongage insurer selected by Lender. If substantially equivalent Mortgage Insuranctl coverage is not available, Borrower shall continue to pay to Lendtlr the amount of the separately designate4 payments that wertl due when the insurance l;Overage ceased to be in effect. Lender will accept. 1l.se 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 earninss on such loss reserve. Lender can no longer requ.ire loss reserve payments if Mortgage Insurancl: coverage (in the amount and for tbe period that Lender requires) provicted by an insurer selected by Lendet again becomes availabl~, i~ obtained. and Lender requires separately designated payments toward the premiums for Mortgage Insurance, If Lender requ.ired Mortgage Insurance as a condition of making the Loan and Borrower was required to malce separately designatecl payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage In~urance in effect, or to provide a nan-refundable loss reserve. until Lender's requirement for Mortgage Insurance ends in accorclimC;:c with any written agTe~ment between Borrower and Lender providing for such termination or until termination is rl;lquiTtld by Applicable Law. Nothing in this Section 10 affects Borrowtlr'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 Borrower does not f(,'Pay the Loan as agreed. Borrower is not a party to the Mortgage 1n..~'Urance . Mongage 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 ~heir filS};, or reduce losses. These agreements are on tenus ana conditions that are satisfactory to the mortgage insurer and the other patty (or parties) to these agTe~ments. These agreements may require thE:: mortgage insurer to maktl payments using any source of funds that the mortgage insurer may have available (whicl1 nlay include funds obtained from Mongage Insurance premiums). . .6[NJ;IIOOOlil I!I) Inlll~l~ paoe B (,r,., Ftlrm 3028 1/01