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200705840 9. PrQ{ection of Lender'" Interest in the Property and Rigbts Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements (;ontained in this Security Instmment, (b) there is a legal proceeding that might significantly affect Lender's interest in the 'Property andlor rights Wlder this Security Instrument (such as a proceeding in bankruptcy, probate. for condemn..'l.tion or forfeirure, for enforcement ot a lien which may attain priority over this Security Instnmlent or to enforce laws or regulations), or (e) Borrower has abandonod the Property, then lender may do and pay for whatever is reasonable or appropriate to protect ltln4er's interest in tho l?topeny and nght:s under this ScctJrity Instrument. including protecting and/or assessing the value of the Property, and securing ana/or repairing the Propeny. L.."Tlder's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this SecW'ity Instrument: (b) appearing in conn; and (e) paying reasonublc attorneys' 'fees to protect its in~erest in the PrOperty andlor rights under this Security (P/itnunent, including its secured position in a bankrup~y 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, oliIninate building 01' other code violations or dangerous conditions. and have utilities turned on or off. Although Lender may take aetiol). 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 lial;tility for not taking any or all 8CtiOIlll authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shj\11 become additional debt of Borrower secured by this Security Instrument. Theso amounts shall bear interest at the Note rate from the date of disbW'sement and ~all be payable, with such interest, upon notice from Lender to Borrower requesting paymiFtus Security Instrument is on 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 In&W'ance as a condition of making the Loan, Borrower shall pay the premiuIIlJi required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage wlU'ance coverage required by Lender ceases to be available from the mortgage msuI'l;!r tbat previously provided such insurance and Borrower was required to make separately clesignated 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 cost substantially equivalent to the cost to Borrower of the Mortit&c Insurance previOUSly in effect, from an alternate mortgage 113surer selected by Lender. If substantialJy equivalent Mortgage InslU'atlce coverage is not available, Borrower shall continue to pay to ~I'\der the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a nODwrefundable loss ft"SefVe in lieu of Mongage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the loan is ultimatuly paid in full, ancl Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require toss reserve payments if Mortgage Insurance coverage (in the amount and for the period that L.."I1der requires) provided by an insurer selected by Lender again btlCoroes availablf;, is obtained, and tender requires separately designated payments toward the premiums for Mortgage Insurance. If Londer required Mortgage Insurance as a Condition of making the Loan and Borrower was required to make separately designated payments toward the premiums fOT Mortgage Insurance, BOlTower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide it non"refundable loss reserve, until ,Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such tem1ination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest a~ the rate provided in the Note. Mortgage Insurance reimburses Lender (Or :ul.Y entity that purchases the Note) for cenain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurer& evaluate their total risk on all SQch insurance in force from time to time, and may cn~er into agreements with other parLies that share or modify their lisk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage in....urer and the other pany (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mongage insurer may have available (which may include funds obtained from Mortgage Insurance premium.s). .. .6(NE) 100051 ~ PaceD or l~ '"~~ Form 3029 1/01