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200707399 9. Protection of Lender's Interestin the Property and Rights Under this Security Instrument.. If (a) Borrower fails to perfonn the covenants and agreements coi1tainedin this Security Instrument,(o) there is . a .legal. proceeding that might significantly affect Lender'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.. Instrunient .or to enforce. laws or regulations), or (c) Borrower has abandoned the Property, then Lender inaydo and pay for Whatever is reasonable or appropriate to protect Lender's mterest in the Ptopertyandrightsunderthis Security Instrument, including. protecting and! or . assessing .. the. value of thef>roperty ,.andsecuringandJ or repairing the Property. Lender's actions can include, but. are not limited to: (a) paying any sums secured bya lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Propertyand!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,. elimmate building or other code violations or dangerous conditions, and ha.veutilities turned on oroff. Although Lender may take action under this Section 9, Len.derdoes 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 become additional debt Of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the datc of disbursement. and shall be payable, with such interest, upon. notice from Lender to.. BorrOWer requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply. with a.11 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 mergerin writing. 10. Mortgage Insurance. If Lendenequired MOrtgage Insurance as a. condition of inaking the Loan, Borrowershall pay the premiums required to maintain the Mortga.ge Insurancem effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be avaihible from the mortgage. insurer that previouslyprovidcd such insurance and . Borrower . was required .t6 make.. separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgagelnsurancepreviously in effect, at a cost substantially equivalent to. the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substa.n.tia.llyequivalent Mortgage Insura.n.ce 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 be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such lossreserve shall be non-refundable, notwithstanding the fact that the Loan is uItimatelypaid in full, and Lender shall not be required 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 becomesavailable,is obtained, and Lender requires separately. designated payments toward the prcmiums for MortgageJnsurance. If Lender required. Mortgage Insurance as a condition ofma1cing the Loan. and Borrower was required to make separately designated payments toward the premiums for Mortgage Insura.n.ce, Borrower shall pay the premiums required to maintain Mortgage Insurance in effett, or to provide a non-refundable loss reServe, until Lender's requirement for Mortgage Insurance ends in accordance with any Written agreementbetween Borrower and Lenderprovidingfor such tenninationoruntil tenninationis required by Applicable Law. Nothing in this Section 10 affects. Borrower' sobligation to pay interest at the rate provided in the Note. Mortgage Insurancc reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower 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. t() time, and may enter into agreements with other parties that shareormodify theirnsk,oneduce losses. These agreements are on tenns and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to theseagreemertts.. These agreements may. require the mortgage insurer.. to make. payments using. any. sourcc of funds that the mortgage insurer may have available (which may. include funds obtained from Mortgage InsuranCe premiums). .-6INEI (0407).02 @ Pag98of15 Form3028 1/01