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200708697 9. Protection of Lender's Interest io the Proprrty and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) 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 1118trUDUml: or to enforce laws or regulations), or (c) Borrower has abandoned tho Property,.then Lender may do and pay for whatever is reasonable or apptopriate to protect Lender's interest in the Property and rights under this Security InstrumeDt, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can iDch1de, but are not limi.ted to: (a) paying any sums secured by a lien which bas 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 UDder this Security Instrumcmt, including its secured position in a bankruptcy pIl""~~. 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. eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may tab action UDder this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is aueed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any lUII01lDtB disbursed by Lender under this Section 9 shall become additional debt of Bouower secured by this Security Instrunumt. These amounts shall 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 paYTtbis Security Instrument: is on a leasehold, Borrower shall comply with all the provisions of the lease. If Bouower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agroos to the merger in writing. to. Mortpp Insurance. If Lender required Mortgage IDSUIaDCe as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Instmm.ce coverage required by Lender ceases to be available from the IIlOrtgage insu.ror that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower sba11 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 J:nsurance previously in effect, from an alternate mortgage insurer 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 to be in effect. Lender will accept, use 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 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 beco:mes available, is obtained, and Lender requires separately designated payments toward the premioroa for Mortgage I:osuram:e. If Lender required Mortgage Insurance as a condition of matins the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage I:usurance, Borrower sba1l pay the premiums required to maintain Mortgage Insurance in effect. or to provide a 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 tenoination or until tcnnination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage IDsutance :rehnburSes Lendcr (or any ontity that purchases the Note) for certain losses it may incur if Bonower does not repay the Loan as agreed. Borrower is not a party to the Mortgage hlsurance. Mortgage insu:rers evaluate their total risk on an socb 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 tenDs and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include m obtaioed from Mortgage Insurance premiums). ~/ J Inld"'~ _-6INE)!OOOtll 1'1IIl...on6 Fonn 3029 1/01