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200708699 9. Protection of Lender's Interest In the Property and Rights Under this Secnrity Instrument. If (a) Borrower falls to perform. the coveuants and agr:ccmcnts contained in this Security Instrument, (b) there is a legal proceeding that might significamly affect Leoder's interest in the Property and/or rights under this Security lDstI1lDJe1lt (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) Bouower has abandoned the Property. then Lender may do and pay for whatever is reasonable or IlppJ.upliate to protect Lender's intcreat in the Property and rights under this Security Instrument, including protectingand/or assessing the value of the Property. and securing and/or repairing the Property. Lender's actions can include, but are not 1iInited 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 under 1his Security Instrument, including its securod position in a bankruptcy proceeding. Securing the Property includes. but is not limited to. enterblg 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 llDder this Section 9, Lender does not have to do 80 and is not under any duty or obligation to do so. It is agreed that Lender iJwurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender UDder this Section 9 shall become additional debt of Borrower secured by this Security lost:rum8nt. These llDI.01llltS shall bear interest. at ... Note rate from the date of disbursement and shall be payable. with snch interest. upon notice from Lender to Borrower requesting paymirtius Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee tide .to the Property. the leasehold and the fee tide shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender yequired Mortgage lnsnrance as a condition of making the Loan. Borrower sba11 pay the premiums required to TIUIintllm the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceasos to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward lhe premiums for Mortgage Insurance. Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insu.nmce previously in effect, at a cost substantbdly equivalent to the cost to Borrower of the Mortgage Insuratx:e previously in effect, from an alternate mortgage instu:er selected by Lemler. If substantially equivalent Mortgage InsumDCe coverage is not available. Bouower shall continue to pay to Lender the amount of the separately designated payments that wore due when the insurance coverage ceased to be in effect. Lander will accept. use and retain these payments as a non-refundable loss :reserve in lieu of Mortgage lDsuraDce. Such loss n:serve shall be non-refundable.notwitbstandiog 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 em no lODger require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by KIl insurer selected by Lender again becomes available. is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insnrance. If Lender required Mortgage lnsorance as a condition of making the Loan. and Borrower was required to make separately designated payments lowd the premiums for Mortgage lnsuraDce, Borrower sba11 pay the premiums required to maintain Mortgage Insnrance in effect. or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any w:ritum agreement between Borrower and Lender providing for such termination or u:nt:il termination is requ.iIed by Applicable Law. Nothing in this Section IOaf'fects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Iosumncc reimburSes Lender (or any entity that purchases the NOle) for certain losses it may incur if Borrower does not n1pay the Loan as agreed. B()]I[oWflI' is not a party to the Mortgage :Insurance. Mortgage 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 their risk, or reduce losses. These agreements are on terms 8Dd conditions that are satisfactory to the mortgage iDsnrer 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 (wbich may iDclude funds obtained from Mortgage ---premiums). c; J . ~~ Fonn3028 1/01 _-G(NE} 10005' P_8..f15