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200800270 9. Protection of Lender's Interest in the Property and Rights Under this Seeurity Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that mi:ghl significantly affect Lender's interest in the Property and/or rights under this Security Imtrument (such as a proceedin~ in b:aclcruptcy. probate, for cOnd~tion or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), Ot (c) BO!TOwer has abandOrted me Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security h;lstrnment, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien whicb. has priority over this Security Instrumem; (b) appearing in conn; and (c) paying reasonable a.ttomeys' fees to protect jt$ interest in the Property and/or rightS under this Security Insuument, including its secured position in a banknlptcy proceeding. Securing the Pl:operty includes, but is not limj,ted to. entering the Propeny to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate b'O.udjng or other code violations or ~ous conditions, and have utihties turned on OJ; off. Although Lender may tak:e action under this Section 9, Lender does not have to do so and is nOt under any duty or obligation 10 do so. It is ~eed that Lendet iI1curs no liabilitY for not taking any or all actions authorized under this Section 9. Any amountS di$bursed by Lender und.er this Section 9 shall become additional debt of Borrower secured by this Security Insuument. These mnoUrtts 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 paymtllt. If this Secutit)' lnsuumem is on a leasehola, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and me fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortg~gf; X:osurance. If Lender required. MortgJge Insurance as a condition of ~g th.e Loa:o.. BOIrowe.r shall pay the premiums required to :maintain. the Mort;age Insu.ranet w effect_ If, for any reason, , the Mongage msurance coverage req\l.irw by Lender ceases to be available from the mongage insurer that previously provided such insurance and Borrower was required to make separately d.esigDated payments toward the premiums for Mongage Insurance, Borrower sball pay the premiums r.equirecl to obtain coverage s\lbst.M.tially equivalent to the Mong~ge Insurance previously in effect, at .a cost substantially equivalent w the cost w Borrower of the Mortzage Insurance prevjously in effect, from an altenwe monga.ge insurer selected by L.(m(ler. 1f $U.bsumually equivalent Mortgage Insurance coverage is not available, Borrower shall conti.llue to pa.y to Lender the amount of tbe $e~ely designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept. use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve: shall be . non-refundable, notwithstanding the fQCt that the Loan is ultimately paid in full, and Lender shall not be required to pay BOrrower any interest .or earnings on such loss res.erve. Lender can no longer requite loss reserve payments if Mortgage Insurance coverage (in the amo\l.Ilt and for the period that Lender req1.1ires) provided by all insurer selecled by Lender :lgain bec:QInts available, is obtained, <md Lender requires separately designated payments toward the premiums for Mongage Insurance. If Lender requirecl Mortgage Insurance ag a condition of malting the Lom and Borrower was required to make separately designated payments toward the premiums for Mortgage Inswance, Bt);rrOwet shall pay the premiums requ.jxed to maintain Mong;aa:e Insur.ance in effect, or to provide a non-refundable loss reserve, until Lender's requirement fOr Mongage Insurance ends in accordance wjtb, any written agreement between BoJ:J:ower and Lencler providing for such tennination or until termination is required. by ApplicaDle Law. Nothing in this Section lO affects Borrower's obligation to pay interest at me rate provided in me Note. Moniage mS'Uranct reimburses Lend.er (or any entity that purchases the Note) for cenam losses it rna.y incur if Borrower d.oe$ not repay the Loan as agreed. Borrower is not a party to the Mongage Insurance. . " Mortgage insurers evaluate their total risk Ort all such insurance in forct from time to lime, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements ate on tenns and conditiOnS that are satisfactory to the mortgage insurer and the other pany (or ~arti.es) to these agreements. These agreements may require the mortgage insurer to make payments using any source of roncls thar rhe mortgage insurer may bave available (which may include funds obtained from Mortgage )J;),SUI'l!.Dce premiums). . -6(NE) (0006) ~ tfilillls: {It./' P1I991ht " Form 3028 1/01