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200801215 9. Protcction or Lender~s Interest in the Property and Rights Under thi.. S~urity Instnnne.ot. If (a) Borrower fails to perfonn the COVeI1artt$ and agreements contained in this Security Imitrument, (b) there is a legal proceeding that might significantly affect Lender's interest in lhe: Propeny and/or rights under this Socllrity Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfelmte, for enforcement of a llen which may attain priority over this Security Instrument or to enforce laws Or regulations), or {c} Borrower has abandoned the Propeny. then Lender may do and pay for whaIever is reasonable or appropriate to protect I...ertder's interest in the Properey and rIghIs untler this Security Insrrument, 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 Se<:ured by a lien which has priority over this Security Instrument; (b) appearing in coun; and (c) paying reasonable attorneys' fees to protect its imerest in the Property and/or rights under this Securjty Instrument, incl\ltiing lts secured position in a. bankruptcy proceeding. Securing the Property includes, bur is not limited to, entering the Property 10 mllke repairs, change locks, replace Or board up cloors and windows, drain water from pipes, eliminate building or orner code violations or dangeroUs conditions, and have utilities lurned on or off. Although Lender may take action under this Section 9, Lender does not have 10 do so and is not under any duty or obligation [0 do so. It is agreed that Lender incurs no liability tor 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 rh\S Se\..'Urity Instrument. These amounts shall bear imerest at the Note rate from the elate of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting paYIDf?ks Security Instrument is on a leasehold, Borrower shall comply with ail the provisions of the lea.,e. If BOrrower acquires fee title to Ihe Property, the leasehold and the fee title shall n01 merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to majntain the MotIl:age Insurance in etTect. If, for any reason, the Mongage Insurance coverage required by Lender ceases 10 be available from the mortgas:e insurer thaI previously provided such insurance and Borrower was required to make separately designated payments toward me premiums for Mortgage Insurance, Borrower shall pay the premiums required. to obtain coverage substantially equivalent to the Mortgage Insurance previously i.n effecr, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an ahernate mongllge insurer selected by Lender. If substantially equivalent Mortga~e Insurance coverage is not available, Borrower shall cominue {O pay to Lender me amount of the separately designated paymentS that were due when tbe insurance coverage cea5cd 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, notwilh!.1anding 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 call no loogq require loss reserve payments if Mortgage Insurance coverage (in the amoUnt lWd for the period that Lender requires) provided by !in insurer selected by Lender again becomes available, is obtained, and Lender requires sepa.rately designated payments toward the premiums for MOrlgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward. the premiwns for Mortgage InsuranCe, Borrower shall pay the premiums required to maiJItai)J Mongage Insurance in effect, or to provide a non-retW:tdable loss reServe, until Lender's requirement for Mortgage insurance ends in accordance with any written agreement between Borrower and Lender providinS for such. tennjnation or until tennination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay imerest at the rate provided in the Note. Mortgage Insurance reimburscs Lender (or any entity that purchases the Note) for certain losses it may incur if Eorrower does not repay the Loan as agreed. Borrower is not a party [0 the Mortsage Insurance. Mottgage insurers evaluate their total risk on all such insurance in force from time to lime, mld may enter into agreements wim other parties that share or modify their risk. or reduce losses. These agreemems are on terms and conditions th:n are satisfactory [0 [he mOrtgage insurer and the other party (or parties) to these agreemenrs. These agreemen[i) may require the mongage insurer to make payments using any source of foods that the morrgage insurer may have available (which may include funds obtained frOm Mortgage Insurance premi urns). G-6(NE) (00061 l!) I"Sll~ B 0116 IIIIti.J.ks.. Form :)O::!8 1'01 PS