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.' 200801439 9. Protection ot Lender's lntere$t in tbe Property and Rights Under this Security Iustrun:..ent. If ~a) Borrower fails to perform the covenantS and agreements contained in this Security Instrument, (b) there Isa legal proceeding that might significantly affect tender's interest in the Property and/or tights under thIS Secunty Instrument (such as a proceeding in banktuptcy, probate, for condemnation or forfcirure, for enforcement of a lien which may attain priority over tbis Sectlrity lastrument or to enforce laws or regulations), or (c) Borrower has abandoned the Propeny, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights nuder this Security Instru.nlent, including protecting and/or assessing the value of the Property, and securiug and/or repairing the Property. Lender's actions can include, but are not limited. to: (a) payiug any Swns secured by a lien which has priority over this Security Instrument; (b) appearing in COl)rt; and. (c) paying reasonable atwmeys' fees to protect its interest in the Property andfor rights under this Security Instrument, including its secured position in a bankruptcy proceed.ing. Securing the Property includ@s, but is not limited to, entering the Property to I11lll<:e repairs, change locks, replace or board up doors and windows, drain water from, pipes, eliminate build.ing Or Other code violations Or dangerous conditions, and b.ave utilities tw:ned on or off. Although Lender .may take action under this Section 9, Lender does not have to do lSO and is not ~,:,-,. un~er any dutr Or obligati?n to d.o so. It u; agreed that Lender i.ucurs no liability for not taking any or aU C/{, '';, actIons authonzed under this Secuon 9. ~<>, '~Q(~\ Any amountS disbursed by Lenc:1=' W1de:r tWs Section 9 sball become adaitional debt of Borrower ~" "~;,'~'r'\\ secured by this Security Instrument. These amounts shall bear interest at !be Note rate frozn the date of ~, ~ \\~;;"'7."" aud$balI be payable. with such ""'- UP" notice from I.<.ndc. to Borrow", req~ ;tJ ~ ;;: Ir If thiS Secunty Instrunlent 1" on a leasehold, Borrower shall comply WIth all we prOVls~ons of the ~,~. ft... iI.': J lease. If Borrower acquires ~ ti~l! to the Property, the leasehold and the fee title shall not merge unless '!fl. /}' Lender agrees to the merger m wnhng. ~~o:'" 10. Mortgage lnsuranc:e. If l..e;Qder required Mortgage lnsurance as a condition of making the Loan, ~ Borrower shall pay the premiums required to maintain the Mortgage Insurance in d'fect. If, for any (eason, the Mongage lru;urance coverage required by Lender ceases to be available froxn the mortgilEe insurer that previously provided such insurance and Borrower was required to make separate.ly designated payments toward the premiums for Mongage Insu:ranc:e, Borrower shall pay tbe premiUII1ll required to obtain coverage substantially equivaleAt to the Mongage Insurance previously in effect. at a cost S'ubstantially equivalent to the cost to Bouuwer of the Mortgage Insurance previOU$ly in effect, froxn an alternate mortgage iusurer selected by Lendex-. If SUb$tantially equivalent Mortiage 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. l..ender will accept. use and retain these payments as a uon-refundable loss reserve in lieU of Mongage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that tb.e Loan is ultimately paid in full, and Lender shall not be required to pay BorrowCl any interest or taIlings on such loss reserve. Lender can no longer require loss resen-e payments if Mortgage Insurance coverage (in the: amoum and for tIle period that Lender requires) provided by an insurer selected by Lender again becomes available. is obtained, and Lender requires sep:uately designated paymerttS toward the premiums for Mort!age Xnsurance. If Lender required Mortgage Insurance as a condition of making the Loan and BonQwer was requited to maI<e separately designated payments toward the premiwns for MortJage lmJurance, Borrowe:r shall pay the premiums required to maintain Mongage Insurance in effect, or to provide a non-refundable loss N:SEllVe, until Lender' oS requirement for Mortgage Insurance ends in accordance with any wrirten agreement between Borrower and Lender providing {OJ; such t&':Xmination or until termination is required by Applicable Law. Noming in this Section 10 affects Borrower's obligation to pay interest at the rate provid.ed in tl:\e Note. _ Mortgage lrtS'Urance reimburses Lender (or any I!l1tity that purchases the Note) for Certain losses lt may incur if BorroweJ; 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 iDMance in force from time to time, and xnay enter into agreements with other parties that share or modify their risk, or reduce losses. These agreen.1Mt$ are on terms and conditions that are satisfactory to the mortgage insurer and the other pany (or parties) to these agreements. these agreemems may require the Mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage lo.SuraIlce .I?remiU1tl$). _ -G(NE) 10005' @ .-1../ ~61.- "fA ~'1-f, plIg<;eQ/1S !I' Form30~S 1/01