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200802938 9. Protcd.ion of Lender's Interest in tile Property and Rights Under this Seeurity Instrument. If (a) Borrower {ails to perform the covenll11ts and a~lS contained i?1 this Security lnstI1.u12~t, (b) there is a legal proceeding that mjght Ilignifi~dy affect Lender's :interest 1n the Property. and/or ng~ts undcr I:bis Security lnstnnnent (such as a proceeding in bankruptcy, probate, for condemnation or forfedure, for enforccmenl of a lien which may attain priority over this Security Instrument or to enforce laws or repations), or (e) Borrower haS abandoned the Propeny, then Lender may do and pay for whateVer is reasonable or appropriate to protect Lender's D1terest in tbe Property and rights under this Security Instrument, lDcludln; protecting and/or assessin,\; the val\'l.O of the Property, and securinl and/or repairing the Property. Lender's actions can include, but arc not limited to: (a) payin. any SUD1S SCCUJed by a lien which has priority over thilS Security Instrument; (b) appelll'inl :in court: and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights \Older this Security Instnnnent, including its secured position in a bilDkruptcy proceeding. Securing the PropertY Inclu(lCS, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and wiMOWS, drain water from pipes, eliminate building or other code violations or dangerollS conditions. and have utilidcs turned on or off. Although Lender may take action under this SectiOD 9, Lender does not bave to 60 so and is Dot under any duty or obligation to do so. It is agreed that Lender iDCurs DO liability for 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 this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursemCDt and sball be payable, wit:h such interest, upon notieo from Lender to Borrower requesting PllJ1Ilff~is Security Instxumcnt is on a leasehold, Borrower sball comply with alllhe provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and t:he fee tiUe shall Dot merge unless Lender agrees to the merler in writing. 10. Mortgage IosDraute. If Lender required Mongage Insuran<.:e 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 Monga;e Insurance coverage required by Lender ceases to bc available from the mortgage insurer that previously provided such iPsurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance. BO(TQwer shall pay the premiums required to obtain eoveraie substantially equivalent to the Mortgage lnsuraDee previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mongage Insurance previously in effect, from an alternate monl:a.Je insurer Selected by Lender. If substantially equivalent Mortgagelnsura:nce 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 paymcnts as a non-refnndable loss reserve m lieu of Mongage 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 mterest or eamings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance covcrage (in the amount and for the periad that I..ender requires) provided by an insurer selected by Lender again becomes available, is obtained, and. Lender requires separately designated payments toward the premiums for Mortgage Insunmee. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was TCquired to make separately desirnated payments toward the premiums far Mortgage Insurance. Borrower shall pay the premiums required to maintain Mortaagc Insurance in effect, or to provide a non-refundable loss reserve, until Lender's reqlliremeot for Mortgage Insur.mce ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Natbina in this Section 10 affccts Borrower's Obligation to pay interest at the raIe provided in the Nott:. Mortgage InslltallCe reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay thc Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from tUne to time, and may enter into agreements with other panies that share or modify their risk, or reduce lasses, These agreeIDents are on tenus 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 8.I1y source of funds that the mortiagc insurer may have available (which may include funds obtained fr0111 Mortgage InsW'lUlCC premiums). 01102B0022 Inlllllo:'1 "77>1R Form 3028 1/01 CIIt-6INEII0407I.o~ P:og. I Of 15 f~