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200805531 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Bonuwer fails to perfoml the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Propertyand/or rights under this Security Instrument (such as a proceeding in banknJptcy, probate, for condemnation or forfeiture, for enfon:ement of a lien which may attain priority over this Security Instrument or to enforee laws or regulatioll'i), or (c) Borrower has abandoned the 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 Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actiOIl'i can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasoIlllble attorneys' fees to protect its interest in the Propertyand/or rights under this Security Instrument, including its secured position in a banknJptcy proceeding. Securing the Property include...., but i.. not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, <lntin water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no 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 Bonuwer secured by this Security Instrument These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Bonuwer requesting payment If this Security Instrument is on a leasehold, Bonuwer shall comply with all the provisions of the lease. If Bonuwer acquires fee tide to the Property, the leasehold and the fee title shall not me~e unless Letxler agrees to the me~er in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Ill'iurance in effect If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available fn)m Ute mortgage ill'iurer that previously provided such insurance and Bonuwer was required to make separately designated payme~ toward the premiunv; for Mortgage Insurance, Bonuwer shall pay the premiums required to obtain coverage suhitantially equivalent to Ute Mortgage Insurancc previously in effect, at a cost suhitantially equivalent to the cost to Bonuwer of the Mortgage Insurance previously in effect, from an alternate mortgage ill'iurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the ill'iurance coverage ceased to be in effect Lender will accept, use and retain these payme~ as a non-refwtdable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwith'itanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Bonuwer any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separntely designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Bonuwer was required to make separately designated payments toward the premiunv; for Mortgage Insurance, Bonuwer shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in acconlance with any written agreement between Bonuwer and Lender providing for such tennination or until tennination is required by Applicable Law. Nothing in this Section 10 affects Bonuwer's obli~ation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purehases the Note) for certain losses it may incur if Bonuwer does not repay the Loan as agreed. Bonuwer is not a party to the Mortgage lnsurdIlCe. Mortgage ill"iurers 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 temv; and conditions that are satisfactory to the mortgage ill'iurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments u..ing any souree of fwtds that Ole mo~age insurer may have available (which may include funds obtained from Mortgage Insurance premiums). 002005398805 ""-6A(NE) (0407).01 "-80115 -zI1- Form 3028 1/01 CitiMortgage 3.2.15.16 V3