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200806925 9. Protettion of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the cOVenants and agreements contilinoo in tbis Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such asa proceeding inbanktuptcy, probate, fQrcondemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument Or to enforce laws or regulations), Or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is re<lsOilable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, induding prQtecting arili/or assessing the value of the Property, and securing and/or repairihg :the Property. ~nder's actions can include, but m:e not.lirnited to: (a) paying any swns secured by l! lien which has priority over this Security Instnnnent; (b). appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument,including its secured position in II bcmkruptcy. proceeding. Securing the Property include~, but is not limited to, enlering the Property to make repairs. chang~ locks, replace o(board up'doors and windows, drain water from pipes, eliminatebuildirig o( other code violations otd<\:i1gerous conditions, arid hiiVe uti,litie$ttir~ed on or off. Although Lender Iiiay take action underthls Section 9, Lender does not have to do so and is fiot :under. any . duty., or.. obligation todoso'.n . is agreed that LeMer Incurs noliabHity for uottaking any.. Of 'all 'actions authoriiedunder this SeCtion 9:' .. ... ' . ....., . ' . .'. .'.'..,. . . , .. Any amounts disbursed by Lender under this Section 9 shall become additional debt of UorroWer secured by thisSeClll'ity insthlment. These amOunts shall bear interest at the Note rate from the date of disbllrSement and shall be payable, with such interest, upon notice from Lender to aori'ower 'requesting payntcllt. . . .. . . .".. . . If this Security Insttunlent is on a leasehold, BorroWer shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee litle shall not merge unless Lender agrees to the merger in wtiting. .. .. .10. MortgageInsurance. If Lender required Mortgage Insurance 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 Mortgage InsJlrance coverage required by Lender Ceases to be available from the mortgage insurer that previously provided such'insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrowersl1alI pay the pr~miums required to Obtain cOverage substa11ti!llly equivlllent to the Mortgage Insurance previously in effect, ata cost substantially equivalent to the cost to. Borrower of the Mortgage Insurance previously iueffect,. from an alternate ,mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Bortower'shall continue to pay to Lender the amount of the separately designated paym~nts that were due when the insurance coverage teasoo to be in effect. Lender will accept, use and retain these payments as i!l non-refundable loss reserve ,in lieu of Mortgage 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 interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage, Insurance cover<lge (in. the amount and for the period that Lellder requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires 'separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premhnns for Mortgage Insurance. Borrower shall pay the premiums required to maintain Moitgage Insurance in effect. or to provide a non-refumlable loss reserve, until Lender's requirementfor MortgageIn!iurance ends in accordance with any written agreel)lent between Borrower and Lender providing for such te~min,atioll or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's'obligation to pay interest at tl1e rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if ,Borrower docs not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. . . . Mortgage insurers evaluate their total risle. on all such insurance in force from time to time, and may cnter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on tenns and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agrecrnCntsmay require the mortgage insurer to makepaymemsusing any sotirce offunds thatthemortgage insurer may have available (whiCh may include funds obtaiil00 frOln Mortgage Insurance premiums). . Inl~ 0110283305 e-6INEI 10407).02 @ PRgO a of 15 ;ill Form 3028 1/01