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<br />9, Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to
<br />perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might
<br />significantly affect Lender's interest in the Properly and/or rights under this Security Instrument (such as a proceeding in
<br />bankruptcy, probate, far condemnation or forfeiture, for enforcement of a lien which may attain priority aver this Security
<br />Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lander may do and pay for
<br />whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument.
<br />including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions
<br />can include, but are not limited to: (a) paying any sums secured 6y a lien which has priority over this Security Instrument; (b)
<br />appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this
<br />Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not
<br />limited to, entering the Property to make repairs, change lacks, replace or board up doors and windows, drain water from pipes,
<br />eliminate building or other coda violations or dangerous conditions, and have utilities turned on ar off. Although Lender may
<br />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
<br />that Lender incurs no liability for not taking any or all actions authorized under this Section 9.
<br />Any amounts disbursed by Lander under this Section 9 shall become additional debt of Borrower secured by this Security
<br />lnstrumcnt. Thane amounts shall bear interest at the Nota rate from the date of disbursement attd shall be payable, with such
<br />interest, upon notice from Lender to Borrower requesting payment.
<br />If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease, if Borrower
<br />acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing.
<br />10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay
<br />the premiums required to maintain the Mortgage Insurance in effect. If, for any reason. the Mortgage Insurance coverage
<br />required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower
<br />was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the
<br />premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in affect, at a cost
<br />substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage
<br />insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue
<br />to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be
<br />in effect. Lander will accept, use and retain these payments as anon-refundable loss reserve in lieu of Mortgage Insurance.
<br />Such loss reserve shall be non-refundable, natwiihstanding the fact that the Loan is ultimately paid in full, and Lender shall
<br />not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve
<br />payments if Mortgage Insurance coverage (in the amount and for the period that Lander requires) provided by an insurer
<br />selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the
<br />premiums for Mortgage lnsurance. If Lender required Mortgage Insurance as a condition of making the Lvan and Borrower
<br />was required to make separately designated payments toward the premiums far Mortgage Insurance, Borrower shall pay the
<br />premiums required to maintain Mortgage Insurance itt effect, or to provide anon-refundable loss reserve, until Lender's
<br />requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing
<br />for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's
<br />obligation to pay interest at the rate provided in the Nate.
<br />Mortgage insurance reimburses Lender (ar any entity that purchases the Note) for certain losses it may incur if Borrower
<br />does not repay the Loan as agreed. Borrower is not a party to the Mortgage (nsurance.
<br />Mortgage insurers evaluate their total risk vn all such insurance in force from time to time, and may enter iota agreements
<br />with other parties that share or modify their risk, or reduce losses. These agreements era on terms and conditions that are
<br />satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the
<br />mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may
<br />include funds obtained from Mortgage Insurance premiums).
<br />As a result of these agreements, Lender. any purchaser of the Note, another insurer, any reinsurer, any other entity, or
<br />any affiliate of any of the foregoing may receive (directly or indirectly) amounts that derive from (or might be characterized as)
<br />a portion of Borrowers payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or
<br />reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share
<br />of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further:
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