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201005931 9. Prntectiou of Lender's Interest in the Property and ~b Under tltie Security Iuatrrrmea#. If (a) Borrower tails to perform the covenants and agreements co~ained in this Secuuity Iustnrmcsrt, (b) there is a legal proceeding that might significantly affect Larder's interest in the Propexty and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for candemartian or forfeiture, for enforcement of a liar which may attain priority over this Security Inshvmerrt or to enfotee laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's irterest in the Property and rights under this Security Instrumart, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are eat limited to_ (a) paying any sums secuued by a lien which has priority over dais Security Instrument; (b) appearing in court, and (c) paying rcas~nablc attorneys' fees to protect its interest in the Properly and/or rights under this Security Instrument, including its secured position in a banhuptcy proceeding. Securing the Property includes, but is not limited to, enteruag the Property to make repairs, change locks, replace or board up doot~s and winslnws, drain water from pipes, elimi»atc building or other code viohrtions or dangerous conditions, aixl have utilities turned on or o~ A,lthaugh Lender may take sedan under this Section 9, Lerrdeir dace not have to do sD smtl is xtot under any duty or obligation to do so. It is agt+eed that Lender incurs na liability for not takung any or all actions authorized under this Section 9. . Any amounts disbursed by I.endex under this Section 9 shall become additional debt of Borrower sccrrrcd by this Security Insitxrmart. These amounts shall bear interest at the Note rate from the date of disbutaennent and shall be payable, with such interest, upon notiCC from Leader t0 Borrower requesting paymart. _ If thrs Security Instrument is on a leasehold, Borrower shall comply with all the previsions of the lease. If Bornnwer acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing_ 10. Mortgage Inaurunoe. If Larder required Mortgage Insurance as a condition of making the Loan, Borrower shall pay We premiums required to maintain the Mortgage Insurance in effett: If, for any reason, the Mortgage Insurance coverage required by Lendea ceases to be available from the mo~ge insurer that previously provided such insurance and Borrower was required to: make separately designated payments toward tin premiums for Mortgage Inswance, Borrower shall pay the pr+cmiums tscquircd to obtain coverage Willy equivalart to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, &rrrowcr shall continue to pay to Lender the amount of the separately designated paymens that were due whar the insurance coverage ceased to be in effect, Leader will accept, use and retain these payments as a mour-refundable loss reserve in lieu of Mortgage Insurance_ Such loss reserrve shall be non-refundable, notwithstanding We fact that the Loan is ultimo#aly paid in full, and Lender shall not bo required to pay Borrower any interest err earnings on such loss reserve. Lem eau no longer require loss reserve paymarts if Mortgage Insurance arverage (in the amount and for the period that Lem requires} providal by an insurer selected by Lerada again becomes available, is obtained, and Lender regtitires separately designated payments toward the premiums far Mortgage Insurance. If Larder required Mortgage Insurance as a condition of making the Loan and Borrower was required to malts separately designated paymarta toward the premiums for Mortgage Insurance, Borrower sha11 pay the premiums required to maintain Mortgage Insurance in effect, err to provide a noar~fundabla loss r+escrve, until Larder's re~tirerarent for Mortgage Insurance ends in accatdance with arty written agt~ent bctwear Banvwet and Larder providing far such tetmi~nation ~ until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pax interest at the rate provid«l in the Note. Mortgage Insurance reimburses (~.goder (m any entity that purchases the Note) for certain losses it may incur if Borrower does not the Loan as agreed. Borrower is eat a party to the Mortgage Insurance. Mortgage insurexa evaluate . total risk on all such insurance in fior+ce furor tints to time, and may enter into ag[+xmarts with other 'eg that share or modify their risk, err roduct krises. These agreemarts are on terms and conditions that are satisfactory to the mortgage insurer and the other party (err patties) to three agreemmts, These agreements may tbquire the mortgage rosurea to make payments using arty source of funds that the mortgage insurer may have available (which nosy include funds obtained from Mortgage Insurance preriums). Nt_BRABKA- Single Famgy - FannM tMaaJFrrddM Mac UNIPDRM INS'IRUMt3NT ~~(NE) (osi ~l ~. a of 14 mew.: ~ Fenn ~ 1101