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201006053 9. Protection of Lender's Interest iu the Property and Rights Under this Security Instrurneatt. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b} there is a legal proceeding that nnight sigrrif"icantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for cnndemnatian ar forfeiture, for enforcement of a lien which may attain priority aver this Security Instrument or to enforce laws or regulations}, ar (c) Borrower has abandoned the Property, then Lender, may da and pay for whatever is reasonable or appropriate to protect Lender's interest ion 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 actions can include, but are not limited to: (a} paying any sums secured by a lien which has priority aver this Security Instrument; (b) appearing in court; and (c} paying reasonable attorneys' Fees to protect its interest in the Property and/or rights under #his Security Instrument, including its segued position in a bankruptcy proceeding- Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace ar board up doors and windows, drain water from pipes, eliminate building or other cads 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 sa and is not under any duty ar obligation to do sn. It is agreed that Lender incurs na liability for oat taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Secxion 9 shall became additional debt of Borrower secured by this Security Instrument. 'T'hese amounts shall bear interest at the Nate rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument 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 falls shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Harrower shall pay the premtutns required to maintain the IVlortgage Insurance in effect. If, far any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to rooks separately designated payments toward the premiums far Mortgage Insurance, Borrower shall pay the premiums required to obtain carrerage substpntially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cast 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, Barmwer 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' payments as anon-refundable Iris 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 coverage (in the amount and far the period that Lender requires} provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated, payments toward the premiums far Mamie Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums far Mortgage Insurance, Iiorrawer shall pay the premiums re aired to mafntain Mortgage Insurance in effect, or roprovide anon-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written a eement between Harrower and Tender prnvi~diung for such termination or until termination is required by applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Nate. Mortgage Insurance reimburses Lender (ar any entity that purchases the Nate) for certain lasses it may incur if Harrower does not repay the Loan as agreed. Harrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk an all such insurance in farce from time to time, and tray enter into agreements with other parties that share or modify their risk, or reduce lasses- These agreements are an terms and conditions that are satisfactory to the mortgage insurer and the other party (nr parties) to these agreements. These agreements may require the mortgage insurer to make payments using arty source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums}. $$tlA$59a19 88Qtl889~7.9 Nt9~RAS1V1 - Singl® Family - Fannie MaalFrsddta AAae UNIFORM INSTRUNEE`~17 WIT RS ~~6A(N~tosio~ wageaor~s in~siais: ~ FnrmSd'28 1fQ7