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2osoo7s5� 9. Protection of Lender's Interest in the Property and R�lghts Under this Security Instrument. If (a) Borrower fails to perfarm the covenants and agreements cantained in this 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 as a proceeding in bankruptcy, probate, for condemnation 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 reasanable 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 Prpperty. Lender's actions can include, but are nat limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Tnstrurnent, including its secuxed position in a bankruptcy proceeding. Securing the Property includes, but is not lirnited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building ox other code violations or dangerous conditions, and have utilities turned on ar 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 I,ender incurs no liability for not taking any or all actions authorized under this 5ection 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These 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 Barrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall cnmply with all the provisions of the lease. lf Barrawer acquires fee title to the Propsrty, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If I,endsr required Mortgage Insurance as a condition af rnaking the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by L,ender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required ta make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previausly in effect, at a cosC substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. Tf substantially equivalent Mortgage Insurance coverage is not available, Borrawer 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 a 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 nat be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Tnsurance coverage (in the amount and for the period that L,ender requires) provided by an insurer selected by Lender again becomes available, is obtained, and I.ender requires separaCely designaced payments toward the prerniums 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 premiums for Mortgage Insurance, Borrower shall pay the prerniurns required to maintain Mortgage Insurance in effect, ar ta provide a non-refundable loss reserve, until T.ender's rsquirement for Mortgage Insurance ends in accardance with any written agreement between Borrower and Lender providing for such termination or until termination is xequired by Applicable Law. Nothing in this Section 10 affects Borrower's obligatinn to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreernents with other parties that share or modify their risk, or reduce losses. These agreements are on terms and canditions that are satisfactory to the mortgage insurer and the oCher party (or parties) to these agreements. These agreemenCs may require the mortgage insurer to rnake payments using any source of funds that the mortgage insurer may have available (which may include funds obtained fram Mortgage Insurance premiums). / /� 0110303504 Ut. 6�NE) 1oao�1.o2 Pega 8 ot i 5 ��. Fvrm 8Q28 1I01 �" , py�o