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2oioo$z58 9. Pratection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails ta perform the cov�nants �1d agreements containsd in this Security Instrument, (b) there is a Icgal proceeding that might significantly affect I,ender's interest in the Property and/ar ri�hts under this Sccurity Instrument (such as a proceedin�; in bankruptcy, probate, for condemnation or farf�iture, for enforccment of a lien which may attain priority ��ver this Security Instrument or to enforce laws or regulations), or (c) Borrower has dbandoned the Aroperty, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Praperty and rights under this Security Instrument, including protecting and/or assessing the vahie of the Pra�crty, and securing anci/or repairing the Property. Lender's actians can include, but are not limited to: (a) paying any sums securcd by a lien which has priority over this Sccurity lnstrument; (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 a bankruptcy praceeding. Securing thc Property includes, but is not limited to, enterin�; thc; Property to makc repairs, change locks, replace ar board up doors and windows, drain water From pipes, eliminate building or ather code violations ��r dangerous conditions, and have utilities turned on or off. Although Lendcr may take action under this Section 9, Lender does not have to do so and is not under dny duty or obli�ation ta do so. Tt is agrecd that Lender incurs no liability for not taking any or all actions authoriz,ed under this Section 9. Any amounts disburs�d by Lender under this Section 9 shall become additionai debt of Borrc�wer sc:cured by this 5ecurity Instrument. These amaunts shall bear interest at the Note rate from the date af disburscment and shall be payable, with such interest, upan notice from Lender tq Borrower requesting paymcnt, If this 5ecurity Tnstrurnent is on a leasehold, �arrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Froperty, tlie leasehold and the fce title shall not merge unless Lender agrees to the merger in writing. 10. Martgage Insurance. If Lender required Mort�age Insurance as a condition of making the Loan, Barrower shall pay the premiums required to maintain the Martgage Insurance in effect. If, for any reason, the Martgage Insurance caverage required by Lender ceases to be available from the mortgage insure:r that prcviously provided such insurance and Borrower was required to make separately designated payment5 toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain eoverage subst�aitially equivalent to the Mortgage lnsurance previously in effect, at a c�st substantially equivalent to the cost to Borrc�wer of the Mortgage Insuranec previously in effect, from an alternate mortgage insurer sclected by Lender. If substantially equivalent Mc�rtgage Insurance coverage is not available, I3orrawer shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased ta be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such lass reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimatcly paid in full, and Lender shall not be required to pay Borrower any interest or carnings an such loss reserve. Lcnder can no longer requir� lass rescrve payments if Mortgage Insurance coverage (in the amount and for the; period that Lender requires) pravided by an insurer selected by Lender again becomes available, is abtained, and Lender requires separatcly designated payments tovvard the premiums for Mortgage Insurance. If Lender required Mortgage Insurancc: as a condition of making the Loan and Borrower was required to make sepaa'ately designated payments toward the premiums for Mortgage Insurancc, Sorrower shall pay the premiums required to maintain Mortgagc Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Martgage Insurance �nds in accordance with any written agreement between Borrow�r and Lender providing for such termination or untit terminatian is required by Applicable Law. Nothing in this Section 10 affects Borrawer's obligation to pay interest at the rate provided in tli� Note. Mort�age insurance reimburses L,ender (or any entity that purchases the Note) for certain lc�ss�s it may incur if Borrower docs not repay the Loan as agrctd. Borrower is not a�arty to the Mortgage Insurance. Martgage insurers evaluate their total risk 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 rc:duce losses. These agreements are on terms and conditions that are satisfactory to the mort�age insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to makc �ayrnents using any source of funds that thc mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). �-6(NE) (oaa��.az P�e 8 of 15 ti` Initlals: 1111056073 Form 3028 1/01