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20100846G 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that rnight significantly affect Lender's interest in the Property and/or rights under this Security Tnstrument (such as a proceeding in bankruptcy, probate, for condemnation ar forfeiture, for enforceznent 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 L.ender may do and pay for whatever is reasonable 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 Property. Lender's actions can include, but are not lirnited 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 tkie Property and/or rights under this Security Instrurnent, including its secured position in a bankruptcy proceeding, Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building ar ather code violations or dangerous conditions, and have utilities tumed on or off. Although I.ender 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 Lender incurs no liability for not taking any ar all actions authorized under this Section 9. Any amaunts 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 Note rate from khe date of disbursement a:nd shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrurnent is on a leasehold, Borrower shall connply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless I..,ender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making 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 fram the rnortgage insuz'et' that previously provided such insurance and Borrower was required to nnake separately designated payments towazd the premiums for Mortgage Insurance, Borrower shall pay the premawns required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Tnsurance previously in effect, frorn an alternate rnortgage insurer selected by Lender. If substantially equivalent Mortgage Tnsurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insuranc� coverage ceased ta be in effect. L.ender 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 fu11, and J,ender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payrnents if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by I..,ender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a conditian of making the Loan and Borrower was required to make separately designated payrnents toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until L,ender's requirement for Martgaga Insurance ends in accordance with any written agreement between Borrower and Lender providing �'or 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 Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if $orrower does not repay the Loan as agreed. $orrower is not a party to the Mortgage Insurance. Mortgag� insurers evaluate their total risk on all such insurance in farce from time to time, and may enter into agreernents with other parties that share or rnodify their risk, or reduce losses. These agreements are on terms and canditians that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements znay require the moRgage insurer co make payxnents using any source of funds that the rnortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). i��c�ais: �-6GINE) 100o5).ot Page 8 of 15 Form 3028 7/07 � , �i ; �t ii I'� + (; �. �