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2014485�� 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) $orrower fails to perform th� covenants and agreements contained 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 5ecurity 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 regulatians), ar (c) Borrower has abandoned the Property, then Lender may do and pay far whatever is reasonable or apprapriate ta protect I,ender's interest in the Property and rights under this Security Instrument, including protecting and/or assessin� the value of the Froperty, 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 over this Security Instrument; (b) appearing in court; and (c) paying reasonabl� attorneys' fees to protect its interest in the Property and/ar rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not lirnited to, entering the Property tc� maka re;pairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or othc;r code violations or dangerous conditions, and have utilities turned on or of£ Although Lender may take action under this Sectian 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 na liability for nUt taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this 5ection 9 shall become additional dcbt of Iiorrower secured by this Security Instrument. 'i'hese amaunts shall beaa' interest at thc Note rate from the date of disbursement and shall be payablc, with such interest, upon notice from Lender to Borrower requesting payment. lf this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the I'roperty, the leasehold and thc fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insuranee. If Lender required Mortgage InsuraiYCC as a condition of making the Loan, Borrower shall pay thc Premiums required to maintain the Mortgage Insurance in �ffect. If, far any reason, the Mortgage lnsurance coverage required by Lendcr ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was rcquired to make separately designated payments tc�ward the premiums for Mortgage Insurance, Barrower shall pay the premiums required to obtain coverage substantially equivalent ta the Mortgage Insurance previously in effect, at a cost substantially equivalent to th� cost to I3orrower of the Mortgage lnsurance previausly in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Tnsurance coverage is npt available, $orrower shall continue to pay ta I,ender the amount of the separately designated payments that were due when the insurance cov�;ra�;e ceased to be in effect. Lender will accept, use and retain these p��yments as a non-refundable loss reserve in lieu of Mortgage Insurancc. Such loss reserve shall be non-refundable, notwithstanding the fact that th� Loan is ultimately paid in full, and Lender shall not bc required to pay Borrower any inter�st or earnin�s on such loss reserve. Lender can no lon�er require loss reserve payments if Mortgage Insurance cov�ragc (in the amount and for 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 Mortgage Insurance. lf Lender required Mortgag�; lnsurance as a condition of making the Laan and Barrower was required to make separately desig�aated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required tc� maintain Mortgage Insurance in effeet, or to pravida a non-refundabl� Ic�ss reserve, until Lender's requirement fc>r Mortgage Insurance ends in accordance with any written agreement bctwe�n }3orrower and Leilder providing far such terminatian or until teri�ination is required by Applicable Law, Nathing 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 Nate) far certain lasses it may incur if $orrowcr does not repay the Loan as agreed. Barrow4r is nnt a party to the Mortgage Insurancc:. Martgage insurers evaluate their total risk o❑ all such insurance in farce from time to time, and may enter into agrcernents with other parties that share or modify their risk, or reduce lasscs. These agreements are on terms and conditions that are satisfactory to the mortgagc insurer and the other party (or parties) to these agreements. These agreements may require the martgage insurcr to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Tnsurance premiums). 1111056147. ,, s:l� �-6(NE) �oao��.oz P�sB af i5 � Form 3028 1/01 �