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2U1008�9� 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. lf (a) Borrower fails to perform the 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 Sccurity Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for cnforcement of a lien wlaich may attain priority over this Security Instrument or to enforca laws or regulations), or (c) Borrower has abandoned the Property, then Lender may da and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and ri�hts under this Security Instrument, ineipding protecting and/or ass�ssin�; the value of the Property, and securing and/or repairing tlic: 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 reasonable attorneys' fees to protect its interest in the Froperty and/or rights under this Security Instrument, including its secur�d position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Praperty to make repairs, chan��; locks, replace or board up doors and windows, drain water From pipes, eliminate building or other code vialatians or dangerous conditions, and have utilities turned on or of£ Although Lender may take action under this S�ction 9, L,ender does not have to do so and is not under any duty or obli�;ation to do so. It is agreed that Lender incurs na liability for nc�t taking any or all actians authorized under this S�cti�m 9. Any amc>unts disbursed by Lender under this 5ection 9 shall becom� additianal dcbt of Borrower sccured by this Security Instrument. These amounts s1Ya11 bear interest at the Note rate from the date of disbursement and shall be payable, with such interc:st, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shaq camply with all the provisions of the Iease. If Borrower acquires fee title to the Praperty, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 1Q. Mortgage Insaranee. If Lender required Mortgage Insurance: as a condition of making the Loan, Borrower shall pay the premiums requircd to maintain the Mortgage Insurance in �ffect. If, for any reason, the Mortgage lnsurance coverage required by Lcnder ceases to be available from the martgage insurer that previously provided such insurance and Borrpwer was required to make sepzrately designated payments toward tlae premiums for Mortgage lnsurance, Borrower shall pay the premiums required ta obtaiia coveragc substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially �quivalent to the cost to $orrower of the Mortgage Insurance previously in effect, fram an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurancc coverage is not available, $orrower shall continue ta pay tc� Lender the amount of the separately desi�nated payments that were due when the insurane�: coverage ceased to be in effect, Lender will accept, use and retain these payments as a non-refundabl� lc�ss 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 ar eaxnin�;s on such loss reserve. Lender can no langcr requi.re loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that I,endr.r requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments taward the premiums for Mortgage lnsurance. If Lender required Mortgage Insurance as a condiCion of making the Loan and $orrower was required to ma.kc; scparately designated payments toward the premiums far Mortgage Insurance, Borrower shall pay the prt;miums required to maintain Mortgage Tnsurance in effect, or to provide a non-refundable loss reserve, until L�ndc�r's requirement for Mc�rtgagc Insurance ends in accordanee with any writtcn agreement between Borrower and Lender providing for such terminacion or until termination is required by Applieable Law. Nothiiag in this Section 10 affects Barrower'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 Borrower does not repay the Loan as agreed. Barrower is not a party to the Mortgage Insurance. Mort�;�ge insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. Thesa agre�ments are on terms and conditions that are satisfactory to the mortgage insurer and the other p�xty (or parties) to these agreements. These agreements may requirc the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). 1111056355 �-6(NE) (oao�).o2 P�e 8 of 15 � � / Form 3028 1/01 � ,�j.�,�..�