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�o�io53s� 9. Protection of Lender's Interest in the Property and Rights Under tlus Security Instrument. If (a) Bonower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legat proceeding that might significantly affect Lender's inter�st 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 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 lixnited to: (a) paying any surns secured by a lien which has priority over this Security Instruinent; (b) appearing in court; and (c) paying reasonable attomeys' fees to protect its interest in the Properiy and/or rights under this Security Instrument, including its se,cured 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 or other code violations or dangerous conditions, and have utilities t�uned on vr off. Although Lender may take action under this Section 9, Lender dees 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 or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Secrion 9 shall become additional debt of Bonower secured by this Security Instrument. These amounts shall bear interest at the 1Vote rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower reyuesting payment. If tlus Security Instrument is on a leasehold, Barrower shaTl compiy with all the provisions of the lease. If Borrower acquires fee title to the Properly, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. i0. 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 Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the pretniums requir�l to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cast substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Martgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated gayments 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 not be required to pay Bonower any interest or eamings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (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 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 shalt pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such tennination or until termination is required by Applicable Law. Nothing in this Se�tion 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 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 agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may r�uire the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (wluch may include funds obtained from Mortgage Insurance premiums). 2200138819 D V6ANE N�12ASKA - Singie Family - Fannie AAae/Freddie Mac UNIFORM INSTRUMOVT WITH M �-6A(NE) Io8to1 Page 8 of 75 Initia�s: Foim 3028 1/01 �