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�U�1054�9 9. Protertton of Leader`s Interest in the Properiy and Rights Under this Secnrity Tnstrament If (a) Horrower fails to perform the covenants and agrcements containe� in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender' s interest in the Property and/or rights imder ttris 5ecurity Inshiiment (such as a procee�ing ia bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien whicli may attain priority over this Se�urity Instrument or to enforce laws or regulations), ar(c) Bonower has abandoned the Properiy, then Lender may do and pay for whatever is reasonable ar appropriate to protect Lender' s interest in the Properiy and rights under this Se�urity Inshvment, including protecting and/or assessing the value of the Property, and se�uring and/or repairing the Property. Lender' s actions can include, but are not limited to: (a) Pa3'ing anY sums secured by a lien which has priority over this Security Tnstrument, (b) apPearing in court; and (c) FaYing reasonable attorneys' fees to prote�t its interest in the Property and/or rights under this Security Tnstrument, including its se�ured positian in a bankruptcy proceeding. Securing the Properiy includes, but is not lirnited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other cade violations or dangerous conditions, and have utilities turned 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 ar obligation to do so, It is agreed that Lender incurs no liability for not taking any or atl actions authorized under this Se�tion 9. Any amounts disbursed by Lender under this Section 9 shall bec;ome additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursanent and shall be payable, with such interest, upon notice from Lender to Bonower requesting a p If this Security Inatrument is on a leasehold, Bonower shall comply with all the provisions of the lease. If Borrower acquires f� title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender requirea Mortgage Insurance as a condition of making the Loan, Borrower shall pay the gremiums requirerl to maintain the Mortgage Insurance in effect. I� for any reasaq the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insiu�er that previously providefl such inm,ri,,,ce and Borrower was requirefl to make separately desigc►ated PaYments towazd the premiums for Mortgage Insarance, Borrower shall pay the premiuins required to obtain coverage substantially e�uivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effe�t, from an alternate mortgage insurer selecterl by Lender. If substantially e�uivalent Mortgage Insurance coverage is not available, Borrower sha11 continue ta pay to Lender the amount of the separately designated payments that we�e due whea the insurance coverage c�ase� to be in effect, Lender will accept, use and retsin these payments as a non refundable loss r�erve in lieu of Mortgage Insutance. Such loss reserve shall be non refimdable, notwithstanding the fact that the Loan is ultimately paid in fuit, and Lender shall not be required to pay Honower �y interest or earnings on such loss reserve. Lender can no longer require loss resexve 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 obtaine�, and I,ender requires separately designated payments towazd the premiwm.c for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately desigaated payments toward the premiums for Mortgage Insurance, Borrower sha11 pay the premiums re�uir� to maintain Mortgage Insurance in effect, or to provide a non refimdable loss reserve, until Lender's re�uirement for Mortgage Insurance ends in acxordance with any written agteement betwcen Boirower and Lender providing for such termina�ion or until termination is re�uired by Applicable Law. Nothing in this Section 10 affects Borrower' s obligatioa to pay interest at the rate provided in the Note. Mortgage Insarance 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 pariy to the Mortgage Insia�ance. Mortgage insurers evaluate thQir total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or m�odify their risk, or re�uce losses. These agre�ment� are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreennents may req�tire the mortgage insurer to make paymenLs using any source of fuads that the mortgage insurer may have available (which may include fimds obtained from Mortgage Insi�rance premiums). 2200142286 D V6AG�NL+ NF�R'ASKA - Single Femily - Fannle Mae/Freddie Mac UNIFORM INSTRUMENT WITH MF7ZS �-6A(NEa (oe�ol pe¢e s or �e i � Fonn 3028 1/01