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�@��0714� 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrumenk If (a) Bo ower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a le al proceeding that might significantly affect Lender's interest in the Property and/or rights under this Se urity Instrument (such as a proceeding in banlc�uptcy, probate, for condemnation or forfeiture, for enforc ent of a lien which may attain priority over this Security Instrument or to enforce laws or regul ons), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reason le or appropriate to protect Lender's interest in the Property and rights under this Security � ent, including protecting and/or assessing the value of the Property, and securing and/or repairing the Pr perty. 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 attorne s' fees to protect its interest in the Property and/or rights under tlus Security Instrument, including its sec ed position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, enterin the Property to make repairs, change locks, replace or board up doors and windows, drain water from p'pes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or ff. Although Lender may take action under this Section 9, Lender does not have to do so and is not under y duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actio authorized under this Section 9. y amounts disbursed by Lender under this Section 9 shall become additional debt of Bonower secur by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbur ement and sha11 be payable, with such interest, upon notice from Lender to Bonower requesting r �...., �. I this Security Instrument is on a leasehold, Bonower sha11 comply with all the provisions of the lease. f Bonower acquires fee title to the Property, the leasehold and the fee title sha11 not merge unless Lende a�rees to the merger in writing. 1. 1Vlortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Bono er sha11 pay the premiums required to maintain the Mortgage Insurance in effect. I� for any reason, the M rtgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previo ly provided such insurance and Borrower was required to make separately designated payments towar the premiums for Mortgage Insurance, Bonower sha11 pay the premiums required to obtain cover e substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equiv ent to the cost to Bonower of the Mortgage Insurance previously in effect, from an alternate mortg e insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not avail le, Borrower shall continue to pay to Lender the amount of the sepazately designated payments thai were ue when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payme ts as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-r dable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be requir d to pay Bonower any interest or earnings on such loss reserve. Lender can no longer require loss reserv payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provi ed by an insurer selected by Lender again becomes available, is obtained, and Lender requires separ ely designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insur ce as a condition of making the Loan and Bortower was required to make separately designated paymants toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to main ' Mortgage Insurance in effect, or to provide a non-refizndable loss reserve, until Lender' s requir ent for Mortgage Insurance ends in accordance with any written agreement between Bonower and Lend providing for such termination or until termination is required by Applicable Law. Nothing in this Sectio 10 affects Bonower' s obligarion to pay interest at the rate provided in the Note. ortgage Insurance reimburses Lender (or any entity that ptu'chases the Note) for certain losses it may ' cur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage �� ortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter to agreements with other parties that share or modify their risk, or reduce losses. These agreements aze o terms and conditions that aze satisfactory to the mortgage inswer and the other pariy (or parties) to these eements. These agreements ma.y require the mortgage insurer to make payments using any source of ds that the mortgage insurer may have available (which ma.y include funds obtained from Mortgage Insurance premiums). 2200158219 D V6ANE NEB SKA - Single Family - Fannle Mae/Freddie Mac UNIFORM INSTRUMENT WITH M RS � - A(NE) (oe�o) Pege B of 16 Inkials: � Form 3028 1/01 � �7-�