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20��Q��S 9. Protection of Lender's Inter�t in the Property and Rights �Jnder this Secnrity Instrament If (a) Borrower fails to perfoam the cov�nants and agreements contsined in Y.his Security Instru�nent, (b) there is a legal proca�ing that might siguficantly affec:t Lender's interest in the Prop�l}+ and/or rights under this Security Insttiunent (such as � proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien wluch �a.y ateain priority over this Security Inst�ment ar to enforce laws or regulations), or (c) Borrower ha� abaadoned the Property, then Lender may do and pay for whatever is reasonable or appropriata to proYect I,ender's interest in the Property and rights under this Security Instcvment, including protecting and/or assessing tha value of the Propeity, and se�uring and/or repairing the Properly. Lender's act�ons c�x include, but ara not limited to: (a) Paying any sums se,cur� by a lien wluch has prioaity over this SacuritY �� ro) aPP�'►g in court; and (c) Paying reasonable altorneys' fees to prote�t its interest in the Property and/or rights under this Sacurity Inslrument, including its secured gosition in a banlcruptcy proceeding. Securing the Propexty includes, but is not limited to, entering the Property to xnake repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminata building or other code violations or dangerous conditions, and hava utilities turned on or off. Although Leader may take action under this Se�tion 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 no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall ber,ome additional debt of Boirow� secured by this Security Instrument. These amounts ahall bear interest at tha Note rate from the data of disb�u�sem,ent and sl�all be payable, with such interest, upon notica from Lender to Boaowet r�ng PaYm i�f ��hi� ��y Tna�*�_e�+ is on a leasehold, Borrower shall comply with all the provisions of the lease. If Boirower acquires fea title to the Property, the leasehold and the fee titla shall not merga unl� I.ender agr�s to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Bonower shall pay the premiums requirred to maintain the Mortgage Insurance in effe�t. I� far any reaso4 the Mortgage insurancx coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Bonow�r was re�uired to make sePazatelY de�gnated FaYme� toward the premiums for Mortgage Insurance, Boaower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgaga Insurance previously in effect, at a cost substantially equivalent to the cost to Boirower of the Mortgage Insurance previously in effect, from an altetnata mortgage insurer selected by Lender. If substantially equivalent Mortgaga Insuranca coverage is not available, Bonower shall cantinue to pay to Lender the amou� of the separately designated payments �at were due when the insurance coverage c�ased to ba in effe�t. Lender will accept, use and retain the.ge payments as a non refundable loss reserva in lieu of Mortgage �nsurance. Such loss reserva sl�all be non refundable, notwitbstanding tha fact tl�at the Loan is ultimately paid in full, and Lend� shall not be required to pay Boaower any interest or earnings on such loss reserve. Lender can no longer require loss reserve paymen� if Mortgage Insurance coverage (in the amoimt and for the period that Lender requires) provide,ci by an insurer selected by Lender again becomes available, is obtained, and Leader requires sepazately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of maldng tha Loan and Bonower was required to make separately designated payments toward the premiums for Mortgage Insurance, Boaower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provida a non refundable loss reserve, until Lender's requirement for Mortgage Insurance mds in accordance with any written agreement between Borrower and Lender providing for such terffiination or until termination is re�uired by Applicable Law. Nothing in tUis Section 10 affe�ts 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 pafiy to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insuranca in force from tima to time, and may enter into agrcements with other pazties that share or modify their risk, or reduca losses. These agrcements aze on terms and conditions that are satisfactory to the murtgaga insurer and the other party (or parti�) to these agreements. These agreements may reqwire the mortgage insurer to make payments using any source of fimds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). 2200198794 PIESRASKA - Stngle Family - Fannle hYlaelFr�eddle Mac UNIFORM INSTRUMENT WITH MERS �$A�h1E� (0810) PaBe 8 of 16 �nW¢Is: �� •�• � ��•�.. D V6ANE Form 3028 7/01