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201308870 knowledge or consent gave materially false, misleading, or inaccurate informa ion or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include. but are not limited to. representations concerning Borrower's occupancy of the Property as Borrower's principal nuidonocaud6uoaoothuPoopcn!. 8. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If(a) Borrower fails to perform the covenants and agreements contained in this Security Instrument or anv obligation that is secured by a lien that has priority over this Security Instrument, (b) there is a legal proceeding that might s ly affect Lender's interest in the Property and/or ri hts under this Security Instrument(such uoapr000cdiu8iobxokzoo� for of a lien which may attain priority over this Security |untrmncnt 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 limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paving reasonable attorneys' fees to protect its interest in the 9,nporty and/or rights ,under this Security Instrument. including its secured position in a bankruptcy proceeding. Securing the Property includes,but is not limited to,cnterin8�e to make ,oyuim,change�cka,mo|aoccv board upd000 and windows,dzu�w�nc�oo i ,eliminate building or other code violations or dangerous oonditioov, and have utilities turned on or off. Although Lender may take action under this Section 8, 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 8. Any amounts disbursed by Lender under this Section 8 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the rate applicable to the Debt Instrument from time to time, from the date of disbursement and shall be payable,with such interest_ upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold. Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 9, Mortgage Ummurmnue, K Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. [f, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Bonnvrorn/us required to make separately designated payments toward the premiums for Mortgage Insurance. Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in oRec{, at a cost 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 Mortgage Insurance coverage is not available. Borrower shall continue to pay to Lender the amount of the separately designated pa}mcn\s that were duo 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 uon- m[vudohlo_ notwithstanding the fact that the Loan is ultimately paid in full. and Lender shall not be required to pay Borrower any interest or earnings 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 shall pay the premiums rcqujreu to Hoon�ccbdh«|n //��t��' ©2013 GuardianDocs v,.g,^^(/3 1).1,gm/ NE Closed-End Junior Lien Security Instrunient(12/23/201U) HO/4829-1645-6456