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2oioos��i connection with the Loan. Material representations include, but are nat limited ta, representations concerning Borrower's occupancy of the Property as Borcower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrawer fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnatian or forfeiture, for enforcement of a lien which may attain priority over this Security InstrumenC 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 I.ender'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 actians can include, but are not limited to: (a) paying any sums secuxed by a lien which has priority aver this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured 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 frorn pipes, eliminate building or other code 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 or obligation to do so. It is agreed that L.ender 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 become additional debt of Borrower secured by this 5ecurity Instrument. These amounts shall bear interest at the Note rate 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 a11 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 wxiting. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a canditian of making the Loan, Borrower shall pay the prerniums required to maintain the Mortgage Insurance in effect. If, far any reason, the Mortgage Insurance coverage required by Lender ceases to be a�ailable fram the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payrnents toward the premiums for Mortgage Insurance, Borrower shall pay the premiurns required to obtain coverage substantially equivalent ta the Mortgage Insurance previnusly in effect, at a cost substantially equivalent to the cost to Borrower of the Martgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. Tf substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments 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 l,ender shall not be required to pay Borrower any interest or eaxnings on such loss reserve. I,ender can no longer require loss reserve payments if Mortgage Insurance coverage (in the �B�S� -- Siugle Family -- Fannie Mae/F1�eddie Mac IINIFORM IN5TRUMENT Form 3028 I/0 GCC- G3028-09 (09/Ol) (Page 9 of 19) Init(als�