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20104952i connection with the Loan. Material representations include, but are not limited to, representations concerning Boarrower's occupancy of the Property as Barrower's principal residence. 9. 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, (b) chere is a legal proceeding that might significantly affect Lender's intexest in the Property and/or rights ander this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enfoxce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay far whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Securiry Instrurnent, 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 ta: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fces to protect its interest in the Froperty and/or rights under this Security Instrument, including its secured pasition in a bankruptcy praceeding. 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. Althaugh Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do sa. Tt is agreed that I,ender incurs no liability for not taking an.y or a11 actions authorized under this Section 9. Any amaunts disbursed by Lender under this 5ection 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon natice from L,ender 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. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to rnaintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insuraz�ce coverage required by I.ender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to rnake 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 effect, at a cost substazrtially equivalent to the cost to Bonower 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 ta Lender the amount of the separately designated payments that were duc when the insurance caverage ceased to be in effect. Lender will accept, use and retain these payrnents as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notvaithstanding the fact that the I.oan 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 caverage (in the �B�� -- Sing�e Faruily -- Famie MaelF7�eddie Mac UNIPORM INSTRUMENT Farm 30Z8 1/Ol y� �� GCC- G3028-09 (09/Ol) (Page 9 of l9) Initials: ��