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201100�02 connection with the Loan. Material representations include, but are not liznited to, representations concerca.ing Borrower's occupancy of the Property as Borrower'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 Instrutnent, (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 Securiry Instrument 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 Tnstrument, including pratecting 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 surns secured by a lien which has priority over this Security Instrument; (b) appsaring in court; and (c) paying reasanable attorneys' fees to protect its interest in the Prop�rty 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 baard up doors and windows, drain water from pipes, elirninate building or other code violations or dangerous conditions, and have utilities turned on or off. Although 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 so. It is agreed that I.,ender incurs no liability for not taking any or all actions authorized under this Section 9. Any arnounts disbursed by Lender under this Section 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 notice frorn Lender to Barrower 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 I.ender agrees to the rnerger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the L.oan, Borrower shall pay the premiums required ta maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the rnortgage 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 premiums required to obtain coverage substantially equivalent to the Mortgage Insurat�ce previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previausly in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance covet'age 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. I.ender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Tnsurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the I,oan is ultirnately paid in full, and I,ender shall not be required to pay Borrower any interest or eamings on such loss reserve. I.,ender can no longer require loss reserve payments if Mortgage Insurance coverage (in the �B�iSI{�i -- Single Family — Fannie Maellheddie Mac UNIFORM INSTRUMENT Form 70Z8 f01 �(� GCC- G3028-09 (09/Ol) (Page 9 of 19) Initia .