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2oiioo2s4 connection with the Loan. Material representations include, but are not limited to, representations concerning 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) Borrnwer 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/ar rights under this Securiry Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enfarcement of a lien which may attain priariry over this Securicy Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lendex 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 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) paying reasonable attorneys' fees to protect its interest in the Fropsrty 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 L,Qnder �nay take action under this Section 9, Lender daes not have to do so and is not under any duty ar obligation ta do so. It is agreed that Lender incurs no liability for nat taking any or all actions authorized under this Section 9. Any amaunts disbursed by I.,ender 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 af disbursernent and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Bonower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehald and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Martgage Insurance as a condition of making the Loan, 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 frarn the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to abtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Bnrrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Martgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payrnents 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 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 N�' $�.�►SI{,�, -- Single Family -- Fannle Mae/F�addie Mac l7NIFORM INSTRUMENT Form 3028 11 �, � GCC- G3028-09 (09/Ol) (Page 9 of 19) Iaitials: