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201�0319G connection with the Loan. Material representations include, but are not limited to, representaflons concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest m the Property and Rights Under this S�urity Instrumeat. If (a) Bonower fails to perform the covenanfs 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 th9s 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 enforce laws or regulations), or (c) Bonower 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, includ9ng 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 priorlty over this Security Instrument; (b) appearing in court; and (c) payuig reasonable attomeys' fees to protect its interest in the Property and/or rlghts under this Security Instrument, including its secured posiflon 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 from pipes, eliminate building or other code violations or dangerous conditions, and have utilifles 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 Lender incurs no liability for not taking any or all actions auWorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become addiflonal debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disburseraent and shall be payable, with such interest, upon notice &om 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 fltle to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mort�age Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Bonower was 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 effect, at a cost substanflally 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, Bonower 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 Ioss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Bonower any interest or earnings on such loss reserve. Lender can no longer sequ9re loss reserve payments if Mortgage Insurance coverage (in the I1EBR�l$1{A — Stngle Famity -- Fenoia MealFraddia Mea UAIIFOhM INBTRUM6NT Farm 302H UO � A GCC- G302&09 (09/Ol) (Page 9 of19) Initials: e0�