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�0110�� connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Bonower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this S�urity Instrument. If (a) Bonower 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 condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security 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 5ecurity Instrument, including protecting and/or assessing the value of the Properiy, and securing and/or repairing the Property. Lender's actions can include, but are not Iimited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attomeys' fees to protect its interest in the Properly 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 boazd up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, L,ender 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 authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts sha11 bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Bonower 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 sha11 not merge unless I.ender agrees to the merger in writing. 10. Mortgage Insurance. If I,ender required Mortgage Insurance as a condition of making the Loan, Borrower sha11 pay the premiums required to maintain the Mortgage Insurance in effect. Tf, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Bonower sha11 pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalettt to the cost to Bonower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substatttially equivalent Mortgage Insurance coverage is not available, Borrower sha11 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 lien of Mortgage Insurance. Such loss reserve sha11 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 require loss reserve payments if Mortgage Insurance coverage (in the �B�S� — Single Fami[y — Fennie hiae/�}eddie Mac UIVIFORM INS°1'RUMENT Form 3028 I101 GCC- G3028-09 (09/Ol) (Page 9 of 19) Initials: