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2� 1 ��2832 representations include,but axe not limited to,representati�ns concerning Borrower`s�ccupancy of the Property as Borrower's prin�ipal residence. 9. Protection �f Lender's Interest �n the Pr�perty and Rights Und�r this S��ur�ty Instrument. If(a)Borrawer fa�ls to perfarm the co�enants and agre�ments contained in this Se�urity Instrument,�b}there is a legal proceeding that might significantly a�ect Lender's interest in the Property andlor rights under this Security Instrum�nt�such as a proceeding�n bankruptcy,probate, far condemnation or farfeiture,for enforcement�f a lien which may attain priority aver this Security Instrum�nt or t�enf�rce laws or regulat�ans�, or(c}Borrower has abandoned the Property,then Lender may da and pay for�vhatever is reasonable or apprapriate to protect Lender's interest in the Property and rights under this Security Instrument, inc�uding prot�cting andlor assess�ng the�alue of the Property,and securing andlor repairing the Froperty. Lender's actions can include,but are not limited to: (a}paying any sums secured by a�ien which has priority�ver this Security Instrument;(b� appearing in caurt; and(c)paying reasonable attorneys'fees to prQtect its int�re�t in the Property andl or rights under this Security Instrument, including�ts secured position in a bankruptcy pra�eeding. Securing the Property includes, but is not limited to,er�tering the Pr�perty t�make repairs, change �acks,replace or board up d�ors and vvindaws,drain water from pipes, e�iminat�building or other code�i�lations or dangerous conditi�ns, and have utilities turned on or off.A�though Lender may ta.ke actian under this Secti�n 9,Lender does not have to da so and is n�t under any duty or ob�igation to do so. It is agreed that Lender incurs no liahility f�r nvt ta.king any or all actions authorized under this Sectian 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrovver secured by this Security Instrument. Th�se amounts shall bear int�rest at the Note rate fram the date of disbursement and sha�l�e payable,with such interest,upon notice fram Lender to Borrower requesting payment. If this Security Instrument is on a leasehald,Borrower sha�l comp�y w�th alI the pra�isions af the lease. If Borrower acquires fee title to the Praper�y,the leasehold and the fee tit�e shali nat merge unless Lender agrees to the merger in writing. '��. Mortgage Insurance. If Lender re�uired Mortgag�Insurance as a cond�tian of making the Loan, Barrawer shall pay the premiums require�to maintain the Mortgage Insurance�n effect.If, for any reason,the Mor�gage Insurance coverage required by Lender ceases to�e a�ailable from the mortgage insurer that previously pravided such insurance and Borrower was required to make separate�y designated payments toward the prem�ums for Martgage Insurance,Barrower shal�pay the premiums required to obta.in caverage su�stantia�ly equi�alent to the Mortgage Insurance pre��ous�y in ef�ect,at a cost substantia�ly equi�alent to the cost to Borrower nf the Mortgage Insurance previ�usly in eff�ct, firom an alternate mortga�e insurer selected by Lender.If substantially equivalent Martgage Insurance ca�erage is not a�ailable,Borrower shal�cantinue ta pay to Lender the amaunt of the separately designated paym�nts that were due vvhen the insurance co�erage ceased to he in effect. Lender will accept, use and retain these payments as a non-refundable �oss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable,notwithsta.nding the fact that the Loan is ultimat�ly paid in ful�,and Lender sha1�not be re�uir�d to pay Borrower any int�rest or earnings on such loss reser�e. Lender can no�onger require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires}pro�ided by an�nsurer s�lected hy Lender again becomes ava�lahle, is�hta�ned, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender requ�red Mortgage Insurance as a conditian of making the Loan and Borr�wer was re�uired to make separately designated payments toward the premiums �3Q04�1232 NEBRASKA-Single Family-Far�nie MaelFreddie Mac L1N�F�RM INSTRIJMENT Form 3�ZB 1 f�'1 VMP�] ❑812�9 5 Wa�ters Kiuwer Financial Services 2n1fi�4211fi.1.�.3454-N2�151�19N Page 8 of 15