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2� 1 ��2937 representations include,but are nat limited to,representations conc�rning Borrower's occupancy of the Property as B�rrower's principal resid�nce. 9, Prot�ction of Lender's Interest in the Property and Rights Under this 5ecurity instrument. If(a}B�rrower fails to perform th�co�enants and agreements cantained in th�s Security Instrument,tb}there is a�egal proceeding that might significantly afFect Lender's interest in the Property andlor rights under this Security Instrument�such as a proceed�ng in bankruptcy,pra�ate, for condemnation or forfeiture,for enforcement of a lien which may attain priority o�er this Security Instrument or to enforc�laws or regulations), or(c}Borrawer has aba.ndaned the Property,then Lender may da and pay for whate�er is reasona�le ar appropriate to protect Lend�r's interest in the Property and rights under this Security Instrument, including prote�ting andlor assessing the�alue af the Property,and securing andlor repairing the Property. L�nder's actions can include,but are not limited to: �a}paying any sums secured by a�ien which has priarity aver this Security Instrument; (b} appearing in court;and(c�paying reasonab�e attorneys'fees to protect its interest in the Property andl or rights under this Secur�ty Instrument, including its se�ured positlon 1n a bankruptcy proceed�ng. Securing the Property includes,hut is not Iimited to, entering the Property to make repairs,change locks,replace or boa.rd up d�ors and windows,drain water from pipes,eliminate bu�lding or other cade violations�r dangerous conditions,and ha�e util�ties turned on or oi�.Alth�ugh Lender may take action under th�s Section 9,Lender does not ha�e to do so and is not under any duty or obligation t� do so.It is agreed that Lender incurs no liability for not taking any or all acti�ns authorized under this Sectian 9. Any amounts disbursed by Lender under this Sectian 9 shal�become additi�na�debt of Borrovver secured�hy this Security Instrument. These amounts shall bear interest at the Nate rate from the date af disbursement and shall be payable,with such interest,up�n notice from Lender to B�rrower requesting payment. If this Security Instrument is on a leasehold,Borrower shall camply with alI the pro�isians of the Iease. If Borrower acquires fee title to the Property,the leasehold and the fee title shall not merge unless Lender agrees to the merg�r in writing. ��. IVlortgage Insurance. If Lender required Martgage Insurance as a condition of mal�ing the Lvan,B�rrower shal�pay the premiums requ�red to maintain the M�r�gage Insura.nce in effect. If, for any reason,the Mortgage Insurance coverage requ�red by Lender ceases ta be available fram the mortgage insurer that previously pro�ided such insura.nce and Borrawer was required to make separate�y designated payments tavvard the prem�ums for Martgage Insuranc�,Borrovver shall pay the prem}ums required ta obta.in co��rage substa.ntially equivalent to the Mor�gage Insu.rance previously in efFect, at a cost substantially equi�alent to the cost t�Borrower of the Mortgage Insurance pre�iously in effect, from ax�alternate mortgage insurer selected by Lender. If substantially equi�al�nt Mortgage Insurance co�erage is not availab�e,Borrower sha�1 continue to pay ta Lender the amount af the separately designated payments that were due vvhen th� insurance co�erage ceased to be in effect. Lender vvi11 accept,use and reta�n these payments as a non-r�fundable loss reser�e in lieu nf Mortgage Insurance. Such�oss reserve sha11 be non-refundab�e,notw�thsta.nding the fact that the Loan is ultimat��y paid in full,and Lender shall not be required to pay Borrawer any interest or earnings on such loss reserve. Lender can no long�r require loss reserve payments if Mortgage Insurance ca�erag� (in the amount and f�r the periad that Lender requires}pra�ided by an insurer sel�cted by Lender aga�n becomes a�ailable, is obtained,and Lender requires separately designate�payment�toward the premiums for M�rtgage Insurance.If Lender required Mortgage Insurance as a condition of making the Loan and Borrovver was required ta make separately designated payments tovvard the premiums 22�5959fi2 NEBRASKA-Singie Family-Fannie MaelFreddie Mac UNIFaRM INSTRUMENT Form 3028 1101 VM P� OS12015 W�oiters Kiuwer Financial 5ervices 2D1fi031115.3.0.340fi-N�D151019N Page S of 1fi