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2� 1 ��315� information} in connectian with the Loan. Mater�al representa�ians include, but are not �imited to, representations concerning Borrower's occupancy�f the Proper�y as Borrawer's principal residence. 9.Protectian of Lender's Interest in the Property and R�ghts Under this Security Instrument.�f�a}Borrower fails to perform the cov�nants and agreements con�ained in this Security Ynstrumen�,�b}there is a legal proceed�ng that might significantly affect Lender's �ntere5t in the Praperty andlor rights under this 5ecurity Instrument �such as a proceeding�n barikruptcy,probate,far condemnation ar fvrfei�ure,for enfor�ement❑f a lien whi�h may attain priority o�er this Se�urity Instru.ment�r to enforce Ia�s or regulations�,or�c}BarrovWer has abandoned the Property,then Lender may do and pay for�uhate��r is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument,includin�protecting andl�r assessing the�alue vf�he Proper�y,and securing andJor repairing the Proper�y.Lender's actions can in�lude,but are n�t limited to:�a}paying any sums secured by a Iien v�hich has priority o�er th�s Security Instrument;(b�appearing in cour�;and�c�paying reasonable attorneys'fees to protect its interest iti the Property andlor rig�ts under this Security Ins�ument,inc�ud�ng it�secured posit�an in a bankruptcy proceeding.Securing th�Prop�rty include5,but is not liumit�d to,entering the Proper�y�o make repairs,change locks,replace or board up doars and windows, drain water from pip�s,eliminate building or o�her code vi�latinns�r danger�us conditions, and ha�� util�ti�s turn�d an or nff.Aithough Lender may take action under this Section 9,Lend�r does not ha�e t�do so and is nat under any duty or abliga�i�n to do so. It is agreed that Lender incurs no liability for not taking any vr aIl actions authorized und�r this Section 9. Any am�unts disbursed by Lender under this Section 9 shall become additional debt af Borrawer secured by this Security Instrument. These amounts shal� bear intere�t at the Note rate from the date of disbursement and shal� be payable,with such intere�t,upon n�tice fram Lender to Barrower requesting pa�ment. If�his Security Instrum�nt i�an a leasehald,Borro�ver shall camply with all the pra�isivns of th�lease.If Borravver acquires fee�itle��th�Pr�p�rty,the I�asehold and fh�fe�title shall not merge un�ess Lender agrees to the merger in writing. 1�,Mortgage Insurance.If Lender required Mortgage Insurance as a�ondi�ion�f making the Loan,Borrower shal� pay the premiums required t�ma�ntain the Mortgage Insurance�n effect. �f,for any reason,the M�rtgage Insurance co�erage required by Lender ceases to be a�a�lable from the mortgage irrsurer�ha�previously pro�ided such insurance and Barrower was required to mak� separately d�signated payments tovvard the pr�miums for M�rtgage Insurance, Barrower sha�l pay the premiurns required to o�tain co�erage suhstantially equiWalent �a the Mvrtgage Insurance pre�ivusly in effect,a�a cost su�stantially equi�alent to the cast t�Borro�er of the Mor�gag��nsurance pre�iously in �ff�ct,from an alternate mortgage insurer select�d hy Lender.If su�stan�ia�ly�qui�alen�Mortgage Insurance cav�rage is not available,Borr�wer sha�1 cnn��nue to pay to Lend�r the amount af the separately designated payments that were due when the insurance co�erage ceased to be in �ffect. Lender wi11 accept, use and reta�n thes� payments as a non- refunda�le�oss reserve in lieu vf Mortgage Insurance.Such loss reserve shall be nor�-refundable,n�twithstanding the fact that the Loan is ultirnately paid in full,and Lender shall not be required to pay Borrower any interest or earnings�n such lo�s reserve.Lender can no langer require�oss r�se�-rve payments if Mortgage In�uranc�coverage�in the amoun�and for the period that Lender requires}pro�ided by an insurer selected by Lender again becomes availab�e,is abtained, and Lend�r requires separa�ely designated payments toward the premiums for M�rtgage Insurance. If Lender required Mar�gage �nsurance as a condition of making the L�an and Borrower vvas required to make separately d�signated payments tavvard the premiums for Mnrtgage Insurance,Borrower sha11 pay the�remiums requ�red to main�ain Mortgage �nsurance�n effe�t,or tv provide a non-refundable loss reser�e,until Lender's requirement for Mor�gage�nsurance ends in accordance with any written agreem.ent between Borr�wer and Lender pro�iding for such termina�ion or until terminatian is required by Appiicabl�Law.N�thing in�his Sectian I�affects Borrower's ob�igatxon to pay interest at the rate provided in Ehe Nate. M�rtgage Insurance reimburses Lender�or any entity tha�purchases th�Note}f�r certain los5es it may incur if Borrower does not repay the Loan as agreed.Borrower is not a party to the Mort�age Insurance. M�rtgage Insurers e�aluate their tntal risk an ai1 such insurance in force from time to time, and may enter into agreements with other par��es that share or mndify �heir risk, or reduce l�sses. These agreetnents are an terms and �ondit�ons tha� are satisfactory to the mor�gage insurer ar�d the other par�y ��r parties� to these agreem�nts. These NEBRASKA-Single Famify-Fannie MaelFreddie Nlac L1NIF�RM INSTRUMENT with MERS Form 3D�8 1!0 Page 7�f 13 ios,inc.-3�2�� Borrower�s}�nitia�