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2� 1 ��8�38 re�resenta.tions inc�ude,but are not limited ta,representations concerning B�rrawer's occupancy of the Property as B�rrower's princ�pa�r�sidence. 9. Protsction of Lender`s Interest in the Prop�rty and Rights Und�r this Security Instrum�nt. If�a}Borrower fails to p�rform the co�enants and agr�ements contained in this Security Instrument, (b}there is a legal proceed�ng that might signifcant�y affect Lender's interest in the Property andlor rights under th�s�ecurity Instrument(such as a proceedi�g�n bankruptcy,pr�bate, for condemnation or forfeitur�,for enforcement of a lien which may atta�n priority over this Secur�ty Instrument or to enforc�laws or regulations},or(c}Borrower has aband�ned the Property,th�n Lender may do and pay f�r whatever�s reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument,including protecting andlar assessin�the�aiue of the Praperty,and securing andlar repairing the Property. Lender's actians can include,but axe not limited to: �a�pay�ng ax�y sums secured by a lien wh�ch has prior�ty ov�r this Security Instrument;�b� appearing in c�urt; ar�d(c�paying reasonabl�aitorneys'fees to protect its inter�st in the Praperty andl or rights under this Security Instrument, including its secured�os�tion in a bankruptcy proceeding. Securing the Proper�y includes,but is nvt limited to,e�ter�ng�the Property t�make repairs,change locks,rep�ace or baard up doors and wind�ws,drain water from pipes,e�iminate building or oth�r code violations vr da.nger�us canditians,and have uti�ities turned on ar of�,Although Lender may ta.ke acti�n under this Section 9,Lender does not ha�e to do s�and is nat�nder any duty or ob��gation to do so.It is agreed that Lender incurs na liability for not taking any or all actians auth�rized und�r th�s S�ct�on 9. Any amounts d�sbursed by Lender und�r this Section 9 sha��become additiona�debt of Borr�wer secured by th�s Security Instrument. These a.mounts sha111�ear interest at the Nate rate from the date of disbursement and shall be payable,with such interest,upon natice from Lender to Barr�wer request�ng payment. If this Security Instrument is on a leasehold,Borrawer shali��mpiy with a�l the pra��sions of the �ease.If Barrower acquires fee title to the Property,the leasehold and the fee title shall not merge unless Lender agrees to th�merger in writing. 1�. Mo rtgage !ns u ra n ce. If Lender requued M�rtgage Insurance as a condit�on�f making t,�ie Loan,Borr�vver shall pay the premiums requir�d t�maintain the Mortgage Insuran�e in efFect.If, � f�r any reason,the M�rtgage Insurance c�verage required by L�nder ceases t�be a�ailable fr�m the mortgag�insurer that pre�ious�y provided such insurance and Borrawer was required t�make s�parately designated payments taward the prem�ums for Mortgage Insurance,Borrower shall pay the premiums required to obta.in co�erage substa.ntial�y equi�a�ent t�the Mort�age Insurance previously in effect,at a c�st�ubstantia�ly equi�alent ta the Cost to Borrower of the M�rtgage Insurance pr�vious�y in ef�ect,from an aiternate mortgage insurer se�ected by Lender.If substantially equivalent Mor�gage Insurance co�erage is not available,Borrawer shall continu�to pay to Lend�r the amount of the separately designated payments that were due vvhen the insurance co�erage ceased to be�n effect. Lender will accept,use and reta.in these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such��ss reser�e shall be non-refundab�e,notwithstar�ding the fact tha�the Loan is u�timate�y paid in fuli,and Lender sha�l not be required to pay B�rr�vver any interest�r earnings on such loss reser�e.Lender can no i�nger require loss r�s�r�e payments if Mortgage Insurance covera.ge [�n th�amount and f�r the period that Lender requires}pro�ided by an insurer se�ected by Lender again becames available, is obta.�ned,and Lender requires separately designated payments toward the premiums far Mortgage Insurance.If Lender required Mor�gage Insurance as a cond�tion of making the Loan and Borrower was r�quired t�make separately des�gr�ated payments toward the premiums 23Q04235a2 NEf3RASKA Single Family-Fannie MaelFreddie Ma�UNIFflRM INSTR�MENT Fvrm 3[3281I�1 ►nin� �zots 1Nb�#ers Kluwer Financial Services 2�1fi11081fi.2.0.38"14N2�'�5�720Y Page 8 of 18