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20100809 connection with the Laan. Material representations include, but are not limited to, representations concerning Borrower's QCCU�BnCy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Und�r this Security Instrument. If (a) Borrower fails to perform the covenants and agreernents contained in this Secarity Instrument, (b) there is a legal proceeding that rnight signiflcantly 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 enfarcernent of a lien which may attain priority over this Security Instrument or to enfarce laws or regulations) , or (c) Bonower has abandoned the 1'roperty, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairIng the Property. Lender's actions can include, but are not limited to: (a) paying any surns secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not lirnited to, entering the Property to make repairs, change locks, replace or board up daors and windows, drain water from pipes, eliminate building ar other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not ander any duty ar obligation to do so. It is agreed that Lender incurs no liability for not taking any nr all actions authorized under this Sectian 9. Any amounts disbursed by Lender under this Section 9 shall become additianal debt af Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursernent and shall be payable, with such interest, upon natice frorn Lender to Borrower requesting payrnent. 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 shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of rnaking the Loan, Borrower shall pay the prerniurns required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and B�rrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cnst to Bonower of the Mortgage Insurance previously in effect, from an alternate martgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Bonower shall continue ta pay to Lender the arnount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable lass reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, natwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require lpss reserve payments if Mortgage Insurance coverage (in khe � NEBRASKA — Suigle Pamuy -- Fu�nie I�amredd�e �c Utu[+onM uvs'rnv�arr aarm aoza t/a GCC- (33028-09 (09/Ol) (Page 9 of19) Initials: