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2Q1109�52 9. Protect�ton of Lender's Interest in the Properiy and Rights Under this Secnrity Instrument If (a) Borrower fails to perform the covenants and agreements contained in this Security Inst�vment, (b) there is a legal proce�3ing that might significanfly affect Lender's interest in the Properiy and/or rights under this S�urity Instrument (such as a procee�ing in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over tt►is Security Instruxnent or to enforce laws or regulations), or (c) Borrower has abandoned the Property, 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 protecking and/or assessing the value of the Property, and se�uring and/or repairing the Properiy. Lender' s actions can include, but aze not limited to: (a) paying any sums secured by a lien which has priority over this 5ecurity Instrument; (b) aPPearing in court; and (o) PaYing reasonable attorneys' fee,s to prote�t its interest in the Property and/or rights under this Se�urity Inst�vment, including its secured position in a bankruptcy proceeding. S�.vring the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace ar hoard up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, aad have utiliti� turned on or off. Although Lender may take action unde� this Section 9, Lender dces not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorize� under this Sect�on 9. Any �aounts disbursed by Lender imder this Section 9 shall become additional debt of BonoR+er se,c�ed by this Security In.atn,.�,e*!+ These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from I.ender to Bonower re�uesting payment. . If tlus Security Inshvment is on a leasehold, Borrower sha11 comply with all the provisions of the lease. If Borrower acquires fea title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insarance. If I,ender required Mortgage Insurance as a condition of maldng the Loan, Bonower shall pay the premiums required to maintain the Mortgage Ins�u�ance in eff'ect. I� for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was requirerl to make sepazatelY �� PaYm�� towazd the premiums for Mortgage Insurance, Borrower shall pay the premiums r�uired to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially �uivalent to the cost to Boaower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer sele�ted by Lender. If substantially e�uivalent Mortgage Insurance coverage is not available, Borrower sha11 continue to pay to Lender the amount of the se�arately designated payments that were due when the insuranc� coverage ceased to be in effect. Lender will acc�pt, use and retain these payments as a non refundable loss reserve in lieu of Mortgage Insurance. Such loss reserva shall be non-refimdable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any intere.st or earnings on such loss reserve. Lendar can no longer re�uire loss reserve payments if Mortgage Insurance coverage (in the amount and far the period that Lender requires) provided by an insurer sele�ted by Lender again bec:omes available, is obtained, and Lender requires sepazately designated payments towazd the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately d�ignated payments towazd the premiums for Mortgage Insurance, Borrower shall pay the premiums re�uired to maintain Mortgage Insurance in eff�t, or to provide a non refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in acxordance with any written agreement between Borrower and Lender providing for such termination or until termination is re�uire� by Applicable Law. Nothing in this Section 10 affects Borrower' s obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purcheses the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or re�uce losses. These agreements are on termg and conditions that aze satisfactory to the mortgage insurer and the other pariy (or pazties) to these agre,ements. These agreements may r�uire the mortgage insurer to make payments using any source of fimds that the mortgage insurer may have available (which may include fimds obtained from Mortgage Insurance premiums). 2200209563 D V6ANE NEHRASKA - Single Family - Fannle Mae/Freddle Mac UNIFORM INSTRUMEN7' WRI�}�IIJIERS �-6A(Nq roe�o1 Page 8 of 15 InfNels: �� Form 3028 1/01 �