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20120115� 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument If (a) Borrower fails to perform the covenants and agreements containefl in this �curity Instrument, (b) there is a legal procee�ing that aught significantly affe�t Lender's interest in the Properiy and/or rights uader. this Se�curity Instrument (such as a proce�ing in bankruptcy, probate, for condeimiation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c} Borrower has abandoned the Properly, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Se�urity Instrument, including protecting and/ar assessing the value of the Properiy, and securing and/or repairing the Properiy. Lender' s actions can include, but are not limit� to: (a) paying any sums secured by a lien which has priority over this Se�rity Instrument; (b) appearing in court; and (c) paying reasonable attorneys' f� to prote�t its interest in the Property and/or rights under this S�urity Instrument, including its secur� position in a banlauptcy procceding. Securing the Property includes, but is not limite�i to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous condirions, and have utilities turned on or ofF. Although Lender may take action uncier this S�tion 9, Lender does not have to do so �d 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 authorized under this Se�tion 9. Any amounts disbursed by Lender under this Section 9 shall b�ome additional debt of Barrower se�ur� by this Security Instrument. These �nounts shall be�u interest at the Note rate from the date of disbursement and shall be payable, with such interest, ugon notice from Lender to Borrower r�uesting payment. If this S�urity Instrument is on a leasehold, Bonower shall comply with a11 the provisions of the lease. If Bonower ac�uires fee title to the Property, the leasehold and the f� ritle shall not merge unless Lender agr�s to the merger in writing. 10. Mortgage Insorance. If I.ender re�uirefl Mortgage Insurance as a cflndition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in eff�t. If, for any reason, the Mortgage Insurance coverage r�uired by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Bonower was re�uired to make separately designated pa.yments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Morfgage Insurance previously in eff�t, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in eff�t, frorn an alternate mortgage insurer sele�te� by Lender. If substantially e�uivalent Mortgage Insurance coverage is not available, Borrower shall cmntinue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceaserl to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. .Such loss reserve shall be non-refimdable, notwithstanding the fact that the Loan is ulrirnately paid in fu11, and Lender shall not be requir� to pay Borrower �y interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender ret�uires} provided by an insurer selecte�i by Lender again b�mes available, is obtained, and Lender r�uires separately designated payments towazd the premiums far Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designat�i payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums re�uired to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agr�ment betw�n Borrower and Lender providing for such teTmination or until tennination is re�uirerl by Applicable Law. Nothing in tlus Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender {or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agr�d. 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 agr�ments with other parties that share or modify their risk, or reduce losses. These agree�nents are on terms and conditions that are satisfactory to the mortgage insurer and the other pariy (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have aeailable (which may include fimds obtaine� from Mortgage Insurance premiums). 230Q0705T5 D V6ANE NFBRASKA - Single Family - Fannle Ma�/Freddle Mac UNIFORAA INSTRUMENT WITH �,VI �-gA�N� (0810) Pape 8 of 16 Initiels: � � Form 3028 7/01 OO