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201209793 over this Security Instrument orto enforce laws orregulations),or(c)Borrowerhas abandoned the Proper[y,then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Properiy and rights under this Security 7nshutnent,including protecting and/or assessing the value of the Property,and securing and/or repairing the Properiy.Lender's acfions can include,but aze not limited to:(a)paying any sums secured by a lien which has priority over this Security Instrument;(b)appearing in court;and(c)paying reasonable attomeys'fees to protect its interes[in the Property and/orrights underthis Security Instrument,ineluding its seeured position in abantauptcy proceeding.Securing the Property includes,but is not limited to,enfering the Property to make repairs,change locks,replace or board up doors and windows,drain water from pipes,eliminate 6uilding or other code violations or dangerous condirions,and have utilities turned on or off.Although Lender may take action under this Section 9,Lender does not Uave to do so and is not under any duty or oUligation fo do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbm�sed by Lender under this Secfion 9 shall become addirional debt of Borrower secured by this Security Instrumenf. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable,with such interest,upon notice from Lender to Borrower requesring payment. Ifthis Security Instrument is on a leasehold,Borrower sUall canpty with all the provisions ofthe lease.IfBonower acquires fee riUe to ttie Property,the leasehold and the fee title shall not merge unless Lender agrees to the mer�er in writing. 10.Mortgage Iosurance.IfLeuder required Mortgage Insurance as a condition ofmaking the Loan,Borrower shall pay the premiums 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 Borrower was required to make separately designated paymenfs toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substanrially equivalent to the Mort�a�e lnsurance praviously in effect,at a cost substantially equivalent to the cost to Borrower of the Mortgaae Insurance previously in effect;from an altemate mortgage insurer selected by Lender.Ifsubstanrially equivalentMortgageInsurance coverage is not available,Borrower shall continue to pay to Lender the amount ofthe sepazately designated payments thatwere duc when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non- refundable loss reserve in lieu ofMortgage Insurance.Such]oss reserve shall be non-refundable,notwithstanding the fact that the I.oan is ultimately paid in full,and Lender shall not be requ'ued to pay Bonower any interest or earnings on such loss reserve.Lender can no lon�er require loss reserve payments ifMortgage Insurance coverage(in the amount and for the period Yhat Lender requires)provided by an insurer selected by Lender a�ain becomes availa6le,is obtained,and Lender raquires separately desi�nated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make sepazately desi�ated payments towazd the premiums for Mortgage Insurance,Borrower shall pay the premiums required to maintain?vlortgage Insurance in effect,orto provide anon-refundable loss reserve,until Lender's requirement forMortgage Insurance ends in accordance with any written agreement hetween Borrower and Lender providing for such termination or until termination is required by Applicable Law.Nothing in tlus Section 10 affects Borrower's o6ligation to pay interest at the rate provided in the Note. Mortgage I�surance rei�nburses Lender(or auy entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed.Borrower is not a party to the MoRgage Insurance. Mortgage Insurers evaluate their total risk on atl such insurance in force from time to tnne, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These a�reements are on terms and conditions that are sarisfactory to the mortgage insw�er 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 available(which may include funds obtained from Mortgage Insurance premiums). As a resutt of these a�reements,Lender,any purchaser ofthe note,another insurer,any reinsurer,any other enrity,or affiliate of any of the foregoing,may receive(directly or ind"uectly)amounts that derive from(or might bc characterized as) a portion of Boaower's payments for Mortgage Insurance, in exchan�e for sharing or modifying the mortgage insurer's risk,or reducin�losses.If such agreement provided that an�liate ofLenderfakes a share ofthe insurer's risk in exchange for a shaze of the premiums paid to the insurer, the arran�ement is often termed"captive reinsurance." Further: NEBRASKA-Singie Family-Fannie MaelFreddie Mac UNIFORM INSTRLIMENT with MERSForm 3028 1/01 Page 7 of 13 ios,inc. Borrower(s)Initials