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200701002 Instrument. If (a) 130lTower fails to perform the covenants and agrccmcnts containcd in this Security Inslmmcnt, (h) thcrc ]S a Icgal procccding that might sigml'icantly al'l'ecl Lender's interest in the Property and/or rights under thIs Security Instrument (such as a proceeding in bankmptcy, probate, for condemnation or forfeiture, lill' enlill'l;ement of a lien which may attuin priority ovcr this Security Instrument or to enforcc laws or regulations), or (c) Borrowcr has ahandoned the Properly, then Lender may do and pay for whatever]s reasonable or appropnate to protect Lender's interest in the Property and rights under this Sccurity Instrument, lllcluding protccting and/or assessing the value of the Property, and securmg and/or repainng the Property Lender's actions can include, but are not limited to: (n) paying any sums secured by a lien which has priority ovcr this Sccurity Instrument; (h) appeanng in court and (c) paying reasonable attorneys' fees to protect its mlerest in the Property and/or rights under this Security Instrument, including its secured position in a banlauptcy proceeding. Securing the Property includes, but is not limited to, entenng thc Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminatt: building or other code violations or dangerous conditions, and have utilitres turncd on or ofr. Although Lender may take action under this Section '), Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender meurs no hability for not taking any or all actions authorized under this Section <) Any amounts disbursed by Lender under this Section 9 shall heeome additional debt of BOlTower securcd by this Security Instrument These amounts shall bear interest at thc Notc ratc from the date of disburscment and shall be payahle, with such intt:rest, upon notice from Lender to Borrowcr requesting payment If this Security Instrumcnt 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 [,ender agrees to the merger in writing. 10. Mortgage Insurance. I 1'1 ,ender required Mortgage Insurance as a condition of making the Loan, BOlTower shall pay the premiums required to maintain the Mortgage Insllranee in cflecl. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to he available from the mortgage insurer that previously provided slleh insurance and Ilorrower was required to make separately designated payments toward the premiums for Mortgage Insurance, I30lTowcr shall pay the premiums required to ohtmn coverage substantially equivalent to the Mortgnge Insurance previously in etIect, at n cost substantially equivalent to the cost to Borrower of the Mortgage Insurancc previously in effect, from an n!ternate mortgage insurer selected by Lender. If substantiallv equivalent Mortgage Insurance coverage is not available, 130lTowcr shall continue to pay to I,ender the amolmt of thc separately designated payments that were due when the insurance coverage ceased to be in effect. I,ender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance, Such loss reserve shall be non-refundable, notwithstanding the t~1.ct that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss rest:rve, Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amOlmt and fill' the period that Lender requires) provided hy an insurer selected by Lendcr again becomes available, is obtained, and Lender requires separately designated 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 separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums reqLl1red to maintain Mortgage Insurance in crIed, or to provide a non-refundahle loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement hetween Borrower and Lender providing for sueh ternlination or until termination is required by Applicable Law, Nothing in this Section 10 affects BOlTower's obligation to pay interest at thc ratc provided in the Note, Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses N~:BRASKA " Single Family - Fannie VIae/Freddie \fae L"'ll<'ORM INSTRUMENT WITH MERS Fo'"m30211 1/01 VMP-6A(NE) (0407).01 PageR of 16 iP /J. /"<1:2. tnitial,~_.fI.4.J