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~oo9osa3~ 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 contained in this Security Instnment, (b) there is a legal proceeding Thai might significantly affect Lender's interest in the Property and/or rights under this Security Irrsirument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforeemerrt of a lien which may attain priority over this Security Listrument or in enforce laws or regulations), or (c) Borrower has abandoned the Property, then Fender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property aril rights under this Security Instrument, including protecting and/or assessing the value of the Property, arrtl securing and/or repairing the Property. i.ender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security hlstroment; (b) appearir>K in wort; and (c) paying reasorwble attorneys' fees to protect its interest in the Properly and/or rights under this Security imtnunent, including its secured position in a bankroptcy proceeding. Securing the Property includes, but is not limited io, entering tlu: Property to nurkee repairs, change locks, replace or board up doors aril windows, dnrin water from pipes, eliminate building or 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 under any duly or obligation to do so. Ii is agreed that Lender irrcrus rq liability for not taking any or all actions authorized under this Section 9. Arry amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security L-ctrwnent. These amounts shall bear irerest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting paY~nt- . If tlrrs Security Instnurrent is on a leasehold, Borrower shall comply with all the provisions of the lease. if Borrower acquires fee title to the Property, the leasehold acrd the fee title shall rot merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of malting the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. if, for any reason, the Mortgage Ilrsurarrce coverage required by Lender ceases to be available from the mortgage imnrer that previously provided such insurance and Borrower was required to make separately designated paymens toward the premiums for Mortgage Insurance, Borrower shall pay the prenriunn required to obtain coverage substantially equivalent to the Mortgage Imrmrrrcc previously in effect, at a wst substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alten~aie mortgage insurer selected by Lender. If subs~rrtially equivalent Mortgage Lrsurarrce coverage is not available, Borrower shall continue io pay to Lender the amount of the separately designated paymerMs That were due when the irrsw~urce coverage ceased to be in effect. Lender will accept, use and retain these payments as anon-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and bender shall not be required t4 pay Borrower arty interest or earnir~s on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Lisraance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by i.ender again becomes available, is obtained, and Lender requires separately designated payments towaN the premiwns for Mortgage Irrsrmmcc. If I,erxk:r required Mortgage Insurance as a corrrlition of malting the Loan and Borrower was required to nrrrke separately designated payments toward the premirmtis For Mortgage Insurance, Borrower shall pay the prenuurrrs required trr maintain Mortgage Insurance in effect, or to provide anon-refundable loss reserve, urrtil Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until tenninatian is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay irrterest at the rate provided in We Note. Mortgage h~urance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower Ls rxrt a party to the Mortgage Insrmurce. Mortgage insurers evaluate their total risk on all such insurance in force from time trr time, and nary enter into agreements with other parties that share or modify their risk, or reduce losses. 'I'ht~c agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) io these agreements. These agreements tray require the mortgage insurer ttr make payments nSirrg any sow~ce of fruxLS that the mortgage insurer may have available (which may include funds obtained from Mortgage Ir~sruarrce premiums). ~/ ' "' tiCitiMorlgage 3.2.23.04 V5 NEBRASKA -Single Famlty -Fannie Mae/FYeddle Mac UNIFORM INSTRUMENT -e(NE~ ~osrr~ PageB oT 15 imiala: Form 3028 1/01