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2oosuy7~s 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 Instrument, (b) there is a legal proceeding Ihat might signtficarrtiy affect Lender's interest in the Property and/or rights under this Security h7,strtrment (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Irrsinrment 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 We Property arrd rights under this Security histrlmrent; including protecting and/or assessing fhe value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) payhrg reasonable attorneys' fees to protect its interest in the Properly and/or rights under this Security Insirumeni, includir~ its secured position in a bankroptcy proceeding. Securing the Property includes, but is Trot limited 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 conditions, and have utilities turned on or off. Although Lender may take action urrler this Section 9, Lender does rrot have to do srr and is rxrt under arty duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any ar all actions authorized urxler this Section 9. Arty amounts disbursed by Lender under this Section 9 shall become additional debt of Harrower secured by Wis Security Ir>5lrument. 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 requesting l~Y~be , If this Security Instrument is on a leasehold, Borrower shall comply with all the provision of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage hrsurarrce as a condition of making We Loan, Borrower shall pay the prerniwn required W maintain the Mortgage Ir>srn~rrrce in effect. If, for arty reason, >he Mortgage h~rsrn'arrce coverage required by Lender ceases to be available from the mortgage insurer that previously provided such inwance and Honrower was required in make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substaNially equivalent to We Mortgage Insurance previously in effect, at a cost substantially equivalerrt to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. V substantially equivalent Mortgage Irrsrrrance coverage is not available, Borrower shall continue to pay b Lender the amount of the separately designated payments that were due when the insmarrce 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 Lender shall not be required to pay Horrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insrrrarrce coverage (in the amount acrd for the period that Lender requires) provided by an tourer selected by Leader again becomes available, is obtained, and Leader requires separately designated payments toward the premiurrr5 for Mortgage Irtsruarrce. I[ Under required Mortgage Insurance as a condition of malting the Loan aril Borrower was required to make separately designated payments toward the premiums for Mortgage h~rswsurce, Honrower shall pay the premiums required to maintain Mortgage hl5rnarxe in effect; or to provide anon-refundable loss reserve, until Lender's requirement for Mortgage L>,srrrarrce ends in accordance with any written agreement between Borrower and Lender providing for such ternrination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the ratC provided in the Note. Mortgage hisr>rance reimburses Lender (or any entity that purrha~ses We Note) for certain losses it may incur if Borrower does rxrt repay the Loan as agreed. Borrower is not a party t0 the Mortgage Insrrrurice. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may eater into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and condition that are satisfactory to the mortgage insurer arrd the other party (or parties) to these agreements. These agreements may require the mortgarge insurer to make payments using any source of funds chat the mortgage insurer may have available (which may include funds obtained From Mortgage hisru~ance premiurm). 001120991870 CitiMortgage 3.2.27.]3 V5 NEBRASKA -Single Fatuity -Fannie MaelFn3ddle Mac UNIFORM INSTRUMENT !~(.11H MERS ~-BA(NE) iaeio~ Faye e m is i,:eai~1 ~- Form 3D28 1 /D1