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201oo�43i 9. Protection of Lender's Tnterest in the Property and Rights Under this Security Instrument. If (a) Borrower fails ta perform the covenants and agreements cantained in this Security Instzument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/oar rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for candemnation or forfeiture, for enforcement of a lisn which may attain priority over this Security Tnstrument or to enforce laws or regulations), or (c) Boxrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Froperty, and securing and/or repairing the Property. Lender's actions can include, but axe not linnited to: (a) paying any sums secured by a lien which has priority over this Security Instrurnent; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Froperty 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 under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or a11 actions authorized under this Sectian 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursernent and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument 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 Lender agrees to the rnerger in writing. 10. Mortgage Insarance. If Lender required Mortgage Insurance as a condition of making 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 nnake separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cast substantially equivalent to the aost to Borarower of the Mortgage Insurance previously in effect, fram an alternate martgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrpwer shall continue to pay ta Lender the ampunt of the 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 resexve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwiChstanding the fact that the Loan is ultimately paid in full, and I�ender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payrnents if Mortgage Insurance covexage (in the amount and for the period that I,ender requires) provided by an insurer selected by Lender again becomes available, is abtained, and Lender requires separately designated payments tpward the premiums for Martgage Insurance. If Lender required Martgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payrnents toward the premiurns for Mortgage Insurance, Barrower shall pay the premiums required 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 agreemenC between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nathing in this Section 1Q 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 daes not repay the Loan as agreed. 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 agreements with other parties that shaxe or modify their risk, or reduce losses. 'I"hese agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreernents. These agreernents rnay require the mortgage insurer to make payments using any source of funds that the rnortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). NEBRASKA - Singls Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS �-BA�NE) �oe�o) Page 8 of 15 iniciais: �� Form 3028 9/09 � II I I II IIIII I I II I�IIIII I I II � illl III I II I I II I�III III