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�oluu�47s 9. Protection of Lender's Interest in the Property and Rights Unde�r this Security Instrument. If (a) Borrower fails to perforna the covenants and agrcements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instnunent (such as a proceeding in bankruptcy, probate, for condernnation or forfeiture, for enforcernent of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonabl� or appropriate to protect Lender's interest in the Property and rights under this Security Instzument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can. ianclude, but are not lirnited to: (a) paying any swnn,s secured by a lien which has priority over this Security Instru�ment; (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 pnsition in a bankruptcy proceeding. Secu�ing the Property includes, but is not lirnited to, entering the Property to rnake repairs, change locks, replace or board up doars 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 da so. It is agrced that Lender incurs no liability far not taking any ar all actions authorized under this Section 9. Any arnounts disbursed by Lender under this Section 9 shall becorne additional debt of Borrower secured by this Security Instrurnent. These amounts sha�l bear interest at the Note rate from the date of disbuarserment and shall be payable, with such interest, upon notice from J.ender to Borrower requesting payment. . If this Security Instrwnent is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title ta the Property, the leasehold and the fee citle shatl not merge unless Lender agrees to the merger in wciting. 10. Mortgage Insurance. If Lender requiared Mortgage Insurance as a condition of making the Loan, Borraw�r shall pay the prerniurns required to maintain the Mortgage Insurance in effect. If, for any reason, tt�e 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 payments toward the premiums for Mortgage Insurance, Borrower shalt pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effe�t, from an alternate mortgag� insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the inswrance caverage csased to be in effect. Lender will accept, use and retain these payments as a non-refundable lass 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 Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Martgage Insurance coverage (in the amount and for the periad that Lender requires) pravided by an insurer selected by Lender 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 rnake sepazately designated payrnents tovvard the prerniurns for Mortgage Insurance, Borrower sha11 pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until I,ender's requirement for Mortgage Insurance ends in accardance with any vvritten agreement between Borrower and Lender providing for suct� termination or unti! tennination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insuxance reimburses I.ender (or any entity that purchases the Note) for certain losses it rnay incur if Borrower does not repay the Loan as agreed. Barrower is not a party to the Mortgage InsuranCe. Mortgage insurers evaluate their total risk on all such insurance in farce from tirne to time, and may enter into agreements with other pazties that share or rnodify their risk, or reduce losses. These agreennents are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agre.ements. 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). NE6RASKA - Single Family - Fannie Mae/Freddie Mac UNIPORM INSTRUMEN7 �'/� � -61N�) �osi i� Page 8 of 75 i�rc�eis: A� 11�/ Form 3028 1/07 � r��--�--� �t � .� q.P 1 �