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2U1007568 9. Protection of Lender's Interest in the Praperty 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 that might significantly affect I.ender's interest in the Property and/or rights under Chis Security Instnuztent (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcem�nt of a lien which znay attain priarity over this Security Instrurnent or to enfoxce laws or regulatians), or (c) Borrower has abandoned the Property, then Lender miay 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 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 prioz'ity over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrunnent, including its secured pasition in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace ar 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, L,ender does not have to do so and is not under any ducy or obligatian to do so. It is agreed that Lender incurs no liability for not taking any ox all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 sha11 become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice fram I,ender to Barrower requesting payment. If this Security Instrument is on a leasehold, Borrawer shall comply with all the provisions af 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 Insurance as a condition of making the L,oan, Barrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any xeason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously pravided such insurance and Borrower was required to make separately designated payrnents towaxd the prezniunns for Mortgage Insurance, Boxrower shall pay the premiurns required ta obtain coverage substantially �quivalent to the Mortgage Insurance previously in effect, at a cost substantially �quivalent to the cost to Borrower of the Martgage Insurance previously in effect, frarn an altemate rnartgage 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 insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-xefundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be nan-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 Mortgage Insurance coverage (in the amount and for the period that Lender requires) pravided by an insurer selected by Lender again becornes available, is obtained, and Lender requires separately designated payments toward the prerniurns for Mortgage Tnsurance. If Lender required Mortgage Insurance as a condition of rnaking the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Tnsurance, Borrawer shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable lass reserve, until L.ender's requirernent for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing far such terminatian or until termination is required by Applicable Law. Nothing in this Sectian 10 affects Borrower's obligation to pay interest at the raCe provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay tl�e Loan as agreed. Borrower is not a party Co the Moctgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from tirne to tirne, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreernents are on terms and conditions that are satisfactary to the mortgage insuxer and the other party (or parties) to these agreements. These agreernents may require the martgage insurer to rnake payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiurns). 2200058545 A v6ANE NEBRASKA - Single Femily - Fannie Maa/Freddie Mac UNIFORM INS7RUMENT WITH MERS �-6AINE) �oa�o� Page 8 of 15 in�e�eis: � Form 3028 1/07 0 ,�K�