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2oioo7s94 9. Pratection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Sorrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal praceeding that might signi�cantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, fnr enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Bnrrower has abandoned the Property, then Lender may do and pay for whatever is reasana6le or appropriate tv protect Lender's interest in the Property and rights under this Secarity Instrument, including protecting and/or assessin� 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 priority aver this 5ecurity Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Prope►ty and/or rights under this Security Instrument, including its secured positian in a bankruptcy proceeding. 5ecuring the Property includes, but is not limited to, entering the Property to make repairs, change lncks, replace or board up doors and windows, drain water from pipes, eliminate 6uilding or other code violations or dangernus conditions, and have utilities turned on or off. Although Lender may take action under this 5ection 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 na liability for nok taking any or all actions authnrized under this Sectian 9. Any amounts disbursed by Lender under this Section 9 s�all became additional debt of Borrower secured by this 5ecurity Instrument. These amonnts shall bear interesr at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower reqnesting payment. If this 5ecnrity Instrument is on a leasehold, Borrower shall comply with all the provisinns of the lease. If Borrower acquires fee tide 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 Loan, Borrawer shall pay the premiurns required to maintain the Mortgage Insurance in effect. If, for any reasan, 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 make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previonsly in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insnrance 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-refundable loss reserve in lieu of Mortgage Insurance. Sach loss reserve shall be non-refundable, nntwithstanding the fact that the Loan is nitirnaCely 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 Insnrance coverage (in the arnount and for the period that Lender requires) provided by an insurer selected by Lender again becornes available, is obtained, and Lender reqnires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Martgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payrnents toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reseirve, nntil Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligatinn ta 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 does 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 tirne, and may enter into agreements with other parties that share or modify their risk, ar reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreernents. These agreements may reqnire the mortgage insarer to make payments using any source of funds that the mvrtgage insurer may have available (which may include funds obtained frurn Mortgage Insurance prerniums). 001122166041 Cit�iMortgage 3.2.41.p5 V3 N�RASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMEN7 WIT� �-BA(Nq �oeio) Page 9 of 15 in�uai� rm 3028 1l01