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2010U7874 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreemencs contained in this Security Instrument, (b) there is a legal proceeding that might signi�cantly affect I..ender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation ar forfeiture, for enfoxcenxent of a lien which may attain priority over this Security InstrumenC or ta enforce laws ar regulations), ox (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Prpperty and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. I,�nder's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this S�curity Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in tla.e Property and/ar rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Praperty includes, but is not limited to, entering the Praperty to make repairs, change locks, replace or board up doors and windows, drain water from pipes, �liminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although J.,ender may take actian under this Section 9, Lender does not have to do so and is nat under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by I.ender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts sha11 bear interest at the Note rate frorn the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. . If thrs 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 aud the fee title shall not merge unless T.ender agrees to the rnerger in writing. 10. Mortgage Insurance. 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 fxom Che mortgage insurer that previously provided such insnrance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain caverage sobstantially equivalent to the Mortgage Insurance previously 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 Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the sepaz�ately designated payments that were due when the insurance coverage ceased ta be in effect. Lender will accept, use and retain these payments as a non-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 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) provided by an insurer selected by Lender again becames available, is obtained, and I,ender requires separacely designated payments tovvard the premiums for Mortgage Insuxance. If I.ender required Mortgage Insurance as a condition of znaking 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 MoRgage Insurance in effect, ar ta provide a non-refundable loss reserve, until 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 obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses I.,ender (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. Martgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that shaze or rnodify their risk, or reduce losses. These agreernents are on terms and conditions that are satisfactary to the mortgage insurer and Che other party (ar parties) to these agreements. These agreements rnay require the mortgage insurer to make payrnents using any sonrce of funds that the mortgage insurer rnay have available (which may include funds obtained from Mortgage Insurance premiums). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-g�ry�� p$> > � Pege 8 of 15 �nitials: FOP�TI �O�S 9/09 i��/ , a �¢ a ti�+�.. ��., i