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�o�ouso4i 9. Protection of Lender's Interest in the Properrty and Rights Under thiis Security Instrarnent. If (a) Borrawer fails to psrform 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 this Secuarity Instrument (such as a proceeding in bankruptcy, probate, for condemnation 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 znay do and pay for whatever is reasonable or apprapriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or 2ssessing 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 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 Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make 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 rnay 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 all actions authorized under this Section 9. Any amaunts 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 disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Tnstrument is on a leasehold, Banower shall comply with all the provisions of the lease. If Borrower acquires fee title to ttae Property, the leasehold and the fee title shall not rnerge unless I.endex agrees to the merger in writing. 10. Mortgage Insurance. If I.,ender required Mortgage Insurance as a conditian af making the L.oan, Borrower sha11 pay tl�e premiums required to maintaix► 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 Borrawer was required to make separately designated payrnents toward the premiums for Mortgage Insurance, Borrower shall pay Che premiu�r►s 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 effect, from an alternate mortgage insurer selected by Lender. Tf substantially equivalent Mortgage Insurance coverage is not available, Bonower shall continue to pay to L,Qnder the amount of the sepazaCely 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. Such loss reserve shall be non-refundable, notwithstanding tl�e fact that the I.,oan is ultimat�ly 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 becomes available, is obtained, and Lender requires separately designated payments toward the premiums far Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the prerniurns for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until L.end�r's requirement for Mortgage Insurance ends in accordance with any written agreemenc between Borrower and Lender praviding for such terminatian or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrawer's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity Chat 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 time, and may enter into agreements with other parties that share or rnodify their risk, or reduce losses. These agreements aze an temis and conditions that are satisfactpry ta the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer rnay have available (which may include funds obtained from Mortgage Insurance premiums). NEBRASKA - 5ingle Family - Fannie MaelFreddie Mac UNIFORM INSTRUMENT �-B�NE) (oe1 t1 Page 8 of 15 iniciais: Form 302$ 9/09 �r� / ` � ° � �- R '. d ? � '� i � t .'� , � �