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�oioogi8s 9. Protection of L�nder's Interest in the Property and Raghts Under this Security Instrument. Tf (a) Borrawer fails to perform the covenants and agreements 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 Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws ar regulations), or (c) Borrower has abandoned the Property, then i,endex may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Securicy Instrument, including protecting and/ar assessing the value of the Property, and securing and/or repaixing the Property. I.ender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instnunenc; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Secu�ity Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to rnake repairs, change locks, replace ox boa�rd up doors and windows, drain water from pipes, elirninate building or other code violations or dangerous conditions, and have utilities turned on ar aff. Althaugh Lender may take actian 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 L,ender 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 becorne 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 noCice from Lender to Borrower requesting payment. If this Security Instrurnent is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not xnerge unless I.ender agre�s to the mergcr in writing. 10. Mortgage Insurance. If L,�nder required Mortgage Insurance as a condition of making the T.�an, Barrawer 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 from the mortgage insurer that previously provided such insurance and Borrower was required to rnake separately designated payments toward the premiums for Mortgage Insurance, Borrower sha11 pay the premiums required to abtain 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 martgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the aanount of the separately designated payments that were due when the insurance coverage ceased to be in effect. I.endex will accept, use and retain these payments as a non-refundable lpss reserve in lieu of Mortgage Insnrance. Such loss reserve shall be non-refundable, notwithstanding the fact that the L.oan 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 I.ender again becomes available, is obtained, and Lender requires separately designated payments toward the prexniunns for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments taward the premiums far Martgage Tnsurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirernent 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 affecCs Borrower's obligation to 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 nat a party ta the Martgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force fro�n tirne to time, and may enter into agreements with ocher parties that share or modify th�ir risk, or reduce lasses. These agreements are on terms and conditions that aze satisfactory to the mortgage insurer and the other party (or parties) to these agreements. '1'hese agreements may require the mortgage insurer ta make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMEN7 �-s�NE) (0811) Page 8 of 15 � inisiais; Form 3028 1/07 � c G a� ,�'' .-� i�� � � q . , � •