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2o�oas4o� 9. Protection of Lender's Interest in the Froperty 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 Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condernnation or forfeiture, for enforcemenc of a lien which may attain priarity over this Security Instrument ar to enforce laws or regulations), or (c) Borrower has abandoned the Property, then L.ender may do and pay far 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. L.ender'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 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, �.ender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liabilicy for not taking any or a11 actipns autharized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall beconne 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 notica from Lender to $orrower requesting payment. . If this Security Instrument is on a leasehold, Borirower shall connply with all the provisians of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title sha11 not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making ihe Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effecC. If, for any reason, the Martgage Insurance coverage required by I.ender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required ta make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obcain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Banower of the Mortgage Insurance previously in effect, from an alternate nnorcgage insurer selected by Lender. If substantially equivalent Martgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separaCely designated payrnents 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 the fact that the Loan is ultim.ately paid in full, and Lender shall not be required to pay Barrower any interest ar earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the aznount and for the periad that Lender requires) provided by an insurer selected by L,Qnder again becomes available, is obtained, and I.ender requires separatcly designated payments toward th� premiums for Mortgage Insurance. If Lender required Mortgage 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 Che premiums required to maintain Mortgage Insurance in effect, ar ta pravide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agrecment between Bonower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Sectian 10 affects Bonower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses I.ender (ar any entity that purchases the Note) for certain losses it may incur if Borrower does not repay tl�e I,oan. as agreed. Borrower is nat 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 agreernents with other parties that share or rnodify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactary to 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 rnortgage insurer rnay have available (which may include funds obtained from Mortgage Insurance precniwns). N�BRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-B�NE) �oai �� Paga 8 of 15 initiais:�c �� Fprm $p2$ 7/07 . , �►►:. j