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�oloos4o2 9. Protection of Lender's Interest in the Property and Rights Undar this Sacurity Inatrumant. 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 Secur3ty Instn�ment (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priarity aver this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, khen Lender may do and pay for 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. 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 attnrneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. 5ecuring the Property includes, but is not limited to, entering the Property to rnake repairs, change locks, replace or board up doors and windows, drain water from pipes, elirninate building or other code violations oe dangerous conditions, and have utilities turned on nr off. Although Lender may 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 na liability for not taking any or all actions authorixed under this Section 9. Any amounts disbursed by Lender under this Section 9 shall becarne additianal debt of Borrower secured by this Security Instn�ment. These amounts shall hear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesdng payment. If this Security Instrument is on a leasehold, Sorrower shall cornply with all the provisions of the lease. If Borrower acqnires fee title to the Property, the leasehold and the fee title shall not rnerge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgag� 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 fram 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 previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previonsly 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 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 lass reserve in lien of Mortgage Insurance. Snch loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultinr�ately 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 Ioss 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 for Mortgage Insurance. If Lender required Mortgage �nsurance as a condition of making the Loan and $orrower was required to make separately designated payments taward the premiurns for Mortgage Insurance, Borrower shall pay the pretniutns required to maintain Mortgage Insurance in effect, or to provide a non-refunda6le loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Sorrower and Lender praviding 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 reirnburses I.ender (or any entity that purchases the Note) for certa�n losses it may incur if Sorrower does not repay the Loan as agreed. Borrower is not a party to the Martgage Insurance. Mortgage insprers evaluate their tatal risk on all such insurance in £ntce frorn time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory ta the mortgage insurer and the other party (or parties) to these agreernents. These agreettaents may require the mortgage insurer to make payments using any source nf funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). 001122236652 Citilldortgage 3.2.42,07 Vll N�RASKA - 5ingle Family - Fannie MsdFreddie M8c UNIFORM INSTRIJM6VT WIT MER�S ��A(NF� roaio� Page 9 oF 15 i„ieiais: Form 3028 1/01