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201008723 9. Protectiun af Lender's Interest in the �roperty and Rights Undcr this Security Instrumcnt. If (a) Barrowet fails to petfonn the covenants and agteements contained in this Security Insttument, (b� there is a legal ptoceeding that might significantly affect Lendet's intetest in the Property and/or rights under this Security Instnunent (such as a proceeding in bankruptcy, prol�ate, for condernnation or forfeiture, for epforcement of a lien which may attain priority over this Security Instrutnent or to enforce laws ar regulations), nr (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 Property and rights under this Security Instnunent, including protecting and/or assessing the value of the Property, and secuiring and/or repaiting the Properiy. Lender's actions can include, but are not lirnited to: (a) paying any swns secured by a lien which has priority over this Security Iustrument; (b) appearing in caurt; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/ar rights under this Security Instrument, including its sccured posifion 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 &om pipes, eliminate building or other code violations or dan�erous conditions, and have utilities tutned on or nff. Although Lender may take action under this Section 9, Lender does not have to da so and is not under any duty or obligation to do so. It is agreed that Lender incuts no liability for not taking any or all actions authorized under this Section 9. Any amaunts disbursed by Lender under thiy Section 9 shall become additional debt o£ Sorrower secured by this Secutity Instturnent. These an�ounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice froin Lendet to Borrower requesting payment. If this Securiiy Instrument is on a leasehold, Borrower shall camply with all the provisions of the lease. If I3orrower acquires fee title to the Prap�rty, the leasehold and the fee title shall not merge unless Lender agtees to the merger in writing. 10. Mortgage Insuranee. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required ta mainlain the Mortgage Insurance in effect. If, for any reason, the Mort�,age Insurance coverage required by Lender ceases ta be available fiom the mortgage insurer that preViously provided such insurance and Sorrower was required to make separately designated payments toward the pterniums for Mortgage Insurance, Borrower shall pay the premiurns requixed to obtain covetage substantially cquivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the L'OFt t0 Borrawer of the Mortgage Insurance previously in ef£ect, from an alternale mortgage insurer selected hy �,ender_ T� subGtantially equivalent Mortgage Insuu coverage is not available, Bortower shall continue to pay to Lendet the arnount of the separately designated paytuents that were due when the insutance covetage ceased to be in effect. Lender will accept, use and retain these payinents as a non-refundable losG reserve in lieu af Martgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultirnately paid in full, and Lender shall not be required ta pay Bortower any interest or earnings on such loss reserve. Lender can no longcr require loss reserve payments if Mortgage Insurance coverage (in the amount and for ihe period that Lcnder requires) provided by an insuxer selected by Lendex again becomes aVailable, is obtained, and Lender requires separately designated payments toward the prenniums for Martgaga Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrawer was required to rnake separately designated payments towatd the premiums For Mortgage Iusurance, $ortower shall pay the preiniwns required to maintain Mortgage Insutance in effect, ot to provide a non-refundable loss reserve, until Lender's tequirement for Mortgage Insurance ends ian accordance with any writtcn agreernent bctween Sorrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Bottower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reirnburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrnwer does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insuu'ance. Mortga�c insurers evaluate their total risk on all 5uch insurance in foxce from time to time, and may enter inta agreements with other parties that share or tnodify their risk, or reduce losses. 'I'hese agreements are on tenus and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to thesa agreements. These agteeinents may tequire the mortgage insutet to make payments using any source of fuuds that the rnortgage insuter may have available (which may include funds obtained from Mortgage Instivance �retniLUns). N�BRASKA- Single Family - FannieMaelFreddie Mac UNIFORM INSTRUMEN7 �-6(NE) �oa�� Page 8 of 15 initiai �orm 3U28 1/07