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2oloosss4 9. Protection of Lender's Interest in the Property and Rights Undec th�s Security Instrument. If (a) Borrower fails to perform ihe 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 righcs 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 Tnstrument or to enforce laws or regulatians), or (c) Borrower has abandoned the Property, then I...ender may da and pay for whatever is reasonable or apprppriate to protect Lender's interest in the Property and rights under this Security Instzvment, 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 surns secured by a lien which has priarity over this Security Instrurnent; (b) appearing in court; and (c) paying reasonable attorneys' fees to protecc its interest in the Property and/pr rights under this Security Instrument, including its secured position in a bankruptcy proceediug. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up daars and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on ar off. Although Lender may take action under this Section 9, Lender does not have to da so and is nat under any duty or obligatian ta do so, It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any arnounts disbursed by Lender under this Section 9 shall become additional debt of Barrower secured by this Security Instrurnent. These arnounts shall bear interest at the Note rate from the date af disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesCing paymeat. . If this Security Instrument 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 ths fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If L,�nder required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. Tf, for any reason, che Mortgage Insurance coverag� required by Lender ceases to be available from the nnortgage insurer that previously provided such insurance and Borrawer was required to rnake separately designated payments toward the premiurns for Mortgage Insurance, Borrower shall pay the premiurns required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent ta the cost to Borrower of the Mortgage Insurance previously in �ffect, from an alternate mortgage insurer selected by I.ender, 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 loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paad in full, and I.ender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payrnents if Mortgage Insurance coverage (in the amount and for the period that L,Qnder requires) provided by an insurer selected by Lender again beconnes available, is obtained, and Lender requires separately designated payments toward the premiums for Mo�tgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward che premiums for Mortgage Insurance, Borrower shall pay the prenniums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Barrawer and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Sectian 10 affects Borrower's obligation to pay interest at tlae rate provid�d in the Note. Mortgage Insurance reirnburses Lender (or any entity that purchases the Note) for certain Iosses it may incur if Borrower daes not repay the r,oan as agreed. Borrower is not a party ta 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 ar modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the martgage insurer and the other party (or parties) to these agreements. These agreements rnay require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which rnay include funds obcained from Mortgage Insurance premiums). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INS7RUMENT �-BINE) loeiil Page 8 of 15 initiai Form 3028 7/07 � w ; ` r,' r �' 'j � . `