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2oioos93� 9. Protection of Lender's Interest in the Property and Rights iTnder this Security Instrument. If (a) Borrower fails to per�'orm the covenants and agreements contained in this Security Tnstrument, (b) there is a legal proceeding that nnight significantly affect L.ender's interest in the Property and/or rights under this Security Instrument (such as a procceding in bankruptcy, probate, for condemnation or farfeiture, for enforceznent af a lien which may attain priority over this Security Instrurnent or ta enforce laws or regulations), or (c) Borrower has abandoned the Property, then I,ender may do axtd pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Tnstrument, including procecting and/or assessing the value of the Property, and securing azid/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 Praperty and/or rights under this Security Instnunent, including its secured position in a bankruptcy proceeding. Securing the Property includes, bat is not limited to, entering the Property Co make repairs, change locks, replace or board up daors and windows, drain water from pipes, eliminate building or other code v'tolatians or dangerous conditions, and have ut►lities turned on or off. Although Lender may take action under this Section 9, Lender does noC have to do so and is not under any duty or obligation to do so. It is agreed that T.ender incurs no liability for not taking any oz' all actions authorized under this Section 9. Any amounts disbursed by Lender uander this Section 9 shall become additional debt of Borrower secured by this Security Instnunent. These amounts shall bear interest at the Note rate frorn the date of disbursernezit and shall be payable, with such interest, upon noCice from Lender to Borrower requesting payrnent. If this Security Iz�strument is on a leasehold, Borrower sha11 connply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in wricing. 10. Mortgage In�surance. If Lender requixed Mortgage Insurance as a candition of making the L.oan, Borrawer shall pay the prerniwns required to maintain ttxe Martgage Insurance in effect. If, far any reason, the Mortgage Insurance coverage required by Lender ceases to be available frorn the m.ortgage insurer that previously provided such insurance and Borrower was required to ntake separately designated payments toward the premiurns for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent ta the Mortgage Insurance previously in effect, at a cost substantially equivale�nt to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance covexage is not available, Borrawer shall continue to pay to Lender the annount of the separately designated payments that were due when Che insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Martgage 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 Borrawer any inter�st 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 L.ender requires) provided by an insurear selected by Lender again becomes available, is obtained, and Lender requires sepaxately designated payrnents toward the premiums for Mortgage Insurance. If I,ender required Mortgage Insurance as a conditian of making the Loan and Borrawer was required to rnalce separately designated payments toward the premiums far Mortgage Insurance, Borrower shall pay the premiunns required to maintain Mortgage Insurance in effect, or ta provide a non-refundable loss reserve, until Lender's requirernent For Mortgage Insurance ends in accordance with any written agreement between Borrower and I.ender providing for such ternunation or until termination is required by Applicable Law. Nothing in this Section 10 affects Barrower's obligation to pay interest at the rate provided in the Note. Moxtgage Insurance reimburses �,ender (or any entity that purchases the Note) for certain losses it may incur if Sorrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to tirne, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreetnents are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreet�ents. These agreements ttzay require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Inswrance premiums). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-61NE) Ioa>>� Page 8 of 15 Initials: FOfm $Q28 1l07 � � .. i�� e r i .� e.