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2Q10Q9120 4. Pratoction of Lender's Interest in the Praperty and Rights Under th�s 5ecurtty Instrument. If (a) Borrawer fails to perforrn the covenants and agre�ments c�ntained in this Security Instn�ment, (h) there is a legal groceeding that might signi�cantly affect Lender's inierest in ths Propecty andfor righ�s under this 5ecurity lnstrument (such as a proceeding in bankruplcy, pra�ate, fnr candemnation or forfeiture, �ar enfarcernent of a lien which may attain priority over this Security lnstrnmen� or to enfnrce laws or regulations), ar (c) Bnrrower has abandoned the Property, the�t Lender may da and pay for what�ver is reasonable or appropriale ta protect Lender's interest in the Property and rights under lhi5 Security Instrument, including proiecting andlor asses�ic�g the value of the Property, and �curing andlor repairing the Fro�eriy. I.,ender's a�tions can inclade, but are not limited to; (a) payitag any surns secured by a lien which has priority aver this Securiiy Instzvment; {b) appear�ng in caurt; and (c� paying reasanable attorneys' fees to proteci its interest in ihe Property and/ar righls under this 5�cw�ity Instruntent, inclucling its secured posi�ion ln a 6ankruptcy proceeding. SecYU�ing the Property includes, hut is not iimited ta, enlering che Pr�openy lo make repairs, change lacks, re�lace or hoard up daars and windows, drain water fram pipes, eliminate building o�` other �ot1e vi�I�tioMS or d�dgeroE►s cot�didans, and have ulililies turned on ar off. Alihough Lender may take aclion under this S��tib� 9 Lender does nat have ta do sa and is not under any duty ar obligation to da sa. It is agreed khat �.ender 9acurs no liabiliiy far nat taking any or all actions autharized under this SQCtion 9. Any amau�tt� disburs�d by Lertder under this Seclipn 9 Shall become additional dehi of Borrower secured hy this Security I�,strument. These amaunts shall bear interest at t�e Note rate frvm the date vf disbursemeni and shall be payahle, with such interest, upon notice fram Lender to Borrower r�yuesting paymsnt. If t�is S�carity Instrumeni is on a leasehold Borrower sltall camply with all the provisions af ihr tease. If Borrawer acquires fee title ta the Properry, the leasehold and the fee title shall not merge unless Lender a�rees ta lhe merger in writin$. 10. Martgagc Insuraac;e_ If Lender required Mprtga�e Insurance as a condi�ion af making the 1�oan, t3arrower shall pay the premiums required to maintain the Mort Insurance in eff'ect. ]f, for any reason, the Mortga�e Insurance coverage reyuired by Lender ceases tp be available i'rom the rnortgage insurer that previously pravided such insurance and Borrawer was required to make separa�ely designated payments taward the premiums for Mortgage Insurance, Sarrower shall pay the Y�r�rniams requircd ta o6tain coverage substantialiy equivaleni to the Mortgage Insurance previously in e#Tect, al a co�k sub5tantiatly equivalent to the cost lo Borrower of �he Martgage Insurance previously in effect, E'rorn an ahernate mortgage insurer selected by I.ender, If subst�ntiall,y equivalent Mortgage lnsurance coverage is not availahle, }3arrower shall continue to pay io Lender the amount af the separately desigriated payments that were due when the insurance coverage ceased ta he in effect. Lend�r will accept, use and retain these payrnents as a nan-refundable I05S reserve in lie� Qf Martgage Insurance. Such loss reserve shall be nvn-refundable, notwithsianding the Fact that Ihe Loan is ultimateiy paid in full, and Lender shall nat be required to pay Borrower any interest ar earn9ngs on such loss rescrve. Lender can no ionger requi.re loss reserve payments Il' Mortgage Insura�ce coverage (ita the amount and for the periad that Lender reqaires} provided by an insurer selected by Lender �gain becames available, is obtained, and Lender requires s�parakely designated payments taward khe preminms for Mortgage It�suran�e. lf Lender required Mortgage Insurance a5 a conditic�n aF inaking lhe Loan and �arrvwer was required ta make separaiely designated payments tvward the gremiums far Martga�e Insurance, Borrower shall pay the premiums required to maintain Martgage lnsiirancc in cffect, or to provide a non-refundable loss res�rve, until Le�der's requirement for Ivlongage Insurancc ends in accordance with any written agreement between �orrower and Lender providing for such termination or until terminatian is required by �lpplicable Law. Nothing in this �;ectian 10 affects Barrowcr's obli�atian ta pay interest at the rate prnv'rded in tk�e Nate. Mortgage InSUrance reimburses Lender (or any endty that �urchases the Nate) far certain lasses it may incur if Barrower daes nat repay the Loan as agreed. Borrower is not a party �o the Martgagc Insarance. Mortgage insurers evaluate their toial risk on all such insurance in Force fram time to �ime and may enter into agr�ements with other parties that share ar madify ih��r risk ar reduce losses. These agreeiments are on terms and cvndit"rans ihat are Satisfackory to ihe m�lrl�age in5urer and the other party (vr parties) ta these a�reements. These agreements may require the marigage insurer to make payments using any source vf �'unds ihak the mort�;age insurer may have available (which may include funds obtained irom Mortgage Insurance premlcuns), a01l22267433 CitiMortg�ge 3.2.42.07 V4 NEBR/1SKA - Singie Family - Fann18 MaelFreddle Mac LIMiFpRM INSTRIIMB+IT WIT �-8A(ME) (08yp) Pe9e e o� 75 �nitiab: � FDffi 3025 11�01