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2oiaos24� 9. Protection af Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails ta perform the covenants and agreernents contained in this Security Instrument, (b) there is a legal proceeding that raight significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in banlcruptcy, probate, for condernnation or forfeiture, for enforcernent of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) $orrower has abandaned the Property, then L.ender may do and pay for whatever is reasonable or appropriate to protect I.ender's znterest in the Froperty and rights under this Security Tnstrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. I.ender's actions can include, but are not lirnited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasanable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrurnent, including its secured position 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 from pipes, eliminate building or other code vialations or dangeraus conditions, and have utilities turned on or 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 J,ender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at th� Nate rate from the date of disbursement and sha11 be payable, with such interest, upon notice from L,ender to Borrower requesting payment. If tl�is Security InsCrument 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 the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage 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 from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower sha�l pay the premium.s 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 Tnsurance previously in effect, from an altemate 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 payrnents that were due when the insurance coverage ceased to be in effect. L.�nder will accept, use and retain these payments as a nan-refundable loss reserve in lieu of Mortgage Insurance. Suclx loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultirnately 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 loss 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 abtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments tpward the premiums fpr Mortgage Insurance, Borrower shall pay the premiums 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 Borrower and Lender providing far such termination or until tennination is required by Applicable I.,aw. Nothing in this Section 10 affects Borrower'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 Borrower daes not repay the I.oan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from tirne to time, and may enter into agreernents with other parties that share or modify their risk, or reduce losses. These agreements ar� on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to rnake payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-61NE) 1o8t t 1 Page 8 of 15 Initials: �� Form 3028 9/09 � ,?i � i1�� .1,