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...,�: RE-R'�CORD�D ` ; 2 �i�'�� 2010�5i71 9. Protect3on of Lender's Interest in the Property and Rights Under this SecUrity Instrument. If (a) Borrower fails to perform the covenants and agreements cantained in this Security Instrument, (b) there is a legal proceeding that might signi�cantly affect L.ender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for conde�tu�atian ar forfeiture, for enforcement of a lien which may attain priority over this Security Instnunent or to enfarce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay far whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrurnent, 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 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 PropeRy and/or rights under this Security Instnunent, including its secured position in a bankruptcy pxoceeding. $ecuring the Property includes, but is nat limited to, entering the Property to make repairs, change locks, replace ar board up doors and windows, draan water from pipes, eliminate building or other code violations or dangeraus conditions, and have utilities turned on or off. Althou$h Lender may take action under this Section 9, Lender does not have to do so and is not ut�der any duty or obligation to do so. It is agreed that Lender 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 becorne additional debt of Barrower secwred by this Security Instrument. These amouants shall bear interest at the Note rate from the date of disbursernent and sl�all be payable, with such interest, upon notice from I,ender ta Borrower requesting payment. . 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 the fee title shall not rnerge 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 rnaintain the Mortgage Insurance in effect. If, for any reason, the MorCgage Insurance coverage required by Lender ceases to be available from the rnortgage insurer that previously provided such insurance and Borrower was required to malce separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrpwer of the Mortgage Insurance pz�viously in effect, from an alternate mortgage insurer selected by I.ender. If substantially equivalent Mortgage Insurance coverage is not available, Borrvwer 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 payrnents 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 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 MoRgage Insurance coverage (in the amount and for the period that L,ender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiwns far Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make sepazately designated payments toward the premiums for Mortgage Insurance, Borrawer shall pay the premiurns required to rnaintain 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 for such ternunation or until temunatian is required by Applicable Law. Nothing in this Sectian 10 affects Borrower's obligation ta 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 does not repay the Loan as agreed. Borrower is not a party to the Mortgage insurance. Martgage insurers evaluate their total risk on all such insurance in force fram tirne to tirne, and rnay enter into agreements with other parties that share or modify their risk, or reduce losses. These agreernents are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreernents 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 - Singla Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6�NE) rosi i� Page 8 of 15 i��uais: � Form 3028 1/01 � ,� � � � 1ti 4 � ^