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2010�9�8i 9. Protection of Lender's Interest in the Property and Rights Under this Secarity Instrument. Tf (a) Borrower fails ta perform the covenants and agreemenCs contained in this Security InstrutnenC, (b) there is a legal proceeding that might significantly affect Lender's interest in the Praperty an.d/or rights under this Security Instcuxnent (such as a proceeding in bankruptcy, probate, far condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrumexit or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instnunent, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. �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 ir� court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is nat limited to, entering the Property to make repairs, change locks, replace or board up doors and windaws, drain water from pipes, eliminate building or other code violations or dangeraus conditions, and have utilities tumed on or off. Although Lender may take action under this Section 9, Lender does not have ta do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorize�i under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Bonower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upan notice from Lender to 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 Froperty, the leasehold and the fee title shall not rnerge ur►less Lender agrees to ct�.e merger in writing. 1Q. Mortgage Insurance. If Lender required Mortgage lnsurance as a candition 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 reyuired by Lender ceases to be available from khe mortgage insurer that previously provided such insurazxce and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to abtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borirower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If subsCantially 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. Lender wi11 acc�pt, use and retain these payments as a non-refundable loss reserve in lieu of MorCgage Tnsurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paud in full, and Lender shall not be required to pay Borrawer any intez'est 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 insurer selected by Lender again becomes avaiIable, is obtained, and Lender requires separately design�ated payments toward the premiums for Mortgage insuranc�. If Lender required Mortgage Insurance as a condition of znaking the Loan and Borrower was required to make separately designated payments toward the prerniurns for Mortgage Insurance, Borrower shall pay the prezniums required to maintain Mortgag� Insurance in effect, or to provide a non-refundable loss reserve, until L.ender's requirernent fox Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such tet�taanation or until ternunation is required by Applicable Law. Nothing in this Section lp affects Borrower's obligation to pay interest at the rate pravided in the Note. Martgage Insurance reimburses 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. Mortgage insurers evaluaCe their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreetnents. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer rnay have available (which may include funds obtained from Mortgage Insurance premiums). N�BRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6�NE) 1oa��1 PageB of 15 i��uais: Form 3A28 7/07 � � n . t � y .