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�0100970G 4. Protection of Lender's Interest in the Piroperty and Rights Under this Security Ixtstrurnent. If (a) Borrower fails to perform the covenants and agreem,ents contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Se.curity Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain prioriry over this Security Insttvment 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 L.ender's interest in the Property and righTs under chis Security Instrument, including protecting and/or assessing the value af 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 aver this Security Instrument; (b) appearing in 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 not limited to, entering the Praperty to tna�Ce repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous canditions, 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 abligation to da sa. It is agreed that L,ender incurs no liability for not taking any or all actians authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secwred by khis Security Tnstrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payrnent. If ttus Security Instrurnent is on a leasehold, Borrower shall comply with all the provisions af the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not znerge unless L.ender agrees to the merger in writing. 10. Mortgage Inswrance. If L.e�der required Martgage Insurance as a condition of making the L.oan, Borrower shall pay the premiums required to rnaintain the Mortgage Tnsurance in effect. If, for any reason, the Mortgage Insurance caverage 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 prexniums for Mortgage Insurance, Burrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cast substantially equivalent 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 coverage is not available, Borrower shall continue to pay to Lender the annount of the separately designated paynnents that were due when the insuranc� coverage ceased to be in effect. Lender will accept, use and retain these payrnents 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 ultitnately paid in full, and Lender shall not be reqtured to pay Borrower any interest or earnings on such loss reserve. I.ender can no longer require loss reserve payments if Mortgage Insurance covexage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separat�ly designated payments taward the prerniums for Mortgage Insurance. If L.ender required Mortgage Insurance as a condition of making the Loan and Borrawer was required to make separately designated payments toward the premiums for MoRgage Insurance, Borrower shall pay the premiwns required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until I,ender's requirertxent for MarCgage Insurance ends in accordance with any written agz'eement between Bonower and Lender providing for such ternunatian or until ternunation is required by Applicable Law. Nothing in this Section 10 affects Bdrrower's obligation to pay interest at Che rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the L,oan as agreed. Borcowex is not a party to the Mortgage Insurance. Mortgage insurers evaluate 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 agre�ments are on terms and conditions that are satisfactory to the rnortgage insurer and the other party (or parties) to these agreements. These agreements may require the martgage insurer to make payments using any source of funds that the rnortgage insurer may have available (which may include funds obtained frorn Mortgage Insurance premiurns). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRIIMENT �- INE) (oat t1 Paga 8 of 15 Initials: , � Form 3028 9/09 i� � � r : r sti