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201009788 9. Prptection of Lender's Interest in the Yroperty and I�iights Under tbia Security instrument. If (a) Borrower fails to perform the covenants and agreer�aents contained in this 5ecurity Instrumcnt, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under th.is Security Instcument (such a,� a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which rnay attain pr~iority over this Security Instrument or to enforce laws or regulations), ar (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 r`ights under this Security Insmunent, 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 lirnited to: (a) paying any sums secured by a lien which has priority over this Security Instcwnent; (b) appearing in court; and (c) paying reasonable attomeys' fees to protect its interest in the Properiy and/ar rights under this Security Instrument, 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, elirninate building or other code violaiions or dangerous conditions, and have utilities turned on or off. Although Lender may take actian 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 Lender incws na Habilrty far 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 gorrower secured by this 5ecurity Lnstrument. These amounts shall bear inteY'est at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If thrs Security Instiwnent is on a leasehold, Barrower shall comply with all the provisions of the lease. If Borrower acquires fce 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 I.oan, 13orrower 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 frorn the mortgage insurer that previously provided such insurance and E3orrower was required to rnake separately designated paymcnts toward thE premiurns 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 Borrower of the Mortga�e Insurance previousl.y in e.ffect, from art alternate mortgage insurer selecte� by Lznder. If substantially �uivalent Mortgage Insrxrance coverage is not available, �3orrower shall continue to pay to Lender the arnount of the separately designated payments that werc due when the insurance coverage ceased to be in effect. Lender will accept, use and retain th�e payments as a non-refundable loss reserve in lieu of Mortgage insurance. Such loss reserve shall be non-refundable, notwithstanding the fact ihat the Loan is ultimately paid in full, and Lender shall not be required to pay Bor�ower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the arnount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender reqnires separately desigr►ated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a conditron of making the Loan and Barrower was required to makc separately designated payrnents toward the premiums for 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 requirernent for Mortgage Insurance ends in accordance with any written agreement between k3orxower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects F3orrower's obligation ta pay rnterest at the rats provided in the Note. Mortgage lnsurance reirnburses Lender (or any entity that purcha,�es the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a pariy to the Mort�age Tnsurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may ente.r into agree.ments with ather partres that share or modify their risk, or reduce losses. Thcse agreements are on terms and conditions that are satisfactory to the mortgage insurer and the otkaer pariy (or parties) to these a�'eements. These agrccments may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may rnclude funds obtarned from Mortgage Insurance premiums). 2200066269 D V6ANE NEBRASKA - 5ingle Family -�annie Mae/Freddle Mac UNIFORM INS7RUMENT WITH MERS �-fiA�N� Ioe�ol P8�8 a of is in�c�ais: �•� . Form 3028 1101 c?>