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2�10098�4 9. Protection of Lender's Tnterest in the Property and Rights Under this Security Instrument. If (a) Barrower fails to perforn� the covenants and agreements containcd in khis Security Tnstrument, (b) thcrt is a legal proceeding ihal might significantly affect Lender"s interesl in �he Property and/or rights under this Security Instrument (such as a praceeding in bankruptcy, probate, for candernnation or forfeiture, for enf�rcement of a lien which rnay attain priority over this Security Tnstrument �r to enforce laws or regulations), or (c) Borrc�wer has abandoned the Yroperty, then Lender may do and pay for whatever is reasonahlr: or appr�priate to protect T.ender's inlcrest in the Property and rights undcr lhis SecuriCy Instrument, including protecting and/or assessing the value af the Property, and securing and/�r repairing the Property. I.ender's ackic�ns 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 1'roperty and/or rights under this Security Instrument, including its secur�;d ppsition in a bankruptcy proceeding. Securing the Property includes, hut is not limited to, entering the Properky to make repairs, change locks, replace or board up doors and windows, drain water from pipes, elirninate building or other codc vialations or dangerous conditions, and have utilities tnrned an or off. Although Lender may take aclion under this Section 9, L,ender does nM havc to do so and is not under any duty c�r c�bligation to do so. Tt is agrced that I�ndear incurs no liability for not taking any or all actions aukhorizcd under this Section 9. Any amounts disburs�:d by I.,ender under this Section 9 shall become additional debt of Borrower secured by this Security Instrurnent. 'l�ese amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such inlerest, upon n��ticc frnm Lender to Borrower requestin,g paymcnl. If this Security Tnstrument is on a leasehold, Borrower shall comply with all lhe prcrvisinns af the lease. If Borrower acquires fee title to the Propr:rty, t1x� l�asehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgag� Insurance. If Lender required Mortgage Iz�.�urancc as a condition of making the Loan, Borrower shall pay the prc:miurns required to maintain the Mortgage TnsurancG in effect. If, for any reason, the Mortgage Tnsuranc� coverage required by Lender ceases to be available fram the mortgage insurer that previously provided such in5urance and Borrower was required to make sc�aratc;ly desigriated payrnents taward the premiums for Marlgage Insurance, Borrower shall pay the premiums r�quir�d Co obtain coverage substantially equivalent to the Mortgage Insuraanc� previously in effect, at a cost substantially equivalent to tlic c:ast to Borrower of the Mortgage Tnsurance previc�usly in effect, from an alternate mortgage insurcr sclected by Lender. Tf substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to I_endur the ampunt of the separately designated payments that weru due when the insurance coverage ccased W be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Tnsurance. Such loss reserve shall be non-refundabl�, notwithstanding the fact that the T.oan is ultimafely paid in full, and Lender shall not be required to pay 13orrower any in�erest or earnings on such loss reserve. L.ender can no longer requirc loss reserve payments if Mortgage Insurance coverage (in the amount and for the period lhat Lc:ndcr rcquires) prcrvided by an insurer selected by T,ender again bccomes available, is obtained, and L.ender requires separately designated payments toward the premiums for Mortgags Insurance. If Lender required Mortgage Insurance as a condition of making the I.oan and B��nrowcr was required to make separately designated payments toward thc premiurns for Mortgage Insurance, Borrower shall pay the prc:xniums reyuired to maintain Mortgage Insurance in effect, or to provide a non-refundable loss rGSe;rve, until Lender's requirCment for Mortgage Tnsurance ends in accordance wifh any written agreement between ]3orrower and L,ender providing for such termination or unlil lerminalion is required by Applicable Law. Nothing in this Section 10 affcc:ts F3c�rrower's obligation to pay interest at the rate provided in thc: Nat�. Morlgage Insurance reimburses Lender (or any entity that purchases lhe Note:) for certain losses it may incur if Borrower does not repay the T.oan as agreed. Borrowur is nat a party to the Mortgage Tnsurance. Mortgage insurers evalualc their tatal risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify lheir 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 agreements may requir�: thc nnc�rigage insurer to make payments using any source af funds that the mortgage insurer may have available (which may in�lude funds abtained frorn Mortgage Insurance premiums). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-61N�) �aaii� PapeBnf 15 in Form 3028 9/09