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20i�0�845 9. Protectian af Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreernents contained in this Securiry Instrument, (b) there is a legal procceding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceetling in bankruptcy, probate, for condernnation ar forfeiCure, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), oz' (c) Barrower has abandoned the Property, then L.ender may do and pay for whatever is reasonable or appropriate to protect �,ender's interest in the Froperty and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actians can include, but aze not limited ta: (a) paying any sums secured by a lie;n which has priarity over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in Che Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Praperty includes, but is not limited to, entering the Property to rnake repairs, change lacks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations ar dangerous conditions, and have utilities tutrted an or off. Although L.ender may take action under this 5ection 9, Lender does not have to da so and is not under any duty or abligation ta do so. Ic is agreed that I,ender 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 become additional debt of Borrower secured by this Security Instrument. These amaunts shall bear interest at the Note rate frorn the date of disbursement and shall be payable, with such interest, upon notice from Lender to $arrower requesting paynnent. If this Security Instnunent is on a leasehold, Borrower shall comply with all the provisions of the lease. If Bonower acquires fee title to the Property, the leasehold and tlxe fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Inse�rance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower sha11 pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insuxarn� coverage required by I..ender ceases to be avaalable from the mortgage insurer that previausly provided such insurance and Borrower was required to make 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 Borrower af the Mortgage Insurance previausly in effect, from an alternate mortgage insurer select�i by Lender. If substantially equivalent Mortgage Insuarance coverage is not available, $orrawer 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. I.ender will accept, use and retain thes� payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the I.oan is ultirnately paid in fiill, and L.ender shall not be required to pay Borrower any interest 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 Lender requires) provided by an insurer selected by I.ender again becomes available, is obtained, and Lender requires separately designated payments toward the premiwns for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to malce separately designated payments towazd the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Martgage Insurance in effect, ar to provide a non-refundable loss reserve, until Lender's requirernent for Mortgage Insurance ends in accordance with any written agreernent between Borrower and I.ender providing for such ternunation or until ternunation is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reirnburses Lender (or any entity that purchases the Note) �ox certain losses it may incur if $orrower does not repay the L.oan as agreed. Borrawer 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 rnodify 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) ta these agreements. These agreements may require the mortgage insurer to make payments using any source of Funds that the mortgage insurer may have available (which rnay include funds obtained from Mortgage Insurance prerniurns). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTFtUM�NT �-6�N�► las� �1 page 8 af 15 i��s�ais: Form 3028 1/09 � �;� � C' ;R y � �: �,1)