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201U09865 9, Protection af Lender's Interest in the Property and Rights Under this Security Instrument. 1f (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal prnceeding tliat might signifcantly affect Lender's interest in tlie Property and/or rigMs under this Security Instnunent (such as a proceeding in bankniptcy, prntyate, for condemnation or forfeiture, for enforceytieni of a lien which may attain priority over d�is Security Instnirnent or ta enforce laws or regulatio�►s) , or (c) Borrower }►as abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in die Property and rights under tliis 5ecurity Instrument, including protecting and/or assessing the value of the Property, aud securing a�►d/or repairing die Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instnunent; (b) appearing in court; and {c) paying reasonable attorneys' fees to protect its interest in the Property and/or riglits under this Security Instrument, incWding its secured position in a bankn�ptcy proceeding. Securing the Property includes, b�it is i►ot limited to, entering We Property to it►ake repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take acUon under diis 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 inciu�s no liability for not taking any or all aclions audiorized under this Section 9. Any apxo��nis disbursed by Lender under d►is Section 9 shall be�ome additional debt of Borrower secured by dixs Ser.urity Instcument. These amounts shall 6ear Interest at tl►e Note rate from the date of disbursement aud shall be payable, wid� such interest, upon notice from Lender to Borrower requesting payment. If this 5er.urity Instnur�ent is on a leasehold, Borrower shall comply with all the provisions of tl►e lease. If Borrower acquires fee tide to die Property, the leasehold ancl die fee tide shall not merge unless Lender agrees to the merger in writing. 10. Mortga�e Insurance. If Lender required Mortgage Insurance as a condition of craaking the Loan, Borrower shall pay d►e preir►iun�s required to mainiain die Mortgage L►surance in effect. If, for any reason, die Mortgage Insurance coverage reqlrired Uy Le�►der ceases to be available from the mortgage insurer d�at previously provided sucl► insurance and Borrower was required to ivake separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums �required to obtain coverage substantially equivalent to We Mortgage Insurance previously in effect, at a cost subsiantially equivalent to tlie cost to Borrower of the Martgage Insurance previausly in effect, from a�► alternate mortgage insurer selected by Lender. If suUstantially equivalent Mnrtgage Insurance coverage is nat available, Borrower shall cnntinue to pay to Lender the amount of the separately designated payments d�at were diie wher► U►e insurance coverage ceased ta be in effect. Lender will accept, use azid retain these payments as a non-refimdable loss reserve in lieu of Mortgage Insivance. Suel� loss reserve st►all ue non-refundable, notwithstanding the fact that the Loan is ultimately paid in f�ill, a►►d Lender shall not be required to pay Bonower any interest or earnings on srrch loss reserve. Lender can no langer require loss reserve payments if Mortgage Tnsurance coverage (in the amount and for the period that Lender reqiiires) provided by an insurer selected by Lender again becomes available, is obtained, and Len�ler requires separately designatecl payments toward the premiums for Mortgage Insurance. If Lender required Mnrtgage Insurance as a condition of making the Loan and Borrower was required to ttiake separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurattce in effect, or tv provide a non-refundable loss reserve, until Lender's requirement for Mortgage Tnsurance ends in accordar►ce witl► any writteri agreement between Burrower ar►d Lender �roviding for such tertnination or until termination Is required by Applicable Law. Nothing in this 5ection 10 affects Borrower's obligation to pay interest at We rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may inair if Barrower does not repay the Loan as agreed. Borrower is not a party to die Mortgage Insiu�ance . Mortgage insurers evaluate their total risk on all such insurance in force from time to tinne, 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 (vr parties) to diese agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (wtuch may include fimds obtained from Mortgage Insurance premiwns). 001122308972 [OQ1122308972] N RASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH � A(NEJ (osto) Pa9e e o1 t5 �n¢iais: �� F01'l11 3028 1/01