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2011Q42�9 9. Protectian of Lender's Interest in the Property and Rights CJnder this Security Instrnment. �f (a) Borrower fails to perform the covenants and agreeznents contained in this Security Instrument, (b) there is a legal proceedin� that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation ar forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then �ender may do and pay for whatever is reasonable pr appropriate to protect L,ender' s interest in the Froperty and rights under this Security Instrument, including protecting andJor assessing the value of the Property, and tiecuring andJor repairing the Property. Lender's actions can include, but are not limited tp: (a) paying any sumti secured by a lien which has priority over this Security Instrument; (b) appearin� in court; and (c) paying reasanable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured ppsition in a bankruptcy proceeding. Securing the Property inpludes, but is not limited to, entering the Property to malce repairs, change locks, replace or board up doors and windnws, drain water from pipes, eliminate buildin� or other code violations or dangerous conditions, and have utilities turned on or of£ Althou�h Lender may take action under this Section 9, Lender does not have to do so and is not under azzy duty or obligatian to do so. It is a�reed tlaat Lender 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 Sorrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice fram Lender to Borxower requesting payrnent. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If' Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless I�ender agreas to tkae merger in writing. lp. Mart�age Insurance. If Lender required Mnrtgage Insurance as a condition o£ making the Loan, Borrower shal1 pay the premiurns required to maintain the Mprtgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available frprn the mortgage insurer that previously provided such insurance and Borrpwer was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiumG required to obtain coverage substantially equivalent to Che Mortgage lnsurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previousiy in effect, from an alternate mprtgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payrnents that were due when the insurance coverage ceased to be in effect. Leander will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mnrtgage Insurance. Such lasa reserve shall be non-refuztdable, notw'rthstanding the fact that the Loan is ultimately paid in full, and Lender 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 Lender again becomes available, is obtained, and Lender requires separately designated payments toward che premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required ta make separately designated paymcnts 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 requirement for Mortgage Insuraaxce ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Martgage Insurance reimburses Lender (or aaay entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their tatal risk on all such insurance in force frorn time to time, and may enter into agreements with other parties that share or rnqdify their risk, or reduce lasses. These agreements are on terrns and conditions that are satisfactory to the martgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer tp rnake payments usin� any source of funds that the mortgage insurer may have available (which may include Funds obtained from Mortgage Insurance premiums). 231038 NEBRASKA - Single Family - Fannie MaelFreddie Mac UNIFpRM INSTRUMENT Q � � �-6(NE) �oaii� PageB of 15 inicieis:�%�/! ,(//�% Form 3028 1101 D _�_r