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2o�ioo2s5 9. Protection af Lender's Interest in the Froperty and Rights Under this Security Instrument. If (a) �orrower fails to perform the covenants and a�reements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property andJor rights under thia Security Instrument (such as a proceeding in bankruptcy, probate, fpr condemnation or 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 Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including prntecting and/or assessing the value of the Property, and securing and/or repairing the Froperty. Lender's actions 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 Property and/or 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 baard up doors and windows, drain water frorn pipes, eliminate building or other code violations or dangerous conditions, and have utilitieti turned. on or off. Although Lender rnay take action under this Section 9, Lender does not have to do so and is not under any duty or obligatzon to do so. It is agreed that Lender incurs no liability for not takin� 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 amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requeating payment. If this Security Instrument is on a leasehold, Bo� 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 mer�e unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition o£ making the Loan, Borrower shall pay the prexniums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the rr�ortgage insurer that previously provided such insurance and Borrower was required to make separately desi�nated payments toward the premiums far Mortgage Insurance, Borrower shall pay the premiums required to obtain cav�rage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Martgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance caverage is not available, Borrower shall cantinue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender wiil accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, anotwithstanding 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 T�ender requires separately designated payaments toward the premiums for Mortga�e Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to xnake separately designated payznents toward the premiums for Mortgage Insurazace, 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 Insurance ends in accordance with any written agreement between Borrawer and Lender providing for such terminatian or until termination is required by Applicable Law. Nothing in this Section 10 affects �arrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any 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 total risk on all such insurance in force from time to time, and ma.y 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 mort�age insurer and the other party (or parties) to these agreements. These agreements may require the rnartgage insurer to make payments using any snurce of funds that the rnortgage insurer may have available (which may include Funds obtained from Mortgage Insurance premiums). 231039 NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6(NE) (D811) Page 8 of 15 Initials: � Fprm 3028 1/07 �