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201i00375 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrawer fails to perform the covenants and agreements cantained in this Security Instrument, (b) there is• a legal praceeding that might significantly affect L.ender's interest in the Property and/or righCS under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcernent of a lien which rnay attain priority over this Security Instrument or to enforce laws or regulatians), or (c) Borrower has abandoned the Property, then Lender rnay do and pay for whatever is reasonable or appropriate to protect I.ender's interest in the Praperty 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 actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrurnent; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrurnent, 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 board up doors and windows, drain water from pipes, eliminate building or other code violations or dangeraus conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, L.ender does nat have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any ar all actions autharized 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 from the date of disbursement and shall be payable, with such interest, upon notice from T...ender to Barrower requesting payment. If this Security Tnstrument is on a leasehold, Borrower shall camply with all the provisions of the lease. Tf Borrower acquires fee title to the Property, the leasehald and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If L,Qnder required Mortgage Insurance as a candition of making the Loan, Borrower shall pay the premiurns required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available frorn the mortgage insurer that previously pravided 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 of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance caverage is nat available, Borrower shall continue ta pay to Lender the arnount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultirnately paid in full, and Lender sha11 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 payrnents toward the premiurns for Mortgage Insurance. IF L,ender required Martgage Insurance as a condition af making the Loan and Borrower was required to make separately designated payrnents toward the prerniums for Mortgage Insurance, Borrawer shall pay the premiums required to rnaintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until L.ender's requireraent for Mortgage Insurance ends in accardance with any written agreement between Borrower and Lender providing for such termination or until tez�mination is required by Applicable Law. Nothing in this Section 10 affects Borrawer'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. $orrower is not a party to the Mortgage Insurance. Mortgage insurers evaluatc their tatal risk on all such insurance in force frorn tirne to time, and rnay enter into agreements with other parties that share or rnodify their risk, or reduce losses. These agreernents 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 af funds that the mortgage insurer may have available (which rnay include funds obtained from Mortgage Insurance premiums). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-B�NE) �osii� Page8of 75 i��t�ais: �L Form 3028 9/09 � ��v�