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20 1100460 9. Protection of Londer's Interest in the Property aad Rights Under this Security Instrument. If (a) Borrower fails to perfarm the covenants and agreements contalned in this Security Tnstrument, (b) there is a legal proceeding that might signif�cantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, far condemnation or forfeiture, for enforcement pf a lien which may attain priority aver this 5ecurity Instrument or to enforce laws ar regulations) , or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasanaple or appropriate to protect Lender's interest in the Property 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, hut are not limited to: (a) paying any sums secured by a lien which has priority over this 5ecurity Instrument; (b) appearing in coart; and (c) paying reasona6le attorneys' fees to protect its interest in the Property and/ar rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Propecty lncludes, Uut is not limited to, entering the Praperty to make repairs, change locks, replace or board up doors and windaws, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned nn or aff. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or abligation to do so. It is agreed that Lender incurs no liability for nat 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 [his Security Instrument. These amounts shall bear interest at the Nate rate from the date of disbursement and shall be payable, with such interest, upon nqtice from Lender to Borrower requesiing payment. . If th�s Secucity Instrument is on a leasehold, Borrower shall comply with all the provisians of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a candition of making the �,oan, Borrower shall pay the premiums required to maintain the Martgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available fram the mortgage insurer that previously provided such insurance and Bnrrawer 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 cast substantially equivalent to the cost to Borrower nf the Mortgage Insurance previnusly in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Martgage Insurance coverage is not available, $orrower 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. Lender will accept, use and retain these payments as a non-refundable lnss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and T�ender shall nat be required to pay Barrower any interest ar earnings on such loss reserve. I.ender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and far the period that Lender requires) provided by an insurer selected by Lender again hecomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition af making the Loan and Bnrr�wer was required to make separately designated payments toward the premiums far Mortgage Insurance, Borrawer shall pay the premiums required to maintain Mortgage Insurance in effect, or to prnvide a non-refundable lass reserve, until Lender's requirement for Mortgage Insurance 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. Mortgage Insurance reimburses Lender (nr any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Laan as agreed. Borrower is nat 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 ather pariies that share or modify their risk, or reduce losses. These agreements are on terms and conditians that are satisfactory to the mortgage insurer and the other party (ar parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the martgage insurer may have available (which may include funds obtalned from Martgage Insurance premiums). 001122305971 CitiMartgage 3,2.43.08 V4 NEBRASKA - Singie �amily - Fannie Mae/Freddie Mac UNIFORM INSTRUMB�IT WITF� �$A(Nq (o81D) Paga s or �5 �nitis�s: FOR71 3028 1101 y� s �