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2�11Q0482 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Botxower fails to perform the covenants and agr�ements contained in this Security Instrument, (b) there is a legal proceeding that might signi�cantly affect Lender's interest in the Property and/or rights under this Security Instzvment (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which rnay attain priority over this Security Instnunent 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 L.ender's interest in the Property and rights under this Security Instnunent, 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 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 ta make repairs, change locks, replace or board up doors and windows, drain water frorn pipes, eliminate building or other code violations or dangerous canditions, and have utilities turned on or off. Although Lender rnay take actian under this 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 incurs no liabil►ty for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall becoztze additional debt af Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursemenC and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If t�is Security Instrument is on a leasehold, Borrower shall camply with all the provisions of the l�ase. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless L.ender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the �.oan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lend�r ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separat�ly designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiurns 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 coverage is not available, Borrower 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. L.ender will accept, use and retain these payments as a nnn-refundable loss reserve in lieu af Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding 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. I.,ender can no longer require lass reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requixes) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designaced payments toward the premiums for Martgage Insurance. If I.ender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, $orrower shall pay the prerniums required ta nnaintain Mortgage Tnsurance in effect, or to pravide a non-refundable loss reserve, until Lender's requirez�:ent for Mortgage Inswrance ends in accordance with any written agreement between Borrower and Lender providing for such ternunation or until ternunation is required by Applicable Law. Nothing in this Section 1� affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Tnsurance reimburses I.ender (or any entity that purchases the Note) for certain losses it nnay incur if Borrower does not repay the I..oan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from tirne to time, and may enter into agreements with other parties that share or madify their risk, or reduce losses. lfiese agreements are an terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreernents may require the rnortgage insurer to znake payments using any source of funds that the mortgage insurer may have available (which may include funds abtained fram Mortgage Insurance premiums). �� NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFQRM INSTRUMENT � �-6�N�) (0811) Page 8 of 15 inic�ais• Form 3028 1/�1 �