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20i1032�� 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Bonower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affe,ct Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Bonower 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 protecting and/or assessing the value of the Property, and securing and/or repaining 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' f�s to protect its interest in the Property and/or rights under tbis Security Instrument, including its s�ured 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 daors and windows, drain water from pipes, eliminate building or other code violations or dangerous condirions, and have utilities turned on or off. Although Lender may take action under this Secrion 9, Lender daes not 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 or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Se,crion 9 shall become �ditional 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 norice from I,ender to Borrower requesting payment. . If tYus Security Instrument is on a leasehold, Borrower shall comply with all the pmvisions of the lease. If Borrower acquires fee ritle to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insarance. If Lender reqnired Mortgage Insurance as a eo�dition of maldng the L,oan, Borrower sliall gay t�se gremiums required to maintain the Mortgage Insnsauce in effect. If, for any reason, the Mortga�e In��ranee c:overage require� �iy Lender ceases to be avai�able from the mortgage insurer that previously provic�ed se�e�e ins�xrance and �orrower was required to make separately designated payments towarc3 the gre�u�s f�r Mortgage Ins�ran�e, Borrower shall pay �he preiniums required to ohtain coverage substau�iatFy ec�rrivaie�t to the Mortgage Insurance previously in effect, at a cost substantially equivatent to the cost to Bo�rrrower of the Mortgage Insurance previausly in effect, from an alternate mortgage insnrer seleeted by Lender. If s�bstantially equivalent Mortgage Insurance coverage is not available, Borrovrer sfiali continue to pay to Lender the amount of the separately designated payments that were due vvhen the iasura�e coverage ceased to be in effe�t. Lender wili accept, use and retain these paymerns as ��a-refundaMe Ioss reserve in Iieu of Mortgage Irtsurance. Such loss reserve shall be non-refundable, notwiohstanding the fact that the Laan is ulrimately gaid in full, and Lender shall not Ue required to pay Borrower any interest or eamings on such loss reserve. Lencler can no longer require loss reserve paymants 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 ohtaiued, and Lender requ.ires separately designated payments toward the premiums for Mortgage insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Bonower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refunda6le loss reserve, unril Lender's requirement for Mortgage Insurance ends in accordance witb any written agre.ement between Borrower and L�nder providing for such ternunarion or until ternunarion is required by Applicable Law. Nothing in this Section 10 affects Bonower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimbwrses 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 i.nsurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and condirions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have a�ailable (which may include funds obtained from Mortgage Insurance premiums). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUME�VT �-6(NE) (0811) Page 8 of 15 �nitials: Form 3028 1/07 � i� �,