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201103269 9. Protection of Lender's Interest in the Property and Rights Under tlris Security Instrument If (a) Borrower faiLs to petform the covenants and agreements contained in. this Security Instrument, (b) there is a legal pmceeding that might significantly affect Lender's interest in the Properiy and/or rights under this Security Instnunent (such as a pmceeding in bankntptcy, 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) 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 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 Insiaument, including its secured position in a bankruptcy proceeding. Securing the Properly 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 dangerous conditions, and l�ave utilities turned on or off. Although Lender may take action under this Secrion 9, Lender does not have to do so and is not under any duty or obligarion to do so. It is agreed that Lender incurs no liability for not taking any or all acrions authorized uader this Section 9. Any amouats disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security In.�trument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon norice from Lender to Bonower requesting payment. If this Security Instrument is on a leasehold, Bonower shall comply with all the provisions of the le,ase. If Bonower 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 Insurance. If Lender required Mortgage Insurance as a condirion of malang the Loan, Borrower shall pay the premiums 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 mortgage insurer that previously provided such insurance and Bortower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substanrially equivalent to the Mortgage Insuiance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, &om an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance covernge is not available, Sorrower shall continue to pay to Lender the amount of the separately designated payments that were due when the �nc„rance 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 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 covetage (in the amount and for the petiod that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Inaurance as a condition of making the Loan and Boaower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insusance 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 Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in thie Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimbutses Lender (or any entity that purchases the Note) for certain losses it may incur if Bonower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insuta.nce. Mortgage insurers evaluate their total risk on all such in�r�nce 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 condiYions that are satisfactory to the mortgage insuter 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 ma.y have available (which may include fuads obtained from Mortgage Insutance premiums). NEBRASKA- Single Family - Fannl� MaeiFreddle Mac UNIFORM INSTRUMENT �$�E} (0811) Pega 6 of 15 Inidals: FOI'M �� 7/01