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20��05 /, ,� �? 9. Protection of Lender's Interest in the Property and Rights Under this Security trument If (a) Borrower fails to perform the covenants and agreements contained in this Security ent, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in banlQUptcy, probate, for condemnation or orfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to orce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay fo whatever is reasonable or appropriaie to protect Lender' s interest in the Property and rights under 's Security Instrument, including protecting and/or assessing the value of the Property, and securing an or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums sec ed by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) pa ' g reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrun t, including its secured position in a banla�uptcy proceeding. Securing the Property includes, but is n t lixnited to, entering the Property to make repairs, change locks, replace or boazd up doors and windo , drain water from pipes, eliminate building or other code violations or dangerous conditions, and have 'lities turned on or off. Although Lender may take action 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 liability for not g any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this SecCion 9 sha11 become additional debt of Bonower secured by this Security Instrument. These amounts sha11 bear interest at the Note rate fro the date of disbursement and shall be payable, with such interest, upon notice from Lender to Bono er requesting payment. . If ttus Security Instrument is on a leasehold, Bonower sha11 comply with a11 the pro isions 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 condition of ' g the Loan, Borrower sha11 pay the premiums required to ma.intain the Mortgage Insurance in effect. If, f r any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortg e insurer that previously provided such insurance and Bonower was required to make sepazately desi ed payments toward the premiums for Mortgage Insurance, Bonower sha11 pay the premiums req ' ed to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a co substanrially equivalent to the cost to Bonower of the Mortgage Insurance previously in effect, fro an altemate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance co erage is not available, Borrower sha11 continue to pay to Lender the amount of the sepazately designated ayxnents that were due when the insurance coverage ceased to be in effect. Lender will accept, use an retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss res e sha11 be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender sha11 not be required to pay Bortower 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 Lender again becomes available, is obtained, and Lender requires sepazately designated payments towazd 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, Bonower sha11 pay the premiums required to maintain Mortgage Inswance 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 Bonower and Lender providing for such termination or until termination 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 reimburses Lender (or any entity that purchases the Note) for certain losses it ma.y incur if Bonower 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 insurance in force from time to time, and may enter into agreements with other parties that shaze or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other pariy (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 funds obtained from Mortgage Insurance premiums). 2200093902 D V6ANE NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH ME�iS �-6A(NE) (osto) Pege 8 of 15 Initials: ;� ��_ Form 3028 7/07 � T'