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20110�948 9. Protection of Lender's Interest in the Property and Rights Under thie 5ecnrity Tnstramen� If (a) Borrower fails to perform the covenauts and agreements containe� in this Security Instii�ment, (b) there is a legal proceeding that might significanfly aff�t Lender's interest in the Property and/or righLc under ttus Security Instrument (such as a procee�ing in bankruptcy, probate, for condemnation or farfeiture, for enforc;eme�nt of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Bonower has abandoned the Properiy, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Seciuity Instrument, including protect►ng 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 se,cured by a lien which has priority over this Security Instrument; (b) aPPearing in court; and (c) PaY�S r�s�nable attomeys' fees to protect its interest in the Properiy and/or rights under this Se�mty Instrument, including its secured position in a banla�uptcy proceeding. Securing the Property 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 have utilities turned on or off. Although Lender may take action under this Se�tion 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 taking aay or all actions authorized under this Sec:tion 9. Any amounts disbursed by Lender under this S�tion 9 sball be�ome additional debt of Boaower secured by ttris Security Instrumen� These amounts shall bear interest at the Note rate from the date of disbursement and sha11 be payable, with such interest, upon notice from Lender to Borrower re�uesking pa �I�f this Security Inshvment is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires f� tifle to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Inanrance. If Lender required Mortgage Insurance as a condition of making 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 Bonower was requirefl to make separately designate� payments toward the premiums for Mortgage Insurance, Bonower sha11 pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effe�t, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effe�t, from an alternate mortgage insurer selected by Lender. If substantially e�uivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designateri payments that were due when the insurance coverage cease� 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 sball be non-refundable, notwithstanding the fact that the Loan is ultimately paid in fiill, and Lender shall not be required to pay Bonower any interest or earnings on such loss r�e. 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 sele�ted by Lender again bei:omes available, is obtained, and Lender re�uires sepazately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately d�signatefl payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums re,quired to maintain Mortgage Ins�u�ance in effect, or to provide a non refimdable 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 re�uired by Applicable Law. Nott�ing in this Section 10 affects Borrower' s obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity thai purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Bonower 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 pazties that share or modify their risk, or reduce losses. These agreements are on terms and condirions that aze satisfactory to the mortgage insurer and the other parly (or pazti�) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds thai the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). 2200196725 D V6ANE NEBRASKA - Single Family - Fannle Mae/Freddle Mac UNIFORM INSTRUMBVT WiT��iS_ — �$A�I�E� (OB70) Pege B of 15 InWels: ��, Form 3028 1f01 0