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2ooso4ios 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants anal agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security InstrLimcnt (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lice 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 Properly and rights under this Security Instnument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but ate not limited ta: (a) paying any sums secured by a lien which has priority over this Security Instnnnent; (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 hankniptcy proceeding. Securing the Property includes, but is not limited lo, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violationG or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not Linder 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 disbLLrsed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instnnnent. These amounts shall bear interest at the Nate rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payLnent. If this SecLUity Instnunent is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to I.he Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. l0. Mortgage Insurance. 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 requited by Lender ceases to he available from the mortgage insurer that previously provided such insLUancc and Borrower was required to make separately designated payments toward the preminns for Mortgage Insurance, Borrower shall pay the premiums 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, $orrower 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. Lender will accept, use and retain these payments as anon-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refindable, notwithstanding the fact that the Lawn is ultimately paid in fLill, 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 Intiurancc 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 separately 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 designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide anon-refindable loss reserve, Lentil 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 this Section 10 affects Borrower'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 may incLrr if Borrower does oat repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance_ Mortgage insLirers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other patties that share of modify their risk, of reduce losses. These agreements arc on tcnns and conditions that ate satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agrecrnents may require the mortgage insurer to make payments using any source of fiends that the mortgage insLLrer may have available (which may include funds obtained from Mortgage InsLU•ance pterniLUns). NEBRASKA- Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT -e(NE) (oar ~ i Page B of 15 initials. Form 3028 1101 ~a~