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2oosossoi 9. Protection of Lender's Interest in the Property and Rights Uudcr this Security Iustrument. Tf (a) Borrower fails to perfarnx the covenants and agreements contained in this Security In.strtunent, (b) there is a legal proceeding that might significantly affect Lender's interest in the Pmpcrty a.nd/ot rights under this Security Instnument (such as a proceeding izx bankruptcy, probate, for condemnation or fo.rfeitttre, far enforcement of a lien which may attain priority over this Security Instrumenn( ur to enforce laws or regulations), or (c) Borrower has abandoned the Properly, then Lender may do anc! pay for, whatever is reasonable or appropriate to protect Lender"s interest ir) 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 aay sums secured by a lien which has priority over this Sectuity Instrument; (b) al7pearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/ot rights tuxder this Security Instrument, including its secured position in a barxktuptcy proceeding. Securing the Property includes, but is not lirxiited to, entering the Property to make repairs, change lpcks, replace or board ttp doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, anal have utilities ttuned on or off. Althottgh Lender may take action trader 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 incuxs no liability tier not taking any or all actions authorized under this Section 9- Any amounts disbursed by Lender under this Section 9 shall become aclclitl<znal debt oi• Borrower secured by this Security hxstxtuxxent. These amotmts shall hcv' interest at the Nolc rate ltonx the date of disbursement and shall be payable, with such interest, upon notice from Leradcr to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge tmless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition oP rnakrng the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insturance in cl~fect. If, for any reason, the Mortgage Instuance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the pxemituns for Mortgage Insurance, Borrower shall. pay the premiums .requited to obtain coverage substantially equivalent to the Mortgage Instuancc previously in e1•Iccl, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previousl~~ in effect, from. an alternate mortgage insurer selected by Lender. If substantially cquivalen.( Mortgage Irsurance coverage is not available, Borxowex shall continue to pay to Lender the amounC of the separately clcsignated 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-refimdable, notwithstanding the fact that the Loan is uhitnately 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 coverage (in the amotuxt and fox the period that Lender requires) provided by an insurer selected by Lender again beconxcs available, is obtained, a:nd Lender requires separately designated payments toward the premituns for Mortgage Tnstrrance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required Lo cnalce separately designated payments toward the prernitnns for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide ~c non-tel'undablc loss reserve, until Lender's requirement for Mortgage Insurance erxds in accordance with. any written agreemcn( between Borrower and Lender providing for such termination or until termination is required by l~pplicahlc l.aw. Not.hin.g in ibis Section 10 affects Borrower's obligation to pay interest at the rate provided in (he Note. Margage Insurance reimburses Lender (or any eni.ity (lxat purchases the Nole) lot certaitx losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Instu~ance. 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 share or moclily their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the rnortguge insurer and the other party (ot parties) to these agreements. These agreements may require th.e rnor(gage insurer to make payments using any source o£ fuixds that the mortgage insurer may have available (which. may include 1'uncls obtained from Mortgage Insurance premiums). NEBRASKA- Single Family -FannieMaelFreddie Mac UNIFOt2M INSTRUMENT -ti(Ntw) (0811) Page8of15 hiitials: ~ Form 3028 ~/01