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~oioo~o~~ 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perfnrrn the covenants and 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 lttstrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for entbrcement of a lien which may attain priority over this Security Instrument ar t<~ 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 net 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 attaineys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in x bankruptcy proceeding. Securing the Property includes, but is not limited Co, 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 ar dangerous conditions, and have utilities turned an or off. Although Lender may take action under this Section 9, Lsndar 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 any or all actions authorized under this Section 9. Any amounts dishursod by Lender under this Section 9 shall become additional debt of Borrawer secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursatnatat and shill ha payable, with such interest, open notice from Lender to Harrower 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 unless Lender agrees to the merger in writing. 10. Mortgage Insnrance. If Lender required Mortgage Insurance as a condition of making the Laan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in affect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to bo available from the martgage insurer that previously provided such insurance and Borrawer was required to make separately designated payments toward the premiums far 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 east to Harrower of the Mortgage Insurance previously in effect, from an alternate martgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lander the amount of the separately designated payments that wore due when the insurance coverage ceased to be in effect. Letuier will accept, use and retain these payments as anon-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shill be non-refundable, uotwitltstanding 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 rsquire 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 separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrawer 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-refundable lass reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Harrower 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 lasses it may incur if Borrower does not repay the Loav as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in farce from time to time, and may enter into agreements with other parties that share or modify their risk, ar reduce losses. These agreements are on terms and conditions that are satisfacwry to the martgage insurer and the ether party (or parties) to these agreements. These xgreetnents may rsquire the martgagenrsurer to make payments using any source of funds that the martgage insurer may Nava available (which may include funds obtained from Mortgage Insurattee premiums). NEBRASKA -Single Family -Fannie Mss/Freddia Mac UNIFQRM INSTRUMENT -t7(NE) 10811) Page a p} }g ~niN~~~: Form 3028 7/01 w