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9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Harrower fails to perform 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/ar rights under this Security Instrument (such as a proceeding in bankruptcy, probate, far condemnation ar forfeiture, far enforcement of a lien which may attain priority aver this Security Instrument or to enforce laws ar regulations), nr (c) Harrower 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 not limited ta: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/ar rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited ta, entering the Property to make repairs, change locks, replace ar board up chars and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on ar 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 taking any ar all actions authoriz~I under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Horrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Horrower requesting payment. If this Security Instrument is an 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. Morkgage Ingurartc+e. If Lender required Mortgage Insurance as a condition of making the Lean, 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 Horrawer was required to make separately designated payments toward the premiums 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 cast to Horrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Horrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to lie 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-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall oat be required to pay Harrower any interest ar earnings on such lass reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and far tht 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 Horrower was required W make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, ar to provide anon-refundable loss reserve, until Lender's requirement far Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination nr until termination is required by Applicable Law. Nothing in this Section 1d affects Borrower's obligation to pay interest at the rate provided in the Nate. Mortgage Insurance reimburses Lender (nr any entity that purchases the Note) for certain losses it may incur if Borrower 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 share or modify their risk, or reduce lasses. These agreements are an terms and conditions that are satisfactory to the mortgage insurer and the other party (ar parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). NEBRASKA - S(ngle Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT -6lNEI loaf ii Pepe 8 of 16 in~c;eie . Form 3028 7lD1 ~~