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100025440004064371 0041039496 2~10~7238 9. Protection of Lender's Interest in the Property and Rights Under this Security Iastrumentr If (a) $orrower 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/or rights under this Security Instrument (such as a proceeding in banluuptey, probate, for condemnation or forfeiture, for enforcement of a lien 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 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 exclude, but are not 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 attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a banlmxptcy proceeding. Securing the Property includes, but is not )united to, entering the Property to wake repairs, change locks, replace or board up doors and windows, dxain water from pipes, eliminate building ar other code violations 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 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 disbuxsed by lender undex this Section 9 shall become additional debt of Borrower 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 Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If $orrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger iux writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, $orrower shall pay the premiums xequired to maintain the Mortgage Insurance in effect. If, for any xeason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to wake separately designated payments toward the premiums for Mortgage Insurance, $orrower 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 $vrrower of the Mortgage Insurance previously in effect, from an alternate mortgage insuxer 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 tv be in effect. Lender will accept, use and xetain 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 not be required to pay $orrower any interest or earnings an such loss reserve. 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 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 towaxd the premiums for Mortgage Insuxance, $oxxower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide anon-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing far such termination or until termination is required by Applicable Law. Nothing fux this Section 10 affects $orrower's obligation to pay interest at the rate pxovided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incux if Harrower does not repay the Loan as agreed. $orrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk an 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 on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurex may have available (which may include funds obtained from Mortgage Insurance premiums). NEBRASKA -Single Family -Fannie Mae/Fraddle Mac UNIFORM INSTRUMENT MEF~S -6A(NE) ~osio~ Page8oT15 Inltlals: ~j FPrR18028 1/01 " /