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�oioo�szs 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenant�s and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Praperty and/or rights under this Security Instrument (such as a proceeding in bankxuptcy, probate, for condemnation or forfeiture, for enforcement af 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/pr assessing the value of the Property, and securing and/or repairing the Praparty. Lend�r' s actions can include, 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 bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Prvperty to make repairs, change locks, replace or baard up doors and windows, drain water from pipes, elirninate building or other code violations or dangerous conditions, and have utilities turned on or of£ Although Lender may take action under this 5ection 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 talcing any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear inter�st at the Note rate from the date of disbursement and shall be payable, with such interest, upan notice from Lender to Bonrower requesting pa �If this Security lnstrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Praperty, the leasehold and the fee title shall not merge unless Lender agrees ta the rnerger in writing. 10. Mortgage Insurance. Tf Lender required Mortgage Insurance as a condition of malcin� the Loan, Borrower shall pay the premiums required ta 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 Borrower was required to make separatsly 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 cost to Bozrower of the Mortgage Insurance previously in effact, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage lnsurance caverage is not available, Borrower 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 a non-refundable loss reserve ian lieu of Mprtgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lendet shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Martgage Insurance coverage (in the amount and for the pariod 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 Sorrawer was required to xnake separately designated payments toward che premiums for Mortgage Iansurance, Barrower shall pay the pretniums required to maintain Mortgage Insurance in effect, or to provide a non-refundable lass reserve, until Lender' s requirement for Mortgage Insurance ends in accardance 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 providad in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower doas not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on a11 such insurance in force from time to time, and naay enter into agreements with other parties that shaare or modify their risk, or reduce losses. These agreernaents are on terms and conditions that are satisfactory to the mortgage insurer and the other pazty (or parties) to these agreements. These agreements rnay require the mortgage insurer to xnake payments using any source of funds that the mortgage insurer may have available (which may include funds abtained fi Mortgage Insurance premiums). 230929 NEBRASKA - Single Family - Fannie M aelFreddie M ac UNIFORM INSTRUM ENT �-B�NE) (0811) Page 8 of 15 m�� Form 3028 1101