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201QU7879 9. Protection of Lender's Interest in the Property and Rights Under this Secarity Instrument. If (a) Borrower fails to perform the covenants and agreernents contained in this Security Instrument, (b) there is a legal proceeding ttxat might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in banl�uptcy, probate, for condemnation or forfeiture, for enforcernent of a lien which rnay attain priority over this Security Instrurnent or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender rnay do and pay for whatever is reasonable ar appropriate ta protect Lender's interest in the Property and rights under this Security Instnunent, including protecting and/or assessing the value of the Property, and secwring and/or repairing the Property. I..ender'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 attomeys' 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 Properiy includes, but is not lirnited to, entering the Property to make repairs, change locks, replace or boat'd up doors and windows, drain water from pipes, eliminate building or pther code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Sectian 9, Lender does not have to do so and is not under any duty or obligation to do sa. It is agrced that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any arnounts disbursed by Lender under this Section 9 shall become additional debt of Borrower sacured by this Security Instrument. These amounts shall bear interest at the Nate rate from the date of disbursennent and shall be payable, with such interest, upon notice from Lender to Barrawer requesting payment. If th�s Security Instrument is on a leasehold, Borrower shall comply with all the provisions of ihe lease. If Borcower acquires fee title ta the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. lp. Martgage Insurance. If Lender required Mortgage Insurance as a condition af making the Loan, Borrower shall pay the premiwns required to rnaintain the Mortgage Insurance in effect. If, for ar�y reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was requir�l to make separately designated payrnents towacd the premiw�ns for Mprtgage 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 Borrower of the Mortgage Insurance previously in effect, from an alternate rnartgage insurer selected by Lender. If substantially equivalent Mortgage Insurance cpverage is not available, Borrower shall continue to pay ta Lender the amount of the sepazately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payrnents as a non-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 I.ender shall nat 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 arnount and for the period that Lender requires) provided by an insurer selected by Lender again becornes available, is obtained, and Lender requires separately designated payments towazd the premiwns for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was requir�d to make separately designated payments toward the prerniwns for Mortgage Insurance, Borrower shall pay the premiwms required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until ternaination is required by Applicable Law. Nothing in this 5ection 10 affects Borrower's obligation to pay interest at the rate providat in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrpwer daes not repay the Loan as agrced. Borrower is not a party to the Mortgage Insurance. Martgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agre�znents with other parties that share or modify their risk, or reduce losses. These agreements are on terims and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreernents. These agreernents 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 frorn Mortgage Insurance premiums). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-61NE) 108111 Paee 8 of 15 Initials: �orm 3028 1I01 � F . � t � �I � ,� Y : , ' ♦ , : �