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201oo�9ss 9. Prote�tian of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreernents contained in this S�ccurity Instrument, (b) there is a legal proceeding that mi$ht signi�cantly affect Lender's interest in the Property and/or rights under this Security Instrument (sucYa as a proceeding in banl�uptcy, probate, for condemnation or farfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enfarce laws or regulations), or (c) Borrower has abandoned the Praperty, then I.ender m�ay do and pay for whatever is reasonable or appropriate to prot�ct I.ender's interest in the Property and rights under this Security Instrument, including protecting and/ar assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can inGlude, but are not lirnited to: (a) paying any sums secured by a lien which has priority over this Security Instnunent; (b) appeazing in caurt; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Tnstrument, including its secured position in a bankruptcy procceding. Securing the Property includes, but is not limited to, encering the Property to rnake repairs; change lacks, replace ox board up doors and windows, drain water from pipes, eliminate building or 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 ta do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under tYus Section 9. Any amaunts disbuursed by Lender under this Section 9 shall becorne additional debt af Bonower secured by this S�urity Instzvment. 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 Instnunent is on a leasehold, Bo�rrower 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 rnerger in writing. 1p. Mortgage �nsur�nce. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by L.ender ceases to be available frorn the rnortgage insurer that previously provided such insurance and $orrower was required to rnake 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 cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by I.ender. If substantially equivalent Mortgage Insurance coverage is not available, Bonower shall continue to pay to Lender the amount of the separately designated payments that were due when che insurance coverage ceased to be in effect. Lender will accept, use and retain these payments 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 Lender shall not be required to pay Bonower any interest oar earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Tnsurance 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 paynnents toward the premiurns for Mortgage Insurance. If Lender requir�i Mortgage Insurance as a condition of making the Loan and Banower was require,d to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or ta provide a non-refiuidable loss reserve, until Lender's requirement for Mortgage Insuranc� ends in accordance with any written agreement between Bonower and Lender providing for such ternaination or until termination is required by Applicable I.,aw. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reirnburses Lender (or 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 rnay enter into agreements with other parties that share or modi:fy their risk, or reduce losses. These agreements are on terms and conditians that are satisfaccory to the mortgage insurer and the other pariy (or parties) to thes� agreements. 'I'hese agreements may require the mortgage insurer to make payments using any source of funds that the rnortgage insurer may have available (which may include funds abtained from Mortgage Insurance premiums). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMEIV7 �-B�NE) Iost i1 Page 8 of 16 iniciais: Y� Form 3028 7/01 � . � •'��,. Qi�'�