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2Q1Q08335 9. Protection of Lendea�'s Tnterest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements cantained in this Security Instrument, (b) there is a legal proceeding that might significantly affect I.,ender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, 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 Property, then Lender rnay do and pay for whatever is reasonable or apprapriate to protect Lender's interest in the Praperty and rights under this Security Instrwnent, including protecting and/or assessing the value o� the Prop�rty, and securing and/or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this SecuriCy Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the P�roperty and/or 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 or board up doors and windows, drain water fram pipes, eliminate building or other code violations or daangeraus conditions, and have utilities turned on or off. Although I.ender may take action under this Section 9, Lender does nat have to do so and is not under any duty or obligation ta do so. It is agreed that Lender incurs no liabilicy far not taking 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 interest at the Note rate from the date of disbursernent and shall be payable, with such interest, upon notice from Lender to Borrower requescing payrnent. If this Security Tnstrument is on a leasehold, Borrower sha11 comply with all the provisions of the lease. If Barrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees co the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insuraalce as a candition of making the Loan, Borrower shall pay the premium.s xequired ta maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available frorn the mortgage insurer that previously provided such insurance and Borrower 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 ta Bonawer of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance caverage is not available, Borrower shall continue to pay to L.ender 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 in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the L,oan is ultimately paid in fuli, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer requir� loss reserve payments if Mortgage Insurance caverage (in the arnount and for the period that Lender requires) provided by an insurer selected by I.ender again becornes available, is obtain.ed, 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 payrnents towazd the premiums for Mortgage Insurance, Borrower shall pay che premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until L,ender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination ar until ternunation is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Martgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does npt repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate cheir total risk on all such insurance in force from time to time, and may enter into agr�ements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are sacisfactary 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 insurer rnay have available (which may include funds obtained frorn Mortgage Insurance premiums). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMEN7 �-B�NE) 1o8t t1 Pege 8 of 15 initiais: Form 3028 �/Q� � v V ' ��lJ V � � i ,,� ;,� ��