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201��8343 9. Protection of Lender's Interest in the Property and Rights Under this Secarity Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) chere is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights w�,der this 5ecurity Tnstrument (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 enforce laws or regulations), or (c) Bonrower 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 include, but are not limited to: (a) paying any surns secured by a lien which has priority over this Security Tnstrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect iCs 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 Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building ar other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take actian under this Section 9, Lender does not have to do sa 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 disbursed by L,ender 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 disbursement and shall be payable, with such interest, upon notice from �,ender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall nat rnerge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition af 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 Lender ceases to be available from the mortgage insuxer that previausly pravided such insurance and Borrower was required to make separately designated payrnents toward the prsminms for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurauce previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurcr selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to I..ender the arnount of the separately designated payments that were du� when the insurance coverage ceased to be in effect. L.ender 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 L,Qnder shall not be required ta pay Barrower any interest or earnings on such loss rese�rve. I.ender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that I.endar requires) provided by an insur�r selected by I.ender again becornes available, is obtadned, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If L.�nder required Martgage Insurance as a condition of making the Loan and Barrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss res�rve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreernent between Borrower and L.ender 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 provided in the Note. Mortgage Insurance reimburses 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 farce frorn time to tirne, and may enter into agreements with other parties that share or modify their risk, or r�duce losses. These agreements are on terms and conditions that are satisfactory ta the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to malce payments using any source of funds that the martgage insurer rnay have available (which may include funds obtained from Mortgage Insurance premiums). NEBRASKA - 5ingle Family - Fannie Mae/Freddie Mpc IINIFORM INSTRUMENT �` �-6�NE) 108 � � I Page B of 15 Initlsis: �� / r FOrm $029 1/Ol �, W e.x ' , _ �.� ,:'; ri