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2o�oos3ss 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/ar rights under this Security Instrument (such as a proceeding in bankruptcy, probate, fox condemnation or forfeiture, for enforcement of a lien which may attain priority aver this Security Instrument or Co enfarce laws ar regulations), or (c) Barrower has abandoned the Property, then T.ender may do and pay for whatever is reasonable or appropriate to protect L.ender's interest in the Property and rights under this Secu�ty Instrument, including protecting and/or assessing the value of the Property, and securing 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 attorneys' fees to protect its interest in the Property and/or righCs under this Security Instnunent, including its secured posiCion in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to znake repairs, change locks, replace or 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. Althaugh Lender may take action under this Section 9, Lender does not have to da sa and is not under any duty or abligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Seccion 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Tnstnunent. 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 requesting payment. If this Security Instrurnent 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 not merge unless I.ender agrees to the merger in writing. 10. Mortgage Insurance. If L.ender required Mortgage Insurance as a condition af making the Loan, Sorrower shall pay the prerniurns requixed to maintain the Martgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by L,Ender ceases to be available from the rnortgage insurer that previously provided such insuranr� and Borrawer was requzred to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiuuns required to obtain coverag� substantially equivalent to the MoRgage Insurance previously in effect, at a cost substantially equivalent to the cost to $orrower of the Mortgage Insurance previously in effect, frot�t an alternate rnortgage insurer setected by I.ender. If substantially equivalent Mortgage Insurance coverage is not available, Bonower 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 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 L.ender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payrnents if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selecced by I.ender again becomes available, is obtained, and Lender requires separately designated payrnents toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a candition of making the Loan and Borrower was required ta rnake separately designated payrnents toward the premiums for Mortgage Insurance, Borrower shall pay the premiurns 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 agreennent 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 provided in the Note. Mortgage Insurance reimburses �.ender (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 insuxers evaluace their tatal risk on all such insurance zn force from time to time, and rnay enter into agreements with other parties that share or modify their risk, ar reduce losses. These agreements are on terms and canditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreernents. These agreements 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 from Mortgage Insurance premiums). NEeRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-fi1NE) roa��l PageB of i5 i��s�ais: Form 3028 7/01 � �