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2oioos474 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 rnight significantly affect Lender's interest in the Property and/or rights under this Secur�ty Instrument (such as a proce�ding in banl�uptcy, probate, for condernnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to pratect I.ender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Praperty, and securing and/or repairing the PropeRy. Lender'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 rights under this Security Instrument, including its secured position in a banl�uptcy 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 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 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 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 disbursement and shall be payable, with such intcrest, upon natice from I.ender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower sha11 comply with all the provisions of the lease. If Borrower acquires fee citle co the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making che I..oan, Borrower sha11 pay the premiums required to maintain the Mortgage Tnsurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the martgage insurer that previously prpvided such insurance and Borrawer was required to rnake separately designated payments towaard 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 af the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equiva�enc Mortgage Insurance caverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payr�nents that were due when t.�.e insurance coverage ceased to be in effect. I,ender will accept, use and retain these paymencs as a non-re�un.dable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be nan-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and I.,ender sha11 not be required to pay Barrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in tl�e amount and for the period that Lender requires) provided by an insurer selected by Lender agaan becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of makiuig the I,oan and Borrower was required to make separately designated payrnents toward the premiurns for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mprtgage Tnsurance 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 termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligatian tp pay interest at the rate provided in the Note. Martgage Insurance reimburses Lender (or any entity that purchases the Note) for certaan losses it zn.ay incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate tt�.eir total risk an all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreernents are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) ta these agreements. These agree�nents may requirc ihe martgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained fram Mortgage Insurance prenniums). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFpRM INSTRUMENT �-B(NE) (os111 paae s ot i 5 i��t�a : Porm 3028 1/01 � � • � 'i � � � »