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2o1oos5�3 9. Protection 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 Security Instrument, (b) there is a legal proceeding that might signi�cantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condernnation or forfeiture, for enforcement of a lien which may attain priority over tt�is Security Instrument or to enfarce laws or regulations), or (c) Borrower has abandoned the Property, then Lender m.ay do and pay for whatever is reasanable pr appropriate to pratect I.ender's interest in the Froperty and rights under this Security Instrument, including protecting and/or assessing the value af the Property, 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 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 pasition in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repaars, change locks, replace or board up doors and windovvs, drain water from pipes, eliminate building or other code violations or dangerous conditions, and ha�e 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 to do so. It is agreed that Lender incurs no liability for not taking any or a�l 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 interest, upon notice from I.ender to Borrower requesting payment. _ If this Securicy Instrument is on a leasehold, Borrower sha11 comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehald and the fee title shall nat merge unless Lender agrees to the merger in writing. 10. Mortgage Tnsurance. If Lender required Mortgage Insurance as a candition of rnaking the Loan, Borrower shall pay the premiums required to maintain che Mortgage Insurance in effect. If, for any reasan, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make 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 cast substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, frozn an alternate mprtgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amounc 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 Loan is ultimately paid in full, and I..ender shall nat be required to pay Borrower any interest ar earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the prerniums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the I�oan and Borrower was required ta make separately designated payrnents towazd the premiums for Mortgage Insurance, Borrower sha�l pay the premiums required ta 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 or uncil tennnination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the raCe 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. M�rtgage insurers evaluate their total risk on all such insurance in force frorn time to time, and may enter into agreements with other parties that share or modify their risk, ar reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the martgage insurer to rnake payments using any source of funds that the mortgage insurer rnay have available (which may include funds abtained fram Mortgage Insurance premiurns). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMEN' �-6�NE) loet t 1 Page 8 of 15 I Form 3028 1l07