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2oio�s�$o 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to pearfortn the cavenants and agreements contained in this Security Instruttaent, (b) there is a legal proceeding that might signi�cantly affect Lendex's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, far condemnation or forfeiture, for anforcement of a lien which may attain priority over this Security InsCnunent or to enforce laws or regulations), or (c) Barrawer has abandoned tk�e Property, then Lender may do and pay for whatever is reasonable or apprapriate to protect Lender's interest in the Property and rights under this Security Instrurnent, inctuding protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not lirnited to: (a) paying any sums secured by a lien which has priority over this Security Instnunent; (b) appearing in court; and (c) paying reasonable attorneys' fees Co pratect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceetiing. Securing the Property includes, but is not limited to, entering the �'roperty to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other cade violations or dangerous conditions, and have utilities turned on ar 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 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 Instzvrnent. These amounts shall bear interest at the Note rate fram the date of disbuxseznent and shall be payable, with such interest, upon notice frorn Lender to Barrower requesting payment. If this Security Instnunent is an a leasehold, Borrower shail comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall nat merge unless Lender agrees to the rnerger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loaxt, Borrower shall pay the premiums required to rnaintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by I,ender ceases to be available from the mortgage insurer that previously provided such insuranc� and Borrower was required to rnake separately designated payrnents toward the prerniums for Mortgage insurance, Borrower shall pay the premiums required to abtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the MoRgage Insurance previausly in effect, from an alternate mortgage insurer selected by Lender. If substantially equiva�ent Martgage Insurance coverage is not available, $orrower shall continue to pay ta I.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 Martgage Insurance. Such loss reserve shall be non-refundable, notwithsCanding the fact that the Loan is ultinnately paid in full, and Lender shall not be required to pay Batrower any interest or �arnuigs on such loss resezve. Lender can no longer require loss rese:rve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by a�n insurer selected by Lender again becotx�es available, is obtained, and I.ender requires separately designated payrnents toward the premiums far Mortgage Insurance. [f C.ender required Mortgage Insurance as a condition of making the Loan and Borrower was required ta make sepaxately designated payments toward the premiwns for Mortgage Insurance, Borrower shall pay the premiums required to maintain Martgage Insurance in effect, or to provide a non-refundable loss xeserve, until Lender's requirernent for Mortgage Tnsurance ends in accordance with any written agreement between Borrower and Lender providing for such ternunation or 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. Mortgage Insurance reirnburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agr�ed. $orrower is not a party ta the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce loss�s. These agreements are on tenns and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreernents. These agreeznenCs may require the martgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance pre;miums). NEBRASKA - Singla �amily � 6�NE) Ips��) � � Fannie Mae/Freddie Mac UNIFaRM INSTRUMENT Page 8 of 15 Initials: Form 302$ 1/01 a � ^� 3 � � 1 y A. �. . ; r .' '', i