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201048G2� 9. Protection of Lender's Interest in the Praperty and Rights Under this Security �nstrument. Tf (a) Borrower fails to perform the covenants and agreements contained in this Security Instruznent, (b) there is a legal pxoceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (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) Borrower 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 1'roperty, 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; amd (c) paying reasonable attorneys' fees to protect its interest in the Property and/ar rights under this Security Instrument, including its secured pasition in a bankruptcy proceeding. 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 oth�r code violations or dangerous conditions, and have utilities turned on or aff. 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 I.ender 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 5ecurity Instrurnent. These amounts sha11 bear interest at the Note rate fram the date of disbursement and sha11 be payable, with such interest, upon notice from Lender to Borrower requesting payrnent. If this Security Instnunent is on a leasehold, Barrawer shall comply with all the provisions of the lcase. If Bqrrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insuurance. If Lender required Mortgage Insurance as a condition of rnaking the I.,oan, Barrower 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 �nortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the prerniums for Mortgage Insurance, Borrower shall pay the premiums required to obtain caverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not a��ra�re Barrower 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-refun.dable loss reserve in lieu of Mortgage Insurance. Such loss reserve sha11 be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Barrawer any interest or earnings on such lass 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 premiums for Mortgage Insurance. If I.ender required Mortgage Insurance as a conditian of rnaking the Loan and Borrawer was required to make sepazately designated payments toward the premiums far Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or ta provide a non-refundable loss reserve, until Lender's require�nent for Martgage 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 obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Len.der (or any entity that purchases the Note) for certain losses it may incur if Barrawer does not repay the Loan as agreed. Borrower is not a party ta the Mortgage Insurance. Mortgage ins�ers evaluate their total risk on a11 such insurance in force from Cime to time, and rnay enter into agreements with oth�r parties that share or modify their risk, or reduce losses. These agreements aze an terms and conditions that are satisfactary to the mortgage insurer and the other party (or parties) co these agreements. 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 Martgage Insurance premiums). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-B�NE) loet�l Page 8 of 15 �n�t�a�s: Form 3028 1l01 r ; '. � ,.a �� .. . • .y4`