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201008852 9. Protection of Lender's �nterest 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 signi�cantly af�ect Lender's interest in the Praperty and/or rights under this Security Instrument (such as a proceed'zng in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which rnay attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lendet' may do and pay for whatever is reasonable or appropriate to protect L.ender's intarest in the Property and rights under this Security Instrument, including pratecting 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 caurt; and (c) paying reasonable attorneys' fees to protect its interest in the Praperty and/or rights under this Secu;rity InsCrument, including its secured position in a bankruptcy 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 fram pipes, eliminate building or ather code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this $ection 9, Lender does not have to do so and is not under any duty or abligation ta 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 Security Instnunent. Tlaese axt�ounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If th�s Security Instrument is on a leasehold, Barrower shall cornply with all tk►e provisions of the lease. If $orrower acquires fee title to the Property, the leasehold and the feE title shall not merge unless Lender agrees ta the merger in writing. 10. Mortgage Insurance. If Lender required Martgage Insurance as a condition of making the Loan, Borrower shall pay the premiurr�s required to maintain the Mortgage Insura�xce in effect. If, for any reason, the Mortgage Insurance coverage required by L.ender ceases to be available from the martgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Martgage Insurance, $orrower shall pay the premiums required to obtaan coverage substantially equivalent to the Martgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an altemate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrawer shall continue to pay to Ler►der the amount of the sepazately 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, natwithstanding the fact that the Loan is ultunately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. T.exider can no longer require lass reserve payments if Mortgage Insurance coverage (in the amounC and for the periad that Lender requires) provided by an insurer selected by Lender again becames available, is obtained, and Lender requires sepazately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the prerniums for Mortgage Insurance, Borrower shall pay the prerniums 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 agreement between Borrower and Lender providing for such temvnation or until ternunation is required by Applicable Law. Nothing in this Section 10 affects Barrower's obligation to pay interest at th� rate provided in the Note. Mortgage Insurance reimburses i.ender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the I..oan as agreed. Borrower is not a party to the Martgage Insurance. Mortgage insuxers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that shara or modify their risk, ar reduce losses. 'These agreernents 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 mortgage insurer to make payments using any source of funds that the martgage insur�r may have available (which may include funds obtained from Martgage Insurance prezniurns). NEBRASKA -$ingle Family - Fannie Mae/Freddia Mac UNIFQRM IMSTRUMENT �-6�NE) (08111 Page 8 of 15 �nitial�� Form 302$ 1/01 � r� s.T� . :�, �, � r � � � 4 !� � � � � ; r�