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2 oloosssi 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the cavenants and agreements contained in this Security Instrument, (b) there is a legal proceeding 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 fprfeiture, for enforcement af a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Froperty, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender' s interest in the Property an,d rights under this 5ecurity Instrument, including protecting and/or assessing the value of the Property, and securing and/ar repairing the Property. Lender' s actions can include, but are not lixnited to: (a) paying any sums secured by a lien which has priority aver this 5ecurity Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Praperty and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. 5ecuring 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, aliminate building or other code violations or dangerous eqnditions, and have utilities turned on or off. Although Lender may take action under this 5ection 9, Lender does not have to do so and is not under any duty or obligation to do so. It is a�reed that Lender incurs no liability for not taking any or all actions authoriz�d under this Section 9. Any amounts disbursed by Lender under this Section 9 sha11 become additional debt of Borrawer secured by this Security Instrument. These amounts shall bear interast at the Note rate from the date of disbursement and shall be payable, with such interest, upon natice £rom Lender to Borrower requestin� payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not mer�e unless Lender agrees to the merger in writing. l0. Mortgage Insurance. If Lender reyuired Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage [nsurance covera�e required by Lender ceases to be available frnm 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 caverage substantially equivalent to the Mortgage Insurance previously in effecC, 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 caverage is not available, Borrower shall continue to pay to Lender 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 zaon-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 Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. I�ender 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 L,ender again becom�s available, is obtained, and Lender requires sepaxately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition qf making the Loan and Borrower was required to malce separately designated payments toward the premiums for Mortgage Insurance, Borrawer shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender' s requirement for Martgage Insurance ends in accordance with any written agreement betwaen Borrower and Lender providing for such terminatipn 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 Lender (or any entity that purchases the Note) for certain ]osses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from tirne to time, and may enter into agreements with other parties that share or rnadify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortga�e insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payrnents using any source of funds that the martgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). 230975 NEBRASKA - Single Family - Fannie MaelFreddie Mac UNIFORM INSTRUMENT �-6(NE) (oe11) PageB of 15 i�n�ei5 Form 3028 1/01 �