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2oioos��a 9. Protection of Lender's Interest in the Property and Rights Under this Secarity Instrumient. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrurnent, (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, probatc, 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 raay do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including proteating and/ar assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but arc nat 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 position in a bankruptcy praceeding. Securing the Property includes, but is not limited to, entering che Property to ma,ke repairs, change locks, replace or board up doors and windows, drazn water from pipes, eliminate building or other code violatians ar dangerous conditions, and have 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 I..ender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender undsr this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts sha11 bear interest at the Nate rate frorn the date of disbursement and shall be payable, with such interest, upon notice from L,�nder Co Borrower requesting payment. . If this Security Instrument is on a leasehold, Bonower shall camply with all the provisions of the lease. If Borrower acquires fee title to the P�roperty, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If L,ender required Mortgage Insurance as a condiCion of making the Laan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, fox any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the rnortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums far Martgage Insurance, Borrower shall pay the premiums required to abtain coverage substantially equivalent ta 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 available, Borrower sha11 continue to pay to L.ender the amount of the separately designated paymencs that were due when the insurance coverage ceased to be in effect �na�r W�rr ��e�c use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such lass reserve shall be non-refundable, notwith.standing the fact that the Loan is ultirnately paid in full, and Lender sha11 not be required to pay Borrower 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 L,ender 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 Lender required MorCgage Tnsurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the pxezz�iums for Martgage Insurance, Borrower shall pay the premiums required to rnaintain Mortgage Insurance in effect, or to provide a non-refuindable loss reserve, until Lender's requirennent for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination 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 reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the L,�an as agreed. Borrower is not a party to the Mortgage Insuarauce. Martgage insurers evaluate their total risk on all such insurance in force from time to time, and rnay enter into agreements with other parties that share or modify their risk, or reduce losses. T'l�.ese agreements are on terms and conditions that are saCisfactory 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 Chac the mortgage insurer naay have available (which may include funds obtained from Mortgage Insurance premiums). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIPpRM INSTRUMENT �-B�NE) (0811) Page 8 of 15 Initials: ��y Form 3028 1/01 S�S . , r ... . '!.�