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20��o�3�i 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to pexfoz-m the covenants and agreements contained in this Security Tnstrument, (b) there is a legal proceeding that tnight signi�cantly affect Lender's interest in the Property and/or rights under this Security Instxunnent (such as a proceeding in bankruptcy, probate, for condemn.ation or forfeiture, for enforcernent 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 L.ender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Insttvament, including protecting and/or assessing the value of the Property, 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; and (c) paying reasonabla attorneys' f�es to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not litnited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water frot� pipes, eliminate building ar other code violations or 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. Ic 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 becotne additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notir.e from I,ender to Bonower requesting payment. If th�s Security Instrument is on a leasehold, Borrower shall comply with all th� provisions of the lease. If Borrower acquires fee title ta the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Lisurance. If Lender required Mortgage Ixasurance 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 Insurance coverage required by L.ender ceases to be available from the mortgage insurer that previously pmvidecl such insurance and Borrower was required to make separately designated payztxen:ts toward the premiuxns for Martgage Insurance, Borrower shall pay the premiums required ta obtain coverage 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 alterr►ate moRgage insurer selected by Lender. If substantially equivatent Mortgage Insurance coverage is nat availahle, Borrower shall rontinue 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 retaizt these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the L.oan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (ian the amount and far the period that Lender requires) provided by an insurer selected by Lender again becomes available, is abtained, and Lender requires separately designated paym�nts taward the premiums for Mortgage Insurance. If L.ender required Mortgage Insurance as a condition of ma�cing t1�e Loan and Borrower was required to rnalce separately designated payments toward the premiurns for Mortgage Insurance, Barrower shall pay the premiums required to rnaintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirernent for Mortgage Insurance ends in accordance with any written agreernent between Borrower and Lender providing for such ternunarion or until tern�ination is required by Applicable Law. Nothing in this Section lp affe.cts Borrower's obligation to pay interest at the rate provided in the Not�. Mortgage Insurance reimburses Lender (or any entity that purehases the Nate) for certain losses it may incur if Borz�ower does nat repay the Loan as agreed. $orrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from tirn:e to time, and may enter into agreements with other parties that share or modify their risk, or 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 rnake payrnents using any source of funds that the mortgage insurer rnay have avaulable (which may include funds obtained from Mortgage Insurance premiums). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6�NE) loat t1 Page S ot 15 �nitia�s� Form 3028 1/01 � •'►ct �' �i+�;','i i