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201�09355 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perfoarm the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might signi�cantly affect L.Ender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or foxfeiture, for enfarcement 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 I.ender may do and pay for whatever is reasonable or appropriate to protect J.ender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value af the Praperty, and securing and/or repairing the Praperty. L.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 court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/ar rights under this Security Instrument, including its secured position in a bankruptcy proceeding, Securing the 1'roperty includes, but is not limited to, entering the Property to rnake repairs, change locks, replace or baard up doors and windows, drain water frorn pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on ar off, Although I.ender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligatian to do so. It is agreed that Lender incurs no liability far not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 sha11 become 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 notice from Lender to Borrower requesting payrnent. If this Security Instrument is an a leasehold, Borrower shall comply with all the provisions of the lease. If Barrower acquires fee title to the Property, the leasehold and the fee title sha(1 not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insuranc� as a condition of rnaking the Loan, Borrower shall pay the premiurns required to rnaintain the MoRgage Insurance in effect. If, far any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrow�r was required ta make separately designated payments toward the premiums far Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage 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, fronn an alternate martgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the arnount of the separately designated payments that were due when the insurance caverage ceased to be in effect. Lender will accept, use and retain these payrnents as a non-refundable loss reserve in lieu af Mortgage Tnsurance. 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 paymenCs if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by L.ender again becomes available, is obtained, and Lendex requires separately designated payrnents toward the premiums for Mortgage Insurance, If Lender required Mortgage Insurance as a condition of making the I,oan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Barrower shall pay the premiums required to maintain Martgage Insurance in effect, or to provide a non-refundabls loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreeznent between Borrower and Lender providing for such terrcxination 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 L,Qnder (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party ta the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, ar reduce losses. These agreements axe on terms and cpnditians 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 payrcxents using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance prerniurns). NEBRASKA - Single Family - Fannie M�elFreddie Mac UNIFORM INSTRUMENT �-61NE) 1o8ti1 Page8 of 15 �nitia�s: Form 3028 9/01 ' i ?! �' '. ..� .