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�oioo�35G 9. Frotection of Lender's Interest in the Property and Rights Under this Security Instrument. Tf (a) Barrawer fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might signi�cantly affect Lender's interest in the Property and/or rights under this 5ecurity Instrument (such as a praceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority ovex this Security InstruznenC or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then L,�nder may do and pay for whatever is reasonable or appropri�te to protect I.ender's interest in the Praperty and rights under this Security Instrument, including protscting and/or assessing the value of the Property, and securing and/ar repairing the Property. Lendex's actions can include, but are not limited to: (a) paying any �sums secured by a lien which has priority over this Security Instrurnent; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrurnent, 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 daars and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on ar off. Although L.ender 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 Lender incurs no liability for not taking any or a11 actions authorized under this Section 9. Any amounts disbursed by Lender under this 5ection 9 shall become additional debt of Borrower secured by this Security Instrument. These azanounts shall bear interest aC the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from L,Qnder to Borrower requesting payrnent. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrawer acquires fee title to the Praperty, the leasehald and the fe� title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If I.cnder required Mortgage Insurance as a condition of rnaking the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. lf, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from che martgage 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 effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, fxom an alternaCe rnartgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to L.ender 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 non-refundable loss r�serve in lieu of Mortgage Insurance. Such lass reserve shall be non-refundable, notwithstanding the fact that the I,oan is ultimately paid in full, and Lender sha11 not be required to pay Borrower any interest or earnings on such loss xeserve. �Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the arnount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and LQnder requires separately 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 nnake separately designated payments taward the premiums for Martgage Insurance, Borrawer shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-re�undable loss reserve, until I.ender's requirernent for Mortgage Insurance ends in accardance with any written agreement between Borrower and I,ender providing for such termination 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 Nate) far certain losses 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 frorn time to time, and may enter into agreernents with other parties that share or modify their risk, or reduce losses. These agreements are on terrns and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the rnortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). NEBRA5KA - Single Family - Fannie Mae/Freddie Mac UNIFpRM INSTRUMENt �-61NE) 1o8t t 1 Paae a or i 5 i�is�sis: Form 3028 1/01 , , :., � ; ��'�� f!.