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��ioo9�s� 9. Protectian oF Lender's Tnterest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrurnent, (b) there is a legal proceeding that mighC 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 farfeiture, for enforcement of a lien which rnay attain priority over this Security Instrument or to enforce laws or r�gulations), or (c) Barrower has abandoned the Praperty, then Lender rnay do and pay for whatever is reasonable ar appropriate to protect L.ender's interest in the Property and rights under Chis Security Instnunent, including pratecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can �nclude, 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/or rights under this Security InstrumenC, including its secured position in a bankruptcy procceding. Securing the Property includes, but is not limited to, enter�ng the Property ta make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on ar ofF. Although Lender rnay 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 far not taking any or all actions authorized under this Section 9. Any amotuxts disbuu'sed by L.ender under Chis Section 9 shall 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 I.ender to Borrower requesting payment. If this Security Instrument is an a leasehold, $orrower shall comply with all the provisions of the lease. If Borrower ac�uires fee title to the Praperty, the leasehold and the fee title shall not merge unless Lender agrees ta the rnerger in writing. 10. MorEgage L�surance. if T.ender required Mortgage Tnsurance as a candition of making the Loan, Borrower shalI pay the prerniums required to maintain the Mortgage insurance in effect. If, for any reason, the Mortgage Ix�suran�e coverage required by Lender ceases to be available from the rr�rtgage insurer that pa^eviously provid�d such insurance and Borrower was required to make separately designated payrnents toward the premiurns far Mortgage Insurance, Borrower shall pay the prerniums required to obtain coverage substantially equaivatent to the Mortgage Insurance previously in effect, at a cost substantially ec�uivalent to the cost to Borrower of the Mortgage Insurance previously in effect, fram an alt�rnate mortgage insurer selectec� by Lender. If substantially equivalent Martgage Insuranee eoverage is nat available, Borrower shall continue to pay to T..ender the amount of the separately designated payrnents that were due when the insturance coverage ceased to be in effect. L.ender will accept, use and retain these paym�e�nts as a nan-refundable Ioss reserve in lieu of Martgage Insurance. Such loss reserve shall be non-refundable, notwithskanding tl�e fact that the Loan is ultimately paid in full, and Lender shall not be requir�d to pay Borrower any interest or earnings an such loss reserve. Lender 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 Lender again becomes avauilable, is obtained, and Lender requires separately designated payrnents toward the prerniurc�s for Mortgage Insurance. If Lender required Mortgage Insurance as a conditian of making the Loan and Borrower was required to rnake separately designated payments towazd the premiums for Mortgage Insurance, Bonower shall pay the prexniwns required to maintain Mortgage Insurance in effect, or to provide a non-refundable lass reserve, until Lender's requirernent for Mortgage Insurance ends in accordance with any written agreement between Borrower and L.ender providing for such ternunation or until temunation is reyuired by Applicable Law. Nothing in this Section 10 affects Borrow�r's obligation to pay interest aG the rate provided in the Nate. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it rnay 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 time to time, and may enter into agreements with other parties Chat share or modify their risk, or reduce lasses. These agreernents axe on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreernents rnay require the rnortgage insurer to m.ake payments using any saurce of funds that the mortgage insurer may have available (which may include futads obtained from MoRgage Tnsurance premiwns). NEBRASKA - Single Family - Fannia Mae/Freddie Mac UNIFdRM IN$TRUMENT �-6�NE) 108t il Page 8 of 15 �nitial� Form 3028 1/01 ` r � ;� y � �, , . , '