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2 Qloo9�s1 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect L,ender's interest in the Property and/ar rights under this Security Instnunent (such as a proceeding in bankruptcy, probate, for condernnation or forfeiture, for enforcernent o� 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 may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the PropeRy. L.ender's actions can include, but az'e not limited ta: (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/ar rights undex this Security Instrument, including its secured position in a banlcruptcy proce.eding. Securing the Property includes, but is not limited to, entering che Property to make repairs, chazxge locks, replace or board up doors and windows, drain water frorn pipes, eliminate building or 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 axxd is not under any duty or obligation to da so. It is agreed that Lender incurs no liability for not taking any or all actions autharized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additianal debt of Borrower secured by this Securiry Instrument. These amout�ts shall bear interest at the Note rate from the date of disbursernent and sk�all be payable, with such interest, upon notice from Lender to Borrower requesting payment. Tf this Security Instrurnent is on a leasehold, Barrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the m�erger in writing. 1p. Mortgage Insurance. If I.ender required Mortgage Tnsurance as a condition of making the Loan, Borrowec shal� pay tkie premituns rec�uired to rnaintain the Martgage Insurance in effect. If, for any reason, the Mortgage Ins e coverage required by Lender ceases to be available from the mortgage insurer that previously provided such izisuxance and Bonower was required to m�alce separately designated payments toward the premiums for 1Viartgage Insurance, Borrower shall pay the pretniums re:quired to obtain cov�rage substantially equivalent to the Mortgage Tnsurance previously in effect, at a cast substantially equivalent to the cost to Borrawer of the Mortgage Insuramce previously in effect, frorn an alternate mortgage insurer selected by Lender. If subskantially equivalent Mortgage Insurance coverage is not available, Borrower shatl continue to pay to L,ettder the amaunt of the separately designated payments that were due when the in�surance coverage cease�t to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in liau of Mortgage Insurance. Such loss r�serve shall be non-refundable, notwithstanding the fact that the Loam is ultimately paid in full, and Len.der shall not be required to pay Borrower any interest or eamings on such loss resezve. 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 be�omes available, is obtained, and I.ender requires separately designated payments toward the premiwms for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments taward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to rnaintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between $orrower and I..ender praviding for such ternunation or until termination is required by Applicable Law. Nothing in this Section 10 affects Borxower's abligation to pay interest at the rate provided in the Note. Mortgage Insurance reimbursas Lender (or any entity that purchases th� Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Martgage Tnsurance. 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 ar modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreernents may require Che martgage insurer tn rnake paytnents using any source of f�u►ds that the mortgage insurer may have available (which m�ay include funds obtained frorn Mortgage Insurance prerniurns). � NEBRASKA - Single Family - Fannie Mae/Fraddie Mac UNIFORM INSTRUMENT �,r , �-B�N�) �oai i� page 8 of 15 in�t i� Form 3028 1/01 � � � �f �� .� �� ! � �