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201009647 9. Protection of Lender's Inter�st in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agz'eements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect L.ender's interest in the Propet'ty and/or rights under this Secarity Instrument (such as a procceding in banlc� probate, for candemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Bonower has abandaned the Property, then L.ender may do and pay for whatever is ;reasonable or appropriate to pratect Lender's interest in the Propexty and rights under this Security Instnunent, 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 surns secur�d by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable atCorneys' fees to protect its intexest ►n the Property and/nr rights under this Security Instnunent, including its secured position in a bankruptcy proceeding. Securing the Prop�rty includes, but is not limite� to, ente�ing the Property to make repairs, change locks, replace or board up doors and windnws, drain water frorn pipes, eliminate building or other code violations or dangerous conditions, and have utilities tumed on or off. Although Lendet' may take action under this Section 9, L.ender does not have to do so and is not under any duty or obligation to do so. Tt is agreed that Lender incurs no liability for not taking any or all actions authorized under this Se�tion 9. Any amounts disbursed by L.ender under this Section 9 shall become additional debt of Borrower secured by this Security Instru�ment. These amounts shall bear interest at the Note rate from the dat� of disbursement and shall be payable, with such interest, upon notice from L.ender to Borrower requesting payrnent. . If thxs Securiry Instrument is on a leasehold, Borrower shall cornply with all the provisions of tlxe lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lendec agrees to the merger in writing. �0. 11�ortgage Insurance. If Lecider required Mortgage Insurance as a condition of cnaking the I.,oan, E�c�rrower shall pay the premiums rec�uired tn maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insuraric� coverage rec}uised by Lender ceases to be available from the rnortgage insurer that previously provided such insurance ar►cl Borrower was requir�t to rnake separately designatai payments toward the prerniums for Mortgage Insurance, Borrower shall pay the prerniums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effeet, at a cost substantially equivalent to the cast to Sorrower of th� IVlortgage Insurance previously in effect, frotn an alternate �nortgage insurer seIected by Lender. If substantially equivalent Mortgage insurance coverage is nat available, Horrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance cav�rage ceased to be in effect. T.ender will accept, use and retain these payments as a non-refundable loss resea�ve in lieu of Martgage Insurance. Such loss reserve sha11 be non-refundable, natwithstanding 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. I.ender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the periad that Lender requires) provided by an insurer selected by Lender again becames available, is obtained, and Lender requires sepazately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage insurance as a condition of rnaking the L,oan and Borrower vc+as required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in " effect, or to provide a non-refundable loss reserve, until I.ender's requirement far Mortgage insurance ends in accordance with any written agreement between Borrower and L.ender providing for such ternunation or untii ternunation 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 Note) for certain losses it may incur if Borrovver 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 that share or znodify their risk, or reduce losses. Thes� agreements are an tem�s and conditions that are satisfactory to the mortgage insurer and the ather party (or parties) to these agreements. These agreernents rnay require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance prenniums). NEBRASKA - Single Family - Fannia Mae/Freddie Mac UNIFORM INSTRUIVIENT �-6(NE) (oei �1 Page 8 of 15 i��s�ais: �� Form 3p28 1/01 � �„ ; :i , i �` " � � � . i �