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201�09E53 9. 1'rotection of Lender's Interest in the Froperty 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 might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over t.h.is Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lendex may do and pay far whatever is reasonable or appropriate to protect L.ender'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 Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Tnstrument; (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 proceeding. Securing the Property includes, but is not limited to, entering the ProperCy to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditians, and have utilities turned on ar off. Although Lender rnay take action under this Section 9, Lender does not have to do sa and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9, Any arnounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These arnounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from L.ender to Borrower requesting payment. . If this Security Instrument is on a leasehold, Borrower shall camply with all the provisions of the lease. If Borrower acquires fee Citle to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the rnerger in writing. 10. Mortgage Insurance. If Lender requixed Mortgage Tnsurance as a condition of making the Loan, Borrower shall pay the premiurns required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by I.Jender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required ta make separately designated payments toward the premiurns for Morrgage Insurance, Borrower shall pay the premiums required to obtain caverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent ta the cost to Barrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay Co I,ender the amount of th� separately designated payments that were due when the insurance coverage ceased to be in effect. L.ender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the L.oan is ultimatsly paid in full, and Lender shall not be required to pay Borrawer any interest or earnings on such loss reserve. Lender can no longer requir� 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 available, is obtained, and Lender requires separately designated payments towazd the premiums for Mortgage Insurance. If Lender required Mo�tgage Insurance as a condition of making tl�e Loan and Barrower was required to make separately designated payrnents toward the premiums for Mortgage Insurance, Borrower sha11 pay the premiums required to maintain Martgage 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 Borrower and Lender 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 Nate. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower daes 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 tirne to time, and may enter intn agreements with other parties that share or rnodify their risk, or reduce lasses. These agreements are on terms and conditions 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 payments using any source of funds that the rnortgage insurer may have available (which znay include funds obtained frorn Mortgage Insurance premiums). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �•8(NE) (0811) Page 8 of 15 i��s�aig: orm 3028 1/01