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2oiooss�s . � � 9. P�'otection 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 Insttument, (b) there is a legal proceeding thac might signi�cantly affect L.ender's interest in the Property and/or rights under this Security Instarwnent (such as a proceeding in bankruptcy, probate, for condemnation or farfeiture, for enforcement of a lien �r+hich rnay attain priority over this Security Instnunent or to enforce laws or regulations), or (c) $orrower has abandoned the Property, then Lender nnay do and pay for whatever is reasonable or appropriate ta protect L.ender's interest in the Property and rights under this SecuriCy Instnunent, including protecting and/or assessing the value af the Property, and securing and/or repairing the Praperty. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearxng in court; and (c) paying reasonable attorneys' fees ta protect its interest in the Praperty and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property iancludes, but is not limited to, entering the Property Co make repairs, change locks, r�place or board up doors and windows, drain water frotn pipes, eliix�i.nate building or oklter code violations or dangcrous conditions, and have utilities turned on or off. Although Lender 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. It is agreed that I.,ender incurs na liability for not taking any or all actions aukhorized under this Sectian 9. Any arnounts disbuxsed by Lender under this Section 9 shall become additional debt of Borrower secured by ttus Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon natice from Lender to Borrower requesting payrnent. If this Security Instrument is on a leasehold, Borrower shall camply with all the provisions of the lease. If Borrower acc�uires fee title to the Property, the leasehold and the fee title sha11 not merge unless Lender agrees to the merger in writing. 14. Mortgage Ynsuranee. If Lend�r required Mortgage Insurance as a condition of making the L.oan, Sorrower shall pay the premiums required to maintain the Mortgage Tnsurance in effect. If, for any reason, the Martgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provideci such insurance arid Borrower was required to make separately designated payments toward the prerniunns for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insuranee previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate rnortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Bonower shall continue to pay to Lender the arnount 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-re�undable loss resezve in lieu of Mortgage Insurance. Such loss reserve shall be non-refiuxlable, notwithstanding the fact tlxat the I,oan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payn�nts if Mortgage Insurance coverage (in the amount and far the period that Lender requires) provided by an insuxer seIected by L.ender again becames available, is obtained, and Lender requires separately designated payments tovc+ard the prenniwns fo;r Mortgage Insurance. Tf Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to rnake separately designated payments toward che premiums for Mortgage Insurance, Borrawer shall pay the prerniurns required to maintain Mortgage Insurance in effect, or to provide a non-refundable lass reserve, until I_.ender's requirement for Martgage Insurance ends in accordance with any written agreement between Borrower and Lender praviding far such ternunation or until ternunatian 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) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is noc a paRy to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from tirne to tinne, and nnay enter into agreements with otk►er parties that share or rnodify their risk, or reduce losses. These agreements aze on terms and conditions that are satisfactory ta the martgage insurer and the other party (or parties) to these agreements. These agreemenCs may 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 prerniurns). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIF�RM INSTRUMENT �-s(��) (08111 Page 8 of 15 Initials: � Form 3028 1 /01 � �