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��oo��iu 9. Protection of l.ender's Interest in the Property and Rights Under this Security Instrunc��nt. If (a) Borrower fails to perforna the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security �nstrurnent (such as a proceeding in bankruptcy, probate, for condemnation ar forfeiture, for enforcement of 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 Froperty and rights under this Security InsCrument, including protecting and/or assessin� 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 Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this 5ecurity Instrument, including its secured pqsition in a bankruptcy proceeding. 5ecuring the Property includes, but is not limited to, entering the Property to make repairs, change lacks, replace or board up daors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or of£ Although Lender may take actian under this Section 9, Lender does not have ta do so and is not under any duty or obligation to do so. It is a�reed that Lender incurs no ]iability 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 Sorrower secured by this Security Instrument. These amounts shal] bear interest at the Note rate from the date of disbursernent and shall be payable, with such interest, upon notice from Lender to Barrovver requesting payment. If this Security Instrument is on a leasehold, Barrovver shall comply with all the provisians of the lease. lf Borrower acquires Fee title to the Property, the leasehold and the fee title shall not xnerge unless Lender agrees to the znez in writing. l0. Mortgage Insurance. If Lender required Martgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Martgage Insurance in e£fect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortga�e insurer that previously provided such insurance and Borrower was rsquired to make separately designated payrnents toward the premiums for Mortgage Insurance, Borrower shall pay the parerniums required to obtain cpverage substantially equivalent to the Mortgage Insurance previously in effect, at a epst substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortga�e Insurance covera�e is not available, Sorrower shall cantinue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these paymex�ts as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve sha11 be non-refundable, notwithstanding the fact that the Loan is ultizz�ataly 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 payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an in5urer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Lpan and Borrower was required to make separately designated payments toward the prerniums for Mortgage Insurance, Borrower shall pay the premiums required to maintain 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 Borrower and �,ender providing for such termination or until termination is required by Applicable Law. Npthing 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 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 tirne, and may enter into agreements with other parties that share pr 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. �"hese a�reements may require the mortgage insurer co make payments using any source of funds that the mortgage insurer znay have available (which rxxay include funds obtained from Mortgage Insurance premiums). 231001 NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFpRM INSTRUMEN7 �-B(N�) �oaii� PageB of 15 Initials: � Form 3028 1/01 m �J'1-�