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�o��o��a 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. Tf (a) Borrower fails to perform the covenants and agreemeants 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 Instrument (such as a proceeding in bankruptcy, probate, for condernnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument ar to enforce laws or regulations), or (c) Borrower has abandoned the Property, then L.ender may do and pay for whatever is reasonable or appropriate to protect I.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. L,Qnder'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 Praperty and/or rights under this Security Instrurnent, including its secured position 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 doors and windows, drain water frorn pipes, elirninate building or other code violations or dangerous conditions, and have utilities turned on ar off. Although L.ender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation Co do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by L,Qnder under this Section 9 shall become additional debt of Borrower secured by this Security Instrurnent. These amounts shall bear intsrest at the Note rate frorn the date of disbursernent and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Barrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrawer shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payrnents taward the prenniums for Mortgage Insurance, Borrower shall pay the premiums required to obtain caverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance pxeviously in effecC, from an alternate rnortgage insurer selected by L.ender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue 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 payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that 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 payrnents if Mortgage Insurance coverage (in the amount and for the period that Lender requires) pravided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If L.ender required Mortgage Insurance as a conditian of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to mainCain Mortgage Insurance in effect, or to provide a nan-refundable loss reserve, until L.ender's requirernent for Mortgage Tnsurance ends in accordance with any written agreement between Borrower and Lender providing fdr 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 Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Nate) for certain losses it may incur if Borrower does not repay the Laan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in fnrce from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and canditions that axe satisfactory to the rnortgage insurer and the other party (or parties) ta these agreements. These agreements rnay require the mortgage insurer to make payments using any souxce of funds that the rnortgage insurer may have available (which rnay include funds obtained from Mortgage Insurance premiums). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMEIV7 �-B�NE) (0811) Paga $ ot 15 Initials: ''� L � Form 3d28 �/�� . � . .. . � � � .