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20�1002�� 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and a�reements contained in this Secr.u Instrunaent, (b) there is a legal proceeding that might signi�cantly affect Lender's interest in the Property and/or rights under this Security lnstrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which rnay attain priority over this Security Instruznent ar to enforce laws or re�ulations), or (c) Borrower has abandoned the Property, than Lender may do and pay for whatever is reasonable or apprppriate to protect Lender's interest in the Property and rights under this Security lnstrument, including protectin� andJor assessing the value of the Froperty, and securing andJor repairing the Property. Lender' s actions can include, but are not lirnited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearin� in court; and (c) payin� reasonable attorneys' fees to protect its interest in the Property and/or rights under tlai5 Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Froperty includes, but is not limited to, entering the Property to make repairs, change locks, replace ar board up doors and windows, drain water frprn pipes, eliminate building or othar code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender daes not have to do so and is not under any duty or obli�atipn to do so. It is a�reed that Lender incurs no liability for not taking any or all actians authori�ed under this Section 9. Any axnounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrurnent. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting p�yment. If this Security InsCrument is on a leasek�old, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees co the merger in writin�. 10. 1Vlortgage Insurance. If Lender required Mortgage Insurance as a condition af rnaking the Loan, Borrower shall pay the premaums required to maintain the Mortga�e Insurance in effect. If, for any reason, the Martgage 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 payments toward the premiurns for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage lnsurance previously in effect, at a cost substantially equivalent tp the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mort�age Insurance coverage is not available, Sorrower shall cantinue to pay to Lender the an�ount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain thes� payments as a non-refundable loss reserve in lieu of Martgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan 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 payments if Mort�age Insurance coverage (in the amaunt 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 toward the premiums for NIortga�e Insurance. If Lender required Mort�age Insurance as a condition of making the Loan arxd Borrower was required ta make separately designated payments toward the premiums for Mortgage Insurance, Sorrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mprtgage 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 Borrawer' s obligation to pay interest at the rate provided in the Note. Mortgage Insurance reirnburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Sorrower is not a party to the Mortgage Insurance. Martgage insurers evaluate their tota] risk pn all such insurance in farce from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce lasses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (ar parties) to these agreements. These agreements may r�quire the mortgage insurer to rnake payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). 231037 NEBRA5KA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-B�NE) (0811) PageB of 15 initieis. Form 3028 1/01 �