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2011a023n 9. Protection of Lender's Interest in the Property� and Rights Under this Security Instrument. If (a) Borrower fails to perform the cavenants and agreements contained in this Security lnstrurnent, (b) there is a legal praceeding that might significantly affect Lender's interest in tlie Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnatipn or forfeiture, for enforcernent 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 apprppriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/ar assessing the value of the Praperty, and securing and/ar repairing the Property. Lender's actions can include, but are not limited t.o: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonabl� attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Prppercy includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other cod� violations or dangerous conditions, and have utilities turned pn ar of£ Although Lender may take actian under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not takin� any or all actions authorized under this Section 9. Any axnounts disbursed by Lender under this 5ection 9 sha11 become additional debt �f Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date af disbur5ement and shall be payable, with such interest, upon notice frozn Lender to $orrower requestin� payment. If this Security Instrument is on a leasehold, Borrawer shall camply with all the provisions of Che lease. If Borrower acquires fee title to the Property, the leasehold and tlie fee title shall not merge unless Lender agrees to the mer�er in writing. �p. Mortgage Insurance. If Lender required Mort�age Insurance as a condition of making the Loan, Borrower shall pay the premiurns required ta maintain the Martgage Insurance in effect. 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 required to make separately designated payments toward Che premiums for Mortgage Insurance, Boreower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previousl.y in effect, at a cost substantially equivalent ta the cost to Borrower of the Nlort�age Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially �quivalent Martgage Insurance covera�e 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 payrnents as a non-refundable loss reserve in lieu of Mortgage Insurance. Such lass reserve shall be npn-refundable, notwithscanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any inter�st or earnings on such loss res�rve. Lender can no lon�er require loss reserve payments if Mortgage insurance coverage (in the amount and for the periad that Lender requires) provided by an insurer selected by Lender a�ain becomes available, is obtained, and Lender requires separat�ly designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Iz�surance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or ta provide a non-refundable loss reserve, until Lender's requirement for Mort�age Insurance ends in accordance with any writtexa agreement between Borrower and Lender providing for such termination or until terrnination is required by Applicable T,aw. 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 Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Bor� is not a party to the Mortgage Insurance. Mort�age insurers evaluate their total risk on all such insurance in force from tirne to tim�, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreemenCs are on terms and conditions that are satisfactory ta the rnortgage 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 mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). z31o4z NEBRASKA - Single Family - Fannie IN aelFreddie M ac UNIFpRM IN5TRUM ENT ,, j �-6�NE) �oa�� PegeB of 15 initiais: gF �i Form 3028 1/01 �