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201140�13 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrament. If (a) Borrower fails to perform 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 Instrument (such as a proceeding in bankruptcy, probate, far condemnation or forfeiture, for enforcement af a lien which may attain priarity 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 Property and rights under this Security lnstrument, including protecting and/or assessing the value of the Property, and securing and/or 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) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property ara.d/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Praperty to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violatians or dangerous conditions, and have utilities tumed on or off. Although Lender may take action 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 L.ender incurs no liability for not taking any or a11 actions authorized under this Sectian 9. Any atnounts disbursed by L.ender under this Section 9 shall becorne additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from I.ender to Borrower requesting payment. . If this Security Instrument is on a leasehold, 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 to the rnerger in writing. 10. Mortgage Insurance. If L.ender required Mortgage Insurance as a condition of making the Loan, Borrower 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 pravided such insurance and Borrower was required to rnake separately designated payments toward the premiurns for Mortgage Insurance, Borrower shall pay the prerniurns required to obtain caverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost ta Borrower of the Mortgage Insurance previously in �ffect, from an alternate mortgage insurer selected by I.ender. If substantially equivalent Mortgage Insurance coverage is nat available, Bonower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance caverage 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 loss reserve sha11 be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrawer any interest or earnings on such loss reserve. L.ender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that L.ender requires) provided by an insurer selected by T_,ender again becomes available, is obtained, and I.ender requires separately designated payments toward the prerniums for Mortgage Insurance. If l.ender required Mortgage Insurance as a condition of making the Loan and Borrower was required to znake separately designated payments toward the premiums for Mortgage Insurance, Borrawer shall pay the premiums required ta 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 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 reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the I.oan 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 time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreenr►ents are on terms and conditians that are satisfactory to the rnortgage insurer and the other party (or parties) to these agreements. These agreements may require 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). � NEBFIASKA - Single Family - Fannie Mae/Freddie Mac UNIFpRM INSTRUMENT � �-61NE) toa>>1 Page 8 of 15 i��c� _ __ Form 3028 1/01 � �