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2o�iao3i4 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. 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 L.ender's interest in the Property and/or rights under this Security Instrurnent (such as a proceeding in bankruptcy, probate, for condemination or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or xegulaCions), ar (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect L.ender's interest in the Property and rights under this Security Instrurnent, 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 limited to: (a) paying any sums secured by a lien which has priority over this Security Instrurnent; (b) appeariz►g in court; and (c) paying reasonable attomeys' 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 Property includes, but is nat limited to, entering the Property to make repairs, change locks, replace or boazd up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, L.ender does not have to da so and is not under any duty or obligation to 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 Lender under this Section 9 shall became additional debt of Borrower secured by this Security Instnur►ent. 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 payznent. . If ttus Security InstrumenC 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 L.exider agrees to the merger in writing. 10. Mortgage Insurance. if I..ender required Mortgage Insurance as a conditian of making the Loan, Borrower shall pay the prerniunns required to maintain the Martgage Insurance in effect. If, far any reason, the Morkgage �na��*�� coverage rec;uired by Lender ceases to be available from the mortgage insurer that previottsly grovided sueh insurance and $orrower was rc�uir� to malce separately designated payments toward the premiun�s for Mortgage Insurance, Borrower shall pay the prerniums required to obtain coverage substantialty equivatern ta the Martgage Ins nce gxeviously in effect, at a cost substantially ec�usva[e� � the cost to Horrawer of t�e Mortgage Insura� previausty in effect, fram an alternate �nvrtgage i�rer seIected by Lenc�er. If substaritialIy ec�uivarle� Mortgage Insurance caverage is nat available, Harrower shall continue ta pa� iur I.ender the amouEtt of t� selaarately designated payments that wec� due wt�n, the inctiTranrP coverage ce�ased to be in effect. !� will accept, use and retain these payt�extts as a non-refwadable Toss reserve in lieu of Mortgage Insura�nee. Such loss reserve shall be non-refundat�le, notwithstanding the f�t that the L.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 payments if Mortgage Insurance coverage (in the amount and far the period that Lender requires) provided by an insurer selected by Lender again becornes available, is obtained, and Lender requires sepazately designated payments toward the premiums far Mortgage Insurance. If Lender required Mortgage Insurance as a cvndition of making the Loan and Borrower was required to make separately designaced payrnents toward the premiums for Mortgage Insurance, Barrovver shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, unCit L.ender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until ternuanation is required by Applicable Law. Nathing in this Section 10 affects $orrower's obligation ta pay interest at the rate provided in the Note. Mortgage Tnsurance reimburses L.�nder (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 time, and may enter into agreements with other parties that share or modify their risk, ar teduce losses. Tk►ese agreements are on terms and conditions that are satisfactory to the mortgage insurer and the ather party (or parties) to these agreements. These agreernents may require the rr►ortgage insurer to rnake payrnents using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiurns). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6(NE) 1oa� �1 Page 8 of 15 Initials: FOrm 3p28 7/01 � i � . .. ., . .. � ��