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20.11003�.5 9. Protcction of Lender's Intcrest in the Pruperty and Rights Under this Security Instrument. If (a) I3i�rrowcr fails ti� perfnrm the ci�venant� and agreements cvntained in this Securily Instrument, (b) there is a Icgal prncecding that might si�nificantly affect Lender's inlerest in the Ptoperty and/or rights under this Security Instr�mient (such as a proceeding in bankn�rtcy, probate, fi>r conaemnation or forfciture, for enforcement of a lien which may attain priority nver this Security Inetrument or tn enforec laws nr tegulations), or (c) $orrower has abandoned tk�e Property, then Lendet uiay do and pay fi�r whatevcr is reasonable or appropriate to protect Lender's interest in thc Property and rights under this Security Instrument, including protecting and/or asscssing the value af the Prc�petty, and securing and/or rcpairing the Property. Lender actions can include, but are not limited to: (a) paying any sums secured by a lien which ha5 ptiority over thi5 Secutity Instn�ment; (h) appearing in court; and (c) paying reasonable attorncys' fecs to protect it� interctit in the Pr��perty and/ot rights under this Security Instrument, including its secured pasiti��n in a hankn�ptcy pr[�ceeding. Securing the Property includes, but is nol limited to, enlering the Property to make repairs, changc locks, replace or board up donre and wind��ws, drain watcr &om pipes, eliminate building or other codc violatinn� r�r dangerous conditinns, and have utilities turncd on or olL Although Lender may take action undcr thiti Section 9, Lender does nnt have to do so and is not txnder any duty vr c>bligation ta dn �o. Ii is agreed That Lender incurs no liability for not taking any ot all acti��ns autharized under this Section 9. Any amounts disbursed by Lender under this Seciion 9 shall become additional debi c�F Borrnwer secuted by this Securiiy In�ttument. These amotimts shall bcar iqterest at t�ic Note rate from the date of di5bursement and shall be payuble, with such interest, upon notice from Lender to Borrowcr reqi�csting paym ent_ If this Security Intitrument is ��n a leasehold, $orrower shall comply with all the provisions of lhe Icasc_ If I3orr��wear acquireti fee title to the Property, the leasehold and the fee title shall not merge unletis Lender agtees to the metget in writing. 1U. Mortgage Insurance. I£ Lender required Mortgagc Insurance as a conditi��n af rt�aking thc Loan, Borrower shall pay the premiums required tn maintain the Mortgage Insurance in effect. It; Fot any reason, the Mortgagc Insurance coverage required by Lender cea�e5lo be available itom the morigage insurer that previously provided suc}i insurance and Botrower was required to make se�aratcly designated payments toward the premi�.uns for Mori�age InSUtance, $orrower shall pay the premiurri� required to obtain coverage substantially equivalent to thc Mortga�;e Insurance pteviously in effecl, at a cost Sub�tantially equivalent to the cost to Borrower of thc Mortgage Intitu°ance pteviously in eflect, ftom an alternate inortgage instiirer selected by Lender_ tf suhstantially equivaleni Motlgage Insutunce coVerage is not availahle, Bottowet shall continue to pay to Lender the amount of fhe serarately designated paymcnts that were due when the ins�u'ance coverage ceaseel to be in effect_ Lender will acccpt, use and retain these payments as a non-refundable loss rescrve in lieu of Mortgage Insurance. Such loss teserve shall he non-refundable, notwithstanding the fact that th� Laan i� ulCimately paid in full, and Lendet shall not be required to pay Borrower any inietest ot earnings on such loss rescrvc_ Lendcr can no longer require loss reserve paymenis if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lendcr a�;ain heGOTne available, is oblained, and Lendet tequires separately designated payments toward thc premimne fot Mortgage Insutance. If Lender requited Mottgage Insurance as a condition of making the Loan and Bottowet wa5 tequired to lnake separately designaled payments tnward the premium5 for Mortgage Insurancc, I3orrower shall pay the prc:mium� requircd to mainluin Mottgage Insutance in effect, or to provide a n��tz-refundable loss reserve, unti] Letader's requireTnent for Mortgagc InGUrance ends in accardance with any wtitten agreernent between Borrower and T,endcr providing fi�r �uch terrnination ar until tennination is required by Applicablc Law. Nothing in this Section 10 affects Bortowet'S obligation to pay int�rest at th� rate provided in the Note. Mortgage Insurance reimburses Lcnder (or aqy entity that purchases the Note) Fot certain losees it muy incut if Borrower does not repay the Loan as agree�l. Borrowet is not a party to the Mortgage In�urance. Mortgage insurers evaluate their total ritik an all 5uch insutance in force ltom time lo time, and may enter into agteements with olhet parties that share or tzzodify their ri5k, ot reduce lo5ses. These agreements ate on tenns and conditions that are satisfactory to the murt.gage insuter and the olher party (or pariie5) io these agreements. These agteements may reqti�ire thc rr�ortgage ins�u'et ta rnake payment5 using any source of lunds that the inorlgage insurer may havc availahle (vvhich may inclucie Iiards obiuined from Mortgage Insurance premiums). NEBRASKA- Single Family - FannieMae/Freddie Mac UNIFORM INSTRUMENT �-6(NE) (0811) Page B of 95 Initi�ls: Fol 3028 7/01 0 �