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�oiiaa3�s 9. Protection of Lender's Interest in the Prc�perty and Rights Under this Security Instrument. If (a) Borrower fails to perfc�rrn the covenants and agreements c.ontained in this Security Tnstrument, (b) lhere is a legal proceeding that rnight significantly affect Lender's interest in the �'rc�perty and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeitur�, for cnforcemcnt of a lien which may attain priority ove:r this Security Instrument or tc> enforcc laws or rcgulations), or (c) Borrower has abandoned the Property, then I..ender may do and pay for whatever is reasanable or appropriate to protect Lender's interest in the T'roperty and rights under this Security Instrumenk, including protecting and/or asscssing the value of the Property, and securing and/or repairing the Property. I,ender's actions can include, bul are not limited to: (a) paying any sums se.cured by a lien which has privrity over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Properly and/or rights under this 5ecurity Instrumcnt, including its secured positian in a bankruptcy proceeding. Securing the Propetty includes, but is nol limited tc�, e.ntering lhe Properiy to makc xepairs, change locks, replace or baard up doors and windows, drain water from pipes, eliiuinate building or other code violations or dangeraus condifians, and have utilitics turned c�n or off. Although Lender may take action under this Section 9, I.ender does not have to do so and is not under any duty or obligatipn to do so. It is agrecd that Lend�r incurs no liability far not taking any or all actions authorized under this Section 9. Any aznounts disbursed by L.ender under this Section 9 shall become additional debt of Borrcawer secured by this Security Instruinent. These amounts shall bear interest ak the Note rate from khe date of disburscrnent and shall be payable, with such inlc:rest, upon notice from Ilender tc� Borrower requesting payment. If this Security Instrumcnt is on a lGasehold, Sc�rrower shall comply with all thc provisions c�f the lease. Tf Borrower acquires fec title to thc Property, tk�� leasehold and the fee title shall not merge uriless I,ender agrees to the mergcr in wrifin�. 1Q. Mortgage Tnsurance. If T.ender required Mortgage Insurance as a condition af making lhe Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, lhe Mortgagc; Insuranc4 coverage required by IMender ceascs to be available from the mortgage insurer thaf previously provided such insurance and Borrower was required to make separately designated payznents toward the prenniurns for Mortgage Insurance, I3c�rrower shall pay the premiums reqvired to nbtain coverage substantially equivalent to the Mc�rtgage Tnsurance previou5ly in effect, at a cosl substantially c;quivalent to the cost to Borrower of the Mortgage Tnsurance previausly in effect, from an alternatc mortgag� insurer sclected by Lender. Tf substantially equivalenl Mortgagc Insurance coverage is not available, Borrower sha11 c:ontinue tc� pay to T.ender the amount of the separately designated payrn4nts that wcre due when the insurance covetage ceased to be in effect. Lender will acccpt, use and retain these payments as a non-refundabl�: loss reservc: in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, nolwithstanding the fact that the Loan is ultimately paid in full, and T.ender shall nol be rcquired to pay Borrowcr any interest or earnings on such loss reserve. Lcnder can ncf longer require loss reserve paymcnts if Martgage Ynsurance coverage (in the amount and for the perioci lhat Lender requires) providcd by an insurer selected by T.ender again becomes available, is obtained, and I.,cnder requires separately desigr�ated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Tnsurance as a cUndition of making thc Loan and Borrower was required ta make se�arately designated payments toward thu premiums for Mortgage Insurancc, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non�refundable loss reserve, un[il Lender"s requiremenl for Mortgagc Insurance r:�nds in accordance with any written agreement between Borrowcr and Lender providing fc�r such tcrmination or until terminatian is required by Applicable Law. Nnthing in this Section 10 affects Borrc�wer's obligation to pay interest at the rate provided in the Note. Mortgagc Insurancc reimburses T�ender (or any entity thai purchases the Note) for certain losses it may incur if Borrower does not rupay the I,oan as agreed. Burrower is not a party to the Mortgage Insurancc. Mcjrtgage insurers evatuate Iheir total risk on all such insurance in force from time to time, anci may enter into agrcements wilh other pariics that share or modify their risk, or reduce losses. ThCSe agreemenls are on tcrms and conditions that are satisfactory to the mortgage insurer and the other party (or partias) lo these agreements. These agrcernents may require the mortgage insurer to make payments using any source of funds that [he mortga�e insurer may have availahle (which may include funds obtained from Mortgage Insurancc: premiums). N�BRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6�NE) �oeiu PageBof 15 init Form 3028 9/01 � �