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2oiioo383 9. Protection of Lender's Interest in the Property and Ri�hts Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreernents contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in tl�e Property and/or ri�ht5 under this Security lnstrument (such as a proc�eding in bankruptcy, probate, for condemnation 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 appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Froperty, and securin�; and/or repairing the Property. Lender' s actionti can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Secutity Instrument; (b) appearing in court; and (c) paying reasonable 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 Froperty includes, but is nat limited to, enterin� the Property to make repairs, change locks, replac� or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turn�d 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 nr 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 5ection 9 shall become additiona] debt of �3ox secur�d by this Security Instrument. These amounts shal] bear interest at the Note rate from the date of disbursement and shal] be payable, with such interest, upon notice from Lender to Borrower requestin� payment. If this Security InsCrument is on a leasehold, Borrower shall comply with al] the provisions of the lease. If Borrawer acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writin�. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of mal:ing the Loan, Borrower shall pay the premiums required to maintain the Mortgage Inaurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mprtga�� insurEr that previously provided such insurance and &�rrower was required to make separately designated payments toward the premiums for Mort�age Insurance, Borrower shall pay the premiurns required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent ta thc cost to Borrower of the Mort�age Insurance previously in effect, from an alternate mortgage insurer selected by Lender. Jf substantially equivalent Mortgage Intiurance covera�e is not available, Borrower shall continue to pay to Lender the amount of the separately desi�nated payment� that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in ]ieu of Mortgage Intiurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan 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 Mprtga�e Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, az►d Lender requires separately designated payments toward the premiums for Mort�age Insurance. If I�ender required Mortgage Insurance as a condition of znaking the Loan and Borrower was required tn make separately designated payments toward the premiums for Mortgage Insurance, Borrower shal] pay the prerniums required to maintain Mortga�;e Insurance in effect, or to provide a non-refundable loss reserve, until Lender' s requirement for Mortgage Insurance ends in accardance with any written agreement between Horrower and Lender providing fnr such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Sorrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases tk�e Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortga�e Insurance. Mortgage insurers evaluate their tota] risk on all such insurance in force frorn tirne to tirn�, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These a�;reements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreernents. These agreements may require the xnortgage insurer tp make payments using any source of funds that the rnortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). 231043 NEBRA5KA - Single Family - Fannie M ae/Freddie M ac UNIFORM INSTRUM ENT �^s�NE) (0811) Page 8 of 15 iniciai . Form 3028 7101 �