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2oiioo4si 9. Protection aF Lender's Interest in the Property and Rights Under this Security Instrument. Tf (a) Borrower fails to perfarm the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might signi�cantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for cvndemnation or forfeiture, for enforcement of a lien which may attain priority over this SecuriCy Tnstrument or to enforce laws or regulaCions), or (c) Borrower has abandoned the Property, then L.ender may do and pay for whatever is reasonable or appropriate to protect L.ender's interest in the Praperty and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/oar repairing the Praperty. 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 and/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 Property to make repairs, change locks, replace or boazd up doors and windows, drain water frorn pipes, eliminate building or other code violations or dangerous conditians, and have utilities turned on ar aff. Although I,ender 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 agreecl that I.Ender incurs na liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by chis Security Tnstrurr►ent. These amounts shall bear interest at the Note rate from the date of disbursernent and shall be payable, witl� such interest, upan notice from Lender to Borrower requesting payment. If th�s 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 merger in writing. 10. Mortgage Insurance. if Lender required Mortgage Insurance as a condition of rnaking the Loan, Borrower shall pay the premiums required to rnaintain the Mortgage Insurance in eifect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available frorn the mortgage insurer that previously provided such insurance anct Borrower was required to make separately designate�k payrnents toward the premiums for Martgage Insurance, Borrower shall pay the premiums required to abtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Martgage Insurance coverage is not available, Borrower shalt concinue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased co be in effect. Lender will accept, use and retain these payrx�nts as a non-refundable loss reserve in lieu of Mortgage Insuranca. Such loss reserve shall be non-refundabTe, notwithstanding the fact that the Laan is ultirnately paid in fult, and Lender shall not be requir� to pay Borrower any interest or earnings on such loss reserve. I.ender can no longer require loss reserve payments if Mortgage Insurance coverage (in the atnount azad for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and L.ender requires separately designated payraents toward the premiums far Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiuxns for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage �nsurance in effect, ar to provide a non-refundable loss reserve, until T.,ender's requirernent for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such ternvnation or until ternunation is required by Applicable I.aw. Nothing in this Section 10 affects Borrower's obligatian to pay interest at the rate provided in the Note. MoRgage Insurance reimburses L.ender (or any entity that purchases the Note) for certain losses iC rnay 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 fram time to time, and may enter into agreetnents with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to chese agreements. These agreements may require the mortgage insurer to rnake payznents using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance prezniums). NEBRASKA - Single Family - Fannie Mae/FrBddie Mac UNIFORM INSTRUMENT �-6(��) (0811) Page 8 of 15 Initials: � Form 3028 1l01 � / V M `