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2oiioo4�� 9. Protection of I.ender'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 signi�cantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeciing in bankruptcy, probate, for condemnation or forfeiture, for enforcement 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 nnay do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protectin$ and/or assessing the value of the Paroperty, and securing and/or repairing the Property. I.ender's actions can include, but are not limited to: (a) paying any swns 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 Instrurnent, including its secured position in a bankruptcy procceding. Securing the Property includes, but is not lirnited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water frorn pipes, elizninate building or ather code violations ar dangerous conditions, and have utilities turned on or off. Although Lender may take aetion under this Section 9, Lender does not have to do so and is not under any duty or obligatian to do so. It is agreed that I.ender incurs no liability for not taking any ar all actions authorized under this Section 9. Any arnounts disburse� by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amaunts shall beaz interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice frorn Lender to Barrower requesting payment. . If this Security Inscrument is on a leasehold, Borrower shall camply with all the provisions of the lease. If Borrower acquires fee title to the Property, che leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. � � 0. Mortgage Insurance. If Lender required Martgage Insurance as a conditian af making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available frorn the mortgage insurer that previausly provided such insurance a�nd Borrower was required to make separately designated payrnents toward the premiums for Mortgage Insurance, Borrower shall pay the prerniums required to obtain coverage substantially equivalent to the Martgage 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 equivalenc Mortgage Insurance coverage is not available, Borrawer shall continue to pay to Lender the amaunt of the separately designated payments that were due when the insurance coverage ceased to be in effect. I.ender will accept, use and retain these payrnents as a non-refundable loss reserve in lieu of Mortgage IzLSUrance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Laan is ultimately paid in fiill, and Lender shall not be require� to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Martgage Insurance coverage (in the amount and for the pexiod that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and I.ender requires separately designated payments towazd the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the L,oa�n and Borrower was required to znake separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to rnaintain Mortgage Insurance in effect, ar to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing far such termination or until ternunatian is required by Applicable Law. Nathing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (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 Martgage 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, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (ar parties) to these agreements. These agreements may require the mortgage insurer ta make payrnents using any source of funds that the rnortgage insurer may have available (which may include funds obtained from Mortgage Insurance prenniwns). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-BINE� (0811) � Page 8 of 16 �n�t�a�s: Form 3028 1I07 � �%�,�'I /f,.�