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�oi1oo490 9. Protec#ion of Lender'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 Instrunnent, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrurnent (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this 5ecurity Instrument or to enforce laws or regulations), ar (c) Borrower has abandoned the Property, then L.ender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights undex this Secucity Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Praperty. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable aCtorneys' fees to protect its interest in the Property and/or rights under this Security Instrunnent, 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 board up doors and windows, drain water frorn pipes, elirninate building or other code violations or dangerous conditions, and have utilities turned on or aff. Although Lender may take action under this 5ection 9, Lender does not have to do sa and is not under any duty or obligation ta do sa, It is agreed that Lender incurs no liability for not taking any or all actions authorized undex this Section 9. Any amaunts disbursed by Lender under this Sectian 9 sha11 become additional debt of Borrower secured by this Security Instrument. These arnounts shall bear interest at the Note rate fram the date of disbursernent and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. Tf this Security Instrument is on a leasehold, Borrower shall comply with a11 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 Tnsurance as a condition of 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 L,ender ceases to be available fram the mortgage insurer that previously provided such insurance and Borrower was required to rnake separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiurns required to obtain coverage sabstantially 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 insuxer selected by L,Qnder. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance caverage ceased ta be in effect. I.ender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such lass reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and L.ender sha11 not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the prerniums for Mortgage Insurance. If L.ender required Mortgage Insurance as a condition of rnaking the Loan and Borrower was required to make separately designated payments toward the premiums for Mo�tgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until L.ender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reirnburses Lender (or any entity that purchases the Note) far certain losses it may 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 a11 such insurance in force from tirne to time, and may enter inCo agreements with other parties that share or nnodify 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 these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Martgage Insurance pre�niums). NEBRASKA - 5ingla Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT '�`'` �-6�NE) iosi i� Page 8 of 15 Initials: 1 y � Farm 3028 9/01 V��