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2U11004�3 9. Prutection nf Lender's Interest in the �roperty and Rights Under this Sccurity Inrtrument. Tf (a) I3nrrnwcr fail� tu perfc�rn the covenanls and agreements contained in this Security Instrument, (b) thete is a legal praceeding that rnight signilicantly affect Lcnder'ti interest in thc Property and/or righls undet lhis SecuriCy lnstnunent (such as a proceedin� ir� hankniptcy, probale, Ior condeinnation �rr firrfciturc, fnr cnforcemcnt of a licr7 which may at.tain ptiority over this Security Instnunent or lo enforce laws or regulations), nr (c) iiorrower has abandoned Lhe Ptoperty, then Lcnder may do and pay 1'ot whatever i� reasonable or appropriate to protect Len�er's interest in lhe Property and right� under t}tis Security Instniment, including protecting and/nr assetitiing iha value of the Property, ancl seci�ring and/or repairin� the Ptopetty. Lender's actions can include, but are not limited io: (a) paying any �ums sccured by a lien which has priority over this Security Instnuncnt; (h) appearing in court; ancl (c) paying rcasonable attorneys' feen t�� ptotect it� int.eresl in the Properiy and/or rights under thiti Seeurity Instrument, including its 5ecured ppsition in a banlcruptcy proceedine. Securing th� Property includes, but is not limited to, entcring thc Property to makc repairs, change l�>ck�, repluce or board tiip doors and window�, drain water from pipes, climinate building pr ��t}ier en�le vi��latiuns or dangerous conditions, and have utilities turncd on or off_ Although Lcnder may take action under ihi� Seclion 9, Lender does nol have to do �n and is not undet any duly or obligation to do so. It is agreed that Lender incurs nn liability fnr not taking any or all aclions authorizeci undet this Section �. Any arn<�unte dishurse�l by Lendet under this Section 9 shall bccomc additional debt ol� Burrowet �ecured by tliis Security Instnuncnt. '1'hcsc arriountti shall beat inleresi at ihe Note rate from the datc of di�burse►nent and shall be payable, with sueh interest, upon notice ftom Lencler to Borrawcr requesting payrncnt_ If this Securil.y Instrumenl is on u leasehold, $orrowcr shall comply with all the provisions ol� the Ieatie. If I3nrrnwet acquire� Fee I.ille to lhe Property, thc lcaschold and the fce title shall not merge unles� Lendet ugrees to the merger in writing_ 10. Mortga�e Insuranee. If Lendcr rcquircd Mortga�e InSUtance a5 a cvnditian of making thc Loan, I3orri�wcr ahall pay the premiurns tequired to maintain thc Mortgage Insurancc in cffcct_ Tf, for any reason, the Mortgage In��u�ance cpverage tequired by Lender ceases to hc availablc from the mortgage insurer ihal pteviously provided such insurancc and I3orrower wa� rec.�uited lo make separately de�ignated paymcnts towatd ihe premiums lor Mortgage Insuranee, I3orrower shall pay i.he premiums required tn obtain covcrage subtitantially equivalent to the Mottga�e Insurancc prcviou�ly in effect, at a cost SLIbSIAIItI'dllY equivalent to the cost to I3�rrower af the Mart�a�e Insurance previously in effect, Iioin an alternate inortgage in�urcr sclected hy Lender. If substant.ially ec�uivalent M�rtgage Insurance covetage is not availah)e, B�>rrower shall continue to pay to I,ender the amount nf the separatcly desi�nated payments that were due when the in5utance coverage ceased to be in effect. Len�ler will accept, use and retain these payments as a non-refundable Ic�ss reserve in lieu ol� Mortgage lnsurance. Such loss re5erve shall be non-rcf'undable, riptwithstanciing the Fact t.hai t.he Loan is ultimately paid in full, and Lendet shall not be required to pay Bortower any interest or earnings on suclt 1�� reserve. Lender can n�� longcr rcquire loss reserve payinents if Mottga�e InsLirancc covcragc (in the am�>unt and for ihe perio�l that Lendcr requires) prnvided by an insurer selected by Lender again becomes available, is obtained, and Lender requite� scparatcly detiignated payments toward the premiums for M�rtgagc Intiurancc_ Tf L,endcr required Morlgage Insurance as a condition ��f making the Loan and $orrow�r was required to make separately designated paylnents toward the premiutns for Mortgage Insurance, Bottower shall pay the premiume required to mainl.ain Morlgage Insurance in effect, or to provide a nnn-refiuiclable los� reserve, until Lender's requirement for Mortgage Insurance end5 in accordance with any writtcn agreement between Botrower and Lendcr providing fi.�r such terrnination or until terminalion is required by Applicable Law. Not.hing in this Section 10 aFfects Borrower's obligation to pay ir�terest ai the tale provided in the Nole. Mottgage Insutance reimburses Lcnder (or any entiiy thal putchanes the Note) fc>r certain lo�scs it may incur if T3orrnwer dnes not rcpay the Loan a� agteed. Borrowet is not d pdriy to the Morfgage Instuance. M�rtgage insiu'ers cvaluate their total risk on all such insuranec in fnrce from time lo time, and may enter inlo agreemeirts with other partics that �harc or m��dify their risk, ot teduce losse�. These abreements are on tenns and conditinns that are satisfactury to 1he mortgage insurer and ihe olhet pariy (or parties) to the5e agteements. "T'hese aereeinents may require thc tnotigage insuter to tnake payments using at�y tiourcc of funds lhat the mortgagc insurer may have available (which may include lunds obiained fratn Mortgage Intiurance premiLUns). NEBRASKA- 5ingle Family - FannieMae/Freddie Mac UNIFORM INSTRUMEN7 �-6(NE) (08� �) Page B of 15 Initials: �� Fo�m 3028 1lD1 0 ��. � .