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201100838 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. lf (a) Borrower fails to perform tlie covenants and agreements contained in this Sec��rity Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforceznent of a lien which may attain priority over this Security Instrument ar to enforce laws or regulations), or (c) Barrower has abandoned the Property, then Lender may do and pay far whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting andJor assessing the value of the Property, and securing andlor repairing the Property. Lender's actions cvl 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 attorneys' fees to protect its interest in the Property and/or rights under tbis Security Instrument, iucluding 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 doars and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned 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 or obligation to do so. It is a� that Lender incurs no liability for not taking any ar all actions autharized under this Section 9. Any amounts disbursed by Lender �uider this Section 9 shall become additional debt of Borrower secured by this Security lnstrument. These asnounts shall bear interest at the Note rate from the date of disUurseinent and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this 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 imless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage lnsurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage lnsurance in effect. If, for any reason, the Mortgage Insurauce coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiutns required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Martgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. 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 coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwiYhstaudiug 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 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 preiniums for Mortgage Insurance. lf Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to inaintaiu Mortgage Insurance ii1 effect, or to provide a non-refundable loss reserve, until Lender' s requirement for Martgage 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. Martgage 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 Mortgage Insurance. Mortgage insurers evaluate tbeir total risk on all such insurance in force from time to time, and inay 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 (or parties) to tl�ese agreements. These agreements may require the martgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Martgage Insurance premiums). 8800945602 8800945602 NEBRASKA - Single Family - Fannie MaelFreddie Mac UNIFORM INSTRUMENT WITH � �•6A(NE) (oeio) Page 8 or is Initials: �iCJ(� Form 3025 1/01 �