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201i�19i8 9. Protection 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 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 enforcement of a lien which may attain priority over this Security Instnunent or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. 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 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 board up doors 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 agreed that Lender incurs no 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 Bonower securad by this Seeuriry Instrument. These amounts shall bear interest at the Note rate from the date of disbursement 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 compIy 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 t�xger in writing. 10. Mortgage L�urance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower s�ra1l pay t.�e pr�iums required to maintain the Mortgage Insuraace in effect. If, for any reason, the Mortgage I�a�tee coverage re.�uirad by �.ender ceases to be avai.table from the martgage insurer that previovsly proviciecct such in.surance an�d Borrower vv�ras requ�re� to matce separately designated payments toward the gremiums for Mortgage Insurance, Borrower shall gay the premiums required to obtain caverage substa�s�ially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Barrower of ihe IVlortgage Insurance previo�sly in effeet, from an alternate mortgage insurer selected by Lender. If substaIItiatly equivalent 14�artgage Insurance caverage is not availabie, Bczrrov�er shalt continue to pay to Lender the amount of the separately designated payments that were due when the insura�e coverage eeased to be in effect. Lender wili accept, use and retai� these paymeYtEs as a r�t-ref�abie Ioss reserve in Iieu af Mortgage Insurance. Such lass reserve shall be non-refunc�Ie, natwithstanding the fact that the Loan is ultimately pa'td in full, an� Lender shall not be required to pay Bvrrower any interest or eamings 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) provicted by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Bonower was required to make separately designated payments towazd the premiums for Mortgage Insurance, Bonower shalt pay the premiums required to maintain Mortgage Insurance in effect, or 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 for such termination or until ternrination is required by Applicabie Law. Nothing 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. Bonower is not a pariy to the Mortgage 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 (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 Mortgage Insurance premiums). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6(NE) �osi ii Page S of 15 Initials: Fo�m 3028 1/01 �