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20110i�� 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 Instrument 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 Instnunent; (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 boazd 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 nat 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 5ection 9. Any amounts disbursed by Lender under this Section 9 sha11 become additional debt of Borrower secured by this Security Instrument. These amounts shall beaz interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Bonower requesting payrnent. If this Security Instrument is on a leasehold, Bozrower shall comply with all the provisions of the lease. If Borrower acquires fce ritle to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 14. Mortgage Ir�sura�e. If Lender required Mortgage Insurance as a candirion of making the Loan, Borrower sha1l pay the gremivms requirec� ta maintain the Mortgage Insurance in effect. If, far any reason, the Mortgage Insurance cov�rage required by L.ender ceases to be available from the mortgage insurer that previously provided sExch insurance and Bormwer was required to make separately designated payments toward the premiums far Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantiatly ec}uivatent t€� the Mortgage Insurance previousiy in effect, at a cost substantially equivalent ta the cast to Borrc�wer af the Mortgage �nsurance previously in effect, from an altemate mortgage insurer seiectect by I.enc�er. If substantiaily equivalent Mortgage Insurance coverage is not available, Borrower shall eorctinue tQ gay tc> Le�er the amount of the separately designated payments that were due when the insurat�ce evverage ceasecE ta be in effect. Lender wiii accept, use and retain these payments as a non-refundab�e Ioss reserve in Iieu of Mortgage Insurance. Such Ioss reserve shall be non-refundable, notwitT�stanc�ing the fa�ct that the Loan is uitimately paid in full, and Lender shaii 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 atnount 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 premiums for Mortgage Insurance. If 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 shaTl 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 Bonower and I.ender 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 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 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 {NSTRl1MEN'T �-61NE) losi t1 Page 8 of 15 Initials: _`� Form 3028 1/01 m `