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201102637 9. Proteciion 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 tlus Security Instrument, (b) there is a leaal proceeding that might si�ificantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condeznnation 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 tize Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under ttus Security Instsument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender' s achons 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 Praperty andJor rights under tlus Security Instrurnent, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Properiy to make repairs, change locics, replace or boazd up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities tiuned 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 talang any or all actions authorized under this Secrion 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security 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 tlus 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 unless Lender agrees to the merger in writing. 10. Mortaage Insurance. If Lender required Mortgage Insurance 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 Lender ceases to be available from the mortgage ins�urer that previously provided such insurance and Borrower was required to make separately desi�nated payments towazd the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substanrially 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 insurer selected by Lender. If substantially equivalent Mortaage Insurance coverage is not available, Borrower shall cominue to pay to Lender the aznount 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 sha11 be non-refimdable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Bonower 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 premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make sepazately designated payments toward the premiums for Mortgage Insurance, Bonower shall 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 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 dces not repay the Loan as ageed. Bonower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on aIl such insurance in force from time to time, and may enter into agreements with other parties that shaze 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 aareements may require the mortgage insurer to make payments using any source of fimds that the mortgage insurer may have available (which may include fimds obtained from Mortgage Insurance premiums). 2200093927 D V6ANE NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMEWT WITFI M� �-6A(NE� Iosiol Page 8 of 75 Initials: �1 _ Form 3028 1/01 �