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20110�� 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Bonower 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 Instnunent (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 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 banlmiptcy 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 taldng any or all actions authorized under tius Section 9. Any amounts disbursed by Lender under this Section 9 shall become additionat 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 this Security Instrument is on a leasehold, Borrower shali comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shali nat merge unless Lenc}er agrees to the �rger in vvriting. IA. M�►rtg�ge Imw�auce. �.f Len�ter rec�ired Mortgage Insurance as a condition of malQUg the Loan, Borrower s�I pay the gresnit�s rec�ed to mai�ztain the Mortgage Insurauce in effecE. If, for any reason, ttie Mortgage Imsur�ce caverage req�red by �er ceases to be avaitable fram the �rtgage igsurer that previovsty provic[ed s►xh i�anee a� Borrawer veas required to rr�ake separately designated pay�nents toward the premiums €oa Mo�tgage �ra�e, Borrovver shall pay the premiums rec}uired ta obtain coverage substat�tiatty e.c��ivate�t to the Mcrrtgage Insurance previovsty in effect, at a cost substantiaiiy equivaient to the e�st to Barrovrer of ti�e Mortgage Insurance greviously in effect, from an alter�rate mortgage i�surer setected by �.ender. If st�sta�tiatIy equivalent Mortgage Insuranc:e coverage is �t availabie, Borrowe� shatl continue to gag ic� E�er the amount of the separately designated payxnents t�tat were due w�hen t�e ins� coverage � co be in effect. Lender witl accept, use arn� retairi th�e paymexrts as a�-sefe�able Toss reserve in lieu of Mortgage Insurance. Such Ioss r�serve shatt be non-refiuutabie, natwithsta�ir�g the fact that the Loan is uItunately paid in fult, and I.e�er s�hali �t be required ta pay BorrQwer any urterest or earnings an such toss reserve. Lencter can IIo longer require loss reserve payments if 1Vlortgage Insurance coverage (in the amount and for the period that Lender requires) provideci by an insurer selected by Lender again becomes avaiiabie, is obtained, and I.ender requires separately designated payments toward the premiums for Mortgage Insurance. If L,ender required Mortgage Insurance as a condition of making the Loan and Borrower was rec}uired to make separately designated payments towazd the premiums for Mortgage Insurance, Borrower 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 ternunation 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. Bonower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on a11 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 MaelFreddie Mac UNIFORM INSTRUMENT �-61NE) (08111 Page s of 15 Initia � Form 3028 1/01 �