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2011038�5 9. Protection of Lender's Intereat m the Property and Rights Under this Security Instrament If (a) Borrower fails to perform the covenants and agreements containe3 in this Security Instrument, (b) there is a legal Proce�ing that might significantly affect Lender's inxerest 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 Lend�'s inter�t in the Property and rights uader this SecuritY Instrument, including protecting �d/or assessing the value of the Property, and securing and/or repairing the Property. Lender' s actions can includa, but aze not limited to: (a) PaYing anY gums g�red bY a lien which has priority over this Security Instrument; (b) apPe�ring in court; and (a) PaYing reasonable attorneys' fees to prote�t its inte�est in the Property and/or rights undar this Sacurity Inshvment, including its secured position in a ba�nkruptcy proceeding. Securing the Progeriy includes, but is not limited to, entering the Property to make repairs, ch�ge locks, replace ar board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and hava utilities huned on or off. Although I,ender may take action under this Sei.�tion 9, Lender does not ha.ve to do so and is not under any duty or obligation to do so. It is agre,ed that Lender incurs no liability for not taking any or all actions authorized under this Seckion 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Insbnunent. These mnounts shall beaz interest at the Note rate from the date af disbursem+ent and shall be payable, with such i�terest, upon notice from Lender to Honower requesting ��I�f t this Security Instrument is on a leasehold, Borrower ahall comply with all the provisions of the lease. If Borrower acquires fee title to the Prope�ty, the leasehold and the fee title shall not merge unless Lender agre,es to the merger in writing. 10. Mortgage 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. I� for any reason, the Mortgage Insurance coverage required by Lender c�ses to be available from the mortgage inaurer that previausly provide� such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost subst�►tially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from aa alternate mortgage insurer selecte� by I.ender. If substantially e�uivalent Mortgage Insuranca coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designaterl payments that were due when the insuranca coverage c.eased 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 refunda.ble, notwithstanding the fact that the Loan is ultimately paid in full, aud 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 mnouat and for the period that Lender re�uires) provided by an insurer seleeted by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiiuns for Mortgage Insurance. If Lender requir� Mortgage Insurance as a condition of making tha Loan and Banower was requir� to make separately degignated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in eff�t, or to provide a non refundable loss reserve, uatil Lender' s requirement for Mortgage Insurance ends in accordance with any written agr�ment between Bonower and I.ender providing for such termination or wrtil *ermination is requireri 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 (ar 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 totat risk on all such insurance in force from time to time, and may enter into agr�nts with other parties that share or modify their risk, or re�uce 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 fimds obtaine� from Mortgage Insurance premiums). 2200132068 D n� NEBRASKA - Single Family - Fannle Mae/Freddle Mac UNIFORM INSTRUMENT WR ERS ��A(NE� loatol PaBe 8 of 16 i �orm 3028 1/01 �