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�o�� 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. Tf (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 Properly 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 ProperCy and rights under this Security Instrument, including protecting and/ar assessing the value of the Property, and securing and/or repairiug the Property. Lender's actions can include, but are not linnit� to: (a) paying any sunas secured by a lien which has priority over this S�urity Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to prote,ct its interest in the Property and/or rights under this Security Instrument, including its se�ured 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 ather code violations or dangerous conditions, and have utiliries turned on or off. Although Lender may take acrion under this Section 9, Lender daes 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 L�nder under this �ction 9 shall become additional deht of Borrower se�ured by this 5ecurity Instrument. These amounts shall bear interest at the 1Vote rate from the date of disbursement and shall be payable, with such interest, upon notice ftom Lender to Bonower requesting p ��If this Security Instrument is on a leasehold, Borrower ska11 comply with all the provisions of the Iease. If Bonower acquires fee ritle to the Property, the leasehald and the fee ritle sha11 not merge unless Lender agrees to the merger in writing. 10. Mortgage �nsurance. If Lender required Mortgage Insurance as a condirion of making the Loan, Bortower 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 insurer that previously provided such insur�ce and Banrower was reqnired to make separately designated payments toward the premiums for Mortgage Insurance, Bonower shall pay the premiums required to obtain coverage substanrially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent Co the cost to Borrower of ths Mortgage Insurance previously in effect, from an aiternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower sha11 continue to pay to Lender the amount of the sepazately designated payments tk�at 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 Izisusance. Such loss reserve sha11 be non-refundable, notwithstanding the fact that the L.oan is ultisnately paid in full, and Lender sha1l not be required to pay Bonower any interest or earnings on such Ioss 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 Bonower was required to make separately designated payments toward the premiums for Mortgage Tnsurance, Borrower shall pay the premiums zequired 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 temunation is required by Applicable Iaw. 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 evalua.te 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 sarisfactory 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 ma.y have a�ailable (which may include funds obtained from Mortgage Insurance premiums). NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT --6(NE) �oa� i) Page 8 of 15 Initials: @ � . G: � , Form 3028 1/01