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20��o4sz4 9. Prote�tion of Lender's Interast in the Property and Rights Under this Security Instrument. If (a) Bonoweg fails to perform the covenants and agresments contained in this Security Insmiment, (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 bankraptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrumant or to enforce laws or regularions), 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 tYus Securiry Instrument, including protecting and/or assessing the value of the Property, and se,�uring andlor repairing the Property. I.ender's actions can include, but are not limited to: (a) paying any sums secured by a lien wluch has priority over this Security Instn�ment; (b) appearing in court; and (c) paying reasonable attomeys' 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 mat�e repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous condirions, 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 liabiliry for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender wnder this Section 9 sha11 become additional debt of Borrower secured by this Security Instrutnent. 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, Bonower shall comply with a11 the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee ritle shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insarance as a condition of making the Loan, Borrower shall gay 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 insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiuins required to obtain coverage substanrially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equuvalent to the cost to Bonower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, �rrower shall continue to pay to Lender the amount 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 shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not he 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 periai that Lender requires) pmvided by an insurer selected by Lender aga.in becomes available, is obtained, and Lender requires separately designated payments towazd the premiums for Mortgage Tnsurance. If Lender required Mortgage Insurance as a condition of making the Loan and Bonower was required to make sepazately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiuuns required to ma.intain 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 requized 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 I.ender (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 agre,ements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that aze 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 ava.ilable (which may include funds obtained from Mortgage Insurance premiums}. NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIPORM INSTRUMENT �-6(NE) �ost�i PageBof 15 Initials: Form 3028 1/01 � � �