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2pi�057 9. Protection of Lender's Interest in the Progerly and Rights Under this Se�urity Instrument. If (a) Borrower fails to gerform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect I.ender's interest in the Property andlor rights under this Security Instrument (such as a proceeding in bankzuptcy, probate, for condemnation or forfeiture, for enforcement of a lien wluch may attain prioriry over this Security Tnstrument or to enforce laws or regulations}, or (c) Bonower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Properly and rights under this Security Instrument, including protecting and/or assessing the valne 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 Inslrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Progerly andJor rights under this Security Instrument, including its secured gosition in a banl�uptcy proceeding. Securing the Property includes, but is not limited to, entezing the Property to make repairs, change locks, replace ar board up doors and windows, drain water from pipes, eliminate building or other code vrolations 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 taking any or all actions authorized under this Section 9. Any amaunts disbursed by L,ender under this Sectipn 9 shall become additional debt of Borrower secured by Lhis Security Insirument. 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 Securlty Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Bonower acc�uires fee title to the Properly, tb,e leasehold and the fee tifle shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay fhe premiums required to maintain the Mortgage Insurance in effect. If, far 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, Bonower shall pay the premiums required to obtain coverage substantially 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 Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amownt 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-refunda.ble, notwithstanding the fact that the Loan is ultimately paid in full, and 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 amount and for the period tha.t Lender requires) provided by an insurer selected by Lender again becomes available, is obta.ined, and Lender recZuires separately designated payments toward the premiums far Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the I.oan and Borrower was required to make separa.tely designa.ted payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to ma.intain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage In.c�ransp 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 does not repay the Loa.n as agreed. Borrower is not a party to the Mortgage Tn�ran�, Mortgage insurers evaluate 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 conditians 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 - Fannle Mae/Freddie Mac UNfFORM INSTRUMENT �-6(NE► roeT�� paea8al' 16 i�rna�: Form 3028 1/01