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�0110�02� 9. Protectiton of Lender's Interest in the Property and Righta Under this Secnrilty Instrament If (a) Borrower fails to perform the covenants and agreements contained in this SecaritY Instrument, (b) there is a legal proc�ding that might signific�ntly affe�t Lender's interest in the Property and/or rights �mder this Security Instrmment (such as a pr�ing in banlQUptcy, Probate, far condeirmation or forfeiture, for enforcemenY of a lien wluch may attain priority over this S�urity Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Progerty, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Properiy and rights under this S�ity Tn. ,men including protecting and/or assessing the value of the Properiy, and se�uring and/ar rePairing the Prop�ty. Lender' s actions c� include, but are not limited to: (a) paying any sums secured by a lien wluch has priority over this Security Instrument, (b) aPPearing in court; and (c) PaYing reasonable attorneys' fees to prote�t its interest in the Property and/or rights unde� this Security Instrament, including iLs secured position in a banlQUptcy praceeding. Sec�mng 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 undet this Se�tion 9, Lende� does nat have to do so and is not under any duty or obligation to do so. It is agre,ed that Lender incurs no liability far not taking any or all actions authorized under tUis Section 9. Any amounts disbursed by Lender under this Section 9 shall become additionat debt of Borrower secured by this Security Instrummt. These amounts shall bear interest at the Note rate from the date of disb►irsement and shall be payable, with such interest, u�n notice from I.ender to Borrower requesting pa �i�f t �this Security Instrument is on a leasehold, Bonower shall comply with a11 the provisions of the lease. If Bonower acquires fee title to the Property, the leasehold and the fee title sha11 not merge unless Lender agrees to the merger in writing. 10. Mortgage Insarance. If Lender required Mortgage Insurance as a condition of making the Loan, Bonower shall pay the premiums re�uired to maintain the Mortgage Insurance in effe�t. I� for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such inm,n,nce and Bonower was required to make separatelY �8n� P�� towazd the prerniums for Mortgage Insurance, Bonower shall pay the premiums required to obtain coverage substantially e�uivalent to the Mortgage Insurance previously in effect, at a cost substantially e�uivalent to the cost to Bonower of the Mortgage Insurance previously in effe�t, fram an alternate mortgage insurer selected by I.ender. If substantially e�uivalent Mortgage Insuranca coverage is not available, Boirower shall continue to pay to Lender the amount of the separately designateri payments that were due when the insurance coverage ceased to be in affect. Lender will accept, use and retain these payments as a non refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve sball be non refimdable, notwithstanding the fact tl�t the Loan is ultimately paid in full, and Lender sha11 not be required to pay Bonower any interest or earnings on such loss reserve. Lender can no longer require loss re.gerve payments if Mortgage Insurance coverage (in the amount and for the period that L�der reiluu'es) provided by an insurer selacted by Lender again be�omes available, is obtained, and Lender req�rires seParatelY designated Payments toward the premiums for Mortgage Insurance. If Lender requir� Mortgage Insiu�ance as a condition of maldng the Loan and Borrower vWas required to make separately designate� PaYments towazd the premiums for Mortgage Insurance, Bonower shall pay the premiums re�quired to maintain Mortgage Insurance in effect, or to provide a non refimdable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement betweea Bonower and Lender providing for such termination or until termination is required by Applicabla Law. Nothing in this Section 10 affects Bonower's obligation to pay interest at the rate provide� in the Note, Mortgage Insurance reimburses Lender (or any entity that purchases the Note) far certain loss� it may incur if Borrower doe,g not repay the Loan as agre�i. Bonower is not a party to the Martgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force fiom time to time, and may enter into agc�eements with other parties that shaze 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 gariy (or parti�) to these agreements. These agreements may require the mortgage insurer to make payments using any so�ce of funds that the mortgage insurer may have available (which may include fimds obtained from Mortgage Insivance premiums). 2200155211 D V6A1� NEBRASKA - Singla Family - Fannle MaelFreddle Mac UNIFORM INSTRUMENT WRH MERS �-�a�tq �o�,o� PaBa 8 of 16 iruaa�s: 1q,`� Form 3028 7/01 �