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�o��os549 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrumen� If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proce�ding that might significantly affect Lender's interest in the Properiy and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enfarcement of a lien which may attain priority over this Security Instrument ar 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 inter�t in the Properly and rights under this Seciu�ity Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender' s actions can include, but are not limited to: (a) paying any su.ms secured by a lien which has priority over this Securiry Instrument; (b) appearing in court; and (c) paying reasonable attorneys' feas to protect its interest in the Property and/or rights under this Security Instrument, including its secured 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 other code violations or dangerous conditions, and ha.ve 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 a11 actions authorized under this Section 9. Any ainounts disbursed by Lender under this Section 9 sha11 become additional debt of Borrower secured by this Security Instrument. These amounts sha11 bear interest at the Note rate from the date of disbursement and sha11 be payable, with such interest, upon notice from Lender to Borrower requesting payment. If tlus Security Instrument is on a leasehold, Borrower shall comply with a11 the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the f� title sha11 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 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 sha11 pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substanrially 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 sha11 continue to pay to Lender the atnount 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 sha11 be non-refundable, notwithstanding the fact that 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 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 premiwns for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make sepazately designated payments toward the premiums for Mortgage Insurance, Borrower sha11 pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, unril Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender groviding 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 ma.y 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 a11 such insurance in force from time to time, and may enter into agreements with other parties that shaze or modify their risk, or reduce 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 ixLSUrer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). � 11-07-000076 NEBRASKA - Single Family - Fannie MaelFreddie Mac UNIFORM INSTRUMEN WIT S �-6A(NE) (oelo) PageB of 15 Init Is• Form 3028 1/01 � �