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�oi�o9s�� for the repairs and restoration in a single payment or in a series of progress payments as the work is complctcd. If thc insurancc or condcinvation procccds arc not sufficicnt to rcpair or restorc thc Property, Bonower is not relieved of Borrower's obligation for the completion of such repair or restoration Lender or its agent may make reasonable entries upon and inspec;tions of the Property_ If it has reasonable cause, Lender may inspee:l lhe interior of the improvemenls on lhe Pruperly. Lender shall give Borrower notice at the time of or prior to such an interior inspection spec;ifying such reasonable cause. 8. Botrowers Loan Application Borrower shall be in default if, during the Loan application process, Bonower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or conscnt gavc ntatcrially falsc, mislcading, or inaccuratc information or statcmcnts to Lcndcr (or failcd to provide Lender with material information) in connection with the Loan_ Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower' s principal residence. 9. Protection of Lende�"s Interest in the Property and Righ� Unde.r this S�urity Instrument. If (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 Property and/or rights under tbis Security Instnunent (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for cnforccmcnt of a licn which may attain priority ovcr this Sccurity Inslrumcnt or to cnforcc laws or regulations), or (c) Bonower has abandoned the Property, t6en Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security [nslrument, including prolecling and/or asv�sing the value of lhe Property, and �ee;uring und/or repuiring 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 Instnunent; (b) appe�aring 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 bankntptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to makc rcpairs, changc locks, rcplacc or board up doors and windows, drain watcr from pip�s, eliminate building or other code violations 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 ubligation lo do su_ Il is agreeci lhxt Lender incurs no liability fi�r nol luking any or all aclions authorized under this Section 9. Any amounts disbwsed by Lender under this Section 9 shall become additional debt of Bonower secured by this Security Instntment. 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 this Security Instrument is on a leasehold, Bonower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10 Mortgage Insuranee If Lender reyuired Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiwns 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 prcviously providcd such insurancc and Borrowcr was rcquircd to makc scparatcly dcsignatcd paymcnts toward the premiums for Mortgage Insurance, Borrower shall pay the premiums reyuired to obtain coverage substantially equivalent to the Morigage Insurance previously in effect, at a cost substantially equivalent to the cost to Bonower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially c;quivalent Mortgage Insurance coverage is not available, Borrower shall 1111023724 111'1023724 N�RASKASingle Family-Fannie MaaFreddie Mac UNIFORM INSTIa1MHVT Form 3026 1/01 VM P (n� VM PB(NE) (1105) Wolters Kluwer Financial Services Page 8 of 17