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20120102� for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proc,eeds are not sufficient to repair or restore the Property, Bonower is not relieved of Bonower's obligarion for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspecrions of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Bonower notice at the time of or prior to such an interior inspe,ction specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall he in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's lrnowledge or consent gave materially faise, misleading, or inaccurate informarion or statements to Lender (or failed to provide Lender with material information) in conne,ction with the Loan. Material representations include, but are not limited to, representations concerning Bonower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Bonower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legat proceeding that might significantly affect Lender's interest in the Property and/or rights under ttus Security Insttvment (such as a proceeding in banl�uptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this S�urity Instrument 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 Property and rights under this Security Instrument, iacluding protecting and/or assessing the value of the FroPert}' and securing and/or repairing the Praperty. E.endes's actions can include, beit are not limited to: (a) gaying any soms secured by a lien which has paio�ity over this Security Instrament; (b) appearing in court; anct (c) paying reasonable attorneys' fe.es to grotect its inteiesE in the Praperty and/or rights under this S�urity Instrument, including its secured position in a baaim�gtcy graceeding. Securing the Property includes, but is not limited to, entering ttce Progeriy to �e tegairs, change locks, replace or 6oarct up doors and winc�ows, drain water from gipes, eliminate buiI�ng or other code vioIations or dangerous conditions, and have utilities turned on or off. Althaugh Lenc� may take action under this Section 9, Lender d�s not have to do so and is not under any duty or obligation to cto so. It is agreed that Lender incurs no liability for not taldng any or all actions authQrized urtder this 5ection 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Bonower se,cure� by this Security Instr�ment. 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, Borrower shall comply with all the provisions of the lease. If Bonower acquires fee title to the Property, the leasehold and the f� title 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, Bonower 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 towazd the premiums for Mortgage Insurance, Borrower 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 Bonower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by L.ender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP � Wolters Kluwer Financial Services Form 3028 1lOt VMP6(NE) (11051 Page 8 of 17