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20120128� 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 proceeds aze not sufficient to repair or restore the Property, Borrower 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 inspections 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 be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Bonower or with Bonower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but aze not limited to, representations concerning Bonower's occupancy of the Property as Bonower'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 legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this S�urity Insmiment (such as a proce�iing in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or 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 Property and rights under this Se�urity Instrument, including protecting and/or assessing the value of the Properly, and securing and/or repairing the Property. Lender's actions can include, but aze not limited to: (a) paying any sums secure� by a lien which has priority over this Security Instrument; (b) apgearing in court; and (c) paying reasonable attomeys' fees to prot�t its interest in the Property and/or rights under this Security Instrument, including its se�ured position in a bankruptcy proc�eeding. Securing the Properiy 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 under tlus Se�tion 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 amounts disbursed by Lender under this 5ection 9 shall b�ome additional debt of �nower securefl by ttus Se�urity Instrument. 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 Bonower requesting payment. If this Security Insttument is on a leasehold, Bonower shall comply with all the provisions of the lease. If Bonower acquires f� title to the Property, the leasehold and the fee 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, 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 towazd the premiums for Mortgage Insurance, Bonower shall pay the premiums requirefl to obtain coverage substanrially 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 Lender. If substantially equivalent Mortgage Insurance coverage is not available, Bonower shall NEBRASKA-Single Femlly-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT . Form 3028 1/01 VMP � VMP6(NE) (110b) Woltera Kluwer Flnancial Services Page 8 of 17