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20�20�5Q� 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 are not suff'icient to repair or restore the Property, Bonower is not relieved of Borrower's obligarion for the completion of snch repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may insp�t the interior of the improvements on the Property. Lender shall give Borrower norice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Bonower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Bonower or with Borrower's lrnowledge or consent gave materially false, misleading,, or inaccurate informarion or statements to Lender (or failed 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 Bonower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this S�urity Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien wIuch may attain prioriry over this Security 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, including prot�ting and/or assessing the value of the Property, and se,curing and/or repairing the Properiy. Lender's actions can include, but are not limited to: (a) paying any sums se,cured by a lien whic�t has priority over tfiis Security Instrument; (b) apgearing iB court; and (c) paying reasonable attorneys' fees to protect its irnerest in the Pro�rty andlor rights under this Se,curity Instrument, including its secured position in a banlauptcy proceeding. Securing the Progerty includes, but is not limite� to, entering the Property to make repairs, cl�ange Ic�ks, replace or board up d�rs and windows, drain water from gipes, eliminate building or other code violations or dangerous condirions, and have utilities turned on or off. Although Lender may take �rion under this Section 9, Lender does not have to do so and is not under any duty or obligarion to do so. It is agrced that Lender incurs no liability for not taldng any or all actions authorized under this S�rion 9. Any amounts disbursed by Lender under this �crion 9 shall become additional debt of Borrower secured by this Security 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 Borrower requesting payment. If this Security Instrument is on a leasehold, Bonower sha11 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 agre,es to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of ma.king 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 in�,��nce and Bonower was required to make separately designated payments toward 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 Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower sha11 NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP � VMPBWE) (1105) Wolters Kluwer Financial Services Page 8 of 17