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20�20229� for the repairs and restoration in a single payment or in a series of progress payments as the work is complete�. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Bonower is not relieved of Bonower's obligation 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 sha11 give Bonower norice 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 applicarion process, Bonower or any persons or enrities acting at the dir�tion of Bonower or with Bonower's l�owledge 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 representarions 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 Properly and Rights Under this Security 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 aff�t Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in banlauptcy, probate, for condemnarion or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regutations), 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 Security 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 sums se.cured by a lien wluch has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attomeys' fees to protect its interest in the Properiy and/or rights under this Security Instnunent, including its secured posirion in a bankruptcy proceeding. Securing the Property includes, but is not lirnited to, entering the Property to make repairs, change locks, replace or boazd up doors and windows, drain water from pipes, eliminate buiiding or other code violations or dangerous conditions, and have utilities tumed on or off. Although Lender may take action under this Section 9, Lender daes 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 taldng any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this S�tion 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 requestiug payment. If this Security Instrument is on a leasehold, Bonower shall comply with all the provisions of the lease. If Bonower acquires fee title to the Property, the leasehold and the fee ritle shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condirion 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 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 sel�ted by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Bonower shall NEBRASKA-Sfngle Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP p Wolters Kluwer Financial Services Form 3028 1 /01 VMPBINE) 11105) Page 8 of 17