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201204150 consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Bonower' s control. 7. Preservatlon, Maintenance and Protecl3on of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, a11ow the Property to deteriorate or commit waste on the Property. Whether or not Bonower is residing in the Properiy, Bonower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Bonower sha11 promptly repair the Property if damaged to avoid further deteriorarion or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Bonower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds 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 sufficient to repair or restore the Property, Borrower is not relieved of Bonower's obligation for the completion of such repair or restoration. Lender or its agent may malce reasonable entries upon and inspecdons 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 inspecrion specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Bonower or any persons or enriries acting at the direcrion of Bonower or with Bonower's lmowledge 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 tLis Secarity Instramenk 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 Security Instrwnent (such as a proceeding in banlauptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over tius Security Instrument or to enforce laws or regularions), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Properiy and rights under tlus 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 secured by a lien which has priority over ttris Security Instrument; (b) appearing in court; and (c) paying reasonable attomeys' fees to protect its interest in the Property and/or rights under ttris Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not lnnited 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 this Section 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 acrions authorized under this Secrion 9. Any amounts disbursed by Lender under this Secdon 9 shall become additional debt of Bonower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and sha11 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. Borrower shall not surrender the leasehold estate and interests herein conveyed or terminate or cancel the ground lease. Borrower shall not, without the express written consent of Lender, alter or amend the ground lease. If Bonower 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 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 Bonower was required to make separately designated payments toward the premiums for Mortgage Insurance, Bonower shall pay the premiums required to obtain coverage substanrially equivalent to the Mortgage NEBRASKA-Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS p�� Fortn 3028 1/01 Page 7 of 15 www.docmagfc.com Illul III lulll IIIIIII IIII I I� I II II I I IIII� IIIIIIIIIII I III m� C�