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201206271 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 Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. ' 8. Borrower's Loan Appiication. Borrower sha11 be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to L.ender{or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations conceming Borrower'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) Borrower fails to perform the covenants and agreements contained in this Security Instri.�ment, (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 condenuiation or forfeiture, for enforcement of a lien which may attain priority over this 5ecurity Instruinent or to enforce laws or regulations), ar(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 Property and rights under this Security Instrument, including protecting and/ar 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 xhis Security Instrument; (b)appeazing in court; and(c)paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument,including its secured position in a bankruptcy proceeding. Securing the Property includes,but is not limited to, entering the Froperty to make repairs, change locks, replace or boazd up doors and windows, drain water from pipes, eliniiiiate building or other code violations or dangerous conditions,and have utilities turned on or off. Aithough 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 ali actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts sha11 bear interest at the Note rate from the date of disbursement and sha11 be payable, with such interest, upon notice from L.ender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower sha11 comply with ali the provisions of the lease. Borrower sha11 not surrender the leasehold estate and interests herein conveyed or temvnate or cancel the ground lease. Borrower shall not, without the express written consent of Lender, alter or amend the ground 1ease. If Borrower acquires fee title to the Property, the leasehold and the fee title sha11 not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If L.ender 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 toward the premiums far 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 Borrower of the Mortgage Insurance previously in effect, from an altemate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available,Borrower shall continue to pay to Lender the amount of the sepazately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept,use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full,and Lender shall not be required to pay Bonower any interest or earnings on such loss reserve. L.ender can no longer require loss reserve payments if Mortgage Insurance coverage(in the amount and for the period that Lender requires)provided by an instuer selected by'Lender again becomes available, is obtained, and Lender requires sepazately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to ina.ke separately designated payments toward the premiuins far Mortgage Insurance, Borrower sha11 pay the premiuii�s required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and �� NEBRASKA ' gle amily--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT DocMaglc� Form 3028 7/07 Page 7 of 14 www.docmagic.com