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201207871 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 s6a11 give Borrower notice at the time of or prior to such an i�terior inspection specifying such reasonable cause. 8. Borrowcr's Loan Application. Boaower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of F3orrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate infonnation or statements to Lender (or failed to provide Lender with ma[erial information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Properry as Borrower's principal residence. 9. Protection of Lender's Interest in the Proper[y and Rights Undcr this Security InstrumenL If(a) Borrower fails [o perform the covenants and agreements contained in this Security Instrument, (b) there is a ]egal proceeding that might si�ificantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for coudemnation or forfeihue, for enforcement of a lien which may attain prioriry over this Secwity 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 interest in the Property and rights under this Sec�rity InsWment, including protecting and/or assessing the value of[he 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 this Security Instrument; (b)appearing in court; and(c)paying reasonable attorneys' fees to protect its interest in the Property and/ur rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, en[ering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, elimina[e building or other code violations or dangerous conditions, and have utilities [urned on or off. Alt6ough Lender may take acfion 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[hat Lender incurs no liabiliry for not taking any or all actions authorized under this Section 9. Any amounts dis6ursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security I�strumenL These amounts shall bear interest at the Note rate from the clate of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Securiry Instrument is on a leasehold, Borrower shall comply witfi 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 no[, withou[ the express written consent of Lender, alter or amend the ground lease. I£Hortower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees ro the merger in writing. 10. Martgage Insurance. IfLender required Mortgage Insurance as a condition of making the Loan,Borrower shall pay the premiums required to main[ain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available Crom the mortgage insurer that previously provided such insurance a�d Borrower was required to make separately designated payments toward the premiums for Mottgage Insurance, Botrower shall pay the premiwns required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cosY substantially equivalent to the wst to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If su6stantially equivalent Mortgage Insurance covcrage is not availa6le, E3orrower shall wntinue to pay to Lender the amount of the separately 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 Loa�is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage(in the amount aud for the period that Lender requires)provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separatc;ly designated payments toward [he premiums for Mortgage Insurance. If Lender required Mor[gage Insurance as a condition of making the Loan and Borrower was required[o make separately designa[ed payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-ref�ndable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and NEBRASKA—Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �� Form 3028 1/01 Page 7 of 14 www.docmagic.wm