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<br />the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating
<br />circumstances exist which me beyond Borrower's control.
<br />7. Preseltni n, Maintenance and Prot hint of the Property; Inspections. Borrower shall not destroy, damage or impair the
<br />Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower
<br />shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is
<br />determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if
<br />damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the
<br />taking of, the property, Borrower shall be responsible for repaving or restoring the Property only if Lender has released proceeds for such
<br />purposes. Lender may disburse proceeds for the repairs and restoration in a single paymem or in a series of progress payments ss tie work
<br />is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Iloomeor is not relieved of
<br />I torrower's obligation for the completion of such repair or restoration.
<br />Lender or its agent may make reasonable entries Upon and inspections of the Property. If it has reasonable cause, Lender may
<br />inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior
<br />inspection specifying such reasonable cause.
<br />8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons
<br />or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading or inaccurate
<br />information or statements to Lender (err failed to provide lender with material information) In connection with the Loan. Material
<br />representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal
<br />msidence.
<br />9. Protection of Lender's Interest in the Property and ]tights Under this Security Instrument If (a) Borrower fails to perform
<br />the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's
<br />interest in the Property and /or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or
<br />forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or
<br />(c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest
<br />in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Pi'epeuty and securing
<br />and/or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums scoured by a lien which has priority
<br />over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or
<br />rights wider this Security Instrument, including its secured position in a bankruptcy proceeding. Seeming the Property includes, but is but
<br />limited to, entering the Property to make repairs, change lucks, replace or board up doors and windows, drain water from pipes, eliminate
<br />building or other code violations or dangerous conditions, and have utilities homed on or off. Although Lender may take action under this
<br />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
<br />not taking any or at I actions authorized under this Section 9.
<br />Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security
<br />Instrument. These amounts shall bear interest at the Note rare from the date of ciiaburscment and shall be payable, with such interest, upon
<br />notice from Lender to Borrower requesting payment.
<br />If this Security Instrument is on a leasehold, Borrower shall comply with all are provisions of the lease. Borrower shall not
<br />surrender the leasehold estate end interests herein conveyed or terminate or cancel the ground lease_ Borrower shall not, without the express
<br />written consent ofLender, alter or amend the ground lease. if Borrower requires fee title to the Property, the leasehold and the fee title shall
<br />not merge unless Lender agrees to the merger in writing.
<br />10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the
<br />premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender
<br />ceases to he available from the mortgage insurer that previously provided such insurance and Borrower was required to make scow early
<br />designated payment, toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage
<br />substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the
<br />Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage
<br />Insurance coverage is not available, l Inomwer shall continue to pay to tender the anoint of the separately designated payments that were
<br />due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a ten- refundable loss reserve
<br />in lieu of Mortgage Insurance. Such loss reserve shall be non - refundable, notwithstanding the fact that the Loan is ultimately paid in fill,
<br />.it Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve
<br />payments ifMori Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender
<br />again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance.
<br />If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated
<br />payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in
<br />effect, or to provide a non - refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written
<br />agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in
<br />this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note.
<br />Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does
<br />not repay the Loan as agreed. Borrower is nut a party to the Mortgage Insurance.
<br />Mortgage Insurers evaluate their total risk on all such insurance in force from rinse to time, and may enter into agreements with
<br />other parties that share or modify their risk, or reduce losses. 'I'hose agrcurenls we on teens end conditions that are satisfactory to the
<br />mortgage insurer and the other party (err parties) to these agreements. These agreements may require the mortgage insurer In snake payments
<br />using any source of finds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance
<br />premiums).
<br />As a result of these agreements, Lender, any purchaser of the note, another insurer, any reiminer, my other entity, or affiliate of
<br />any of the foregoing, may receive (directly or indirectly) amounts tlmt derive from (or might be characterized as) a portion of Barrower's
<br />payments for Mortgage Insurance, in exchange fer.sharing of modifying the mortgage insurer's risk, or reducing losses. If such agreement
<br />provided that an affiliate of Lender takes a share of the insur 'er's risk in exchange for a share of the preroimns paid to the insurer, the
<br />arrangement is often termed "captive reinsurance," Further:
<br />(a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any
<br />other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will
<br />not entitle Borrower to any refund.
<br />(h) Any such agreements will not affect the rights Borrower has — if any — with respect to the Mortgage Insurance under
<br />the Homeowners Protection Act of 1998 or any other law. These rights may include (he right to receive certain disclosures, to
<br />request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and /or to
<br />receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination.
<br />It.. Assignment of Miseel laneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid
<br />to Lender.
<br />If tie Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair ofthe Property, if the restoration
<br />or repair is economically feasible and Lender's security is not lessened During such repair and restoration period, Lender shall have the
<br />right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been
<br />completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly, lender may pay for the repairs and
<br />restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an xgreevaeht is made in writing
<br />NEBRASKA - Single family- Fannie MaelFreddie Mac UNIFORM INSTRUMENT with MERS Form 0028 1_101
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