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200206104 Section 5 that repair or restoration is not crunornically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender bas 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 Borrower's obligation for the completion of such repair or restoration. 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. Leader shall give Borrower notice at the timeoforprior to such an interior inspection specifying such reasonablecause. R. Burrowei s Loan Application. Burrower shall be in default if, during the Loan application process, Borrower or any Persons ar entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Leader (or failed to provide Lender with material information) in connection with dre Loan. Material representations include, but are not limited lo, representations concerning Borrower's occupancy of the Property as Borr'ower's principal residence 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrnmenl. If (a) Rorrower 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 Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for ondorcennent of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay fur whatever is reasonable or appropriate to promet Lender's interest 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 Properly. Lende {s notions can include, but are nut 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 attomeys' fees to protect its interest in the Property and /or rights under this Security Instrument, including its secured position in a bankmptcy proceeding_ Securing the Property includes, but is not limited 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 Scotto, 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 actions authorized under this Section 9. Any marmots disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest of the Note rate from the date of disbursement and shall be payable, with such interest upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unlesoi 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 Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially o4 a vabout to the Mortgage Insurance previously in effect, at a cost subslan ti al ly equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate 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 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- refimdable loss reserve in lieu of Mortgage Insurance_ Such loss reserve shall be non- refimdable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Botiower any interest or earnings on such loos reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. It Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall NEBRASKA - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 30281101 I acn,1.1— Ina taac) 4663555 1-FIOFNMASn28 1101 Pager of 13 Initials.