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201201562 services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification.Borrowcr shall also be responsible for the pay7nent of any fees imposed by the Federal Emergency Management Agency in comiection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above,Lender may obtain insurance coverage, at Lender's option and Borrower's expense.Lender is under no obligation to purchase any pazticular type or amount of coverage.Therefore, such coverage shall cover Lender,but might or miaht not protect Borrower, Borrower's equity in the Property,or the conter�ts of the Properry,against any risk,hazard or liability and might provide greater or lesser coverage than was previously in effect.Borrower aclmowledges that the cost of the insurance coverage so obtained might significanlly exceed the cost of insurance that Borrower could havz obtained.Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument.Thcse amounts shall bear interest at the Note rate from the date of disbursement and shall be payable,with such interest,upon notice from Lender to Borrower requesting payment. All insurance poticies required by Lender aud renewals of such policies shall bc subject to Lender's right to disapprove such policies,shall include a standard mortgage clause,and sl�all tiame Lender as mortgagee and/or as an additional loss payee.Lender shall have the right to hold the policies and renewal certificates. If Lender requires,Bon�ower shall promptly give to Lender atl receipts of paid premiums at�d renewal notices.If Borrower obtains any form of insurance coverage,not otherwise required by Lender,for damage to,or destruction of,the Property,such policy shall include a standard mort�aae clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss,Borrower shall give prompt notice to the insurance carrier and Lender.Lender may make proof of loss if not made promptly by Borrower.Unlcss Lender and Borrower otherwise agree in writing,any insurance proceeds,whether or not the undcrlying insurance was required by Lcnder,shall be applied to restoration or repair of the Property,if t17c restoration or repair is economically feasible and Lender's securiry is not lessened.During such repair and restoration period,Lender shall have the rlght to hold such insurance procecds until Lender has had an opportuniry to inspect such Property to ensure the work has been completed to Lender's satisfaction,provided thac such inspecdon shall be undertaken promptly.Lznder may disburse proceeds for the repairs and restoration in a single payment or in a series of progsess payments as the work is completed.Unless an agreement is made in writing ar Applicable Law requires ineerest to be paid on such insurance proceeds,Lendex shall not be required Co pay Borrower any interest or earnings on such proceeds. Fees for public adjusters,or other third parties,retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obtigation of Borrower. If the restoraiion or repair is not economically feasible or Lcnder's securiry would be lessened,the insurance proceeds shall be applied to the sums secured by this Security Instrument,whether or not then due,with the excess,if any, paid to Borrower. Such insurance proceeds shall be applied in the ordcr providzd for in Secrion 2. If Borrower abandons the Property,Lender may file,negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days Yo a notice from Lendar that tlze insurance carrier has offered to settle a claim,then Lender mau negotiate and settle the claim.The 30-day period will begin when the notice is given.In cither event,or if Lender acquires the Property under Section 22 or otherwise,Borrower hereby assigns to Lender(a)Borrower's rights to any insurance proceeds in an amount not to exceed tt�e unounts unpaid under the Note or this Sccurity Instrument,and(b)any other of Borrower's rights(other than the right to any refimd of unearned premiums paid by Borrower)under all insurance policies covering the Properry,insofar as such rights are applicable co thc coverage of the Properry.Lender may use the insurance proceeds either to repair or restore the Properry or to pay amounts unpaid under the:�ote or this Security Instrument,whether or not then due. 8601143364 � 8801143364 NEBRASKA-Single Famity-Fannie M2ziFreCdle Mac UNIFORM INSTRUMENT WIiH MERS Form 3028 1!0'I VMP(v� VMP6A�NE)('I105) VJol.ers Kluwer F'�.nancial Servlces Pace 7 of 17