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�fli2�418� servic� and subsequent charges each time remappings or similar changes occur wluch reasonably cnight affect such determinatian or certification. Borrower sl�all atso i�e responsible for the payment of any fees unposed by the F�erai Emerge�►cy Management Agency in conne�tion with ti�e review of any flood zone determination resulting &am an o6jection by Borrower. If Borrower fails to maintain any of the coverages deseribed above, Lender may obtain insuranca coverage, at Lender' s opt�on and Borrower` s expense. Lender is under no obligation to purchase any paRicuiar type or amount of coverege. Therefare, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity ui the Property, or the contents of the Property, against any risk, hazard or liability and ttught provide gr� or 1� coveraga than was previousiy in effect. Borrower ac�Cnowleclges that the cost of the insurance coverage so obtattted might signific�ntiy excee� the cost of insurance t�at Borrower could have obtained. Any amoants disbursai by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Inshvmeni These amounts shall bear inter�t at the Note rate from the date of disbursement and shall be payable, with �xch u�►terest, upon not�ce &om Lender to Borrower requesting payment. All inc�+�nce policies re�uired by Lender and renewals of such policies shall be subjcxt to Lender's right to disapprove such polic�es, shall include a atandard mortgage clause, and shall name Lender as mortgagee and/or as an additionallosg pay�. Lender sl�all have the right W hold the policies and renewai certificates. If Lend� requ�res, Borrowar ehaU prompuy give to Le,u.der all receipts of paid premiw�ns and renewal noticas. If Borrower obtains any form of insurance �verage, not otherwise required by Lender, for clamage to, or d�rucuon o� the Property, such policy sl�all include a standard moRgage clause and shall name Lendex as mortgagee and/or as aa additional loss payee. In the evem of loss, Borrower shall give prompt nouce to the insurrance c�arner and Lender. Lender may malce pr�f of loss if not ►�de prompuy by Borrower. Uniess Lender and Borrower otherwise agree in writing, any insurance pr�s, whether or not the underlying msurance was required by Lender, sLat! be applied to restoration or repau of the Property, if the restoration or repair is economically fasible and Lende,r's secunty is not lessened During such repair �d restoration period, Lender shall have the right to hold such insuraace proceeds until Lender has bad an oppartumty to inspect such Properiy to ensure the woric bas be.en compl�eri to Lender's sadsfacrioq provide� that such inspection shall be tmdertatcen promptly. Lender may disburse proce�s for the repurs and regtoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writiag or Applicable Law r�rires interest to be paid on suc6 insurance proceeds, �nder shall not be required to pay Borrower any mte.rpst or earomgs on such praceeds. Fees for public adjusters, or other third gartie.s, reta�ned by Bonower snall not ba paid out of t�e iasurance profleetis and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to we sutns secural by this Securiiy Instrument, whether or not then due, with the excess, if any, paid to Barrower. Such insurance procceds shatt be applied in the order provid� for in Se�tion 2. If Borrower abandons tUe Property, I.ender �y file, negohate and settle any available insurance cla�m and related matters. If Borrower do�.s not respond witlsin 30 days to a notice from Lender that the u�surance carricr has offered to settle a ctaim, then Lender may r�egotiate and settle the cisim. The 30-day p�ariod will begin when the notice is given. In either event, or if Lencler ac�rires the Property under Se�tion 22 or othervvise, Borrower hereby assigus to I,encier (a) Borrower's rights to any insuram�e proceeds in an amount not to exc�eci We amounts ung�aid under the Note or this Seeunty Instrument, and (b) any other of Borrower's rights (othcr than the nght to any refiuid af unearn�l premiwns paid by Borrower) under sU insurance policies covering the Froperty, insofar as such rights are applicable to trie coverage of the Property. Lender may use the msurance procee�s either to repair or restore the Properiy or to pay amounts unpaid under the Note or this Security Instrument, whe,ther or not then due. 2200283440 NEBWASKA-Sin�e Family-Fanroe Mae/Fraddla Ma¢ UNIFOfiM IN9TFdJMENT WRH MEItB VMP (ql Wdters Kluwe� Rinandal 3�vices A VBANE Form 3038 7ADt VAAPSAiNE7111081 Pega 7 of 17 ��