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201207093 services and subsequent chargcs each time remappings or similxr changes occur which reasonably might affcct such de[ermination or ceRification.Borrower shall also be responsible for the payment of any fccy imposed by the Federal Emergency Management Agency in wnnection with the review of any flood zone determination resultiug fran an objection by Borrower, If Bonower fails to maintain any of the coverages described abo��e,Lender may obtain insurance coverage, at Lender's option aad Borrower's expense.Lender is under no obligation to purchase auy particular type or amonnt of coverage. Therefore, such coverage shall cover Lcnder,bat mighf or might not protect Borrower, Borrower's equity in the Property,or thc contents of the Property,against any risk, hazard or liability and might provide greater or lesser coverage than�vas previousty in effecc Boaower acknowledges that the cost of thc insurance coverage so obtained migh[significantly cxceed the cost o£insurance that Bonower could have obtained. Any amounts disbursed by Lcnder under this Section 5 shall become additional debt of Boaower secured by this Security Instrument. These amounts shall bear interest at the Note ratc from the date of disbursement and shall be payable; with snch interest,upon notice &om Lender to Borrower requesting paymeut. All inaurence pulioies reyuired by Lender and renewals of auch policiea shnll bz subject to Leudei s riy,ht w disapprove such policies, shall include a staudard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender rcyuires,Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Bono�ver obtains any form of insurance coverage. not o[herwise required by Lender,for damage to,or des[ruction of,the Property,such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. Iu the event of loss,Borrower shall give prompt�otice to thc insurance carrier and Lendcr. Lender may makc proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwisz agce in writing,any insurance proceeds,whether or not the underlying insurance was required by Lender, shall be xpplied to restnration or repair nf thc Property,if thc restoration or repair is economically feasible xnd Lender's security is not lessened. During sttch repair and restoration period,Lender shall havc Ihe right to huld such insurance procecds until Lender has hxd an opportunity to inspec[such Property to ensure the work has been complctcd to Lender's satisfaction, provided that such inspectiou shall be tmder[akcn promptly. 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.Unless an agreement is made in writing or Applicable Law requires interest to be paid on sach insnrancc proceeds, Lender shall not be required to pay Bonower any interest or earnings on such proceeds. Pees for public adjusters, or ocher thini parties,retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the reswration or rcpair is not economically feas'ible or Lender's sewrity would be Icssened,the insurancc proceeds shall bc applied to the sums secured by this 5eciuity Instrument,whether or not thcn due,with the exccss, if any, paid to Aorrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lendcr may tile,negotiate and u:ttle any availxble insurance claim and related matters. lf Boaower does not respond within 3D days[o a notice hom Lender tha[the insurance carrier has offered to settle a claim,then Lender may negotiate and settle the claim.The 30-day period will begin when the notice is given. In either event,or if Lender acquires t6e Property under Section 22 or othenvise,Borrower hereby assigns to Lender(a)Bonower's rights to any insurance procccJs in an amonnt not to exceed the amounts unpaid under the Notz or this Security instntment, and(b)any other of Borrower's rights(other than the right to any rcfund of unearned premiums paid by Aorro�ver)under all insurance policies covering the Property, insofaz as such rights are applicable to the coverage of the Property. Lcndcr may use[he insurance pra;ecds either to repair or restore thz Property or to pay amounts anpaid uuder the Note or this Security Instrum;.nt, whethcr or not thcn due. NEBRASKA�Single FamilyFannle MaNFreAdie,Mac UNIFORM INSTRl1MENT N'ITH MERS Poim 3(20 VD1 VMP� VMP6AME)(1105).00 WoltersKluwerFinenciniSe.rvicr,s � PegeTofll II I I II IIII I I III III II II I I II I IIIII I I II I I I I I II N I III q03309249118 D233 313 0717