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�0120795� services and subsaqu�t charges each tima ramappings or simil� changes occur which reasanably might affect such datermination or certific�tion. Boirow� ahall also be responsible far tha payment of any fe,as imposed by the Federal BmergencY Management Agency in corme�tion with tha review of any flood zona dete�mination resulting from an objection by Boirow�. If Boirowar fails to maintain any of the coverages described above, Leade�r may obtain ins�nanca coverage, at Lender's option and Borrower' a expense. Lender is undar no obligation to purchase any particular type or amount of coveraga. Th�afora, auch coveraga ahall cover Lender, but might or might not protect Borrower, Borrower' s equity in the Properiy, or the contenta of tha Property against anY risk, ha�rd ar liability and might provide greater or lesser coveraga than was previously in affect. Borrower acknowledgeq that tha cost of the insurance coverage so obtained might significantly exceed the cost of instu�anca that Borrower could hava obtained Any �unts diabursed by Lender undar t1�is Section 5 shall bacome additional debt of Borrower secured by thia Security Instmm�ent. These aabounts shall bear interest at the Note rata &om the date of disburaement and ahall ba payable, with such interest, upon notica from Lander to Borrower r�uesting payment. All insurance policies r�uired by I.ender and renewals of such policieg sha11 be subject to Lender's right to disapprove such policies, ahall include a standard mortgage clausa, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall h�ve the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid pramiums and renewal notices. If Borrower obtains aay farm of insurance coverage, not otherwisa required by Lender, for damage to, or deslruclion o� the Properiy, auch policy ahall include a standard martgage clause and shall name Lender as �rtgag� and/or as an additionalloss payee. In the event of loss, Borrower shall give prompt notice to the inaurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unle� Lender and Borrow�r oth�wise agree in ��. �Y � Pr� whether or not the underlying insurance was required by Lender, ahall be applied to restoration or repair of the Property, if tha restoration or repair is economically feav'ble and I,ender' a security is not lessened l?uring such repair aad restoration p�iod, Lender shall have the right to hold such insuc�mce proceeds uutil Lender has h� an opportimity to inspect such Property to ensure tha work has besn completed to I,ender's satisfaction, provided that such inspection sl�all ba �mdertalcen PromPtly. Lender may diaburse proceeds for tha repairs and restoration in a single payment or in a series of prograss payments as tha work is completed. Unless an agreement is m�e in writing or Applic�ble Law requires interest to be paid on such insurance proc.eeds, Lender shall not be required to pay Borrower any interest or eamings on such proceads. Fees for public �justers, a�r othar third parties, retained by Borrower sha11 not be paid out of the insuranca procceds and ahall ba tha sole obligation of Boaower. If the restoration or repair is not economically feasi'ble or L.ender' a security would ba lessened, the insurance proce�s shall be applied to the sums sec�ued by thia Security �t, whether ar not then due, with tha excess, if any, paid to Borrower. Such insiaance proc�ds shall be applied in the order provided for in Section 2. If Ba4row� abandons the Properly, Lend� may file, negotiate aud settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settla a claim, then Lender may negotiate and aettle the claim. The 30-day period will begin when tha notic� is givan. In either event, or if Lender acquires the Property under Section 22 or otherwise, Bonower hereby assigns to I.ander (a) Borrower' s rights to any ins►u�anca proce,eds in sn a�unt not to exc�ed the ax�unts unpaid under the Note or this Se�urity Instrument, and (b) any other of Borrower' s rights (othar than the right to any refimd of unearned premiums paid by Borrower) und� all insuranca policies covering tha Properiy, insofar as such rights are applic�bla to tha coverage of the Properiy. Lender may usa tha inaurance proceeda eithar to repair or restore the Property or to pay amounts unpaid under the Note or this Sacurity Inalrument, whether or not than due. 2200288381 NEBRASKA.44ple Family-Fannle Mae/Freddie AAeo UNIFOHM INSTRUMENT WITH MERS WoFt s Kluwer � Sarvkes D VBANE Form 3038 1/Ot VMPBA(NE) (1106) Pege 7 of 17 �� RS